llms.txt
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− A family office built around you. Your CPA, your attorney and your advisor each see one piece of a household's financial life. X1 keeps the whole record, reads the documents, and tells you which of them needs to hear about what, before the deadline instead of after.− ## An example: two documents disagree− In the illustrated example on x1wealth.com (a fictional household), Morgan Avery owns 40% of Harbor Works LLC under its operating agreement, but the 2025 Schedule K-1 reports a 50% share of profit. X1 points to both lines (Item J on the K-1; Schedule A and Section 5.2 of the agreement) and drafts the question for the household's CPA with both documents attached. Nothing goes to the CPA until the household approves it. Different figures don't always mean an error; the CPA decides.+ A family office built around you. Your business, your building, your trust and your advisors all land on you. The wealthiest families have an office of their own that keeps it in order and goes looking for what they’re missing, and with X1 your family has one too.+ X1 Wealth is an AI family office for families with complex financial lives. It gathers what a family owns from its accounts and paperwork into one picture, gets what arrives ready for the family's decision, and gives the family's CPA, attorney and wealth manager one record to work from.+ ## An example: a capital call, start to finish+ In the illustrated example on x1wealth.com (a fictional household, the Whitcombs), a private fund asks the family's company for $180,000 by December 21. Charlotte knows what’s due, and when. The fund’s notice arrives in the Dropbox folder where she keeps her paperwork. The same day she knows the fund is asking for $180,000 by December 21. The right account pays, and the tax money isn’t touched. Operating checking can cover the call and still keep the $250,000 Charlotte wants left in it. The tax + ## What a family office finds+ - **Tax savings to take to your CPA.** Ways to pay less tax, found in your own return, each with questions to ask your CPA.+ - **Work you did and never billed.** For a business: work your customer approved that was never invoiced.+ - **Insurance that costs too much or covers too little.** The fees inside a life insurance policy, added up year by year. A home insured for far more or far less than its assessed value.+ - **A mortgage rate that’s too high.** A rate that’s high for what you still owe, and a reason to call a lender.+ - **Names and shares that don’t match.** Two documents that disagree about who owns how much of a company, or an estate plan that counts on the beneficiaries named on your accounts, which nobody has checked.+ - **Dates that are worth money.** Stock that’s about to vest, a lockup ending, an investment that’s about to pay out or a loan coming due, shown to you early enough to decide before the date arrives.+ - Terminal: `npm install -g @x1wealth/cli`, then `x1 login`; `x1 skill` prints a skill for Claude Code or Codex ([setup](https://x1wealth.com/connect/terminal))+ - [Household map: which trust, company or person holds each thing a family owns](https://x1wealth.com/features/household-map)+ - [Capital calls: each call checked against its notice and planned before the family pays](https://x1wealth.com/features/capital-calls)+ - [Estate plan review: what a trust or will says, quoted with its page](https://x1wealth.com/features/estate-planning)+ ## Data+ Reference tables X1 maintains from primary sources, free to reuse under CC BY 4.0. Each page shows its sources, the date each row was checked and a change log.+ - [Estate and inheritance tax thresholds by state, 2026](https://x1wealth.com/data/estate-inheritance-tax-by-state): 34 rows, last changed 2026-11-12. Files: [CSV](https://x1wealth.com/data/estate-inheritance-tax-by-state.csv), [JSON](https://x1wealth.com/data/estate-inheritance-tax-by-state.json)+ - [All datasets](https://x1wealth.com/data) and [manifest](https://x1wealth.com/data/manifest.json)