Accounts and assets

Open Accounts to search, filter, sort, and switch between card and table views.

Find the right account

The account workspace can filter by:

• category;
• currency;
• institution;
• asset or liability;
• active or archived status.

Sort by value, name, category, recent change, or last update. Table view is useful for comparison; card view gives each account more context.

Read account detail

Select an account to see its current value, classification, chart, transactions, valuations, linked goals, and quick actions.

The account detail shows the 10 newest transactions per page. Use Previous and Next for nearby history, or View all to open the account-filtered transaction workbench with search, date/type filters, sorting, and CSV export.

Common actions include:

• Deposit / Withdrawal: ordinary cash movement.
• Interest: income credited to the account.
• Value: an absolute valuation snapshot.
• Transfer: move value to another owned account.
• Import: load prepared history into this account.
• Estate plan: define inheritance intent for an asset.

Track investment positions

Choose Units and prices when creating an active investment account that contains brokerage cash plus long-only stocks, ETFs, or directly priced funds. Position accounts derive value from:

• replayed account-currency cash;
• instrument quantities replayed in explicit same-date order;
• the latest price effective on or before the value date; and
• effective-dated exchange rates when quote and account currencies differ.

Use Buy and Sell for trades, Price for effective unit prices, and Reconcile to compare a broker statement with calculated cash and positions. Reconciliation observations never overwrite quantities, prices, or values.

The Reinvest, Move units, and Corp action quick actions record grouped dividend reinvestments, paired in-kind transfers, and explicit stock splits, spin-offs, or mergers. Grouped records save, delete, and replay atomically. Corporate-action quantities are planning records, not tax-lot or tax-basis calculations.

Missing prices or rates make totals incomplete rather than treating exposure as zero. Price rows retain their date, source, and provenance. Configure separate stock, ETF, and fund freshness thresholds under Settings; account, goal, estate, dashboard, report, and import views show affected date ranges.

See Position-tracked investments for account setup, trades, settlement, prices, reinvestment, transfers, corporate actions, reconciliation, conversion, privacy, and supported instrument boundaries.

Convert an existing investment account

For an active balance-tracked investment account, choose Convert. Select an as-of date at or after its latest activity, enter explicit opening cash, holdings, unit prices, and optional reference cost basis, then preview the source balance against the replacement total. A non-zero difference requires explicit confirmation.

Confirmation archives the source effective on the conversion date and creates a linked position replacement. Earlier balance history remains unchanged; Wealthboard never infers units from monetary purchase descriptions or valuations. Existing goal and estate links move to the replacement atomically.

Import investment history

Position accounts use Investment History v1, separate from Account History Import v1. JSON supports bounded instruments, position events, cash activity, prices, and optional grouped dividend reinvestments. Separate CSV templates are available for opening holdings, trades, cash, and prices.

Preview shows existing/new instrument resolution, before/after quantities, date range, net change, missing/stale price or rate issues, duplicates, conflicts, and oversells. Confirmation reparses the SHA-256-confirmed file and commits the complete valid sequence in one transaction; one invalid dependent record blocks the whole investment import.

See the exact Investment History v1 contract for JSON fields, CSV headers, grouped reinvestments, and rejection guidance.

Edit account metadata

Select Edit to change the name, description, category, institution, masked reference, cost basis, net-worth inclusion, or notes.

You cannot change account currency after creation. An included estate asset must first be excluded from the estate plan before it can be reclassified as a liability.

Archive an account

Archive records that should no longer appear in normal active workflows. The history remains available. Before archiving, review:

• linked goals;
• estate allocations;
• outstanding transfers or reconciliation work;
• whether the account should still count in net worth.

Categories

Categories classify holdings as assets or liabilities and also describe liquidity and investibility. Manage them under Categories. Existing history keeps its account relationship when a category is renamed.

By default, Money Market Fund, Fixed Income, Savings, and Cash are liquid. The dashboard's Liquid assets total includes active, net-worth-included asset accounts whose current category has the Liquid flag. You can change that flag for any owned category when your classification differs.

Avoid creating categories for temporary statuses such as “needs review.” Use names that remain useful in long-term allocation reports.

Institutions

Institutions are user-owned directory entries, not a shared global catalog. Renaming one updates its name everywhere it is linked. Archiving one preserves existing links but prevents selecting it for a new account.