Wealth takes years. Join for one.
Merger is a membership: your household’s seat in a working institution. Two seats on every tier, seven tools live the day you walk in, and a private office that grows around you. Join, run four Money Dates, then decide.
A family office never closes. Yours fits on a screen.
For about one more month, every membership starts with an invitation.
V3 opens the doors to everyone. Until then we onboard founding households personally: request your seats, a human reviews it the morning it arrives, and you’re walked in by name. Already inside? Your desk is one click away.
Pick your seat at the desk.
Every membership seats two people with individual logins and one shared desk. Choose how deep you want the institution working for you.
Merger Reset
- All seven live tools: Home, Live Activity, Budget, Portfolio, Rewards, Check-In & Money Date, Chat with Finn
- Weekly Money Date with guided agendas
- Finn for everyday questions and insights
- Merger Bank & Treasury, your seat reservedIn the build
30-day guarantee. Four Money Dates, full refund if it’s not working.
See everything insideMerger Member
- Everything in Reset
- Finn with full portfolio and planning reasoning
- Curated financial and relationship plans
- Merger Investment household brokerageIn the build
- Marketplace member pricingIn the build
30-day guarantee. Four Money Dates, full refund. A coaching session you’ve already used is the one thing we can’t refund.
Request this seatMerger Inner Circle
- Everything in Member
- Two coaching sessions included each year
- Founding-circle events and early features
- Merger Tax Department personal preparationIn the build
- Priority access to top professionalsIn the build
30-day guarantee. Four Money Dates, full refund, less any of your two included sessions you’ve already used.
See everything insideIn the build wings are under construction now and unlock inside the membership you already hold the day they open. No upgrade, no new price.
Four Money Dates, or your money back.
Do four Money Dates in your first 30 days. If the two of you don’t feel more on the same page about money, tell us and we refund every dollar.
Free trials fill with people who never invite their partner and never do the work. We would rather have fewer households who actually build the habit. So there is no trial, and there is no risk either. You just start with something at stake.
Your 30 days starts the day you join. No conditions hiding underneath it. Both seats go live immediately, so your partner can look in whenever they want, and nothing about the guarantee depends on how often they do.
Read the full guarantee- 01Week one
- 02Week two
- 03Week three
- 04Week four
A family office is twelve salaries. Membership is one line item.
Merger’s pricing isn’t benchmarked against budgeting apps, because Merger isn’t one. It’s benchmarked against the thing it replaces: a private staff running one household’s entire financial life.
A working single-family office keeps roughly a dozen people on retainer or payroll. Someone holds the investment policy. Someone routes the cash. Someone watches the tax year as it happens. Someone talks the family through the hard conversation before it becomes a legal one. Below is what those seats cost, at the low end of industry ranges.
Every one of those twelve functions is covered inside Merger. Your membership includes a front office of four that carries the core of them: Finn as chief of staff, a controller, a portfolio manager, and an analyst. The specialist functions sit in the twenty-four seat catalog upstairs, hired only when your situation calls for one. The regulated ones finish with a licensed human on the Marketplace bench. The staff is the product. The price is what changed.
- 01Chief investment officer$210,000
- 02Private banker · treasury lead$145,000
- 03Tax director, CPA$135,000
- 04Certified financial planner$130,000
- 05Investment analyst$95,000
- 06Estate & trust counsel · retained$90,000
- 07Controller · daily reconciliation$85,000
- 08Insurance & risk advisor$70,000
- 09Behavioral finance coach$65,000
- 10Family therapist · retained$60,000
- 11Household concierge$60,000
- 12Compliance & operations$55,000
Twelve staff functions, ~$1.2M in seats, on an annual membership. That is the entire pricing argument, and it is the reason we quote a year at a time instead of a month.
Salary figures are illustrative U.S. industry midpoints for single-family office roles, compiled from published compensation surveys, and represent base pay only, before benefits, office overhead, and the eight-figure minimums that gate access in the first place. Merger is not a family office and does not provide legal, tax, or investment advice. Tiers and inclusions are described on this page.
Wealth isn’t a windfall. It’s a structure, and membership installs it.
Wealthy families don’t begin with money. They begin with structure: total visibility over every dollar, a decision rhythm kept week after week, automatic execution so choices become motion, and a staff watching the whole picture between decisions.
That structure is what membership hands your household on day one. The money is what it compounds.
The whole desk, itemized.
| What’s included | Reset$249/yr | Member$499/yr | Inner Circle$849/yr |
|---|---|---|---|
| The ritualLive | |||
| Weekly Money Date, the full guided ritual | Included | Included | Included |
| Check-In: daily pulse, weekly review, streaks | Included | Included | Included |
| The systemLive | |||
| Two member seats, individual logins, one shared desk | Included | Included | Included |
| Home, Live Activity, Budget, Portfolio, Rewards | Included | Included | Included |
| Protective alerts, real time, both partners | Included | Included | Included |
| The intelligenceLive | |||
| Chat with Finn | Everyday questions | Unlimited, full reasoning | Unlimited, full reasoning |
| Money intelligence | Core, weekly | Full: forecasts, patterns, daily | Full: forecasts, patterns, daily |
| Curated financial and relationship plans | Not included | Included | Included |
| The institutionIn build · members walk in first | |||
| Merger Bank & Treasury access | Included | Included | Included |
| Merger Investment, household brokerage | Not included | Included | Included |
| Marketplace access with member pricing | Not included | Included | Included |
| Merger Tax Department, personal preparation | Not included | Not included | Included |
| The human layer | |||
| Included coaching sessions $250 value | Not included | Not included | 2 per year |
| Marketplace coaching discount, all year In the build | Not included | Not included | 10% off |
| Priority human support | Not included | Not included | Included |
| Sponsors a Frontline couple’s membership | Not included | Not included | Included |
| The membership | |||
| Month 11 receipts: your year, itemized before renewal | Included | Included | Included |
| Members-first access as each new wing opens | Included | Included | Included |
| Founding-circle events and early features | Not included | Not included | Included |
| $249Choose Reset | $499Request your membership | $849Choose Inner Circle | |
Month 11, we show you the receipts.
Most companies hope you forget you pay them. A month before renewal, your desk hands you an itemized account of exactly what membership did for your household this year. Then the decision is yours, made with your own numbers.
No dark patterns. No hoping you don’t notice. An institution that expects to earn its seat at your table every single year.
Your renewal, decided by your results. Not by a buried cancel button.
Join. Run four Money Dates. Then decide.
You pay for the year up front, like any membership worth holding. There is no free trial, and there is no risk either. Four Money Dates inside 30 days is the whole test, and the 30 days starts the day you join.
Two logins, one desk, seven live tools. You’re inside in minutes, both of you.
The desk sets the agenda each week. Twenty minutes, together. Most couples feel the shift on date one, and it doesn’t matter which of you taps the buttons.
Stay, and the office keeps building itself around your household. Or ask from Settings inside your 30 days and we refund every dollar. No forms, no phone maze, no hard feelings.
The desk is fully operational. The estate keeps expanding.
The working desk is live today: seven tools, Finn, and the weekly ritual, all on one ledger. The treasury, the brokerage, the tax desk, and the human wing are in the build, and members walk into every wing first.
Your working desk
Seven tools, the weekly Money Date ritual, and Finn on staff. The complete foundation of a family office, running for your household from day one.
High-yield joint and personal accounts, goal vaults
Household brokerage, one strategy for two
Coaches, therapists, and fiduciary advisors
Personal and business preparation, year-round
30% off, for life, for the people who show up first.
Military, educators, first responders, and healthcare workers built their lives around service. Frontline pricing takes 30% off every tier, permanently: Reset $174, Member $349, Inner Circle $594 per household, per year.
- Verify once, keep it forever. A single verification at signup locks Frontline pricing for the life of your membership.
- Honored at every tier. The 30% applies to Reset, Member, and Inner Circle alike, for as long as you’re a member.
- Both partners covered. One qualifying partner qualifies the household.
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.
Delivered by email. They redeem in minutes.
Milestones that matter beyond your balance.
Members can route milestone rewards and skip-a-purchase micro-donations to our vetted charity partners. Strengthening your household and strengthening families elsewhere were never separate missions here.
What first-time members ask.
A seat in a working institution. Two logins, a staff working on your behalf, first access to every wing we open, and a year-end accounting of what your seat earned you. You can leave anytime. We just plan on making that a hard decision.
Seven tools, working now: Home, Live Activity, Budget, Portfolio, Rewards, Check-In & Money Date, and Chat with Finn. Merger Bank & Treasury, Merger Investment, the Marketplace, and Merger Tax Department are in the build, with every stage published on The Platform page. Each wing unlocks inside the membership you already hold the day it opens, at no added cost.
One membership covers both partners. You each get your own login, your own view, and your own voice in every decision, on one shared desk. Nothing is hidden between you, and nothing requires the other person’s password. If one of you earns the income or runs the money day to day, that’s normal: the second seat is there so your partner can see everything whenever they want, not so they have to.
Because money on the table changes how couples show up. Free trials fill with people who never invite their partner and never do the work, and we’d rather have fewer households who actually build the habit. The guarantee means you carry no risk. It just means you start with something at stake.
Run four Money Dates first. That’s our ask. If the two of you still don’t feel more on the same page about money, request a refund from Settings inside your 30 days and we return every dollar. No retention calls, no dark patterns, no hard feelings. Full policy on the guarantee page.
Then you’re like most households, and that’s fine. One person usually runs the money day to day. The second seat means your partner can see every balance, goal, and decision whenever they want, without a password and without asking you. Use it as much or as little as your household needs. The guarantee only asks that the two of you sit down together four times.
At signup, one qualifying partner verifies their service, military, education, first response, or healthcare, through a quick document check. Verify once and Frontline pricing is locked to your household for the life of the membership.
Your data is encrypted, anonymized before any AI processing, never sold, and never used to train models. You can disconnect any account or wipe your history in one place, instantly. Privacy is architecture at Merger, not a settings toggle.
Two seats are sitting empty at a private desk.
Great wealth takes years. The decision to start takes a minute, and it’s entirely yours.
Request your keys