Dream Builder
- Model a net-worth, income or date target
- Test contributions and spending assumptions
- Use market-history ranges instead of a single forecast
- Compare alternate paths side by side
- Carry the chosen plan into future reviews
Platform
Everything Cendron Wealth does
One private system for the daily work of understanding, organizing and acting on a complex balance sheet.
01 · Overview
Everything you own, one view
A living balance sheet that explains where the family stands and what changed.
- Daily valuation across connected and manually tracked assets
- 12-month net-worth history with contributions separated
- Liquidity, performance, deadlines and data health at a glance
- Rollups by owner, entity and asset class
- Daily change explanations instead of unexplained totals
- One consistent view for family members and advisors
Illustrative family
Overview
Updated this morningFamily net worth
$48,214,560
Liquid
$31.2M
Cash available
$4.8M
Performance YTD
+11.8%
Upcoming
5 dates
Data health · 82 accounts synced this morning
02 · Portfolio
Every investment account, connected
Public, private and digital assets sit side by side without losing the detail inside each account.
- Consolidated brokerage, retirement, private fund and digital asset accounts
- Position-level shares, value, cost basis and gains
- Allocation across public, private, real estate and digital assets
- Neutral account labels with masked identifiers
- Visible sync status for every connection
- Drill-down from family total to an individual holding
Illustrative family
Portfolio
Updated this morningBR · Brokerage ••4821 · Individual$6.2MSynced
IR · IRA ••1190$1.4MSynced
TR · Trust brokerage ••7730$9.8MSynced
PC · Private credit fund$2.1MQuarterly
CE · Crypto exchange$3.4MSynced
BC · Bitcoin cold storage$4.9MVerified
Allocation
US equity · International · Fixed income · Cash · Private · Digital
Top holdings · Brokerage ••4821
EQ-A8,420$2.1M+18.4%EQ-B12,100$731K+8.1%
03 · Performance
Performance you can trust
See what the portfolio earned after deposits, withdrawals and transfers are taken out of the story.
- Time-weighted family and account returns
- YTD and since-inception comparisons
- Broad market benchmark shown on the same timeline
- Returns by account and asset class
- One-month, one-year and since-purchase periods
- Best and worst contributor summaries
Illustrative family
Performance
Updated this morningYTDSince inception
Portfolio +11.8% · Market index +10.2%
Trust brokerage+1.8%+12.4%
Individual brokerage+1.2%+10.9%
Private credit+0.7%+8.2%
Digital assets−2.3%+24.8%
Best · Digital assets +24.8%Worst · International −1.4%
04 · Connections
Connect every bank and card
Bring balances and activity into Cendron through secure, read-only connections.
- Banks, cards, brokerages, retirement, crypto and loan connections
- Business-book integrations alongside personal accounts
- Read-only access that cannot move money
- Morning balance and transaction refreshes
- Clear connected, delayed and verification-needed states
- Guided reconnection when an institution needs attention
Illustrative family
Connections
Updated this morningConnect an account
BanksCardsBrokeragesRetirementCryptoLoansBusiness books
Operating checkingConnectedsynced 6:12 AM
Platinum cardConnectedsynced 6:08 AM
Mortgage servicerConnectedsynced yesterday
Line of creditNeeds verification
05 · Burn Rate
Budget and spending, finally clear
Separate ordinary life from one-offs, then surface the quiet leaks that deserve attention.
- Automatic transaction categorization across cards and accounts
- Typical-month calculation that excludes unusual purchases
- Twelve-month spending history with one-offs marked
- Category and household-member attribution
- Unused subscription and price-increase detection
- Potential duplicate-charge flags for review
Illustrative family
Burn Rate
Updated this morningTypical month
$118,400
Average
$137,500
Who’s spending on shared cards
PRSPC1C2
11 unused subscriptions · $14,280/yr
Streaming plan increased 18%
Possible double charge · $1,840
06 · Cash
Cash and liquidity
Know what is available now, where it sits and whether too much depends on one institution.
- Cash totals by institution and legal entity
- Institution concentration alerts
- Short-term debt shown beside available liquidity
- Card and table views for fast or detailed review
- Closed-account hiding without deleting history
- Included and excluded account controls
Illustrative family
Cash
Updated this morning$4,812,400
CardsTable
Institution A
$2.98M
Institution B
$1.21M
Institution C
$622K
62% at one bank · consider spreading operating cash
Short-term debt
$840K
Show hidden
3 accounts
07 · Tax & Lots
Tax & lots
Turn cost-basis detail into clear timing and harvesting decisions before the calendar closes.
- Realized and unrealized gain summaries
- Short-term and long-term treatment separated
- Acquisition date, cost basis and gain by lot
- Days remaining until long-term treatment
- Loss-harvest opportunities totaled automatically
- Year-end review list ready for the family’s tax professional
Illustrative family
Tax & Lots
Updated this morningUnrealized gains
$1.42M
Realized gains
$384K
Short term
$218K
EQ-A · Mar 14, 2025$420K+$84K
EQ-B · Nov 02, 2025$188K−$32K
EQ-C · Dec 18, 2025$296K+$41K
FI-A · Jan 08, 2026$610K−$18K
Harvest opportunities: $184,000 of losses available
Two lots turn long-term within 45 days.
08 · Private Markets
Private markets, real estate and loans
Keep slow-moving assets and obligations current beside the accounts that update every day.
- Commitment, called capital and NAV for private funds
- Property value, debt and equity in one row
- Loan balance, rate and maturity tracking
- Capital-call and maturity reminders
- Stale valuation detection
- Documents linked to the asset or obligation they describe
Illustrative family
Private Markets
Updated this morningPrivate funds · commitment / called / NAV
Private credit fund$3.0M$2.4M$2.1M
Growth fund II$2.5M$1.1M$1.3M
Primary residence
$6.8M · $1.9M debt
Lake property
$3.2M · $840K debt
Line of credit
5.25% · Sep 2028
Mortgage
6.10% · Apr 2034
3 values need updating
09 · Entities
Entities and ownership
See each legal structure as its own balance sheet and the family as one connected system.
- Balance sheets for trusts, companies and holding vehicles
- Visual ownership relationships
- Assets and liabilities assigned to the correct owner
- Family-level consolidation without double counting
- Trustee and manager context
- Entity documents beside the structure they govern
Illustrative family
Entities
Updated this morningRevocable trust
$18.4M
Dynasty trust
$12.8M
Holding company
$9.1M
Operating company
$4.6M
10 · Upcoming
What’s coming up
One calendar gathers the dates and dollars that should never arrive as a surprise.
- Estimated tax and property tax dates
- Credit-line and loan maturities
- Private fund capital calls
- Insurance and policy renewals
- Expected amount attached to each event
- Reminders built from account and document records
Illustrative family
Upcoming
Updated this morningOct 15Q4 estimated tax$284,000
Nov 01Property tax · second half$38,600
Nov 18Private fund capital call$240,000
Dec 01Insurance renewal$22,400
Jan 15Line of credit maturity$3,100,000
11 · Reports
Reports and the morning briefing
Start each day with the two lines that matter, then produce a complete family report when needed.
- Morning email with yesterday’s movement and open items
- One-click quarterly family reporting
- Printable cover and polished financial summary
- Shared reporting basis for family and advisors
- Illustrative notes and source context
- Consistent numbers across email, desktop and report
Illustrative family
Reports
Updated this morningQuarterly family report
Family wealth review
Third quarter · Illustrative family
CENDRON · 6:30 AM
Good morning.
Net worth +$212,480 yesterday. Two items need you.
Review capital call
Reconnect credit line
12 · Security
Security and permissions
The family controls access precisely, with every important action preserved on record.
- Two-step sign-in status for every user
- Advisor-by-advisor permission controls
- Separate net worth, spending, document, entity and edit access
- Complete activity history
- Family-controlled role changes
- Read-only financial connections
Illustrative family
Security
Updated this morningTwo-step sign-inOn for everyone
Net worthSpendingDocumentsEntitiesEditTax advisorEstate attorneyInvestment advisor
9:42 AM · Tax advisor viewed Tax & Lots
Yesterday · Principal changed document access
Sep 24 · Estate attorney downloaded trust summary
Cendron IQ
Ask anything about everything you own.
Precise answers grounded in the family’s own accounts, entities, documents and activity.
On your phone and desktopVoice or text
Thinking
What did we spend last month, and what was unusual?
Planning and action
From a question to a realistic next step.
Specialist tools turn the same organized records into plans, reviews and decisions.
Latitude
- Ask whether a purchase is affordable
- Identify a practical source of funds
- Include tax and financing effects
- See the long-run cost to family wealth
- Save a decision for advisor review
Bitcoin lending
- Track live loan-to-value
- See warning and margin-call levels
- Test collateral-price changes
- Record the actual loan terms
- Review preferred lending partners as they roll out
Advisory team
- Coordinate financial, tax and estate analysis
- Rank issues by dollars and urgency
- Prepare drafts for licensed professionals
- Keep decisions and supporting records together
- Track each recommendation to completion
Document library
- Receive statements, deeds, policies and K-1s
- Title and file incoming records
- Connect documents to accounts and entities
- Search the family archive
- Keep a complete review trail
Can we afford it? Ask Latitude.
Name the purchase and Cendron shows where the money should come from, including tax and long-run cost.
Illustrative figuresYes, comfortably.
0.16% of spendable capital · estimated tax $0 · long-run cost about $167/month.
By invitation
Your family’s system is waiting.
Cendron Wealth is onboarding a small number of families and advisory firms each quarter.