Division 01 · Private Wealth
A partner-reviewed monthly close, every transaction categorized and reviewed by our team, and the full interactive picture of your financial life — for households above $1M who've outgrown personal-finance apps but aren't building a family office. Starting at $500 / month.
0M+
Total client household assets we currently manage on Spero Intelligence
The gap nobody fills
Your advisor manages your portfolio — they don't touch your spend, your entities, or your monthly close. Personal-finance apps (YNAB, Monarch, Tiller) make you do the work yourself. Family offices start at $25M and $250k a year. Spero is the only firm doing detailed, white-glove household finance — categorized, reconciled, reported, partner-reviewed — at this household size.
Your four current options
Personal-finance apps
You do the categorization
$0–$200/ year · software only
What Spero does
A real monthly close, white-glove
From $500/ month · transparent
Schedule a Call →Wealth advisors
Portfolio yes, household no
% of AUM+ $250k+ at the FO tier
Addepar is a portfolio-reporting tool. eMoney is planning software. Neither closes your month or categorizes your spend. Spero does.
What you receive
Audit-ready PFS prepared on a quarterly cadence — lender, counsel, and governance ready.
Consolidated household package across accounts, entities, and asset classes — with commentary.
Discreet cash-flow planning — categorized, forecasted, and reviewed alongside the principal.
Independent review across managers and custodians — concentration, fee, and performance discipline.
Year-round liaison with your CPA — projections, estimated payments, and clean filing packages.
The platform that makes the math work: automated data capture, normalization, and continuous reporting — included with every engagement.
See the platform →What arrives, every month
01 · Monthly
The package a family office would deliver — built end-to-end on Spero Intelligence, reviewed and signed off by a partner before it reaches you.
Partner-signed before delivery. Every page.
02 · Always-on
Your full financial picture, live and browsable. The same system your partner closes your month on — not a watered-down client portal.
Drill any number to the transaction. Question something? One click flags it to our team.
The human-reviewed close
Most pass through silently. On the handful we have a question about, we flag it in your portal — you answer in five seconds, one click, done. That's the loop. No spreadsheets, no shoebox of receipts, no "can you send me the statement again." The close happens whether you log in or not.
Why a fraction of family-office cost
From hello to first close
30 minutes, direct line, no deck. We walk through your picture, your advisors, your entities — and tell you whether Spero is the right fit.
You connect accounts. Our team categorizes and reviews every transaction across the last three months. You receive a finished, partner-signed close inside of a week.
From there, every transaction is reviewed every month. Partner-signed PDF on schedule. Live platform always current. Five-second flag-and-respond when we have a question.
Common questions
Don't see yours? Bring it to the call — that's what the 30 minutes is for.
Schedule a Call →Your advisor manages your portfolio. We run your household. They can't tell you what you spent on travel last quarter, reconcile your entities, or produce a monthly close at line-item granularity — and most won't try. We're on your side of the table, paid a fixed fee, doing the work nobody else is doing at this household size.
No. Addepar is a portfolio-reporting tool — it doesn't categorize household spend, doesn't run a budget vs. actual, and doesn't close your month. Spero Intelligence is purpose-built for the household close: every transaction categorized, reviewed by our team, and rolled into a partner-signed monthly package.
A traditional office hires a 4–8 person back office — bookkeeper, controller, reporting analyst, ops — because they're stitching QuickBooks + Excel + Addepar + a custom dashboard for every family. Spero Intelligence is the whole stack, end-to-end. One platform, one partner, one fee. From $500 / month.
Every transaction is reviewed by a person on our team every month. Most pass through without you ever seeing them. On the handful we have a question about, we flag it in your portal — you answer in five seconds, one click, and we close your month. Every report you receive is signed off by a partner before it reaches you.
No. We coordinate with them. Year-end packages to your CPA, governance and estate work to your attorney, lender packages on demand. You stop being the integrator.
Bring it to the call. We size the engagement to your household. If we're not the right fit, we'll say so — and tell you who is.
Next step
30 minutes, direct. Bring your questions, your entities, your spreadsheets — whatever you're using today. You'll leave the call with a clear read on whether Spero is the right fit. From $500 / month if it is.
Schedule a Call →