No unified picture
A checking account here, an old 401(k) there, a brokerage app, a crypto wallet, a house, two loans. Nothing adds them up.
The Problem
Scattered accounts, no scoreboard
No growth tracking
Without a baseline and a monthly reading, there's no way to know whether the last year actually moved you forward.
No allocation clarity
Most households can't say what percentage of their wealth is liquid, at market risk, or locked up until 59½.
"The number that matters is your net worth, not your income, not your salary, not your brokerage balance. Net worth is total assets minus total liabilities. That is the score. We build you the scoreboard."
The Dashboard
Everything in one dashboard
Cash Reserves
Checking, savings, high-yield accounts, and your emergency fund in one line.
Investments
Brokerage accounts, individual positions, index funds, and crypto holdings.
Retirement
401(k), IRA, Roth, and any employer plans from previous jobs.
Infinite Banking
Whole life cash value and any loans outstanding against it, tracked separately.
Real Assets
Primary residence, rental property, land, vehicles, and other tangible holdings.
Liabilities
Mortgages, auto loans, student debt, credit cards, and business obligations.
Why It Matters
Clarity changes behavior
Better decisions
When you can see the whole board, capital allocation stops being a guess and starts being a choice.
Stay motivated
A number that moves in the right direction every month is the most durable financial habit there is.
See your IBC policy working
Cash value growth, loan balances, and net position show up alongside everything else, not on a statement in a drawer.
Know your real number
Not your salary, not your account balance. Total assets minus total liabilities, updated and honest.
The Setup
How we set up your dashboard
01
Account inventory
We list every account, asset, and liability you have, including the ones you forgot about.
02
Platform setup and connections
You choose the tracking platform and connect your own accounts. Your credentials stay yours.
03
Organization and categorization
We structure the categories so the dashboard reads clearly instead of turning into a wall of line items.
04
Baseline and goal setting
We lock in your starting number and set targets so future readings mean something.
This is not investment advice and we do not touch your accounts. We help you build the tracking infrastructure and the financial clarity to make better decisions with your own money.
Prefer To Do It Yourself
Try the Pax Orbis platform
If you'd rather set up your own tracking without a guided session, the self-serve version of this same system is in development at paxorbis.io: automated net worth tracking, a daily morning brief, and the Freedom Meter concept, built for people who want to run it themselves. Early access waitlist is open now.
Join the Pax Orbis waitlistThe Pax Orbis platform is a separate, optional software product. It is not an insurance product, and it is not bundled with or required for any insurance service offered here.