Financial Planning Reimagined ✦

The Financial OS Built for Wealth Builders

Plan taxes, investments, retirement, real estate, and estate strategy — all in one place. Built for ages 35–65 with serious wealth goals.

🔒 Bank-level encryption  •  256-bit AES  •  SOC 2 in progress
Wealth Dashboard
84
Healthscore

Excellent Trajectory

You're ahead of 78% of peers in your age bracket. Focus next on tax drag.

Net Worth
$847,200
Savings Rate
18.4%
Tax Drag
$3,200/yr
Trusted by financial professionals and serious planners
CPA Approved Workflows
Fiduciary-Grade Tools
IRS Live Data
2026 Tax Rules
SECURE 2.0 Compliant
Bank-Level Encryption
Plaid Verified
CPA Approved Workflows
Fiduciary-Grade Tools
IRS Live Data
2026 Tax Rules
SECURE 2.0 Compliant
Bank-Level Encryption
Plaid Verified
The Platform

Everything You Need to Build Wealth

Six integrated systems that work together — not fifteen apps stitched with spreadsheets.

Know Your Score

See Your Financial Health in One Number

Our proprietary 0–100 Wealth Healthscore analyzes 7 dimensions of your finances — from emergency fund depth to retirement readiness — and tells you exactly where to focus next.

  • Emergency fund coverage
  • Savings rate
  • Debt-to-income ratio
  • Investment diversification
Wealth Healthscore 7 Dimensions
84
Excellent
Emergency FundA+
Savings RateA
Debt RatioA
DiversificationB+
Save More, Keep More

Tax Intelligence That Pays for Itself

From SALT cap optimization to Roth conversion timing, IRMAA management to tax drag analysis — LifeWealth surfaces every opportunity to legally reduce your tax burden.

  • 2026 OBBBA tax rules built-in
  • SALT cap $40,400
  • Tax drag visualizer
  • Document import (W-2, 1099)
2026 Tax Summary Federal + State
Federal AGI$284,500
SALT Deduction$40,400
Effective Rate22.8%
Marginal Bracket32%
Roth Conversion Room$58,200
Projected Savings $8,420
What If?

Run Any Scenario Before You Commit

Retire at 58 or 65? Take Social Security now or wait? What if the market drops 30%? Model every decision side-by-side before it costs you.

  • 6 preset scenarios
  • Custom variables
  • Net worth trajectory charts
  • SS break-even analysis
Retire at 58 vs 65 30-Year Horizon
Retire at 58
$2.1M
Ends at age 88 with 62% success rate
Monthly Income$6,400
SS StartAge 62
VS
Retire at 65
$3.4M
Ends at 95 with 94% success rate
Monthly Income$9,100
SS StartAge 70
Retire on Your Terms

Complete Retirement Intelligence

SS Optimizer, RMD Planner, Medicare Timeline, Distribution Strategy, IRMAA optimizer, and 529→Roth rollover — every retirement tool in one place.

  • SECURE 2.0 super catch-up (age 60–63)
  • RMD schedule to age 95
  • Medicare enrollment alerts
  • Spousal SS strategy
RMD Schedule Traditional IRA
AgeBalanceRequired
73$1,284,000$48,450
75$1,320,500$53,680
80$1,402,000$68,724
85$1,398,600$87,412
90$1,298,000$113,842
Always On

Your Personal CFO, Available 24/7

Ask anything. Your AI Advisor reads your actual financial profile and answers questions specific to your numbers — not generic advice.

  • Reads your real data
  • Tax-aware recommendations
  • Portfolio optimization
  • Goal gap analysis
AI Wealth Advisor Live
Should I do a Roth conversion this year before the kids go to college?
LifeWealth AI
Based on your $284K AGI and FAFSA timing: convert $58,200 now while you're still in the 24% bracket. This keeps MAGI below the FAFSA reporting window for 2028 and saves an estimated $11,400 in lifetime taxes.
Ask about your finances…
Every Dollar Source

Real Estate, Business Income, Stock Options

STR vs LTR analysis, S-Corp thresholds, ISO/RSU/ESPP tax elections, rental tax nuances by state — LifeWealth handles the complexity most tools ignore.

  • S-Corp at $65K 1099 threshold
  • STR/LTR pros/cons
  • QSBS exclusion
  • State rental excise taxes
Rental Property Analysis Nashville, TN
214 Gallatin Ave · 3BR Cottage STR
Gross Rev
$62,400
Net Cash Flow
+$14,820
Cap Rate
7.2%
Cost Seg Savings
+$9,200
STR wins. $5,400/yr more than LTR — but requires active management. TN excise tax factored.
By the Numbers

Everything Your Financial Life Demands

40+
Planning Tools
22+
New Features in 2026
100%
Built for Ages 35–65
$0
To Get Started
The only financial planning tool that actually thinks the way a CFP does — without the $10,000 retainer.
— Beta User · Nashville, TN
I found $8,400 in annual tax savings in the first week.
— Beta User · Austin, TX
Pricing

Simple, Transparent Pricing

Start free. Upgrade when you're ready. Cancel anytime.

Free
For getting started with the fundamentals.
$0/forever
Always free. No credit card.
  • Wealth Healthscore
  • Net worth tracking
  • Basic tax calculator
  • 3 scenario models
  • Community support
Get Started Free
Core
Complete planning for the serious builder.
$29/mo
14-day free trial.
  • Everything in Free
  • All 40+ planning tools
  • Tax strategy engine
  • Retirement suite
  • Plaid bank sync
  • Document import
Start 14-Day Free Trial
Advisor
For CPAs, CFPs, and family offices.
$149/mo
Per seat. Multi-client dashboard.
  • Everything in Pro
  • Up to 25 client seats
  • White-label reports
  • Compliance audit log
  • API access (2026)
  • Dedicated CSM
Contact Us
No credit card required for free plan. Cancel anytime.
Onboarding

Up and Running in Minutes

1

Create Your Profile

Answer 10 questions about your income, goals, and family. Takes 5 minutes.

2

Connect or Enter Your Data

Link accounts via Plaid or enter manually. Your data stays encrypted.

3

Get Your Financial Plan

Instantly see your Healthscore, tax opportunities, and retirement gap.

Security

Security You Can Trust

Your financial data deserves bank-grade protection — and nothing less.

🔒

AES-256 Encryption

All data encrypted at rest and in transit using bank-grade encryption.

🛡️

TLS 1.3 Only

No unencrypted connections ever. HSTS enforced across all domains.

🔐

MFA Required

Multi-factor authentication with authenticator app support.

📋

SOC 2 In Progress

We're undergoing SOC 2 Type II certification — the gold standard for fintech.

LifeWealth uses Clerk for authentication and Neon for encrypted database storage — the same infrastructure trusted by thousands of fintech companies.
FAQ

Common Questions

No. LifeWealth is a financial planning tool, not an RIA. We help you organize and understand your finances. For investment advice, consult a licensed advisor.
AES-256 encryption at rest, TLS 1.3 in transit, MFA, and zero third-party data selling. Your data is never sold.
Yes. Plaid integration allows read-only access to your accounts. We never store credentials.
Core includes all planning tools. Pro adds unlimited AI Advisor, Document Vault, Advisor Sharing, and PDF reports.
Yes. Pro includes Advisor Share mode — a read-only export of your plan you can share with your CPA or financial advisor.
Core and Pro both include a 14-day free trial. No credit card required.
Cancel anytime. Your data is preserved for 90 days after cancellation so you can reactivate.
Yes. We include S-Corp analysis, 1099 income optimization, QSBS exclusion, and business sale tax planning specifically for entrepreneurs.

Start Building Wealth
With Clarity

Join thousands of professionals who've taken control of their financial future.

Free forever plan available. No credit card required.