Starter
Begin with $5.
For first-time savers. Build the habit before the strategy.
- AI companion (basic guidance)
- Budget tracker — income & expenses
- One savings goal at a time
- Resource library access
Free
Builder
Stack the foundation.
You have income coming in. Time to build credit, an emergency fund, and protection.
- Everything in Starter
- Unlimited savings goals
- Credit-building roadmap
- Cash value & policy loan calculator
- Priority companion follow-ups
Free
Steward
Capital preservation.
You're protecting what you've built and beginning the Family Bank.
- Everything in Builder
- Whole life vs term modeling
- Family Bank planning prompts
- Quarterly accountability check-ins
- Direct line to a licensed advisor
Free
Legacy
The Rockefeller path.
Multi-generational structures, trusts, and the rule of never breaking principal.
- Everything in Steward
- Generational wealth playbooks
- Trust & beneficiary frameworks
- Annual family-bank strategy session
- Concierge advisor access
Free
Tiers describe the depth of guidance and tools you'll see in your companion experience. There is no paywall — move up (or back) any time as your situation evolves.