Formation Money Information

Formation Money is the operating system for households with $1M+ in net worth — the complex affluent. You've built real wealth. Now it lives in seven places, across three custodians, two entities, and two states. Your CPA gets it once a year. Your advisor sees one slice. The rest is spreadsheets and best guesses. Formation gives the household its balance sheet back. One unified view organized the way your life is actually organized — by entity, not by account. Private investments, real estate, equity compensation, and spouse accounts included. The intelligence layer surfaces what's actually moving: tax-loss harvest opportunities, single-stock concentration, idle cash, Roth conversion windows, wash-sale exposure across all your custodians. The chat layer reasons over your real graph and cites every number back to its source — sourced, computed, estimated, or stale — so you always know what you're looking at. The category we sit in is household financial intelligence for the complex affluent. Above consumer aggregators (Mint, Monarch). Below institutional family-office systems (Addepar, Masttro). Self-serve, with the depth of a family office and the polish of a modern fintech. What Formation is · A unified household balance sheet — organized by entity, not by account · An intelligence layer surfacing what matters across custodians · A coordination surface between you, your CPA, and your advisor What Formation is not A budgeting app. A robo-advisor. A trading platform. An RIA. A CPA replacement. A mass-market product. Every action over $5,000 goes through a confirmation gate. Formation generates the trade list — you execute at your broker. Built on Plaid, Anthropic, Supabase, Stripe, Netlify, and AWS. See your wealth. Shape your future. formationmoney.com