The discipline of a family office, kept for your household.
Nestkeel coordinates tax, income, estate, insurance, and investments, projected together instead of in isolation. Upload last year's documents or answer a short guided interview; see the 25-year picture, the dollar distance to every tax cliff, and the structural gaps worth a professional's time. Scenarios and flags, never directives.
Nestkeel is in closed beta. Leave an address and we will write when it opens.
Every number comes from versioned, unit-tested calculation engines with hand-verified fixtures. AI reads documents and explains; it never does arithmetic.
Dollar distance to the next bracket, the next Medicare IRMAA tier, and NIIT, for every projected year, under every scenario you configure.
Beneficiary mismatches, coverage gaps, stale documents, each routed to the kind of professional worth talking to. The tool never says "do X."
In practice
A dashboard carries the current findings, a quarterly agenda covers what changed and what is approaching, and two pages are for testing decisions directly: tax levers for this year, and the private-market rules behind small-business stock, opportunity funds, carried interest, exchanges, and retirement-account holdings.
It is the coordination layer between a family and their CPA, attorney, and adviser: it finds and quantifies the questions, and the professionals still make the calls.
A nest egg is what a family has built. A keel is the spine of a hull, the part that keeps a vessel upright and holding its course when the weather turns. The work here is the second one: not picking the destination, just keeping what you have built steady across the decades and the tax years ahead.