HELM is the personal-OS for solo HNW operators. One view across every account — brokerage, retirement, crypto, real estate, private investments, business cash flow. Manual-first (no Plaid, no aggregator). AI-powered weekly insights on allocation drift, tax-loss opportunities, and goal trajectory. Banker-grade reports for every quarter.
Kubera ships balances. Monarch ships budgeting. Personal Capital pitches you managed money. HELM ships operator-grade intelligence: vesting tracker, real estate deep dive, tax brain, scenario modeling, AI Q&A over your own data, banker-grade quarterly reports. None of which exist anywhere else for the solo HNW operator.
We did the audit. Every "yes" below is verifiable. Every "no" is what costs you weeks of spreadsheet work and surprise tax bills.
| Feature | HELM | Kubera | Monarch | Empower (PC) |
|---|---|---|---|---|
| Manual-first (no Plaid required) | ✓ | × | × | × |
| Weekly AI insight digest | ✓ | × | × | × |
| AI Q&A chat over your data | ✓ | × | × | × |
| Vesting tracker (RSU/ISO/NSO) | ✓ | × | × | × |
| Real estate deep dive (mortgage/depreciation/1031) | ✓ | basic | × | × |
| Private investment tracker (J-curve, IRR, QSBS) | ✓ | basic | × | × |
| Tax brain (wash sale, harvesting, RMD, IRA room) | ✓ | × | × | × |
| Scenario modeling sandbox | ✓ | × | × | × |
| Concentration risk + sector heatmap | ✓ | × | × | × |
| Encrypted document vault | ✓ | × | × | × |
| Beneficiary + insurance review | ✓ | basic | × | × |
| Quarterly banker-grade PDF report | ✓ | × | × | × |
| Net worth statement export (for refis) | ✓ | × | × | × |
| Multi-currency + FX | ✓ | basic | × | × |
| Fee X-ray (lifetime cost calculator) | ✓ | × | × | × |
| Family/Partner read-only mode | ✓ | $$$ | × | × |
| CSV import (Schwab/Fidelity/Vanguard/IBKR) | ✓ | × | × | × |
| ⌘K command palette | ✓ | × | × | × |
| Read-only API for power users | ✓ | × | × | × |
| No advisor pitch / no managed-money pitch | ✓ | ✓ | ✓ | × heavy |
Founding-operator pricing is the studio's commitment to the people who showed up first. $79/mo for life — even when standard rises. 30-day refund, no questions.
HELM is not a registered investment advisor, broker-dealer, fiduciary, CPA, tax advisor, or insurance agent. HELM does not provide individualized investment, tax, legal, or insurance advice. Insights and reports are educational summaries of data you provide. Consult a licensed advisor before acting on any pattern surfaced by HELM. Past performance is not indicative of future results.