Question 1

What is a family wealth ledger?

Accepted Answer

A family wealth ledger is a single, complete record of every financial event in a household — across every member, account, and generation. It logs bank reconciliations, investment trades, tax filings, and beneficiary changes, each timestamped in a secure household record with a full audit trail so you always have an organized, auditable history of your household finances.

Question 2

How much does SAWD cost?

Accepted Answer

SAWD costs $10/month (SAWD Individual), $25/month (Business Accounting), $50/month (Business Accounting Plus). Tax filing is billed separately at $99 for a simple return or $199 for a complex one, with optional CPA review and sign-off coming soon. A 7-day free trial is included, and there are no data sales, ads, or upsells.

Question 3

Does SAWD replace my CPA?

Accepted Answer

No. Today, SAWD's AI prepares your federal and state taxes — handling document collection, categorization, and draft preparation, which removes most of the manual effort. SAWD is designed to pair that AI tax prep with a licensed CPA review and sign-off as a planned, optional layer that is coming soon.

Question 4

How is SAWD different from TurboTax, Monarch, or Empower?

Accepted Answer

TurboTax is do-it-yourself tax software. Monarch and Empower are budgeting and net-worth dashboards with no tax filing. SAWD combines AI tax preparation with one permanent, auditable household ledger built for couples, families, and their heirs — and is designed to add optional CPA review and sign-off, coming soon.

Question 5

Is my family financial data secure in SAWD?

Accepted Answer

Yes. SAWD encrypts data at rest (AES-256) and in transit (TLS 1.3), and applies AES-256-GCM envelope encryption to sensitive items such as linked-bank tokens and uploaded documents. Sign-in supports TOTP two-factor authentication (hardware passkeys are planned). Every action is recorded in a tamper-evident audit log, giving you a complete, auditable history of your household finances. Your data is never sold or used for advertising.

Question 6

How often should a household update its net worth?

Accepted Answer

Most planners recommend updating household net worth at least monthly so trends are visible before they compound. Linking accounts through an aggregation layer automates the snapshot, turning net-worth tracking from a quarterly chore into a continuous, always-current view across every account, member, and asset class in one place.