Is SAWD built for couples and families?

Yes. SAWD is purpose-built for the household unit - married couples filing jointly or separately, multi-member families, parents planning for children, and multi-generational wealth. The platform models married filing jointly vs. separately simultaneously and recommends whichever saves more.

What happens to my financial ledger when I pass away?

Your designated beneficiaries and heirs inherit access to your SAWD ledger - every document, every tax filing, every asset record - organized, verified, and legally accessible. The Legacy Vault triggers automatically upon verified conditions you configure.

Is my family's financial data secure in SAWD?

Yes. SAWD uses AES-256-GCM encryption, TLS 1.3, and a post-quantum hybrid cryptographic stack (ML-KEM-768 + ML-DSA-87 per NIST FIPS 203/204). Every action is logged in a tamper-evident SHA-256 hash chain. Your data is never sold or used for advertising.

How is SAWD different from TurboTax, Monarch, or Copilot?

TurboTax is DIY tax software with no CPA. Monarch and Copilot are spending and budgeting dashboards with no tax filing or CPA layer. SAWD is different: AI prepares your return, a credentialed CPA signs every filing, and your entire household's finances live in one permanent immutable ledger built for families and their heirs.

What states does SAWD support for tax filing?

Private beta (May 2026) supports federal returns plus Virginia, Maryland, and DC. National rollout covering all 50 states is planned for Q3-Q4 2026, beginning with Florida, Texas, California, New York, and North Carolina.

What is a family wealth ledger?

A family wealth ledger is a single, immutable record of every financial event in a household - across every member, every account, and every generation. It includes bank reconciliations, investment transactions, tax filings, CPA sign-offs, and beneficiary designations, with each entry timestamped and anchored to a cryptographic proof. SAWD is the first commercial implementation of this category.

How is SAWD different from a family office?

A traditional family office requires $25M+ in assets and costs $1M+/year in staff. SAWD delivers the core function of a family office - unified household ledger, CPA-supervised tax preparation, beneficiary management, and estate handover readiness - starting at $48/month for the SAWD Household tier, with Household + Business at $120/month and SAWD Family Office at $360/month. CPA review and signature are included in every tier.

What is Aura Finance?

Your AI-powered financial copilot for seamless wealth management, tax preparation, and accounting. Aura Finance integrates with your accounts to provide personalized insights, manage investments, and simplify your taxes.

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SAWD — The Family Wealth Ledger

AI prepares your family's taxes. Your CPA reviews and signs every return. Every household action is recorded in an immutable, cryptographically-anchored ledger — across every member, every account, and every generation.

What SAWD does

AI-powered federal and state tax preparation for households and families
CPA review, finalization, and e-signature on every return (Form 8879, PTIN-verified)
Joint-filing optimizer — models married filing jointly vs. separately simultaneously
Household dashboard aggregating every account across every family member
Multi-generational wealth ledger with estate planning and beneficiary designation
Immutable double-entry ledger anchored with a SHA-256 hash chain; AES-256-GCM encrypted document vault

Frequently asked questions

What is SAWD?

SAWD (Software as a Wealth Device) is the Family Wealth Ledger — financial software for households, couples, and multi-generational families. AI prepares your federal and state taxes, a verified CPA reviews and signs every return, and your complete financial history lives in an immutable cryptographic ledger.

Does SAWD replace my CPA?

No. AI handles document collection, categorization, and draft preparation; your CPA still reviews, finalizes, and signs every return with their PTIN on Form 8879. AI prepares — a human signs.

How much does SAWD cost?

A flat subscription across three tiers, with CPA review and signature included in every tier: SAWD Household is $48/month ($480/year), Household + Business is $120/month ($1,200/year), and SAWD Family Office is $360/month ($3,600/year). Annual billing saves 20%. A 14-day free trial is included.

Is my family's financial data secure?

SAWD uses AES-256-GCM encryption, TLS 1.3, and a post-quantum hybrid stack (ML-KEM-768 + ML-DSA-87). Every action is logged in a tamper-evident SHA-256 hash chain.

How is SAWD different from TurboTax, Monarch, or Empower?

TurboTax is DIY with no CPA. Monarch and Empower are budgeting/net-worth dashboards with no tax filing or CPA layer. SAWD combines AI tax preparation, a credentialed CPA signature on every filing, and one permanent immutable household ledger built for families.

What states does SAWD support?

Private beta supports federal returns plus Virginia, Maryland, and DC. National rollout across all 50 states is planned for Q3–Q4 2026.

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FAQ | Sawd Finance

FAQ on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.

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Dashboard — Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Dashboard — Tax Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Document Vault — Document Vault on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Portfolio — Portfolio on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Settings — Settings on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Copilot — Copilot on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
OBBBA Deduction Scanner — OBBBA Deduction Scanner on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Refund Estimator — Tax Refund Estimator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax What If Simulator — Tax What If Simulator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Filing Checklist — Tax Filing Checklist on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Calendar — Tax Calendar on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Planning — Tax Planning on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Projector — Tax Projector on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Loss Harvesting — Tax Loss Harvesting on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Sentinel — Tax Sentinel on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Real Time Tax Projection — Real Time Tax Projection on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Planning — Estate Planning on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Legacy Vault — Legacy Vault on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Retirement Planner — Retirement Planner on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Monte Carlo Simulator — Monte Carlo Simulator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Insurance Manager — Insurance Manager on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Family Dashboard — Family Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Receipt Scanning — Receipt Scanning on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
OCR Pipeline — OCR Pipeline on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Document Annotation Workspace — Document Annotation Workspace on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
IRS Transcript Integration — IRS Transcript Integration on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Dashboard — CPA Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Client Portal — CPA Client Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Return Review Queue — CPA Return Review Queue on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Collaboration Hub — CPA Collaboration Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Secure Portal.jsx — CPA Secure Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Partner Landing — CPA Partner Landing on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Agent Hub — Agent Hub on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Sentinel Agent — Tax Sentinel Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Vault Keeper Agent — Vault Keeper Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Architect Agent — Estate Architect Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Alpha Scout Agent — Alpha Scout Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Document Parser — Document Parser on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Early Access — Early Access on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Privacy Policy — Privacy Policy on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Terms Of Service — Terms Of Service on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Cookie Policy — Cookie Policy on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Trust Center — Trust Center on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Changelog — Changelog on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
SAWD Roadmap — SAWD Roadmap on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
App Store Assets — App Store Assets on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Subscription Plans — Subscription Plans on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Family Wealth Ledger — Family Wealth Ledger on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
FAQ — FAQ on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Estate Signature Tracking — Estate Signature Tracking on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Legacy Document Signature Summary — Legacy Document Signature Summary on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Sign Notice — Sign Notice on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Deduction Summary — Deduction Summary on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Deduction Insights — Deduction Insights on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Deduction Year Comparison — Deduction Year Comparison on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Deduction Anomaly Monitor — Deduction Anomaly Monitor on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Beneficiary Onboarding — Beneficiary Onboarding on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Beneficiary Vault Activity — Beneficiary Vault Activity on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Gmail Tax Attachment Sync — Gmail Tax Attachment Sync on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Budget Aware Quarterly Estimator — Budget Aware Quarterly Estimator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Financial Statements — Financial Statements on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
AI Deduction Dashboard — AI Deduction Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Deduction Scout Agent — Deduction Scout Agent on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Scenario Simulator — Tax Scenario Simulator on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Compliance Dashboard — Tax Compliance Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Deduction Wizard — OBBBA Deduction Scanner on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Report Exporter — Tax Report Exporter on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Tax Report Export — CPA Tax Report Export on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Trend Analysis — Tax Trend Analysis on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax Document Vault — Tax Document Vault on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Missed Deductions Analyzer — Missed Deductions Analyzer on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Multi Jurisdictional Reporting — Multi Jurisdictional Reporting on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Real Time Tax Projection Engine — Real Time Tax Projection Engine on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Medical Expenses — Medical Expenses on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Subscription Manager — Subscription Manager on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Command Deck — Command Deck on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Onboarding — Onboarding on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Workbench — CPA Workbench on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Property Tax Management — Property Tax Management on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Portal — CPA Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Guest Dashboard — CPA Guest Dashboard on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Agent Control Center — Agent Control Center on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Tax And Savings2026 Outlook — Tax And Savings2026 Outlook on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Secure Portal — CPA Secure Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
CPA Dedicated Portal — CPA Dedicated Portal on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
Admin Secure Config — Admin Secure Config on Sawd Finance. Sawd Finance manages 5 data types including linked accounts.
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