Every entity, finally in one view
Trusts, LLCs, S corporations, partnerships and joint ventures at their percentage, consolidated into one net worth and one ownership map.
Private beta
The operating system for your family’s wealth.
For families with real complexity and no family office. Net worth across every entity, books that close, tax, legal structure and your path to Financial Independence: one place, one set of numbers, every figure traced to its source.
Beta access opens in stages. Asking is free and commits you to nothing.
Financial IndependenceSample household
- Net worth
- $8.4M
- across 6 entities
- Passive income
- $312K
- per year
- Lifestyle cost
- $430K
- per year
- FI Date
- 2031
- at today’s savings rate
Coverage73%
- K-1 not receivedExpected from a fund by March 15Needs you
- Trust funding gapA brokerage account is titled to you, not the trustNeeds you
- Rate reset in 45 daysDuplex loan, watched against its covenantWatching
- Never moves your money
- Every number traced to its source
- Every entity in one view
- AI only when you turn it on
Why WealthCEO
Wealth this complex shouldn’t live in twelve places.
Most families with real wealth run it across brokerage logins, a bookkeeper’s file, a CPA’s portal, an attorney’s binder and a spreadsheet only one person understands. The pieces never agree, and nobody sees the whole.
Numbers that agree everywhere
Every page reads from one ledger, so the same figure never has two values. Where two views legitimately differ, WealthCEO shows you why.
A clear answer to “are we there yet?”
Coverage shows how much of your lifestyle your passive income already pays for. Your FI Date shows when it pays for all of it.
The platform
Everything your family owns, run from one place
Nine areas on one ledger. WealthCEO is in private beta, and areas open to beta households in stages.
Wealth
Net worth and entities
Consolidated, by entity, and as an ownership map that follows every trust, LLC and partnership.
- Liquid and illiquid wealth side by side
- Joint ventures held at their percentage
- Entity views computed from one ledger
Wealth
Portfolio and debt
Holdings, allocation and performance against benchmarks, with rebalancing against the target bands you set.
- IRR and benchmark comparison
- Debt service coverage and covenant tests
- Maturity ladder and rate reset calendar
Wealth
Cash flow and budget
A 90-day liquidity timeline of money in and out, and a household budget whose lifestyle cost sets your Financial Independence number.
- Capital calls and commitments ahead
- Planner and year-over-year comparison
- What’s liquid this week, at a glance
Books
Books and close
Double-entry books for each entity that carries them. The close drafts the routine work and queues only the judgment calls for you.
- A trial balance that ties, or names what doesn’t
- Rules that show what they’d have done before you turn them on
- One-click package for your CPA
Plan
Tax Center
Effective rate, harvested losses, estimated payments and depreciation across every entity, with a projection for the year.
- K-1 tracker: expected, received, missing
- Wash-sale checks before you harvest
- Facts for your CPA, not tax advice
Plan
Legal and estate
Your structure map, compliance calendar and estate exposure, built from the entities you’ve already mapped.
- Trust funding: each trust’s schedule against actual title
- Beneficiary and insurance review
- Educational prompts to take to your attorney
Plan
Goals and simulators
Model the road ahead: a Financial Independence simulator, Monte Carlo runs across a thousand futures, and side-by-side scenarios.
- FI Date, probability, and net worth in ten years
- An investment policy graded by the Discipline Scorecard
- Family meeting agendas that capture decisions
Books
Reports and lender packages
Reports you build once and schedule, and lender packages generated from the registers you already keep.
- Refinance and new loan
- Covenant and renewal reporting
- Line of credit and a global personal financial statement
Community
Community and coaching
Learn and decide alongside peers on the same path: an academy, forums, events, small masterminds and coaching.
- Academy tracks from real estate to estate planning
- Masterminds of six with one focus
- A directory of member-rated professionals
How it works
Set it up in short sittings, then run it every month
Nobody should do this in one marathon. Each step builds on the one before it.
Map your structure
Add your LLCs, trusts and family. The ownership map, compliance calendar and estate view all build from it.
Bring in your accounts
Import statements and holdings. Every row keeps where it came from, so any number can be traced back.
Set your number
Your lifestyle cost and target passive income define Coverage and your FI Date.
Review, close, decide
Your Inbox sorts what needs you, what’s being watched and what’s done. Close the month and read the verdict.
Free tools
Try the math before you join
WealthCEO isn’t open yet, but its calculations are. Each tool runs one of them on your own numbers, in your browser.
Financial Independence calculatorHow much of your lifestyle your passive income already pays for, and the year it pays for all of it.Coverage and your FI DateOpen the calculatorNet worth across entitiesList your trusts, LLCs and partnerships at their percentages and see your net worth at your share, with the ownership map.Net worth at your share and an ownership mapOpen the calculatorRental DSCR and refinance calculatorThe debt service coverage ratio a lender will test on your property, how much room you have, and what a refinance could support.DSCR, headroom and refinance roomOpen the calculatorEstimated tax safe harbor calculatorThe federal estimated payments that keep you clear of an underpayment penalty, using the 100% and 110% prior-year rules.Required payments and four installmentsOpen the calculatorEstate tax exposure calculatorYour estate against the federal exclusion, today and years from now, for a single person or a married couple.Exposure today and in the years aheadOpen the calculatorSee all five toolsFree, in your browser. Nothing you type is stored.Open the tools
Who it’s for
For households whose finances outgrew a budgeting app
Self-directed families with real complexity, and the professionals who help them.
Business owners
An operating company, a holding company and a few passive investments, with books for each.
How it works for business ownersReal estate investors
Rentals, syndications and the debt behind them, with lender packages ready when you need them.
How it works for real estate investorsHigh earners on the path
Moving from a W-2 salary to passive cash flow, and wanting to know exactly how far along you are.
Find your Coverage and FI DateFamilies with trusts
Revocable and irrevocable trusts, heirs to prepare, and advisers who each see only part of the picture.
How it works for families with trustsBring your team, each with exactly the access they need
- OwnerEverything
- SpouseA co-owner of the picture
- BookkeeperBooks and transactions only
- CPATax Center, reports, read-only books
- HeirA curated, read-only view
- AdvisorOverview and planning tools
A CPA, bookkeeper, attorney or adviser? See how you’d work in WealthCEO
Compare
What changes when it’s all in one place
Compared with the ways most families run their wealth today.
| Capability | WealthCEO | Spreadsheets | Budgeting apps | Separate advisers |
|---|---|---|---|---|
| Every entity, consolidatedTrusts, LLCs, partnerships at their percentage | Yes | By hand | No | Each sees a part |
| Books that close and tieDouble-entry, per entity | Yes | No | No | In the bookkeeper’s file |
| Every number traced to its source | Yes | By hand | No | No |
| Coverage and an FI DateHow far passive income covers lifestyle | Yes | If you build it | No | Partly |
| Tax and K-1s across entities | Yes | By hand | No | In the CPA’s portal |
| Trust funding and estate exposure | Yes | No | No | In the attorney’s binder |
| Lender packages from your registers | Yes | Rebuilt each time | No | No |
| Your CPA, bookkeeper and heirs, each scoped | Yes | Share the whole file | Partly | No |
WealthCEO
- Every entity, consolidated
- Yes
- Books that close and tie
- Yes
- Every number traced to its source
- Yes
- Coverage and an FI Date
- Yes
- Tax and K-1s across entities
- Yes
- Trust funding and estate exposure
- Yes
- Lender packages from your registers
- Yes
- Your CPA, bookkeeper and heirs, each scoped
- Yes
Spreadsheets
- Every entity, consolidated
- By hand
- Books that close and tie
- No
- Every number traced to its source
- By hand
- Coverage and an FI Date
- If you build it
- Tax and K-1s across entities
- By hand
- Trust funding and estate exposure
- No
- Lender packages from your registers
- Rebuilt each time
- Your CPA, bookkeeper and heirs, each scoped
- Share the whole file
Budgeting apps
- Every entity, consolidated
- No
- Books that close and tie
- No
- Every number traced to its source
- No
- Coverage and an FI Date
- No
- Tax and K-1s across entities
- No
- Trust funding and estate exposure
- No
- Lender packages from your registers
- No
- Your CPA, bookkeeper and heirs, each scoped
- Partly
Separate advisers
- Every entity, consolidated
- Each sees a part
- Books that close and tie
- In the bookkeeper’s file
- Every number traced to its source
- No
- Coverage and an FI Date
- Partly
- Tax and K-1s across entities
- In the CPA’s portal
- Trust funding and estate exposure
- In the attorney’s binder
- Lender packages from your registers
- No
- Your CPA, bookkeeper and heirs, each scoped
- No
Read the full comparisons, including when to stay with what you have
Principles
Built to be trusted with everything
These aren’t settings. They’re how WealthCEO is built, and they hold for every feature.
It never moves your money
WealthCEO watches, suggests and prepares. It never moves money, places or stages a trade, transfers funds, changes a beneficiary, files, binds insurance or signs. You act.
Every number has a source
Trace any figure to the exact entries it sums. Where two views differ, you see why. Nothing is silently left out, and nothing is plugged to make it balance.
Your household is walled off
Every record belongs to one household. People you invite see only what you give them, and their access can end on a date you choose.
AI only when you turn it on
AI is opt-in, per action, under a ceiling you set and a switch that stops it. It explains the numbers; it never invents one.
Honest about what it can’t do
If something isn’t available to you, the page says so and why. No empty panels, no pretend results, no simulated action passed off as real.
Software and advice, kept apart
The software is educational, not advice. Advice comes only from WealthCEO Advisors, LLC, a registered investment adviser, for households that choose it.
Read how we protect your household, and what we haven’t built yet
Membership
Three ways to be a member
Memberships differ in the people who help you use WealthCEO. Pricing is set before general availability, and beta households hear first.
Silver
For households getting organized.
Pricing announced before general availability
- The WealthCEO platform
- Weekly group coaching calls
- The academy, forums and events
- A tax strategy review, as an add-on
Gold
For households with several entities and a CPA.
Pricing announced before general availability
- Everything in Silver
- An annual tax strategy review
- Two one-on-one sessions a year with a founder
Family Office
For families with many entities, trusts and advisers.
Pricing announced before general availability
- Everything in Gold
- Quarterly tax strategy reviews
- A dedicated wealth strategist who knows your whole picture
- Unlimited one-on-one sessions
Membership details are being finalized during the beta and may change. Advisory services are separate: they’re offered by WealthCEO Advisors, LLC under a written advisory agreement.
About
Built by the team behind Financial Journey
WealthCEO comes from Financial Journey, a community and education company for investors on the path to Financial Independence. We built the system we wanted for our own families.
It gives a family the view a chief executive expects of a company: every entity, every account, books that close and a plan you can measure. It says plainly what it knows and what it doesn’t, and it never takes an action that belongs to you.
- Journey Software, Inc.Builds and delivers the WealthCEO software: tools and education, no securities advice.
- WealthCEO Advisors, LLCA registered investment adviser: non-discretionary advice with no custody, for households that choose it.
- ledger behind every page
- 1
- household roles, each scoped
- 6
- lender packages from your registers
- 4
- actions taken on your behalf
- 0
FAQ
Questions, answered
Who is WealthCEO for?
Self-directed households with real complexity: business owners, real estate investors, high earners moving toward passive income, and families with trusts and several entities. Your CPA, bookkeeper and advisers can work in it too, each with their own scoped access.
Does WealthCEO move money or make trades?
No. WealthCEO watches, suggests and prepares. It never moves money, places or stages a trade, transfers funds, changes a beneficiary, files anything, binds insurance or signs. Every action stays with you.
Is WealthCEO financial advice?
The software is educational, not advice. It’s provided by Journey Software, Inc. and gives no securities advice.
Households that want advice can engage WealthCEO Advisors, LLC, a registered investment adviser (non-discretionary; no custody), under a separate written agreement.
How does my data get into WealthCEO?
During the beta, you import statements, holdings and transaction files. Every imported row keeps a record of where it came from, so any number can be traced back to its source. Live connections to institutions come later, one at a time.
Who can see my household’s information?
Only the people you invite, with the role and scope you choose: books only for a bookkeeper, tax and read-only books for a CPA, a curated view for an heir. Access can end on a date you set, and every change is recorded.
How do you keep my household’s information safe?
Every record belongs to one household, and the database itself refuses to return it to anyone else. People you invite see only the areas and entities you choose, until a date you set, and every change is logged. Our security page has the details, including what we haven’t built yet.
Does WealthCEO use AI?
Only when you turn it on, one action at a time, under a ceiling you set and a switch that stops it. AI explains and prepares; the numbers always come from your ledger, never from a model.
What does the beta cost?
Requesting access is free and we won’t ask for a card. Membership pricing will be shared before general availability, and before anyone is asked to pay.
What happens after I request access?
We review requests in small groups and reach out when a spot opens for your household. If you ask for a call, we’ll find a time first. Requesting access doesn’t commit you to anything.
Ask to join the private beta
We’re opening WealthCEO to a small number of households at a time. Tell us about yours.