Your stack
Numbers stay on your device — never sent to our servers, never logged. The only thing transmitted is the email you optionally enter at the bottom for the report PDF.
Aggregator + tracking subscriptions
If on Empower advisor service, use AUM fee in next section
Standard plans run $8-14/mo
Premier ~$10/mo, Simplifi ~$3-6/mo
Kubera $15/mo, Wealthfront varies by AUM
Advisor AUM (the biggest cost most operators don't track)
Robo + RIA + wealth manager combined
Robo ~0.25%, RIA ~0.7-1.2%, wealth mgmt 1-1.5%
Tax + accounting + planning
TurboTax Self-Employed ~$120, Drake ~$330
Solo HNW typical: $1,500-$5,000/yr
$2K-$8K every 3-5 years; divide by amortization period
If you have a side business or LLC
Document storage + identity
Password manager + secure notes
Document + statement storage
Your annual wealth tooling cost
Math runs live. Numbers stay local.
Total annual stack cost
—
Sum of all monthly subscriptions × 12, plus annual costs (CPA, tax software, estate amortization), plus AUM fees on advisor-managed assets.
For comparison
HELM Founding tier (locked-for-life): $948/yr ($79/mo × 12). Standard tier: $1,788/yr. Pro tier: $3,588/yr.
HELM is a manual-first wealth OS — no aggregator credentials anywhere, no AUM fee, no Plaid. Replaces aggregator subscriptions and surfaces wealth analysis the rest of your stack can't (Tax Brain scans, Roth conversion ladder, document vault, AI advisor with full portfolio context). Doesn't replace your CPA, tax software, or advisor — those are real human relationships HELM doesn't try to substitute for.
Want this stack analysis emailed?
The PDF version of these numbers, plus a brand-agnostic primer on what each layer of the stack actually does (and which layers most HNW operators over-pay for). Free. One email.
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Privacy posture: brand-anonymous by default. We don't use your email for anything except sending the PDF. No SMS, no aggressive sequence. Disclosure: HELM is the studio's flagship wealth OS.