Your accounts
Every account you hold, and the work done on it.
Connect what you already have. The staff works each account where it sits today. Merger Bank and Merger Invest take accounts over as they open.
Where it all lives
Your money lives in twelve places.
Banks, cards, old jobs and a mortgage. Each with its own login.
The staff files every one.
Each account goes into one record, with a desk assigned to it.
One record. A desk on each.
Nothing moved. Every account is finally watched.
The Carter record
- Amanda’s checking Controller
- Josh’s checking Controller
- Joint savings Controller
- Amanda’s card Controller
- Josh’s card Controller
- Amanda’s 401(k) Steward
- Josh’s 401(k) Steward
- Old 401(k) Steward
- Roth IRA Steward
- Brokerage Steward
- Mortgage Steward
- Car insurance Guardian
The work, account by account
| The account | The work | Who does it |
|---|---|---|
| Checking and savings | Pays the bills, catches the leaks and moves idle cash to the reserve. | The Controller |
| Credit cards | Flags a charge that billed twice and watches every card for the next better rate. | The Controller |
| The 401(k) at work | Checks that each of you takes the full match. | The Steward |
| 401(k)s at old jobs | Finds every plan left at an old employer and lays out the rollover for two yeses. $2.1 trillion sits in plans like these.3 | The Steward |
| Roth and traditional IRAs | Keeps each one on the policy you both signed. | The Steward |
| Brokerage | Holds every account to one policy, and moves to Merger Invest when it opens. | The Steward Opening |
| 529 and kids’ savings | Ties each account to a goal and keeps it on pace. | The Strategist |
| The mortgage | Tracks the rate and the payoff against the goals you set. | The Steward |
| Insurance policies | Rebids each renewal at the same coverage and brings the saving to the house. | The Guardian |
Until registration, the staff reports, flags and recommends. Every move waits for both of your yeses.