Everything HELM does.

All tiers HELM does not connect to any brokerage, bank, or retirement custodian via stored credentials. No Plaid, no Yodlee, no MX. You enter balances and holdings manually — typically monthly for liquid accounts, quarterly for illiquid. This is the architectural decision the entire product is built around.

The trade is real: real-time syncing in exchange for zero credential-breach surface. HNW operators with asymmetric breach risk take the trade.

All tiers Closing docs, deeds, mortgage statements, K-1s, ops agreements, brokerage statements — uploaded with encryption-at-rest, scoped per operator at the row level. Search by tag or asset. Quarterly PDF generator pulls relevant docs into the report.

All tiers Every record is row-level scoped; the application enforces tenant isolation on every query. There is no admin tool that lets one operator see another's holdings, scenarios, or documents. Full security details at /security.

All tiers Detects wash-sale risk per IRC §1091 + Rev Rul 2008-5 across taxable + IRA + Roth + spouse accounts. Flags transactions inside the 30-day window before/after a loss sale. Educational only — verify with your CPA.

All tiers Identifies positions with unrealized losses suitable for harvesting before year-end. Tracks basis per tax lot. Suggests "substantially identical" replacement candidates that don't trigger wash-sale rules. Educational only.

All tiers Required Minimum Distribution calculator — projects RMD obligations for traditional IRA / 401(k) holdings as you approach age 73 (current SECURE 2.0 threshold). Year-by-year projections. Educational only.

All tiers Tracks year-to-date contributions across all your IRA and Roth accounts. Flags MAGI phase-out exposure for direct Roth contributions. Suggests backdoor / mega-backdoor pathways when applicable. Educational only.

All tiers Tracks holding period + qualified-trade compliance for §1202-eligible C-corp stock. Calculates exclusion ceiling ($10M or 10× basis). Flags Section 1045 rollover opportunities if you sell early. Educational only.

All tiers Computes AMT exemption headroom (IRC §55-§59) given your AMTI. Critical for planning ISO exercises — flags the share count at which the bargain element pushes you over the AMT crossover. Educational only.

All tiers For real estate operators — tracks 45-day identification window + 180-day exchange window for §1031 like-kind exchanges. Flags risk of failure to identify replacement property in time. Educational only.

All tiers Identifies appreciated-stock candidates for charitable giving (vs cash giving) — capital-gains avoidance + full FMV deduction. Donor-advised fund vs direct-to-charity comparison. Educational only.

All tiers Multi-year conversion-amount planner. Fills lower brackets in low-income years (often the gap between retirement and RMD age 73). Visualizes year-by-year tax cost vs. lifetime savings. Includes IRMAA bracket overlay (2-year lookback). Educational only.

All tiers Model the after-tax outcome of major decisions — sell ISOs / exercise + hold / donate appreciated stock / partial Roth conversion / 1031 exchange. Side-by-side comparison of multiple scenarios. Educational only.

All tiers Stress-test your FI plan across 10,000+ simulated return sequences. Computes success-rate (% of simulations where portfolio survives full retirement horizon). Sequence-of-returns risk visualization. Educational only.

All tiers Suggests optimal placement of asset classes across taxable / traditional IRA / Roth / HSA accounts to minimize lifetime tax drag. Tax-inefficient assets (REITs, taxable bonds) toward tax-advantaged buckets. Educational only.

All tiers Single-click quarterly PDF generator. Cover page, total NW, by-account breakdown, Tax Brain status, scenario notes, key Document Vault links. Encrypted PDF — distribute to CPA / advisor / estate file.

All tiers Taxable, traditional IRA, Roth IRA, 401(k), HSA, 529, real estate, private equity, crypto, art / collectibles, business equity. Per-account, per-asset-class, and total NW views. Time-series chart back to first entered datapoint.

All tiers Liquid accounts: monthly. Illiquid (RE, PE, art, business equity): quarterly. The cadence is intentional — manual-first works because you only need ~10 minutes/month, not real-time syncing.

Studio Up to 5 operators on shared dashboards (e.g., HNW operator + spouse + family-office team member + CPA + advisor view). Per-operator permissions. Studio tier $299/mo.

Studio Read-only sanitized export for your CPA / fiduciary advisor. Time-bounded (auto-expires after 30 / 60 / 90 days). Audit log of every advisor session.

Studio Tax Brain scans run with priority compute. Useful when running multi-scenario comparisons under time pressure (e.g., year-end harvest planning).

Studio Run HELM on your own domain (e.g., wealth.yourname.com). SSL provisioned automatically.

Studio Hands-on initial data entry assistance. Walks you through setting up the first 6 months of holdings + Document Vault organization.

Free Standalone AMT crossover estimator at /tools/amt-calculator. Browser-only — no signup, no data leaves the page. Educational only.

Free §1202 exclusion estimator at /tools/qsbs-calculator. Computes exclusion ceiling given basis + holding period. Educational only.

Free Cross-broker wash sale checker at /tools/wash-sale-detector. Drop CSVs from multiple brokerages — tool runs locally, no data uploads. Educational only.