Question 1

What is SAWD?

Accepted Answer

SAWD (Software as a Wealth Device) is the Family Wealth Ledger - financial software for US households, couples, and multi-generational families. AI assists with federal and state tax preparation; credentialed CPAs can review filings; and your household financial history lives in a tamper-evident ledger designed to transfer to heirs.

Question 2

Is SAWD built for couples and families?

Accepted Answer

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 can model married filing jointly vs. separately and compare outcomes.

Question 3

Does SAWD replace my CPA?

Accepted Answer

No. SAWD enhances a CPA workflow - AI assists with document collection, categorization, and draft preparation. A credentialed CPA can still review, finalize, and sign returns with their PTIN on Form 8879 when that workflow is enabled for your household.

Question 4

What happens to my financial ledger when I pass away?

Accepted Answer

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.

Question 5

How much does SAWD cost?

Accepted Answer

SAWD is a flat subscription with three tiers: 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%. CPA review workflows are included in every tier. A 14-day free trial is included with no charge until day 15.

Question 6

Is my family's financial data secure in SAWD?

Accepted Answer

Yes. SAWD uses TLS 1.3 in transit, Google Cloud encryption for database storage, AES-256-GCM for sealed bank tokens and the document vault, TOTP multi-factor authentication, and a tamper-evident SHA-256 hash chain for ledger events. Post-quantum hybrid cryptography is on the roadmap. Your data is never sold or used for advertising.

Question 7

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

Accepted Answer

TurboTax is DIY tax software with no CPA collaboration layer. Monarch and Copilot are spending and budgeting dashboards with no tax filing or CPA review workflow. SAWD combines AI-assisted tax prep, optional CPA review, Plaid-connected accounts, and one household ledger built for families.

Question 8

What states does SAWD support for tax filing?

Accepted Answer

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.

Question 9

What is a family wealth ledger?

Accepted Answer

A family wealth ledger is a single, append-only household financial record spanning members, accounts, and generations. It can include bank reconciliations, investment transactions, tax filings, CPA review events, and beneficiary designations, with each entry timestamped in a tamper-evident hash chain. SAWD is building this category for US households.

Question 10

How is SAWD different from a family office?

Accepted Answer

A traditional family office often requires $25M+ in assets and substantial staff cost. SAWD aims to deliver core household functions - unified ledger, AI-assisted tax prep, optional CPA review, 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.

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