6:00 AM
The books closed overnight.
Every account, debt and policy sits in one record both partners see. Nobody had to log in to six places to find out where the month stands.
Built for the family
The family office for everyone.
Your family’s financial home.
A staff that works only for your household watches every dollar, stops the leaks, and turns the paycheck into capital. Nothing moves until you both say yes.
How the staff works for you
Zero commissions
No one on the staff earns a cent on what it recommends.
Two yeses
Every move waits for both partners. Nobody signs alone.
Private by design
Anonymized before processing and never used to train models.
Works only for the house
The staff answers to the household and to no one else.
Our Households
What the staff found, and where it leads.
Measured, first 60 days
$472
found per household, on average, in the closed beta. Almost twice the $249 price.
Modeled, first year
about$1,500
returned to an average household, based on the average leaks found in U.S. households.12
Then
Capital
The staff puts it to work: the reserve, the debt, and what the house owns.
- Under an hour
- to set up, as reported by the beta couples we interviewed.
- 85%
- of couples run Merger with both partners active.
- 89%
- of Money Dates kept.
Closed, invite-only paid beta, May 29 to July 28, 2026. The both-partner rate covers couple households.9 Every source, dated.
Open your family office
Two names, two emails. Your office opens with both of you in it.
The idea
The wealthiest families never managed their own money.
A staff did it for them. That staff started at $30 million.
Yours starts at $249 a year.
Same jobs. Now a staff does them for The Carter Family Office.
From $30,000,000 to $249 a year
Why this exists
You work more than ever. Wealth still feels out of reach.
The difference isn’t effort. It’s who has a staff.
What you own grows faster than what you earn.
And most families own very little of what grows.
Your money lives in twelve places.
Apps, logins and two people’s heads. Neither of you sees the whole house.
Small leaks, every month.
Fees, interest and forgotten charges leave a little at a time.
What the staff does first
Your money lives in twelve places.
Banks, cards, old jobs and a mortgage. Each with its own login.
The staff files every one.
Each account goes into one record, with a desk assigned to it.
One record. A desk on each.
Nothing moved. Every account is finally watched.
The Carter Family Office
- Amanda’s checking Controller
- Josh’s checking Controller
- Joint savings Controller
- Amanda’s card Controller
- Josh’s card Controller
- Amanda’s 401(k) Steward
- Josh’s 401(k) Steward
- Old 401(k) Steward
- Roth IRA Steward
- Brokerage Steward
- Mortgage Steward
- Car insurance Guardian
The staff
You sleep. The office doesn't.
Six managers report to Finn. Specialists report to the managers, and nobody goes around the chain. When the household's numbers make the case for a specialist, Finn shows the math and both partners decide. By morning the night's work fits in one short briefing.
FinnChief of staff
- ControllerCloses the books, pays the bills and catches the leaks.
- StrategistTurns goals into plans and keeps the house on pace.
- StewardWatches what the house owns and owes: debt, property and investments.
- GuardianGuards the downside: insurance, identity and fraud.
- AnalystKeeps the record, scores the house and writes the reports.
- HeraldWrites the daily briefing and Merger Wire.
Meet the whole staff. Scroll inside the frame to take it apart.
How it works
Nothing moves until you both say yes.
Try it. You’re holding both phones.
The Carter House
FinnThe Guardian rebid your car insurance. Same coverage, $38 less a month. Two yeses and I’ll switch it.
- Each month
- $38
- Each year
- $456
- Coverage
- Same
Press each key. Or try a no.
Amanda
Josh
That is how every move in your house would go.
Open your family officeOne morning in the house
The staff worked all night. You spend minutes.
One morning with Amanda and Josh Carter, an illustrative household.
6:02 AM
The daily briefing.
Four pages written overnight for one house. Read it, hear Finn read it on the drive, or print it.
Families spend 7.7 hours a week on money.11 The briefing gives that time back.
Time back
7:52 AM
Text with Finn.
Amanda sent Finn a voice note about the car insurance. He pulled three quotes with the same coverage. Josh said yes at 7:52, Amanda a minute later, and it was done.
Only 9% of iPhone users still open a finance app on day 30. Texts get read.
A staff that acts
Bank and invest
Bank, invest, credit. One place.
Every account you own, on one screen, with a desk on each one. Idle cash moves to the reserve. Retirement takes the full match. The brokerage stays on the policy you signed.
Merger BankThe paycheck splits into bills, reserve and a vault for each goal. Opening
Merger InvestEvery payday invested under the policy both partners signed. Opening
CreditEvery card and loan, watched for the next better rate.
Drag to turn. Illustrative household. Merger Bank and Merger Invest have their own pages.
The Money Date
Once a week, the house meets.
The Money Date is the household’s standing meeting. Finn leads it every week: the week’s numbers framed as a team, one focus for the week ahead, and a short recap you both keep.
- Finn sets the agenda. Drawn from the week, so neither of you plays accountant.
- You both show up. Twenty quiet minutes, the two of you.
- You decide together. One focus for the week ahead.
- The staff carries it out. Agree once and the work is done.
Scroll inside the frame to sit through a full Money Date.
Experts on call
When a gap needs a person, Finn brings one in.
Licensed coaches, therapists and advisors work from the Pro Desk. With both partners' yes, the pro reads the record before the first session, so nobody starts from zero. Two yeses add a pro, with no fee to the house.
The rooms
Every room in the house, and who works it.
The staff Open
Finn and six managers run the house overnight.
Meet the staffThe briefing Open
The night’s work, on one page by morning.
Read a briefingThe Money Date Open
Finn sets the agenda. The two of you decide.
Sit in on onePro Desk Open
A licensed coach or therapist who read the record first.
See the deskThe house Open
Both partners, one record, one price.
How the house worksYour accounts Open
Every account you already hold, with a desk on each.
See the workMerger Bank Opening
The paycheck splits into bills, reserve and a vault per goal.
See the treasuryMerger Invest Opening
Every payday invested under the policy you both signed.
See the deskOur Family Offices
In their own words.
As a product manager at Microsoft, I'm always looking for clarity and balance. Merger helps me organize my finances, stay confident about my goals, and build the kind of healthy money habits I'll carry into my future relationship.
I've seen friends struggle with money and lose their sense of freedom. Merger helps me stay ahead, giving me peace, structure, and the confidence to build better habits for myself and my future relationship.
I grew up in a single-parent home where money was always tight and rarely discussed. Dustin was taught to save and invest early. Merger helps us bridge those differences, communicate better, and build a stronger financial example for our daughter.
So many of us don't have parents or mentors to turn to for financial guidance: we're figuring it out on our own. Merger has changed that for me. It brings real clarity to my life. As someone balancing a business, real estate, and a nursing career, it helps us find alignment and confidence in our goals before we even tie the knot.
Merger brings all my finances into one clear place and gives me real control. As a single person, it's helping me build healthy money habits and the confidence to have open financial conversations when I meet my future partner.
Merger gives us real visibility into where our money goes. As we prepare to bring a baby into the world, it's helping us build awareness, balance, and smarter financial habits together.
We both grew up where money was stressful, and coming from a single-parent household, money seemed like it was everything. Merger gives my wife and me the tools to communicate openly and calmly about our finances. It's easing financial tension and helping us build trust, understanding, and confidence together.
We've used every app out there and yet still couldn't align on financial decisions. It wasn't until we were able to use the weekly check-ins from Merger to go beyond the numbers and see each other as more than who spent what.
Running a business, working in tech, and raising two kids keeps life moving fast. Merger brings everything into one place, giving us transparency, clarity, and the confidence to build a lasting financial legacy for our family's future.
Stan and I have been long-distance for years: he's an underwater welder and I'm finishing my master's. Merger keeps us aligned and confident in our financial decisions, helping us save, plan, and stay connected no matter the distance.
Hover or touch to pause.
Membership
A staff for your whole house, from $249 a year.
One price a year. Both partners included.
The Black card opens with Merger Bank.
Open the door
From labor to capital to freedom.
That’s the work. Your family deserves a staff to do it.
The Carter Family Office
Established 2026
Amanda & Josh. Staffed by Finn and six managers.