Financial-as-a-service · Private beta
Finangel is the Financial Angel — a suite of finance services, each run and optimized by AI. Business, bookkeeping, banking, tax and asset protection, wealth. Run it Planned — you set the budgets and goals, your way — or Reactive, letting the Angel watch every dollar and optimize as you go. Legally, compliantly, without the headache.
Built for people whose money lives in more than one place — personal, a few LLCs, a trust or two, and cash moving between them.
Two ways to run your money
Finangel runs in two modes. Pick the one that fits how you think about money. Most people run both — plan the intent, let the Angel handle the execution.
Budgets, envelopes, and goals — Dave Ramsey–style discipline, made effortless. You decide where the money goes, and the Angel enforces it at the point of sale — not with a warning after the fact.
No budget to set. The Angel reviews real activity continuously and optimizes on its own — catching, moving, and fixing so you don't have to.
Run one, or both — plan the intent, let the Angel optimize the execution.
The end of the scramble
Bookkeeping has always been a batch job — a scramble every month, quarter, and year-end to categorize, reconcile, and catch up. Finangel does away with it. Every entry is categorized at the moment of the purchase — by the person spending, not a bookkeeper weeks later — so your books are always closed. You still get clean monthly reports; they're just built on data that never fell behind.
Books in shambles — or nonexistent? Start anyway. The Angel does a one-time cleanup and true-up — going through messy, missing, or years-behind books to get you current and reconciled — then keeps them closed in real time from that day forward.
Same idea as Planned mode's card-level enforcement: get it right at the moment of the transaction — not months later.
Everything financial · rolled into one
Not a budgeting app and not one more login. Every discipline of finance, for a person or a business, is a service Finangel actually runs for you — working together, end to end, so you stop stitching together apps, advisors, and spreadsheets.
The back-office admin, paperwork, and filings that keep every entity organized and in good standing.
Learn more →Point-of-sale bookkeeping — every transaction booked the moment it happens, so your books are always closed. No month, quarter, or year-end scramble.
Learn more →Cash managed across accounts; idle money swept to where it earns — and the card that enforces your plan, declining spend outside your categories.
Learn more →Strategy that legally lowers the bill and shields what you've built — returns prepped for a licensed CPA.
Learn more →Surplus put to work with a clear plan for what every dollar should be doing next.
Learn more →LLCs, trusts, and the loans and transfers moving money between them — tracked and reconciled.
Learn more →The documents and structures that pass everything on — drafted and kept current as life changes.
Learn more →Loans compared, hidden fees caught, and deals structured with real creativity — the finagling.
Learn more →The digging — rates, rules, options — done before you have to ask for it.
Learn more →Payroll runs, payroll taxes, and W-2 / 1099 filing — employees and subs, handled.
Learn more →Invoices out, vendors paid, overdue chased — the money owed to you and by you.
Learn more →A payoff plan (snowball or avalanche) enforced at the card, plus credit-score repair.
Learn more →The right coverage — liability, property, life, umbrella — sized and reviewed, not oversold.
Learn more →Net worth, goals, and a plan to retire — 401(k)s, IRAs, Social Security timing, projections.
Learn more →Buying, rentals, and investment analysis — cap rate, 1031s, depreciation, LLC/land-trust holding.
Learn more →College savings done tax-efficiently — 529s, aid, gifting, and student-loan strategy.
Learn more →Nexus, registration, and filing across states — the silent killer, handled for you.
Learn more →R&D credits, SBA, energy credits, and state/EDA incentives — money you're owed, found.
Learn more →Crypto taxes, cost-basis tracking, custody, and estate access — the messy parts, organized.
Learn more →Options, RSUs, and ESPP — vesting, the 83(b) election, the ISO/AMT trap, when to exercise.
Learn more →What your business is worth, how to sell tax-smart, and passing it on — the whole exit.
Learn more →Defer capital gains on a sale — 1031s, Delaware Statutory Trusts, CRTs, Opportunity Zones, installment sales.
Learn more →Trusts, demystified
Most people know they need a trust — but not which one, or how it fits their family, their home, and their entities. There are dozens of kinds, each with its own purpose. The Financial Angel explains every option in plain English, recommends the ones that fit your situation, drafts them, and hands them to a licensed attorney to finalize.
Hold your assets in a trust you still control, so your estate skips probate and stays private. Change it anytime.
Move assets out of your taxable estate and beyond creditors' reach — in exchange for giving up direct control.
A specialized irrevocable trust (DAPT / offshore) built to shield wealth from future lawsuits and creditors.
Hold real estate privately so your name isn't on public title — a favorite of investors and landlords.
Provide for a loved one with a disability without disqualifying them from government benefits.
Pass wealth down for generations, minimizing estate and generation-skipping tax at every level.
Keep a life-insurance payout out of your taxable estate so more reaches your heirs. Also called an ILIT.
Get income now and a tax deduction today, with the remainder going to a cause you choose (a CRT).
Protect an inheritance from a beneficiary's creditors — or their own spending — by controlling payouts.
Plain-language definitions, not legal advice. The Angel drafts and recommends; a licensed attorney reviews and executes.
The angel over your shoulder
Across every service and both modes, the Angel works the same way: it doesn't wait for you to log in, and it doesn't stop at telling you.
Wired to your banks and email, it builds a single current view of every account, transaction, and dollar moving between your entities.
It runs the scenarios proactively and surfaces just the handful worth your attention — each with the exact dollars attached, and why.
On your approval it drafts the plans, prepares the paperwork, and clears the manual work — less labor, fewer human errors.
Anything that legally needs a licensed person is routed to a vetted expert — pre-drafted, so they finish instead of starting cold.
Reactive mode, in action
The simplest proof the Angel is working: money it catches the moment it appears — left on the table, mistaken, or at risk.
Balances sitting at 0.1% that could be earning 4% — swept to where they work.
The same merchant billed twice in a week — flagged before it's forgotten.
A subscription that quietly went up — caught the first time it renews higher.
A balance about to fall short of the month's bills, with days to spare.
The recurring charges that pile up unnoticed — surfaced, so you can cut.
Bills one company covered for another — tracked so nothing goes unpaid.
Illustrative of the kinds of findings the Angel surfaces. It only tells you what it's confident about — and lets you dismiss or mute anything you don't want to see again.
The expert marketplace
Some moves require a licensed CPA, attorney, or advisor. The Angel doesn't stop at the boundary — it does everything up to it, then brings in a vetted expert to review, sign, and execute.
Everything a machine can legally prepare, done and ready.
You get the professional's judgment without their busywork — or their rate on the parts a machine already did.
The compounding part
"Everything finance" is an endless scope — so Finangel isn't a fixed feature list. It's an orchestrator over pluggable Capabilities, and a collective-learning layer called the Hive. Adding the next service means growing the library — never rebuilding the platform.
Each skill — spotting idle cash, drafting a structure, prepping a filing — is a self-contained, testable unit the Angel runs over your financial graph.
The library gets smarter for everyone at once — privacy-preserved. Your data never leaves your side; only the wisdom does.
Where it's going
The full suite isn't built in a day. Each phase has to earn the next — and every one keeps you in control.
Wired to your accounts, watching continuously, surfacing what matters with the dollars attached. Read-only and human-in-the-loop.
Approve-and-execute, plus Planned mode and the first drafting services — budgets you set and tax/asset-protection plans prepared, on your say-so.
The expert marketplace opens and the collective-learning loop goes live — every client and every expert lifting every Angel.
Bookkeeping, banking, accounting, and CPA work running end-to-end — the finance function, largely handled.
Today Finangel is in Phase 0: read-only, human-in-the-loop, dogfooded on real multi-entity books. The rest is the roadmap — where it's headed, not a claim it does it yet.
How it stays trustworthy
It finds the thing before you think to ask.
It suggests and drafts; nothing touches your money without your yes.
Every action defensible and fully audit-logged.
Write and execute are opt-in, gated, and least-privilege.
Founding Members · Presale
Finangel is being built in the open. Founding Members fund the build, get access to what's live today, help shape what ships next — and lock in the founding rate permanently, even as the full suite comes online and prices rise.
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A note from the founder: I'm building Finangel on my own family's multi-entity finances first — it's real, and it's early. Joining now means you're funding the build and getting in at the ground floor, not buying a finished product. What's live today is the Reactive watcher and the cleanup; the rest ships over the phases on the roadmap. If it's not for you, the guarantee has you covered. — Forrest Surprenant