Formation Money

A personal finance intelligence platform that aggregates a household's accounts, entities, and tax positions into a single cited view, solving the problem of fragmented financial data for high-net-worth individuals. It sells to wealthy households, their executives, and finance professionals, serving both B2B and B2C markets. The platform differentiates by organizing data by owning entity and citing every number to its source, with an AI assistant that flags opportunities and deadlines. It is delivered as a SaaS subscription with a mobile app.

Key features

• Entity-organized net worth (trust, LLC, joint)
• Treemap across asset class, entity, account
• Cost basis and unrealized gain per entity
• Real net-worth history with citations
• Liquidity tiers (cash, liquid, illiquid)
• Debt and payoff planner
• Printable net-worth report
• Cashflow Sankey diagram
• Recurring-bill calendar and drift alerts
• Budget targets with savings-rate dial
• Transaction splits and auto-categorization
• Variable-income smoothing
• Amazon order-level itemizer
• 24-month income/expense series
• Allocation unified across brokerages
• Asset-location optimizer
• Time-weighted return vs benchmark
• Dividend, fee, and expense-ratio analysis
• Holdings drill-down and security master
• Private-fund capital-call calendar
• Live markets and rebalance modeler
• RSU, ISO, NSO, ESPP, RSA tracking
• Vesting timelines for current and prior employers
• AMT-aware exercise planner
• Concentration risk outcome translation
• QSBS 5-year clock per lot
• Lock-up, blackout, 10b5-1 awareness
• 83(b) clock and double-trigger RSUs
• 409A deferred comp tracking
• Multi-year marginal-rate cockpit