Your Net Worth Meets
Your Real Lifespan.
The autonomous health-adjusted wealth engine. Traditional retirement tools ignore healthcare inflation and catastrophic care risks. WealthHealth models your actuarial longevity runway, shields liquidity against medical drag, and deliberates estate preservation using Claude Frontier AI.
Simulate Your Health-Adjusted Runway
Adjust the sliders below to see how medical inflation and life expectancy impact your personal balance sheet over a 50-year horizon.
Personal Balance & Health Telemetry
50-Year Trajectory Simulation (Ages 35 → 90)
Comparing unhedged medical exposure vs. WealthHealth AI-managed endowment
WealthHealth Intelligence Hub
Live interactive accounts ledger, longevity actuarial matrix, and Claude Opus 5.5-powered strategic deliberation.
Assets & Growth Vehicles
Liabilities & Mortgages
Why Claude Opus 5.5 & Fable 5.1 Are Essential
Actuarial health math and estate legal code leave zero tolerance for mathematical or statutory hallucinations. WealthHealth deploys a 3-agent autonomous deliberation topology.
Agent 1: Actuarial Longevity Forecaster
Ingests demographic, genetic risk, and regional healthcare inflation indices. Calculates dynamic health-adjusted safe withdrawal rates (SWR) across 40-year multi-variate curves.
Agent 2: Tax & Estate Deliberator
Requires Claude Opus 5.5 for multi-jurisdictional statutory reasoning. Interprets IRS gift exemptions, Spousal Lifetime Access Trusts (SLAT), and state-level Medicaid estate clawback statutes.
Agent 3: Dynamic Liquidity Rebalancer
Synthesizes outputs from Agents 1 & 2 to generate actionable 90-day liquidity reallocation steps (HSA equity reinvestment, high-yield healthcare reserve shields, hybrid LTC riders).
// Autonomous Multi-Agent Deliberation Call
import Anthropic from "@anthropic-ai/sdk";
const client = new Anthropic({ apiKey: process.env.ANTHROPIC_API_KEY });
// Execute statutory tax and longevity synthesis using Claude Opus 5.5
const deliberation = await client.messages.create({
model: "claude-opus-5-5-2026",
max_tokens: 2000,
temperature: 0.1, // Zero-variance deterministic calculation
system: "You are WealthHealth Chief Actuary and Estate Counsel Agent...",
messages: [{
role: "user",
content: JSON.stringify({
balanceSheet: { assets: 835000, debts: 224000, netWorth: 611000 },
actuarialProfile: { age: 36, horizon: 92, medicalInflation: 0.052 },
deliberationTarget: "Optimize health-adjusted safe withdrawal rate & SLAT trust vehicle"
})
}]
});How WealthHealth Compares
Why high-net-worth individuals and privacy-conscious families reject traditional advisory fee traps and intrusive budgeting apps.
| Feature & Architecture | Traditional Wealth Advisor | Generic Budgeting Apps | WealthHealth.net |
|---|---|---|---|
| Cost to Client | 1.0% - 1.5% AUM ($5,000+/yr) | Subscription ($99/yr) + Ads | 100% Free Public Utility ($0) |
| Bank Credential Requirement | Requires full institutional disclosure | Mandatory Plaid/Yodlee login | Never Required (Zero password risk) |
| Longevity & Medical Inflation Modeling | Static 2.5% inflation estimate | None (Micro-transactions only) | Dynamic 40-Year Actuarial Curves |
| Privacy & Data Selling | Stored in central advisory databases | Monetizes transaction telemetry to advertisers | Zero-Retention, Local Device Encrypted |
| Statutory Tax & Trust Deliberation | Requires expensive estate attorneys ($600/hr) | None | Autonomous Claude Opus 5.5 Synthesis |
| Immediate Access (No Sign-Up) | Weeks of onboarding & KYC paperwork | Mandatory email & phone verification | Instant Access (Zero Login Friction) |
Your Wealth & Health Telemetry
Belongs Strictly to You.
We reject the surveillance capitalism model of traditional personal finance. WealthHealth is architected as an offline-first, client-side encrypted utility.
No Central Database
Your assets and balances are stored only in your browser's isolated LocalStorage. We do not operate a user database that could ever be breached.
Zero Bank Credentials
We never ask for your online banking username, password, or Plaid tokens. Zero liability for unauthorized wire transfers or account takeovers.
Claude Zero-Retention
API requests sent to Anthropic Claude operate under strict commercial Zero Data Retention (ZDR) terms. Your financial prompts are never used for model training.
One-Click Data Purge
You maintain total cryptographic control. Click the purge button at any time to permanently vaporize all stored ledger entries from your client hardware.