Familia Plan

Your abuela crossed borders.
Her wealth shouldn't stop here.

WiseNest Familia is built for families where the finances don't stop at one household — across generations, across languages, across the kitchen table.

Multi-generational planningBilingual EN·ES

See the Morales family plan →See pricing →

5 generations

planned in one place

2 languages

English & Spanish

3 privacy tiers

you control who sees what

1 shared plan

the whole family tree

The big idea

One account. Every branch of the family.

Add your parents, your adult children, your siblings. Each person has their own private space. Everyone sees what they're meant to see.

Create the household

One account holds the whole family. You're the owner.

Invite family members

Each person gets their own secure login and private plan space.

Choose what's shared

Kitchen Table (full view), Living Room (limited), Private Bedroom (hidden). You decide.

WiseNest Familia household overview — every member's plan on one shared screen.

Uniquely WiseNest

The rotating savings circle — built in.

La cundina is how first-generation families build wealth together. WiseNest is the only retirement platform with cundina built into your financial plan — trackable, transparent, and connected to your long-term goals.

Also known as a tanda, sou-sou, hui, esusu, vaquita, or ajo — the same trusted circle, by every name.

WiseNest Cundina on a phone — track each round and who's paid this turn.

WiseNest Cundina dashboard — the family circle, rounds, and the current pot.

✓Track who's paid

✓See how it affects your retirement

✓Works alongside your 401(k) and IRA

Las Cundinas y Más

We built cundinas in because your family already knows how money works — in rounds, in community, in trust. Cundinas (Mexico), tandas (Mexico / American Southwest), susus (West Africa / Caribbean), paluwagan (Philippines), hui (China / Taiwan), gam'iya (Egypt & Middle East) — the practice spans cultures and generations. WiseNest models it because your grandparents knew something the fintech industry forgot: saving together is saving smart.

Critical planning

What happens to your family if something happens to you?

The WiseNest Survivor Mode shows exactly what changes for the surviving spouse or family member — income, Social Security, insurance needs. Know now. Plan now.

WiseNest Survivor Plan — the income gap, Social Security change, and whether coverage closes it.

Life insurance gap calculatorSocial Security survivor benefitIncome replacement analysis

WiseNest legacy planning on an iPad — gifting, family tree, and estate basics in one plan.

From your parents' generation to your children's.

Legacy planning, gifting strategies, estate basics — built into the same plan as your retirement. Because for multi-generational families, they're the same plan.