The right plan for the wealth you have today.
Financial planning priorities shift dramatically across net worth tiers. We map the moves that matter at each stage — from your first emergency fund to a single-family office — so you always know what to do next.
§ 01 — Net worth tiers
Pick your tier. See the plan.
Each tier has a different primary objective. Select yours to reveal the core focus and the key actions that should be on your dashboard this quarter.
Tier 01
$1M or less
Mass affluent / emerging HNW
Core focus
Maximize retirement accounts, eliminate high-interest debt, and build a robust 3-to-6 month emergency fund.
Key actions
Fully fund 401(k)s and IRAs each year
Establish baseline term life and disability insurance
Draft a simple will and healthcare powers of attorney
Pay off high-interest debt before aggressive investing
Recommended team
Fee-only financial planner + term-life broker
§ 03 — Asset register
Import your portfolio. Add what Plaid can't see.
Bring in a brokerage CSV, then hand-add the business, the buildings, the art and collectibles. Billbundler builds one printable schedule of assets with allocation, liquidity, and cash-flow potential — plus the planning moves for your tier.
Net worth
$4,425,000
$2M — $5M · tier 02
Gross assets
$5,605,000
7 holdings
Debt against assets
$1,180,000
21.1% of gross
Cash-flow potential
$349,900/yr
6.2% blended yield
| Asset | Category | Liquidity | Value | Debt | Net | Income/yr | |
|---|---|---|---|---|---|---|---|
| Brokerage — index funds | Public equities | Liquid | $640,000 | — | $640,000 | $9,600 | |
| 401(k) / IRA rollover | Retirement accounts | Semi-liquid | $480,000 | — | $480,000 | — | |
| Primary residence | Real estate | Illiquid | $1,150,000 | $520,000 | $630,000 | — | |
| Duplex — rental | Real estate | Illiquid | $640,000 | $310,000 | $330,000 | $52,000 | |
| Operating company (S-corp) | Private business | Illiquid | $2,200,000 | $350,000 | $1,850,000 | $280,000 | |
| Post-war art collection | Art & collectibles | Illiquid | $310,000 | — | $310,000 | — | |
| Cash & T-bills | Cash & equivalents | Liquid | $185,000 | — | $185,000 | $8,300 | |
| Total | $5,605,000 | $1,180,000 | $4,425,000 | $349,900 | |||
Allocation
Cash-flow potential
Actionable suggestions — tier 02
What to do with this balance sheet.
Liquidity is thin
HighOnly 18.6% of net worth is liquid. Build a line of credit against the portfolio or real estate so a liquidity event never forces a bad sale.
De-risk business concentration
HighThe operating business is 39.3% of gross assets. Start exit-readiness work: a formal valuation, key-person insurance, and a buy-sell agreement funded properly.
Formalize the collectibles file
MediumArt and collectibles total $310,000. Get scheduled fine-art coverage, a current appraisal on file, and a written disposition plan — collectibles are taxed at up to 28% on gains.
Asset location and a living trust
MediumPlace income-heavy holdings in tax-deferred accounts and growth in taxable. Add a personal umbrella policy and move from a basic will to a revocable living trust to skip probate.
Print and circulate the schedule
LowExport this register as a printable schedule of assets for your CPA, estate attorney, and insurance advisor — one page that reconciles value, debt, liquidity, and income.
§ 04 — How it feeds your plan
From account data to a living plan.
I.
Measure
We read every account through Plaid and calculate your true net worth, not just your checking balance.
II.
Diagnose
Identify your tier, your gaps, and the highest-leverage action you can take this quarter.
III.
Build
Create a budget, debt strategy, and investment allocation calibrated to your actual wealth level.
IV.
Escalate
When complexity exceeds DIY, we surface the right advisors and documents for your tier.
§ 05 — Pricing
One flat fee. No upsells.
Every plan includes the asset register, allocation analysis, and downloadable tier PDFs. Cancel any time.
Solo
One person, all accounts, full budgeting engine.
$9/mo
- Unlimited Plaid links
- 12-mo forecasting
- Tax-ready exports
Most chosen
Household
Couples & families. Joint dashboards, separate goals.
$16/mo
- Everything in Solo
- Couples mode
- Asset register + PDF plans
Owner
Owners & freelancers. Personal + business in one ledger.
$29/mo
- Everything in Household
- 1099/Schedule C
- Quarterly tax pings
Start today
Build the plan your wealth demands.
Connect your accounts and Billbundler will place you in the right tier, build the budget, and flag the next move.
No credit card required · Cancel any time