In short. Serious personal wealth sits in the house, the private firm, and the claim, not only in a brokerage window. Bach, Calvet and Sodini: the top takes entrepreneurial risk; the middle accelerates through levered housing. CBS puts Dutch substantial interests above listed paper. Weltee Personal holds listed stock, cash, property, equity compensation, angels, LP stakes, and liabilities on one page. Capital is the fund that issued the stake. Startup is the company whose pack may sit in the same picture.
The brokerage window is a beautiful piece of glass. Most of a serious estate is on the other side of it: a house with a lien, a private company that does not tweet, a pension that does not ping, a fund stake that moves when a GP publishes.
Weltee Personal is built for that split. Listed stock and cash on one row. Property, RSUs, angels, LP stakes, liabilities on the others. Documents in the vault beside the holding they describe. A family office knows this. A ticker app does not.
The middle of America lives in the house
The Federal Reserve's 2022 Survey of Consumer Finances is blunt. Homeownership was 66.1 percent. For owners, median net housing value was $201,000. The middle of the net-worth distribution is housing. Track only the window and you are counting a fragment.
Privately held businesses: 20 percent of all families, and nearly half of families in the top income decile. The interest is illiquid and the first to vanish from a casual inventory. That vanishing is a hole.
The top takes a different risk
Bach, Calvet and Sodini, again on Sweden, show why the very top does not look like a retail portfolio. Gross returns rise with net worth because the rich hold more systematic risk: private equity, financial assets. The middle class's high return on net wealth is leverage on real estate. Two accelerations. Neither is "I picked the right ticker this quarter."
In the Netherlands, CBS's 2023 picture is the same geometry in Calvinist cloth: pension and net housing dominate; substantial business interests outweigh the securities line.
What you do on the page
Put the house next to the ticker. Put the LP line next to both, so when Weltee Capital publishes a quarter the NAV lands the same evening. Startup is the company whose Friday pack an investor opens with no login. One Google identity can hold all three seats. The window can stay. It is no longer the house. See the demo.
Personal is the ledger: holdings, tax, plan, vault. Capital is the fund: dealflow, portfolio, LPs, a quarter you publish once. Startup is the close: locked actuals, a 13-week plan, Friday's pack. An assistant that answers from those numbers.
Hyper-personal by design. Counsel once kept for the few.
Your life, ledger, fund, company, home, and art in one place.
Personal is the ledger: holdings, tax, plan, vault. Capital is the fund: dealflow, portfolio, LPs, a quarter you publish once. Startup is the close: locked actuals, a 13-week plan, Friday's pack. An assistant that answers from those numbers.
Three seats
The ledger, the fund, and the close.
What sits on each seat.
Personal is the ledger: holdings, tax, plan, vault. Capital is the fund: dealflow, portfolio, LPs, a quarter you publish once. Startup is the close: locked actuals, a 13-week plan, Friday's pack. An assistant that answers from those numbers.
Weltee Personal. One picture of everything you own. The options, side by side, tonight, in any language. You take the action alone. Holdings and net worth, Cash, listed, crypto, property, RSUs, angels, LP stakes, Liabilities, tax, and the plan, Documents vault, Dr. Weltee from your own numbers, Linked NAV from Capital, Connections in Settings.
Weltee Capital. Friday's LP update in one publish. Dealflow, IC memo, NAV. Every LP sees the same number the same evening. No PDF to re-key. Dealflow and IC memos, Portfolio and KPIs, LP roster, calls, distributions, Publish a quarter once, NAV on Personal that evening, Exit waterfall, The fund's own raise, Connections in Settings.
Weltee Startup. Friday's pack from the books: cash, burn, and runway, not a slide you typed twice. Investors open a link with no login, and the same update lands in the fund portal. Cash, burn, runway, Lock actuals, 13-week cash plan, Cap table and the raise, Friday's pack, link, no login, Agents in Settings, Connections in Settings.
Why
Finance is a skill everyone should have.
No longer a craft you hire.
One picture. The options, side by side. You take the action.
I. One point of truth. One number, carrying the day it was last true. The holding, the fund, and the company read the same figure.
II. See the options. Both versions, side by side, before you move. Cash against the house. NAV against the call. Runway against the raise.
III. Take the action. The assistant explains. You decide. No one has to build the picture for you first.
How · The loop
Entered once.
True on every page.
The founder files their month. The fund publishes its quarter. Every investor's own Weltee moves the same evening. Nobody retypes anything. Nothing waits for the next PDF.
The founder files: ARR $4.6M, Kavak Labs · July. Friday's pack from the books. Investors open a link with no login.
The fund publishes: $1,315, NAV per unit · Q2 2026. Once. Every LP sees the same number the same evening.
The investor page moves: $657,500, 500 units · that evening. $425,000 paid in · $51,000 returned · 0.12x DPI.
The fund publishes Q2 at $1,315 a unit. That evening every linked investor sees $657,500 on 500 units, beside $425,000 paid in and $51,000 already returned. One publish. No attachment, no re-entry, no email that begins “as of last quarter”.
The obligation
Travels the same wire.
Good news moves easily. What actually costs people money is the bill that arrives at one seat and has to be answered from another. Under one roof, the notice and the cash are already on the same page.
The fund calls $37,500 for Q4 follow-on reserves, due 30 September. It appears on the investor's fund page as money owed, beside the $425,000 already paid against a $500,000 commitment and the cash that has to answer it.
How · A private conversation
Ask anything.
Get an honest answer.
Type the question you actually have, in any language. See both versions. The decision is yours.
You: “Is now the right time to angel into Ashmere Bio?”
Here is the picture across the book. Listed tech and software already sit at about two fifths of what you own. A $250,000 cheque into Ashmere would land in a different niche, and that is the useful part: the book is light on life sciences. Three things to sit with. Angels are already 6% of the book, and four of the six names have not marked in a year. After the cheque, liquid cover is about 11 months if the September lock-up stays shut. Ashmere is pre-revenue, the round is a 2.4x on a friends-and-family that closed eight months ago, and there is no lead. The diversification is real. The price and the timing are the part to weigh. The decision is yours.
Security
There is only one of you.
Built for an audience of one. Yours. The numbers stay on your seat. The model only ever answers to you. Nothing here is sold, and nothing is shared to make a product for someone else.
What · On the page
Everything you own.
On one page.
The house, the options, the fund stakes and the debt in one frame, in one currency, each carrying the day it was last true.
Run the fund where your LPs already live. Dealflow, IC memos, NAV. Publish once. Every LP's Weltee updates itself.
Stocks
Stock options
Property
Startup bets
Private funds
Venture stakes
Bonds
Cash
Crypto
Loans you've made
Land
Trusts
Side businesses
Art & collectibles
What you owe
The dull bits
Become Weltee
The rest is quiet.
Invite-only for now. Create an account and we'll open the door. Your money and your data remain yours alone.