Formation Money

Formation Money offers a comprehensive personal finance dashboard designed for self-directed high-net-worth households. Key features include: • Consolidated financial view across multiple custodians and entities • Detailed reporting for trusts, LLCs, equity compensation, and K-1s • Cross-custodian wash-sale-aware tax-loss harvesting • Transaction classification and cash flow analysis • Education-only platform; no personalized advice or money movement This platform unifies a complex financial life into one clear and cited picture, enabling users to manage their own wealth with confidence. It links to over 12,000 institutions in read-only mode, providing transparency by citing every number to its original source. The system tracks net worth, cash flow, and investments, simplifying financial oversight for households with diverse income streams and entity structures. Formation Money goes beyond basic budgeting, providing an honest picture of cash flow by classifying transactions across all accounts and distinguishing transfers from spending. It detects recurring charges across cards and accounts, delivering reports that align with professional accounting standards. The platform is ideal for individuals who prefer to actively manage their own finances rather than relying on a wealth manager, providing the tools and clarity needed for informed decision-directed financial decision-making.