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The Vault

Monitor your wealth. Borrow against it. Pass it on.

One place for net worth tracking, position monitoring, tax-aware planning, and the strategies the wealthiest families use to compound capital across generations.

Connect your accounts

See your full picture — assets, liabilities, cash flow

Link brokerage, bank, and credit accounts through Plaid to unlock real-time Net Worth, position monitoring, cash-flow tracking, and tax-aware rebalancing suggestions. Bank-grade encryption — your credentials never touch our servers.

Net Worth
Live aggregation across all linked accounts
Position monitor
Track holdings, basis, unrealized gains
Cash flow
Categorize income & expenses for tax planning
Encrypted at rest
See /legal/security for technical detail
Compounding Calculator

Model multi-phase wealth growth

Adjust returns + contributions across life phases (early-career → peak-earning → pre-retirement). Compounded monthly. Pretax — apply your effective tax rate for after-tax view.

Plan length: 25 years across 1 phase.
Phase
1
Total after 25 years
$1.32M
You put in
$350.0K
Compound growth
$968.0K
277% of contributions
0y1y2y3y4y5y6y7y8y9y10y11y12y13y14y15y16y17y18y19y20y21y22y23y24y25y$0$350.0K$700.0K$1.05M$1.40M
Strategy Primer

Buy · Borrow · Die

The asset-rich playbook quietly used by the top 0.1%. Buy productive assets, borrow against them tax-free instead of selling, and let stepped-up basis on inheritance wipe out the gains. Below: the mechanics in three steps.

Educational summary only — not tax, legal, or investment advice. The strategy depends on sustained asset appreciation, manageable borrow rates, and current estate-tax rules. Run any version of this with a fiduciary CPA and estate attorney before executing.

Made with Emergent