The whole staff
Every seat on the staff, and what it does for your house.
A family office hires a specialist the day the need shows up. Now so can you. Finn and six managers come with every plan. Specialist hires start at $249 a year.
On every plan
Finn and six managers, from the first night.
The books close, the briefing is written and the Money Date is set, on every plan. Specialists join when your numbers make the case.
The seats
Six managers. Twenty-three seats.
The Controller
Closes the books, pays the bills and catches the leaks.
| The seat | Its work | From the overnight log | Terms |
|---|---|---|---|
| Margin | The paycheck split | Margin is splitting Friday’s paycheck into Target, Fixed and Flex. | By hire |
| Anchor | The reserve | Anchor moved $412 of unspent Flex into the reserve. | By hire |
| Concierge | Vendors and subscriptions | Concierge cancelled a streaming plan nobody watched in 90 days. | On every plan |
| Parley | Bills | Parley is holding for a supervisor to drop the internet bill. | By hire |
| Lever | Debt | Lever re-ran the payoff order after the card rate rose. | $249 a year. On Principal |
The Strategist
Turns goals into plans and keeps the house on pace.
| The seat | Its work | From the overnight log | Terms |
|---|---|---|---|
| Goals | What the house is working toward | Goals is testing whether a $200 overpayment beats investing it. | On every plan |
| Plans | The path to the next rung | Plans rewrote the path to rung 6 after the raise. | On every plan |
| Sapling | The next generation | Sapling opened the 529 paperwork for review. | $249 a year |
| Perk | Benefits at work | Perk found an unused $600 wellness benefit. | By hire |
The Steward
Watches what the house owns and owes.
| The seat | Its work | From the overnight log | Terms |
|---|---|---|---|
| Ladder | Compensation | Ladder is reading the offer letter line by line. | $249 a year. On Principal |
| Deed | Property | Deed is watching the refinance bar. Still 0.7 points away. | $449 a year |
| Porch | The down payment | Porch holds the down-payment plan at 14 months. | By hire |
| Keel | Investing | Keel rebalanced the plan on paper. It opens with Merger Invest. | Opening. On Principal |
| Steady | Income protection | Steady refreshed the six-month job-loss plan. | By hire |
| Quill | Wills and trusts | Quill flagged the will: no guardian named. | $599 a year |
The Guardian
Guards the downside.
| The seat | Its work | From the overnight log | Terms |
|---|---|---|---|
| Armor | Home and auto cover | Armor priced the car renewal against eleven carriers. | $249 a year. On Principal |
| Cipher | Identity and cyber | Cipher froze a credit file after a breach notice. | $249 a year |
| Willow | Elder care | Willow checked in on your mother’s accounts. | $399 a year |
The Analyst
Keeps the record, scores the house and writes the reports.
| The seat | Its work | From the overnight log | Terms |
|---|---|---|---|
| Record | The ledger | Record reconciled 212 transactions overnight. | On every plan |
| Score | The rung | Score held the house at rung 5, day 61. | On every plan |
| Reports | The quarterly and annual reports | Reports drafted the quarter’s receipt. | On every plan |
The Herald
Writes the daily briefing and Merger Wire.
| The seat | Its work | From the overnight log | Terms |
|---|---|---|---|
| Briefing | The morning pages | The briefing was written at 5:52 a.m. | On every plan |
| Wire | The news, for your house | The Wire read the Fed decision for your mortgage. | On every plan |
The overnight log lines are illustrative. Until registration, the staff reports, flags and recommends, and every move waits for both of your yeses.
How a hire works
Finn makes the case. The two of you decide.
- Finn brings the math.What the specialist costs for the year, against what it should return over the next five to ten.
- You both say yes.A hire takes two yeses, like everything else in the house. A no ends it.
- The specialist starts that night.It reports to its manager, and its work shows up in your next briefing.
The guardrail
Twenty-three seats. Not one can move your money alone.
No specialist earns on what it recommends. No specialist goes around its manager. Nothing moves without both of you.