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
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AI-powered federal and state tax preparation for households and families
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CPA review, finalization, and e-signature on every return (Form 8879, PTIN-verified)
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Joint-filing optimizer — models married filing jointly vs. separately simultaneously
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Household dashboard aggregating every account across every family member
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Multi-generational wealth ledger with estate planning and beneficiary designation
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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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