Wealth.com

Wealth.com is an estate and tax planning technology platform, not an asset manager. It does not make investment decisions or manage discretionary portfolios. The platform is overseen by Co-Founder and Executive Chairman Rei Carvalho and Co-Founder and CTO Rafael Loureiro, who lead product, engineering, and corporate strategy.

Wealth.com is exclusively advisor-led. End clients cannot sign up directly — they must be invited by a financial advisor, wealth strategist, or institution that has adopted the platform. This gatekeeping is designed to keep the advisor at the center of the relationship and to align with securities and insurance regulators. Distribution comes through enterprise agreements with private banks, wirehouses, broker-dealers, and large RIAs.

Wealth.com is a privately held technology company, not a family office. It provides a SaaS platform that financial advisors use to draft estate documents, visualize tax scenarios, and monitor planning opportunities. The founding story traces back to Rei Carvalho's own experience managing his post-exit wealth, but the firm's sole business is selling software to wealth-management intermediaries.

The platform does not manage or recommend assets; it integrates estate and tax planning data with a client's broader financial picture. Through direct integrations, advisors can pull in traditional brokerage holdings from Schwab, equity from Carta, digital assets from Coinbase, and real estate valuations from Zillow. This linked view enables scenario modeling that reflects a client's actual balance sheet.

Ester® is Wealth.com's proprietary AI engine. It extracts, summarizes, and visualizes provisions from existing estate-planning and tax documents, converting static PDFs into structured, queryable data. Advisors use Ester® to onboard complex clients faster, surface overlooked clauses, and produce side-by-side comparisons that inform plan redesign. The firm describes it as the core analytical layer that moves the platform beyond document generation into ongoing intelligence.

Wealth.com names Google Ventures (GV), Citi, and Charles Schwab as investors, citing their financial strength and technical expertise. The firm does not disclose ownership percentages, but Schwab and Citi also serve as distribution partners, integrating the platform into their advisor-facing ecosystems. The presence of a major custodian and a global bank among its backers is an operational anchor for an advisor-led tool.

Wealth.com does not operate a philanthropic foundation and is not structured as a dual-purpose entity. Philanthropic planning is supported within the platform only as a module for client estate strategies — for example, modeling charitable remainder trusts or donor-advised fund contributions. The firm itself has no disclosed charitable vehicle separate from its commercial operations.