An always-on AI team across every account you own.
WARDMARK links your bank, brokerage, retirement, and on-chain wallets in one place, then quietly runs the playbook a financial advisor would — rebalancing toward a target allocation, harvesting tax losses continuously, scheduling recurring bills, and emailing a weekly net-worth briefing. Built for households that don't want five apps and a CFP, but do want disciplined, year-round money management.
5
specialized agents
24/7
continuous steward
1
weekly briefing
net worth · this week
$2.184M
Brokerage
Vanguard · 60/30/10 target
$1.42M
on target
Checking · joint
Chase · business + personal
$214.6k
bills covered
On-chain
Ethereum · 2 wallets linked
$389.2k
flagged · 1 drift
Retirement
Fidelity 401(k) · Roth IRA
$160.1k
rebalance queued
this morning · briefing
Harvester flagged a $4,200 loss window in VWO. Rebalancer queued two drafts inside your 1.5% drift guardrail. Both sit in your approval queue — nothing executed.
How it runs
The playbook a CFP would run, automated and explained.
You set the guardrails once. The crew watches positions, drafts trades inside those guardrails, and writes up everything it did each week. Nothing executes without you in the loop.
- step01
Link & lock the line
Connect bank, brokerage, retirement, and on-chain wallets through read-only aggregator partners. We never store bank passwords; trades route through a tokenized broker connection.
- step02
Set the guardrails
Pick your target allocation, the loss-harvest threshold, the bills it is allowed to schedule, and the max notional per trade. Your spouse, accountant, or advisor can co-steer with role-based controls.
- step03
Let the crew run it
Watch it rebalance, harvest, schedule, and brief — week in, week out. Approve or reject each drafted trade from your phone. Cancel any time.
The crew
Five specialized agents, one continuous steward.
Each agent runs a narrow, well-defined role — same way a small advisory team would. Together they cover the full household balance sheet, not just the brokerage account.
Continuous monitor
Watcher
Streams every linked account — checking, brokerage, retirement, on-chain wallets, even the mortgage servicer — and flags unusual movement the moment it lands.
signal
· always-on feed
Allocation steward
Rebalancer
Holds your target allocation and quietly drafts trades inside your guardrails when positions drift, the way a CFP would rebalance a portfolio each quarter.
signal
· drift > threshold
Tax-loss tracker
Harvester
Continuously watches for harvestable losses, flags wash-sale windows, and explains each move in plain English before anything executes.
signal
· loss window open
Cashflow scheduler
Biller
Schedules recurring payments — utilities, mortgage, contractor invoices, payroll — against the cash you actually keep, not the balance a bank app shows.
signal
· schedule due
Weekly writer
Briefing
Emails a Sunday evening briefing: net worth this week, cashflow, drift, every trade it drafted, and every flag it raised, in language a spouse can read.
signal
· sunday 7 pm
Why WARDMARK
Not another robo-portfolio. Not another analytics dashboard.
Most wealth tools stop at advice. WARDMARK acts — across the whole balance sheet, on a continuous loop, with role-based controls and explanations in plain English.
What WARDMARK is
- A continuous steward across bank, brokerage, retirement, on-chain, and bills
- A small crew of specialized agents, each running a narrow role with guardrails
- A weekly written briefing a spouse or accountant can actually read
- A subscription product on the order of a net-worth tracker with built-in execution
What WARDMARK is not
- A single-account robo-portfolio (Betterment, Wealthfront, Vanguard Digital, Schwab Intelligent)
- An advice-only analytics tool that stops at a dashboard (Cleo, Copilot Money, PortfolioPilot, Hiro, Arta)
- A quarterly review — the crew is on every weekday
- A CFP replacement — it runs the playbook, you stay in charge of approvals
Principles
Guardrails, guardrails, guardrails.
WARDMARK is built around the principle that operational money decisions stay human — the agents draft, you approve. These are answers to the questions households ask before they onboard.
Ready when you are
Bring the whole balance sheet to one crew.
We onboard households in cohorts, not a queue. If you are a high earner, dual-career household, founder, freelancer, or crypto-active investor who wants disciplined year-round money management, write to us and we will set up a 30-minute call.
14-day trial · cancel anytime