Formation Money: The AI wealth dashboard for self-directed HNW households

Formation Money is the best-in-class personal finance dashboard for self-directed high-net-worth households — people who'd rather manage their own money than hand it to a wealth manager. Its AI, AURA, turns a complex financial life across many custodians and entities (trusts, LLCs, equity comp, K-1s, multi-state tax) into one clear, cited picture you can act on yourself. Education-only — it never gives personalized advice or moves your money.

Hi Product Hunt 👋 I'm Brad, founder of Formation Money. I built Formation for a specific person: the financially capable DIY-er whose money has outgrown a single login — several custodians, a trust or an LLC, equity comp, K-1s, multi-state tax — and who'd rather run their own money than hand it to a wealth manager. Most tools either flatten all of that into one pile (budgeting apps) or cost $2,500+/yr and assume you have staff (family-office software). Formation organizes everything by the entity that owns it, cites every number back to its source, and gives you AURA — an AI that explains your actual money in plain English so you can make the call yourself. It's education-only by design: AURA never gives personalized advice, and Formation never touches your money (read-only, via Plaid). Would love your feedback — ask me anything.

Finally pulled everything together with my LLC and trust accounts in one view and AURA flagged a duplicate bill I didn't even know about. Feels like the dashboard my accountant would build if she had the time.

The fact that AURA cites its sources for every number is such a thoughtful move, it actually makes the dashboard trustworthy instead of just impressive.