Formation

See your wealth. Shape your future.

Formation is the personal finance dashboard for self-directed households who would rather run their own money than hand it to a wealth manager. If your financial life spans multiple custodians and a structural complication or two — a trust, an LLC, equity comp, private funds, multi-state tax — Formation pulls it into one clear, cited picture so you can manage it yourself.

Numbers are the hero. Formation shows what you have, where it sits, and why it matters — organized by entity, not by login.

WHAT YOU CAN SEE
• Net worth across every account, entity, and custodian — one number, fully traceable to its sources
• Cash flow and spending, automatically categorized
• Investments: allocation, performance, and holdings across brokerages
• Real estate values and equity
• Equity compensation — grants, vesting, and scenarios
• Taxes: brackets, capital gains, and a tax-loss-harvesting scan across custodians
• Estate and wealth-transfer readiness

MEET AURA
AURA is Formation's proprietary AI. It reads your complete financial picture and answers questions in plain language, with every number cited back to its source — sourced, computed, or estimated — so you always know where a figure came from. AURA is education-only: it gives you clarity and context, never personalized investment advice.

BUILT AROUND HONESTY
• Formation is NOT a registered investment adviser and never moves your money.
• AURA provides information and education only — no personalized advice.
• Every figure is labeled by its provenance, and synthesized data is disclosed as such.

Your accounts connect through a secure, read-only link. Accounts you keep private stay out of AURA's context entirely.

Formation membership is a subscription: a 7-day free trial, then $17.99/month or $199/year for the founding rate. Subscriptions are billed through Google Play and renew automatically unless cancelled at least 24 hours before the period ends; manage or cancel anytime in your Google Play account.