Wealth House Client OS
Ownership System
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Wealth House
Build it.  ·  Protect it.  ·  Multiply it.
Client OS  ·  Ownership System
The front door

Quick PFR

The fast first pass — a 10–15 minute Personal Financial Review. Capture the basics once: every answer lands in the right room of the house automatically. When you’re ready for the full picture, open any room and go deeper — it’s all connected.
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1 · The household

Who we’re building for. Names first — everything else can come later. ↳ feeds Home · Household
Children — name & DOB

2 · The goal

Two minutes on where this is all headed. ↳ feeds Game Plan & the retirement goal

3 · Protection snapshot

What happens to the paycheck if life happens? Rough numbers are fine. ↳ feeds Income Protection (DIME)

4 · Money snapshot

In, out, and what’s owed — best guesses are welcome. ↳ feeds Budget & Cash Flow

5 · Already built

What’s standing so far. ↳ feeds Savings · Retirement · Estate

6 · Wrap-up

Three priorities in order, the next date, and who else we can help.
Top three priorities — in order
Next appointment
Every house helps build the next one
Who came to mind during this — someone with a new baby, a new house, or the same worry named above? One introduction could change their family’s story.
Nothing locks. Every answer is already sitting in its room — open any room in the menu to go deeper, and the full Wealth House builds right on top of this.
The foyer

Welcome home

Every part of your financial life — what you're building, what protects it, and how it passes on — gathered in one place, with your agent alongside you.
Start here · the front door
Start the Quick PFR
A 10–15 minute snapshot of the household — just the basics, captured once. Every answer flows into the right room of the Wealth House, ready to build out in full detail whenever you are.
18 quick answers · 10–15 minutes
Start the Quick PFR →
Household
Your Household
Build it. · Protect it. · Multiply it.
Your Wealth House agent

Household members

Household structure with names and dates of birth for all family members.
Primary adults
Children
Parents & other household members
If you’re caring for parents or others in the household, add them here so the plan can account for them.
Household notes
Heights & weights, health details, and anything miscellaneous — the little facts that matter at quote and illustration time. Synced with the Quick PFR.

Agent, appointments & review

Who's coordinating this plan, when you met, when you meet next, and when it was last reviewed.
Total protection
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Life & final-expense death benefit
Savings
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Reserves & cash set aside
Retirement & accounts
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Balances on file
Cash value
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Built inside permanent policies

Your house, room by room

A quick read on what's furnished and what's still empty. Tap a room in the menu to fill it in.
The drafting table

My Game Plan

Where your Wealth House goes from here — your house today next to the house you're building, the concepts behind every move, and the plan your financial professional has prepared with you. ↳ feeds your Blueprint
Recommendations are prepared by your financial professional for discussion, are pending qualification and carrier approval, and may change. Educational concepts are general in nature — hypothetical examples are for illustration only and are not tax, legal, or investment advice. Product guarantees are backed by the claims-paying ability of the issuing carrier.
Concept · from your Learn library

Educational content only — hypothetical examples for illustration. Riders, percentages, caps, and availability vary by carrier, product, and state. Not tax or legal advice.
The foundation

Income Protection

The coverage your whole plan stands on — life, disability, and permanent policies. Face amounts, the cash value you're building, and what you pay. ↳ feeds your Financial Review
Total death benefit
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Total cash value
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Annual premium
$0
Policies
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The kitchen table

Budget & Cash Flow

Where the monthly numbers live — income in, expenses out, and what's left to build with. ↳ feeds your Financial Review

Income sources

Add each monthly income stream. These feed into your Financial Review and DIME calculations.

Monthly expenses

Track your spending by category. Used to calculate emergency fund needs and cash flow.

Outstanding Debt

Credit cards, personal loans, auto loans, student loans, etc. — all contribute to your DIME coverage need.

Mortgages

Multiple properties, multiple mortgages — list each separately. All mortgage balances feed into DIME.
Total monthly income
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Total monthly expenses
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Net monthly cash flow
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Total outstanding debt
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Total mortgage balance
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The reserves

Savings

Your cushion and your momentum — emergency reserves and the cash you're setting aside to build with. ↳ feeds your Financial Review
Total savings
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Saving / mo
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Emergency fund
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Accounts
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The structure

Retirement & Accounts

Every account that funds your future and your children's — 401(k)s, IRAs, pensions, Social Security, brokerage, HSAs, and 529 / custodial accounts. ↳ feeds your Financial Review
Total balance
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Monthly contributions
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Est. monthly income
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Accounts
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Doors & windows

Children’s Future

The floor of the house built for the next generation. Kids’ and dependents’ money works differently — custodians, tax treatment, and purpose all matter — so it gets its own room: every account, who controls it, and what it’s for. ↳ feeds your Blueprint & net worth
Saved for the kids
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Across all dependents’ accounts
Adding monthly
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Flows into your cash-flow picture
Accounts
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On file for the next generation

The children

Same list as Home and the Quick PFR — kept in sync everywhere.

Their accounts & plans

One row per account, tied to the child it belongs to. Owner / custodian is the column that matters most — it drives taxes, financial-aid treatment, and what your estate plan needs to say. College cost assumptions live in the DIME analysis on The Whole Picture.
The walls & roof

Protection & Property

The coverage that shields what you own and the people you love — home, auto, umbrella, renters, and policies on the kids. ↳ feeds your Financial Review
Total coverage
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Annual premium
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Policies
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The legacy

Estate & Legacy

The documents and decisions that protect your family and pass your house on the way you intend. ↳ feeds your Financial Review

Estate documents

Mark what's in place, when it was last updated, and where the original lives.

Beneficiaries

Who inherits, and their share — keep this aligned with what's named on each policy and account. Include a phone number so your family can reach everyone if the time comes.

Trust & trustees

If a trust holds part of your estate, name it and list the trustees who will manage it — with how to reach them.
Trustees

Wishes & key contacts

The grounds

What You Own

Everything beyond the walls of this house — other properties, land, businesses, vehicles, and assets of value. Log it once, even with rough numbers, and your true net worth takes shape on the Blueprint. ↳ feeds your Blueprint & net worth
Total value
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Everything on the grounds
Debt against it
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Loans tied to these assets
Net equity
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Value minus asset debt
Income /mo
$0
Rent & business income

Assets on the grounds

Rough values are fine — refine them at every review. Your home mortgage stays in Budget & Cash Flow; use “Debt against it” only for loans that aren’t logged there. How each asset is titled matters most — it decides what your estate plan needs to cover.
The whole picture

Financial Review

Your complete financial standing with live analysis. Fill in the rooms above and enter your DIME assumptions to see your coverage gap and household strength.
The safe

Document Vault

Attach statements, policies, and important papers so everything lives in one place. Files are stored inside your saved portal file — nothing is uploaded anywhere.
Tip: keep individual files modest in size — they're saved inside your portal snapshot.
Click to attach a document
PDF, image, or any file — drag & drop works too
Your data, in your hands

Export / Import

Save a copy of everything in this portal as a single file — then bring it back any time to pick up right where you left off.

Export your portal

Downloads one file containing every room: household, income protection, budget, savings, retirement, property, estate, and your Financial Review inputs. Keep it somewhere safe, email it to yourself, or hand it to your financial professional.
Saves as a .json file named for your household and today's date.

Import a portal

Load a previously exported file to restore everything. This replaces whatever is currently on the page, so export first if you want to keep the current data.

Restore a recent snapshot

This browser keeps a few automatic snapshots of the portal — taken before anything big replaces it. If a house ever gets overwritten by accident, take it back from here.

How it works

When this tool is hosted online, your data is saved for you automatically. This Export / Import option is here for when you'd rather keep your own copy — nothing is stored anywhere unless you export it, and importing simply refreshes the whole tool with the file you choose.
The workbook

Budget Tracker Activity

An optional deep-dive for households ready to do the real work: plan every category, log every transaction, and see what you think you spend next to what you actually spend. Not every family needs this — the ones who take it on learn more in one month than most learn in a year.
How it works
This is a separate activity — it runs on its own and saves automatically on this device only, never to the cloud. Work it for a month: set planned amounts, log spending as it happens, and watch the planned-vs-actual bars tell the truth. When you’re ready, one button below brings your real numbers into Budget & Cash Flow — only if and when you choose.

Bring your results into the house

Imports your actuals — real spending by category, plus debts — into Budget & Cash Flow. Tracker lines are labeled “[Tracker]” and update in place every time you re-import, so nothing ever doubles up and your own entries are never touched.
The application desk

Intake Forms

The detailed intake for carrier applications — everything gathered once, ready when it’s needed. Fill it together with your agent, or complete it at home and send it over.
Private by design
These forms save only on this device — they are never sent to the cloud and are not part of your portal sync. That’s intentional: application details are the most sensitive information in the house. Use the buttons inside the form to save, print, or share when you choose to.
The library — a gift from your agent

Learn

Plain-language basics on the building blocks of the Wealth House. No jargon, no sales — just the fundamentals, so the choices you make together make sense.
Deep dives

The concepts behind your game plan

The same concept cards your financial professional walks through with every recommendation — open any of them, any time.

Set your new password

You’re verified — welcome back. Choose a new password for your Wealth House (at least 6 characters) and you’re in.

Welcome to your Wealth House

Sign in and your whole portal follows you — every device, always saved, ready for every review with your agent.
Forgot your password? Email gethelp.inspire@gmail.com and we’ll send you a reset link.
Continue without an account →
No account needed — Export / Import keeps working from a saved file. Sign in anytime and this page moves to the cloud.