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See which trust, company or person holds each thing your family owns.

When a trust owns a company that owns a building, it’s hard to say what your family holds and through which name. On X1’s household map, each trust, company and person is a card. The card shows what it holds directly and what it holds through the companies it owns, and the line between two cards shows the share.

Any X1 account can keep the map from what you enter and confirm. As a member, X1 also reads your trust, operating agreements and K‑1s and suggests who owns what. A suggested link doesn’t count toward any total until you confirm it.

Start freeHow the map counts

Free for 30 days, no card. After that, membership is $97 a month, or you keep a free account.

The Whitcomb householdAn example family.
Assets, your share$6,424,000What your household holds, at its share. No debts added yet.
  • The household
    Charlotte & Ben Whitcomb
    • Checking, savings and brokerageFrom the bank$2,124,000
    Holds directly
    $2,124,000
    • Link: Your household’s trust
      Trust
      Whitcomb Family Trust
      Counted so far
      $4,300,000
      Not counted: Ridgeway Growth Partners III: no value on record
      Not counted: Pinecrest Storage LLC: link not confirmed
      • Link: 100%
        Company
        Whitcomb Marine Supply LLC
        • The businessYour estimate, March$2,400,000
        • Ridgeway Growth Partners IIIFund interestNo value on record
        Assets, counted so far
        $2,400,000
        Not counted: Ridgeway Growth Partners III, no value on record
      • Link: 100%
        Company
        Harbor Street Holdings LLC
        • 412 Harbor StreetMarket estimate$1,900,000
        Assets
        $1,900,000
      • Link: 25% · unconfirmed
        Companyfound, not confirmed
        Pinecrest Storage LLC
        Read from the 2025 Schedule K‑1
  • Confirmed link
  • Link not confirmed
  • Reported
  • Estimate
An example family. The dashed link was read from a K‑1 and isn’t counted until Charlotte confirms it.

How the map counts

These are the rules X1’s map follows when it counts, so a total on the map means what it says.

    • Checking and brokerageFrom the bank$2,124,000
    • 412 Harbor StreetMarket estimate$1,900,000

    Every value says where it came from

    Each value on the map comes from your records: a connected account, a statement, or a figure you entered. An estimate is drawn striped, so you can tell it from a reported balance at a glance.

    • Ridgeway Growth Partners IIIFund interestNo value on record

    A missing value never shows as $0

    A holder with nothing on record says “No value on record”. It never shows $0, because $0 would say the holding is worth nothing.

  3. Whitcomb Family TrustLink: Share not statedBayside Lots LLC

    X1 never guesses a share

    If a document doesn’t say what share a trust or company holds, the link reads “Share not stated”, and what sits behind it isn’t counted.

  4. Whitcomb Family TrustLink: 25% · unconfirmedPinecrest Storage LLC

    Nothing counts through an unconfirmed link

    A link X1 read from a document but nobody has confirmed is drawn dashed, and nothing is counted through it.

  5. Counted so far
    $4,300,000
    Not counted: Pinecrest Storage LLC: link not confirmed

    A total is shown only when it’s complete

    A total shows only when every part of it is counted. Otherwise the card says “Counted so far” and lists what was left out and why. Holdings in more than one currency are never added together.

  6. Assets, your share$6,424,000What your household holds, at its share. No debts added yet.

    Assets until you add your debts

    With no debts on record, the map says “Assets, your share”. It calls a figure net only once your debts are on it.

You confirm each link X1 suggests

As a member, when X1 reads a trust, an operating agreement or a K‑1, it asks you about each share it finds. Answer “Yes, confirm” and the link turns solid and starts to count. Answer “That’s not right” and nothing is added. Each document is filed under the trust, company or person it belongs to, so the paper behind every link is one click away.

Ownership

Does Whitcomb Family Trust own 25% of Pinecrest Storage LLC?

X1 found this in your documents. You haven’t confirmed it yet.

2025 Schedule K‑1

If you confirm, the link turns solid and the trust’s total counts it.

A picture of the question as X1 asks it on your household page, where you answer it.

On a phone, the map shows one holder at a time

On a phone the map doesn’t shrink. It walks down one holder at a time: the path from your household at the top, the holder you’re on, and the holders it owns, each one tap away.

Trust
Whitcomb Family Trust
Counted so far
$4,300,000
Not counted: Ridgeway Growth Partners III: no value on record
Not counted: Pinecrest Storage LLC: link not confirmed
Owns
  • Whitcomb Marine Supply LLCLink: 100%
  • Harbor Street Holdings LLCLink: 100%
  • Pinecrest Storage LLCLink: 25% · unconfirmed

Coming from Monarch or Kubera?

Monarch and Kubera

Monarch is built around budgeting and tracking your accounts, and its home page doesn’t mention trusts or LLCs. Kubera tracks accounts, funds, trusts and companies on one live balance sheet, and its Black plan adds nested portfolios and ownership tags.

X1

X1 works from the documents behind the structure. As a member, X1 reads the trust, the operating agreements and the K‑1s, suggests who owns what for you to confirm, and files each document under the trust, company or person it belongs to. Then it does the work that comes with them, such as a capital call addressed to one of the companies or a question about what the trust says. X1 doesn’t do budgets, so if you want one, keep Monarch for that.

Monarch and Kubera descriptions are from monarch.com and kubera.com, read on November 11, 2026.

Who gets it, and how to start

Who it’s for
Families whose money sits in more than one name: a revocable trust, an LLC for a building, a company, a fund interest, an inherited trust.
The map
Every X1 account has a household map. On a free account, it holds what you enter and confirm.
As a member
X1 also reads your documents and suggests who owns what, and your bank and brokerage balances stay current on the map. Both come with membership, including the free month.
Try it free for 30 days

Free for 30 days, no card. After that, membership is $97 a month, or you keep a free account.

Start freePlans and pricing

Questions before you start

What tool can make a diagram of my family’s trusts and LLCs?
X1’s household map draws each trust, company and person as a card, shows what each holds directly and through the companies it owns, and puts the share on every link. You add the links yourself, and as a member X1 also reads your documents and suggests them for you to confirm.
How do I keep a record of which trust or LLC owns each asset?
File each document under the trust, company or person it belongs to, and each account under the holder named on it. As a member, X1 suggests where each one goes. The map counts only links you’ve confirmed, and a link X1 suggested is drawn dashed until you confirm it.
Does the map show my net worth?
It shows assets at your household’s share, from your records. It calls the figure net only once your debts are on record, and it shows a total only when every part is counted.
Is the household map free?
Yes. Every X1 account has the map, and on a free account it holds what you enter and confirm. Membership adds X1 reading your documents to suggest who owns what, and live bank and brokerage balances.
Who sees the documents I add?
Your documents are private to you, and a professional you invite sees only what you choose to share. X1 doesn’t give the AI services that read your documents permission to train on them. How X1 handles documents.