Family wealth governance
You’ve built more
than you can see.
Equity that finally vested. A stake in the business. A fund that calls capital twice a year. Property with a loan against it, gold nobody has valued in years, accounts in two countries — held by you, your spouse, your parents. It’s real, and it’s your family’s — and no single screen has ever shown all of it at once.
See what you own
Bring in what you already have and watch the picture fill in. Free to start, no card.
Start freeRun it for your clients
One reconciled client record, compliance you can evidence, and your brand on it.
For advisorsEverything your family owns, in one place — proven against the documents behind it, and kept current. Most households are usable after forwarding four documents. No commission, no kickbacks, no ads — ever.
What it actually looks like
Tap any figure. See the document behind it.
This is the whole argument in one screen: a household total, split into what has been proven against a source document and what is only estimated — and every line traceable back to the page it came from.
Illustrative figures, real behaviour.
Reconciled to the closing balance printed on the statement
- DocumentConsolidated account statement, quarter to 30 June
- Read11 folios and 24 listed holdings
- CheckUnits rebuilt from transactions matched the closing figure to the rupee
- True as at30 June
- StatusProven — enters net worth as fact
Vested only. Unvested tracked separately and not counted here
- DocumentGrant letters and the latest vesting report
- ReadRSU and ESOP awards across three employers
- CheckVested plus unvested reconciled to total granted
- NoteUnvested ₹22,40,000 held separately — not in the total above
- StatusProven
Estimated. Valuation basis stated, never mixed into the proven total
- DocumentSale deed, and the lender’s latest loan statement
- ReadOwnership share, purchase consideration, outstanding principal
- BasisIndicative market value; the loan against it is proven
- Shown asGross ₹2,05,00,000 less ₹65,00,000 outstanding
- StatusEstimated — totalled apart from proven figures
Called capital only. Uncalled commitment shown as a future obligation
- DocumentCapital call and distribution notices
- ReadCommitment, capital called to date, distributions received
- CheckCalled plus uncalled reconciled against stated commitment
- Note₹12,00,000 uncalled — surfaced as an obligation, not an asset
- StatusProven
Recorded in the currency it is held in, and flagged for disclosure
- DocumentCustodian statement, held outside India
- ReadPositions in USD, converted for the household total
- CheckPositions reconciled against the custodian’s own totals
- NoteFlagged as a foreign asset requiring disclosure
- StatusProven
Illustrative figures. Select any holding to see the document behind it. Proven and estimated are totalled separately and never added together.
The thing nobody notices
You only find out where you stand after it mattered.
Compliance isn’t an event in one month of the year. It’s a state you’re in all twelve — instalments falling due, thresholds you crossed without noticing, obligations that only exist if somebody tells you about them.
But the picture only ever gets assembled once, under deadline, for one purpose. Then it disperses — back into inboxes, portals, drawers and apps that don’t talk to each other.
The most complete picture of what your family owns gets built every year, and thrown away every year.
And the return itself? It falls out of the family picture automatically. Filing is the smallest thing we do — the by-product, never the point.
Whichever calendar you file on. April to March, the calendar year, 6 April or 1 July — the dates change, the loss doesn’t. See your tax year →
What we actually do
Govern it, and compliance takes care of itself.
Send us what you’d send your advisor. We read it, check the arithmetic against what the document itself prints, and turn it into something permanent — a living picture of what your family owns, what you owe against it, and whether the whole thing holds together.
Once that picture exists and reconciles, the compliance answers fall out of it. What’s due. When. Whether you’re behind. The return at the end is arithmetic.
People who build systems for wealth have always built them for people who already have it. This one is for the years while you’re still building.
See what you own
One balance sheet across every asset class — including the ones most tools pretend don’t exist.
- Listed, private, physical and business holdings together
- Liabilities sitting against the assets, not in a footnote
- Proven figures kept separate from estimates
- Held individually, jointly, or across the household
Hold it together
The structural checks nobody runs until something’s urgent — run quietly, every time your family’s picture changes.
- Where value sits without a named beneficiary
- Where a name won’t match when it matters
- Who can see what, and who shouldn’t
- What your family would struggle to find
Stay ahead of it
Where you stand right now, not where you stood last March — across every obligation you actually carry.
- Instalments and estimated payments before they’re late, not after
- A calendar that knows your obligations, not a generic one
- Position, gains and exposure as the year runs
- The return generated from what’s already there, not rebuilt
What your family owns
Built for the whole balance sheet. Not the easy half.
Most tools handle a salary and a savings account, then quietly give up. Wealth stops being that simple the moment your first grant vests or your first fund calls capital.
The complicated parts are exactly the parts that need governing.
Public markets
- Shares and ETFs
- Mutual funds
- Bonds and debt
- Deposits and cash
What you were granted
- ESOP, RSU, ESPP, RSA, SAR and phantom
- Granted, vested and still to vest
- Exercise, sale and liquidity events
- Employer stock concentration
Private markets
- Private equity and venture
- Alternative funds
- Private credit
- Commitments and capital calls
What you own and run
- Stakes in companies you own
- Income from the entity
- Drawings and capital introduced
- Where the business ends and you begin
Property and metal
- Real estate, with the loan against it
- Land
- Gold and bullion
- Valuables worth recording
Retirement and cover
- Workplace, state and private pensions
- Annuities
- Life and health cover
- What’s actually protected
Held in another country
- Overseas accounts, brokerage and property — recorded where they need to be disclosed
- Income that two tax systems both want to see
- Foreign asset registry built in, not bolted on
Some of these arrive as documents you forward. Some come from a connection you authorise. Either way, every figure carries the source it came from — and we tell you which is which. See what we handle in each class.
The part people skip
Does what you’ve built actually hold?
Not one of these is a question about dying. They’re questions about whether the structure under your money is sound — the same way you’d ask about a building going up.
Every one has an answer you could fix this afternoon, and almost nobody has ever been shown the list.
Is there a named beneficiary on every account that holds real value?
We show the share of your net worth that has one — and exactly which holdings don’t.
Does the name on the holding match the name on your identity documents?
An initial, a maiden name, a spelling from 2011. The most common reason a straightforward handover becomes a two-year process.
Is one person holding every relationship?
If you’re the only one who knows the fund manager, the banker and the accountant, that’s a single point of failure — and it’s you.
If someone had to find all of this without you, could they?
We score how discoverable your family’s holdings are, and name what is missing.
Do your beneficiary designations match what you’ve written down?
Designation forms and written instructions drift apart over the years — a nomination in India, a beneficiary or POD registration elsewhere. Almost nowhere shows you both at once.
Who still has access they shouldn’t?
Old advisors, lapsed permissions, a login you shared once. Every grant is listed, dated, and switched off in a click.
Governance sounds like something you do after you’ve arrived.
It’s what
gets you there intact.
Why the number is right
A total you can point at.
Anyone can show you a big number. We show you where every part of it came from.
Each figure traces back to the document that produced it. If the arithmetic doesn’t reconcile against the totals the document itself prints, we don’t present it as fact — we flag it and say why.
Proven and estimated are two different words here. We never quietly add them together.
Statements, holdings reports, grant letters, fund notices and payment records — read directly, not retyped by you.
Balances have to rebuild line by line and match the closing figure printed on the page. If they don’t, it doesn’t pass.
Tap any figure and see the document behind it, the date it was true, and whether anything disagrees.
Across borders
Rules change at the border. The platform doesn’t.
Lineage is one engine with country rules layered on top. The tax logic is local. Everything underneath — the picture, the proof, the permissions, the governance checks — is identical wherever you are.
Cross-border was the design assumption, not a later release. Foreign holdings are recorded where they have to be disclosed, and income two systems both want to see is entered once.
Which is what makes the planning possible at all — you can’t optimise across two systems you can only ever see one at a time.
Assets here, life there
Property, deposits and funds in one country while you earn in another. Both sit on the same balance sheet, in the currency each is actually held in.
Two systems, one family
Foreign asset disclosure, overseas income and the reporting each jurisdiction demands — driven from a single set of documents you only supply once.
Move without starting over
Residency changes. Your family’s picture doesn’t reset, and neither does the history it took years to assemble.
What one-sided visibility quietly costs.
- Tax paid in one country that should have reduced what you owe in the other. Relief you’re entitled to only works if something can see both positions at once.
- An obligation that applied to you for years. Most people meet a disclosure requirement for the first time in a notice about having missed it.
- A sale timed without regard to which residency you were in. The same transaction, a few months apart, is not the same bill.
- Holdings that exist in one country’s records and nowhere in the other’s. Which is fine, right up until somebody has to reconcile them.
You and your advisor
Bring them in. Keep the keys.
Whoever advises you — on tax, on investments, on cover, on what happens next — can work inside your family’s picture instead of chasing you for attachments.
You choose what each of them sees, and for how long. Every time they open something, it’s written down. Take the access back whenever you want — they see what you shared, never your whole life.
Expires at the end of this season · 14 openings logged · Revoke any time
For regulated advisory practices
Compliance you can prove. AI that doesn’t break it.
Regulators stopped asking practices for policies. They ask for evidence — who opened what, under whose consent, held where, for how long. Most tools leave you reconstructing that story afterwards.
And most AI tools hand you a disclosure along with them, because client data leaves your boundary for a third-party model provider. Ours doesn’t — inference runs inside the platform, so adopting it doesn’t create a new obligation.
Underneath, the client picture assembles continuously and arrives reconciled — so you can finally bill for the CFO work you already do.
One client group, not five folders
The household and the businesses its members own, side by side. Personal and entity numbers that finally reconcile against each other instead of living in separate systems.
Evidence, not assurances
Per-household access logs and consent records carrying expiry dates, produced as a by-product of the work. Residency documented per region rather than promised.
Deliverables, not favours
A monthly position instead of one annual artefact. Briefs, plans and readiness checks generated from the family’s own picture — the things that justify a retainer rather than a one-off fee.
Presented under your brand
Co-branded as standard — your practice alongside Lineage. White-label is a higher subscription tier. Either way we never market to your clients.
Held properly
Your family’s. Never ours to browse.
Your own vault
Every household’s data sits in its own encrypted store, separate from everyone else’s.
Nothing opens silently
Every view and every change is written to a tamper-evident log you can read yourself.
Access has an end date
Permissions are narrow, time-bound and revocable — never permanent by default.
Leaving is real
Export everything, or delete it for good. Deletion destroys the keys, not just the rows.
Worth knowing
The things families find out too late.
Written for families who are still building, not for institutions that already arrived. Everything here is free to read and doesn’t require an account.
The unclaimed money problem
$70bn in the US, £31bn in lost UK pensions, ₹78,000 Cr in India. Where to search, free, in every country you’ve lived in.
Read the guide → GuideSuccession planning that survives contact
Wills, nominations, joint holdings and what each one actually does when it matters. The gaps that turn a handover into a court case.
Read the guide → ExplainerNominee is not the same as heir
A nomination is not an inheritance — and in some systems it silently overrides the will. The distinction that causes the most disputes.
Read the explainer →Start where you already are
Nobody handed you a system.
Build one.
Bring in what you already have. Watch the picture fill in — and from then on, stop losing it every year.
Free to start. No card. Bring your advisor in whenever you’re ready.