SAWD Frequently Asked Questions
SAWD™ (Software as a Wealth Device) uses AI to prepare your federal and state taxes and records your household's complete financial life in one secure, auditable ledger, with optional CPA review and sign-off coming soon. The questions below cover how it works, what it costs, and how your data is protected.
Common questions
What is SAWD™?
SAWD™ stands for Software as a Wealth Device — a new category of financial software that uses AI to prepare your federal and state tax returns and maintains a secure, auditable household ledger of your complete financial life, with optional CPA review and sign-off coming soon. It is purpose-built for households, couples, and multi-generational families.
What is the "Family Wealth Ledger"?
The Family Wealth Ledger is SAWD's core product positioning — a permanent, complete and auditable financial record for your entire household, covering every account, every tax filing, every estate document, and every investment across your lifetime and your heirs'. Unlike solo budgeting apps or annual tax software, the Family Wealth Ledger persists across generations.
How is SAWD different from TurboTax?
TurboTax is DIY tax software — you prepare your own return with no professional review. SAWD™ uses AI to prepare the return, and is designed to add optional CPA review and sign-off as a layer coming soon. SAWD is also a year-round wealth platform, not just tax-season software. And SAWD is built for households, not solo users.
Does SAWD replace my accountant?
No. Today, SAWD™'s AI handles most of the document collection, categorization, and draft preparation, making tax work dramatically more efficient. SAWD is designed to pair that AI tax prep with optional CPA review and sign-off as a planned layer coming soon, and to give CPAs a dedicated portal to interact with your data without needing your password.
Is SAWD built for couples and families?
Yes — it's the primary use case. SAWD models married filing jointly vs. married filing separately simultaneously and recommends the option that saves more. Household CFO dashboard aggregates every account across every family member. Beneficiaries inherit ledger access. Estate documents are stored alongside the financial records they reference.
Is SAWD for individuals or businesses?
Both. SAWD supports individual 1040 filers, married couples (MFJ and MFS), sole proprietors, LLCs, S-corps, rental property owners, and multi-entity households. All entities share one auditable household ledger — no re-entering data across products.
What does the household ledger mean for my taxes?
The household ledger gives you a complete, auditable history of your household finances. Every transaction and document is recorded with a tamper-evident audit log, giving you an organized chain of custody for every deduction you claim. For you, it means your financial history is permanent and transferable to heirs.
How much does SAWD cost?
Platform subscription: $10/month (Individual), $25/month (Business Accounting, up to 50 transactions/month), or $50/month (Business Accounting Plus, 50+ transactions/month); or $49.99/year (SAWD Annual — all features). Tax filing fee: $99 for a simple return, $199 for a complex one (multiple entities/states), with optional CPA review and sign-off coming soon. A 7-day free trial is included — no charge until day 8.
Is my financial data secure in SAWD?
Yes. SAWD™ uses AES-256 encryption at rest and TLS 1.3 in transit, with AES-256-GCM envelope encryption on sensitive items such as linked-bank tokens and uploaded documents, and a post-quantum hybrid cryptographic stack (ML-KEM-768 + ML-DSA-87) planned on our security roadmap for long-lived records. Every action is recorded in a tamper-evident audit log. Your data is never sold, never used for advertising, and never shared without your explicit consent.
Can my CPA access SAWD?
SAWD is designed with a dedicated CPA portal — coming soon — where your accountant will be able to view your ledger, upload review notes, request documents, model tax scenarios, and review your return, all without logging into your personal account. CPAs get a separate secure workspace with full audit logging of every action they take.
What states does SAWD support?
The private beta (May 2026) supports federal returns plus Virginia, Maryland, and Washington DC — serving the Northern Virginia metro pilot. National rollout covering all 50 states is planned for Q3–Q4 2026, beginning with the highest-population states.
What happens to my ledger when I pass away?
Your designated beneficiaries inherit access to your SAWD ledger — every document, every filing, every asset record — organized, verified, and legally accessible. The Legacy Vault triggers upon verified conditions you configure (e.g., death certificate upload, third-party verification). No financial history is lost, and no scramble for heirs trying to reconstruct your financial life.
Is SAWD SOC 2 or HIPAA compliant?
SAWD uses enterprise-grade security infrastructure (AES-256-GCM, TLS 1.3, tamper-evident audit logs, with post-quantum hybrid cryptography planned on our roadmap) that meets or exceeds SOC 2 Type II technical requirements. A formal SOC 2 Type II audit is planned for Q4 2026 alongside national rollout. HIPAA is not applicable to financial software, but SAWD's medical-expense tracking uses HIPAA-aligned privacy principles.
Frequently asked questions
What is SAWD™?
SAWD™ stands for Software as a Wealth Device — a new category of financial software that uses AI to prepare your federal and state tax returns and maintains a secure, auditable household ledger of your complete financial life, with optional CPA review and sign-off coming soon. It is purpose-built for households, couples, and multi-generational families.
What is the "Family Wealth Ledger"?
The Family Wealth Ledger is SAWD's core product positioning — a permanent, complete and auditable financial record for your entire household, covering every account, every tax filing, every estate document, and every investment across your lifetime and your heirs'. Unlike solo budgeting apps or annual tax software, the Family Wealth Ledger persists across generations.
How is SAWD different from TurboTax?
TurboTax is DIY tax software — you prepare your own return with no professional review. SAWD™ uses AI to prepare the return, and is designed to add optional CPA review and sign-off as a layer coming soon. SAWD is also a year-round wealth platform, not just tax-season software. And SAWD is built for households, not solo users.
Does SAWD replace my accountant?
No. Today, SAWD™'s AI handles most of the document collection, categorization, and draft preparation, making tax work dramatically more efficient. SAWD is designed to pair that AI tax prep with optional CPA review and sign-off as a planned layer coming soon, and to give CPAs a dedicated portal to interact with your data without needing your password.
Is SAWD built for couples and families?
Yes — it's the primary use case. SAWD models married filing jointly vs. married filing separately simultaneously and recommends the option that saves more. Household CFO dashboard aggregates every account across every family member. Beneficiaries inherit ledger access. Estate documents are stored alongside the financial records they reference.
Is SAWD for individuals or businesses?
Both. SAWD supports individual 1040 filers, married couples (MFJ and MFS), sole proprietors, LLCs, S-corps, rental property owners, and multi-entity households. All entities share one auditable household ledger — no re-entering data across products.
What does the household ledger mean for my taxes?
The household ledger gives you a complete, auditable history of your household finances. Every transaction and document is recorded with a tamper-evident audit log, giving you an organized chain of custody for every deduction you claim. For you, it means your financial history is permanent and transferable to heirs.
How much does SAWD cost?
Platform subscription: $10/month (Individual), $25/month (Business Accounting, up to 50 transactions/month), or $50/month (Business Accounting Plus, 50+ transactions/month); or $49.99/year (SAWD Annual — all features). Tax filing fee: $99 for a simple return, $199 for a complex one (multiple entities/states), with optional CPA review and sign-off coming soon. A 7-day free trial is included — no charge until day 8.
Is my financial data secure in SAWD?
Yes. SAWD™ uses AES-256 encryption at rest and TLS 1.3 in transit, with AES-256-GCM envelope encryption on sensitive items such as linked-bank tokens and uploaded documents, and a post-quantum hybrid cryptographic stack (ML-KEM-768 + ML-DSA-87) planned on our security roadmap for long-lived records. Every action is recorded in a tamper-evident audit log. Your data is never sold, never used for advertising, and never shared without your explicit consent.
Can my CPA access SAWD?
SAWD is designed with a dedicated CPA portal — coming soon — where your accountant will be able to view your ledger, upload review notes, request documents, model tax scenarios, and review your return, all without logging into your personal account. CPAs get a separate secure workspace with full audit logging of every action they take.
What states does SAWD support?
The private beta (May 2026) supports federal returns plus Virginia, Maryland, and Washington DC — serving the Northern Virginia metro pilot. National rollout covering all 50 states is planned for Q3–Q4 2026, beginning with the highest-population states.
What happens to my ledger when I pass away?
Your designated beneficiaries inherit access to your SAWD ledger — every document, every filing, every asset record — organized, verified, and legally accessible. The Legacy Vault triggers upon verified conditions you configure (e.g., death certificate upload, third-party verification). No financial history is lost, and no scramble for heirs trying to reconstruct your financial life.
Is SAWD SOC 2 or HIPAA compliant?
SAWD uses enterprise-grade security infrastructure (AES-256-GCM, TLS 1.3, tamper-evident audit logs, with post-quantum hybrid cryptography planned on our roadmap) that meets or exceeds SOC 2 Type II technical requirements. A formal SOC 2 Type II audit is planned for Q4 2026 alongside national rollout. HIPAA is not applicable to financial software, but SAWD's medical-expense tracking uses HIPAA-aligned privacy principles.