# Ember

> The family office you own. Ember consolidates every custodian, entity, and private investment a family holds onto one balance sheet, answers questions about it, and produces a plan the owner executes themselves, every day. AI does the work; licensed humans sign only where the law requires. Sold directly to the owner, not to their advisor, bank, or family office.

Ember is built for families and individuals with roughly $5M to $50M spread across several custodians, entities, and private investments. It is custodian-agnostic: Schwab, Morgan Stanley, Fidelity, a bank, a Delaware LLC, and a real-estate LP all land in one ledger through read-only connections. Statements, K-1s, capital calls, and cost basis are parsed automatically. Ownership is mapped through trusts, LLCs, and holding companies, down to the tax lot. Guidance arrives daily, not quarterly, with the exact steps to implement it at whichever custodian is best.

The single call to action on the site is "Connect your accounts". There is no sales process and no demo scheduling.

Not a registered investment adviser. Regulated services are delivered by licensed professionals.

## Product

- [How it works](https://emberhold.co/#how): Connect, See, Act. Link every custodian, bank, fund portal, and entity; see one balance sheet across every account, entity, and asset class; ask it what your advisor would tell you and get the steps to do it yourself.
- [Features](https://emberhold.co/#features): every custodian on one ledger; entity and ownership map; tax-lot intelligence across accounts; private investments handled (capital calls, distributions, IRR, MOIC, K-1s); daily guidance instead of a quarterly PDF; private by default.
- [Connect](https://emberhold.co/#connect): search your institution, sign in, done. Read-only connections, encrypted in transit. The whole flow is a single API call, so an AI agent can run it for the owner.
- [Licensed humans in the loop](https://emberhold.co/#human): consolidation, analysis, guidance, and reporting run as software. When a task is regulated (formal investment advice, trade execution, tax filing) it routes to a licensed professional as a discrete, priced step. The owner sees who did it and why.
- [Next generation](https://emberhold.co/#family): a private model that knows how the wealth was made, how it is held, and what the governance says, so principals and next-gen get the same answers in language each understands.

## Trust

- [Security](https://emberhold.co/#security): read-only custodian connections; per-family data isolation; encrypted at rest and in transit; no data sold or shared with advisors or product partners; built to support the family-office exemption with no public wrapper required; SOC 2 audit on the roadmap.
- [Questions families ask first](https://emberhold.co/#faq): whether this is investment advice (no; guidance you act on yourself, with licensed professionals as a separate step you approve), which custodians are supported (any major U.S. custodian and bank, plus fund portals and manually held assets), who sees your data (you and whoever you invite), and how long setup takes (most families see a consolidated balance sheet the same day).

## Pricing

- [Pricing](https://emberhold.co/#pricing): flat monthly, no AUM pricing, cancel anytime. Three tiers: Household ($499/month, up to 10 accounts and 3 entities), Family Office ($1,499/month, unlimited accounts and entities, fund-portal retrieval, next-gen seats, private family model), and Family Office + Human ($3,999/month, adds a named licensed professional on call and regulated tasks handled as priced steps).
- [Compare](https://emberhold.co/#compare): how Ember differs from platforms built for the firm rather than the owner.

## For machines

- [openapi.json](https://emberhold.co/openapi.json): OpenAPI 3.1 description of the Ember API (preview). Bearer auth, base URL https://api.emberhold.co.
- [agents.json](https://emberhold.co/agents.json): discovery manifest for AI agents: capabilities, auth, pointers to this file and the OpenAPI document, and the human-in-the-loop rule.

## How agents connect

The API is pre-release; the shape below is what the app runs and what the OpenAPI document describes.

1. Authenticate with a family-scoped bearer token. Every token is bound to one family; data is isolated per family.
2. `POST /v1/connections` with the institution name to link a custodian, bank, or fund portal. The connection is read-only; it can never move money. Once its status is `connected`, statements, K-1s, capital calls, and cost basis stream into the ledger and are parsed automatically.
3. Read `GET /v1/balance-sheet`, `GET /v1/entities`, and `GET /v1/holdings` (add `include_lots=true` for tax lots). `POST /v1/documents` sends a statement or fund document for parsing on arrival.
4. `POST /v1/plans` with a plain-language question returns guidance and the exact steps to carry it out. Each step names its executor: `owner` for steps the owner or their agent can do directly at the custodian, or `licensed_professional` for regulated steps. Regulated steps are never executed by the API; they route to a licensed professional as a discrete, priced step the owner approves. `GET /v1/plans/{id}` reports step status.

Ember does not place trades and does not give formal investment advice. Not a registered investment adviser. Regulated services are delivered by licensed professionals.

## Optional

- [Home](https://emberhold.co/): the full landing page.
- [Startups.studio](https://startups.studio/): the studio building Ember.