Rosa names who helps.
She says yes to each person in her circle. She also picks who can make changes for her.
Care
Mom stays in charge of her own account.
Care lets the family help Mama Rosa with her plan, always with her yes. She names who helps, and she can change her mind any time.
Everyone keeps their own account. You choose what crosses.
How it works
Your own account
You keep your money, your login and your history.
Link with your people
Your partner, your family, the person helping your mom, your advisor. Each link is a yes from both sides.
Choose what each thing shows
Every account, goal and expense goes in a room. You decide who sees what.
How it works, starting with Rosa
Caring for Mama Rosa
The circle is Rosa's. Her family joins it with her yes.
Rosa can change it any time.
If she'd rather someone else help, she says so. When a helper steps back, it takes effect right away.
Rosa's account stays hers.
Her money and her history stay in her own account. Her children keep their own accounts too.
A note for Rosa
Rosa, you decide who helps you. You can change your mind whenever you like, and every change is written down for you to read.
Two ways to help
Coordinator
Sofia coordinates
Can: see what Mom shares with her helpers, and leave notes and suggestions.
Can't: change anything.
Steward
Carlos handles the changes
Can: make changes to Mom's plan for her. Every change is written down, and the family can see it and object.
Can't: see what Mom keeps private, or stay on after Mom chooses someone else.
Every change is written down
Helping works best when everyone can see what was done.
A written record
When Carlos makes a change to Rosa's plan, it's written down: who made it, what changed and when. Rosa can read it, and so can everyone who coordinates.
Anyone in the circle can object
If someone in Rosa's circle disagrees with a change, they can say so. Then big changes wait until the family talks it through. Objecting doesn't undo anything. It puts the next big change on hold.
A new person for the changes
Rosa says yes first. If she can't say yes herself, everyone in her circle hears about it first and has time to object.
Helping on your own?
Before anyone makes changes for Rosa, we ask for two people in the circle, or a monthly check-in with Rosa. An only child is welcome.
Who pays is not who sees
Paying never buys the right to see.
Diego helps pay. He sees what he saw before.
Mom sees that Diego is helping, not how much.
Diego can help pay for Care. That doesn't change what he sees, and it never makes him the one who handles the changes.
Two promises that don't change
If Diego stops paying
If the person helping pay stops, the paid help pauses. Nothing is deleted, and no one loses what they could see.
Carlos can't make changes while the help is paused. Rosa's plan, her circle and every written change stay just as they were. Anyone in the family can pay to start it again.
What Rosa keeps private stays private
Your Private Bedroom stays yours. Always. It never crosses any link: not your partner's, not a helper's, not an advisor's.
Not even Carlos, who handles the changes, can see it.
For special needs families
The numbers your plan must include — and most tools don't.
If you're planning for a child with special needs, the math is different. Your projection has to survive your death — not stop at it. WiseNest runs the numbers other tools refuse to show you.
Special Needs Trust income projection
Model trust distributions across your child's projected lifetime — how long will the money last, and what Social Security benefits integrate with it?
Government benefit preservation
SSI and Medicaid have strict asset limits. WiseNest flags when an inheritance or trust distribution would trigger disqualification — before it happens.
Long-term care cost arc
From supported living to residential care — model a 40-year care cost progression in today's dollars, inflated forward, integrated with your Household Protection plan.
Household Protection income replacement
What happens to your child's care funding if you die first — or your spouse does? WiseNest shows the income cliff and models how life insurance bridges it.
Why we built this
Every retirement projection I ran stopped at my death. But I have twins — one of whom has special needs. My plan can't stop when I do. His has to keep going.
— Rich, Founder & CEO, WiseNest
Rich built WiseNest because every tool he tried assumed he was planning alone, for himself, until a specific age. The Care feature came directly from his family's experience — as did the special-needs trust modeling, the Household Protection projections, and the decision to treat multi-generational care as a first-class planning concept, not an edge case.
Care is not a legal power of attorney.
If Rosa wants a power of attorney, that is a separate legal step with a lawyer.
Questions families ask
Can Mom see who helps?
Yes. She sees the names of the people who help pay. She never sees how much.
Does paying let me see more?
No. Paying never buys the right to see. Whoever pays sees exactly what they saw before.
What if the person paying stops?
The paid help pauses. Nothing is deleted, and no one loses what they could see. The people, the links, the plan and the history all stay. Anyone in the family can step in and pay to start it again.
Is Care a power of attorney?
No. Care is not a legal power of attorney. It is a way for your family to help, with Mom's yes, and to write down what they do.
Help a parent, with their yes.
Care works with any plan.
Pricing coming soon
See plans
See the demo
Preview: the demo shows today's app