Feature · what this software actually does

Account aggregation

Link held-away accounts via aggregator (Plaid, Yodlee, MX, ByAllAccounts) so the plan sees the full household.

automatedRuns unattended; humans handle exceptions.

Vendors that ship this

Leaders

Adjacent

Build vs buy verdict

buy

Almost universally bought. Building aggregation in-house only makes sense at FO scale where credentials and security posture justify it.

Skills it exercises

Roles that touch it

Where it shows up in the workflow

Data intake & account aggregationannual
Tax returns parsed in minutes, accounts linked via aggregator, statements scanned — not 6 weeks of email back-and-forth.
Net worth & cash-flow buildquarterly
Household balance sheet and 12-month cash flow in one view, refreshed automatically from linked accounts.

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