Six models a family office would run for you.
Run your numbers, together. Each one models the two of you as one household, the way a real desk would.
Run your numbersA family office for every household
Your family’s whole financial life, run by your own office.
Finn, your chief of staff, runs a front office on payroll from day one, with a catalog of eight specialist desks you staff only when your numbers make the case. Nothing moves without both of your signatures. The institution the wealthiest families have always had, built for two people and every household in between.
Finn + 4, day oneYour front office included · 24 seats in the catalog
$100 or $10MSame desk. No minimums, no gates.
20 min a weekThe ritual that ends money fights
The Smith HouseholdPrivate desk · James & Jane
FinnChief of staff · routing
Nothing moveswithout ✓✓ both
- The Controller$82/day safe
- Portfolio Mgrdrift 1.2% · hold
- The Analyst1 flag · Sunday
- The Strategistplan on track
- Cash
- Credit
- Growth
- Protection
- Property
- Legacy
- Tax
- Household
The wire · your office, routing live
An illustrative feed of one evening’s signals, each routed to the desk that handles it. Nothing executes without both signatures.
Finn: The Protection desk staged your term quote at 7:02. It’s item one on Sunday’s money date, and nothing signs without both of you.
Finn + 4 included · 24 in the catalog · commissions: zero
An illustrative household, shown live. A depiction of the product, not customer data.
A new category · Wealth & Health Household Intelligence
Merger protects you, who you’re building with, and who you’re building for.
The first democratized financial institution, engineered specifically for the household. Because the greatest threat to American wealth isn’t the market. It’s the fight about money at the kitchen table.
Your seat at the desk. One shared picture for the two of you. And goals, habits, and legacy that hand the next generation more than money. They inherit how you built it.
Legal and court fees$15,000–$30,000+
One household becomes twoLiving costs up ~40%
Retirement and assetsDivided in half
Average household wealth afterDown 77%
Plus lost lifetime earnings, years of rebuilding, and a family’s compounding, interrupted.
The inheritance
The best idea in money is nearly two centuries old. It wasn’t built for you. So we’re handing you the keys.
Before Merger was software, it was a room. The wealthiest families in America have run their money the same way for six generations: a private staff, one ledger, and nothing signed alone.
- 1838 · New York
The House of Morgan opens a private office for one family's fortune.
Not a bank for customers. A staff for a household. The family office is born.
- 1882 · New York
Rockefeller puts a full-time staff on the family's money.
Every dollar watched, every decision briefed, every signature witnessed.
- 1930s · Room 5600
The Rockefeller office takes three floors of Rockefeller Plaza.
The daily ledger, the quarterly review, the standing meeting nobody skips. The practices work.
- Today · The rope
Roughly ten thousand families worldwide hold a key.
A staff of ten or more, seven figures a year in salaries, about $100 million to start. The idea was never the barrier. The payroll was.
- Est. 2025 · Merger
The whole practice, written into software, for two seats at any table.
The same desks, the same nothing-signs-alone rule, run by intelligence instead of payroll. Less than a dollar a day.
Entered into the record · the rest of this page is what we carried out of that room
The practices, carried forward
Six practices kept the great fortunes intact. Watch each one hand its work to your desk.
These aren’t features we invented. They’re the standing disciplines of the private office, run for a century by staff on payroll, now run by intelligence that never sleeps, never bills by the hour, and never signs alone.
The room · 1882
The daily ledger
Rockefeller’s accountants posted every dollar by hand, every night. Ledger A never closed a day out of balance.
3 clerks · posted by midnight · inkYour desk · The ControllerLive today
Every account, reconciled overnight
Carried forwardThe room · Room 5600
The standing meeting
Six generations of Rockefellers kept one meeting nobody skipped. The family heard the numbers together, out loud.
Weekly · full staff briefed · minutes keptYour desk · The Money DateLive today
Twenty minutes, agenda staged by Finn
Carried forwardThe room · the IPS
The investment policy
Every serious office writes the rules down before a dollar moves: targets, bands, and what happens when markets test them. Then it holds the family to their own document.
Drafted by counsel · reviewed quarterlyYour desk · Portfolio ManagerLive today
Your policy, watched every hour
Carried forwardThe room · the tax desk
The harvest
Family offices comb every position for losses worth banking against gains. It’s unglamorous, annual, and worth real money. Most households have never heard of it.
Seasonal · billed by the hourYour desk · Growth deskIn build
Every lot scanned, daily, math attached
Carried forwardThe room · the treasury desk
The cash sweep
No great fortune lets a dollar sit idle. The treasury desk moved unemployed cash the same day it appeared, always toward its next job.
Daily · a full-time seatYour desk · Merger Bank & TreasuryIn build
Idle dollars, swept to their next job
Carried forwardThe room · the trading desk
The rebalance
When markets pulled a portfolio off its targets, the desk pulled it back. Quietly, on schedule, without a family member lifting a phone.
Quarterly · executed by staffYour desk · Merger InvestmentIn build
Staged to targets. Signed by two.
Carried forwardThe rule that never changed · 1838 or today
Nothing signs alone.
Every practice above ends the same way it ended in the room: two people, one record, both names on the line.
Why we exist
A family office used to be for the 1%. We built one for every household.
- The signalA new dependent appears in the fileTue 9:14 AM · Caught by the analyst
- The deskProtection desk wakes and prices the gap$750K term, both seats · $61/mo · Application pre-filled
- The briefFinn stages it for the boardItem one, Sunday 7:30 · The math attached
- The board · two votes, both required
- James SmithSeat one · Sun 7:41 PM
- Jane SmithSeat two · Sun 7:43 PM
- The recordProtection line raised from 58 to 91Immutable · Filed to the Q3 reportEntered into the record
The wealthy have always had a private team: bankers, investors, advisors, and someone watching the whole picture. Everyone else got a budgeting app and a login for six other things. Merger brings the entire team, and the intelligence to run it, into one membership, for your first hundred dollars or your first ten million.
One desk holds your banking, your brokerage, your plan, your weekly ritual, and direct access to the country’s best coaches and therapists. Nothing bolted on. Nothing outsourced. One institution, working for your household.
41%of divorced couples cite money conflict as a primary cause
77%drop in average household wealth after a divorce
7 in 10couples say money causes tension in their relationship
1 deskreplaces the six disconnected apps most couples juggle
The desk, in motion
Scroll. Watch your household run itself.
01 · See everything
Every dollar, live, for both of you
The end of the monthly reveal. Every transaction across every account streams into one shared window, categorized before you open the app. Transparency stops being a conversation and becomes the default.
02 · Bank as one
Ours, yours, and mine, engineered together
A joint home base with real yield, personal accounts for guilt-free autonomy, and goal vaults that fill themselves every payday. The architecture of a healthy money marriage, running on autopilot.
03 · Invest as a household
Two investors, one strategy, zero silos
Your accounts stop competing and start compounding together. One risk profile, one allocation, one plan, with Finn explaining every position in sentences instead of tickers.
04 · Meet once a week
Twenty minutes that change the trajectory
The desk sets the table: what moved, what's ahead, the one conversation worth having. You show up, decide together, and the decisions execute themselves. This is the ritual members tell their friends about.
Leading technology · Live today
The most advanced money mind ever put in a household
Finn is not a chatbot bolted onto a bank. It reads your real budgets, goals, accounts, and spending, then thinks alongside both of you, so guidance fits your life instead of a generic template.
- Grounded in your real numbers. Answers built from what you actually have, not averages.
- Private by design. Your name and details are anonymized before anything ever leaves.
- Never used to train models. Your money stays yours. Full stop.
Chat with FinnReasoning over your real accounts
IllustrativeWe got a $9,000 bonus. Pay down the car loan or invest it?
Your car loan is at 7.4%, your brokerage has averaged 8.1%, so it is close. But knocking out the loan frees $410 a month and lifts your plan nine points. I would split it: $6,000 to the loan, $3,000 invested. Want the projection?
Show me both paths.
The company brain · open 24/7
You sleep. The office doesn’t.
This is the live wire of your firm. Every desk reports to Finn, desks cross-check one another, and two hundred checks a night compress into the only thing you ever see: a three-item briefing at 7:30.
- Sync→
- Cross-check→
- Rank 19 down to 3→
- The briefing · 7:30
- 200+checks a night, every night
- 8 desksreporting and cross-checking
- 3 minyour entire morning
By half past seven every morning the night’s work is already done. Eight desks — Cash, Credit, Tax, Growth, Protection, Protect, Debt, Property and Legacy — report to Finn through the night and cross-check one another, and more than two hundred checks compress into a three-item briefing: sign the term quote that is staged and needs both of you; decide whether to harvest lot 2, a $1,240 loss taken against gains; and note that the house fund is at 73 percent, three weeks early.
An illustrative household, shown live. A depiction of the product, not customer data.
The institution, room by room
Seven rooms are open today. The rest of the estate is going up around them.
Walk in now and the desk is already working: seven tools live for every member, all reading from one source of truth. The bank, the brokerage, the marketplace, and the tax desk are drawn, commissioned, and in the build, and each one unlocks inside the membership you already hold, at no new price. Members walk through every new door first.
- Founding access
Join while the estate is going up.
Today’s price holds for good, every wing above unlocks inside the seat you already hold, and founding households walk through each new door first.
Request your keys
The weekly Money Date
Wealth isn't built overnight. It's built in twenty honest minutes a week.
The Money Date is the ritual at the center of Merger. Once a week, the desk sets the table: what moved, what's ahead, and the one conversation worth having. Couples who keep the ritual don't just grow their accounts. They stop fighting about money.
The desk prepares the agenda
Finn reviews the week and surfaces the three things that matter, so neither of you has to play accountant.
Twenty minutes, together
Guided prompts built on relationship science keep it a conversation, never a confrontation.
Decisions become automation
Agree once, and the desk executes: sweeps, adjustments, contributions. No follow-up chores.
Streaks become wealth
Every kept date extends your streak, earns rewards, and compounds the habit that compounds everything else.
The Marketplace · In build
When your plan calls for more hands, we hand you to the best humans in the country. Seamlessly.
Most platforms end at a dashboard. Merger goes beyond the call to action. The Marketplace gives members direct access to vetted financial coaches, licensed therapists, and fiduciary advisors, who, with your consent, can see the same live picture you do.
No cold starts. No re-explaining your life. Your professional walks in already knowing your numbers, so every session starts at the real conversation. The Marketplace is in the build now, and it opens to members first.
Browse the MarketplaceFinancial coachesBehavior-first guidance for the plan you'll actually keep
VettedLicensed therapistsCouples specialists trained where money meets marriage
LicensedFiduciary advisorsInvestment and planning professionals, legally on your side
FiduciaryConsent-based data accessYou decide exactly what each professional sees, and for how long
You controlHow your office grows
Your membership comes staffed. The catalog waits until your numbers call.
Every membership opens with Finn as chief of staff and a front office of four: an analyst, a controller, a strategist, and a portfolio manager, on the job from day one. Behind them sit twenty-four specialist seats across eight desks. Finn's staffing model reads your ledger nightly, prices the case for every seat, and recommends almost none of them.
- The offer.
When your numbers make the case, Finn drafts an offer letter on your household letterhead, with the math attached.
- Two signatures.
Every hire is a board decision. Nobody staffs the office alone.
- Starts tonight, releases anytime.
The seat briefs you at your next check-in, and simply stops renewing the day the job is done.
- 21 of 24
- seats the model leaves dormant
- $0
- commissions paid to any seat
- ✓✓
- signatures on every hire
Finn’s staffing model · runs nightly · 2:00 AMLive
Elder Care NavigatorProtection desk
- no dependents flagged in the file
- no care-related spending pattern
Projected value · $0Seat cost · $79/yr
No case · stays dormant · $0
- Cash1 seats, 0 active
- Credit3 seats, 1 active
- Growth3 seats, 1 active
- Protection5 seats, 1 active
- Property3 seats, 0 active
- Legacy4 seats, 0 active
- Tax2 seats, 0 active
- Household3 seats, 0 active
The bench · 24 seats · most stay exactly like this
Free for everyone
The doors that never need a key.
A family office gives its family two things before a single dollar moves: models and a research desk. Ours are open to every household in the country, with no account and no card.
Your research desk reads at 5 AM, so you can read it too.
The news translated for a household, the market in three tiles and one honest verdict, and six short lessons. Everything else is commentary.
- The daily briefing
- Markets, translated
- Six lessons
- Four shelves
Built by people who didn't grow up with a family office. That's the point. Merger Financial, Inc., Est. 2025: the mission, the values, the record so far.
Meet the teamAn open invitation · Your seats in a working institution
Great wealth takes years. Spend them in good company.
Merger is a community of forward-thinking households, compounding side by side at the same private desk. Two seats on every tier, a full office already on shift, and no application to wait on. The door is open. The seats are yours to take.
Merger Reset
$249
per household, per year · two seats
- The full platform: budget, goals, check-ins, rewards
- Weekly Money Date with guided agendas
- Finn for everyday questions and insights
- Merger Bank accessIn build
Merger Member
$499
per household, per year · two seats
- Everything in Reset
- Merger Invest brokerage with household strategyIn build
- Finn with full portfolio and planning reasoning
- Marketplace access with member pricingIn build
- Curated financial and relationship plans
Merger Inner Circle
$849
per household, per year · two seats
- Everything in Member
- Included coaching sessions each yearIn build
- Merger Tax personal preparation includedIn design
- Priority access to top Marketplace professionalsIn build
- Founding-circle events and early featuresIn build
In build and In design items are not open yet. They unlock for members automatically as each wing opens, included with the membership you already hold.
Serve, teach, or protect for a living? Frontline pricing honors military, educators, first responders, and healthcare workers with 30% off every tier, for life. Learn more
Don't just take our word for it
Real people, fewer money fights
Couples and singles across the country use Merger to talk about money with a lot less stress.
As a product manager at Microsoft, I'm always looking for clarity and balance. Merger helps me organize my finances, stay confident about my goals, and build the kind of healthy money habits I'll carry into my future relationship.
A gift for the couple you love
Give them the head start you wish you’d had
The couples who get on the same page about money early are the ones who go the distance. Give a year of Merger to the young couple you love, and hand them that head start while it’s still easy.
Gift a year of Merger
Delivered by email. They redeem in minutes.
An open invitation
The private desk is open. Your seats are waiting.
Every generation, a handful of institutions decide who gets to build wealth. This one was built so the answer is finally: both of you.