Clark X Group / Venture Early access — self-hosted, real Federal Reserve data

See how the top 1% actually hold their money. Then see where you stand.

Financert answers one question with real data: how do the wealthiest American households actually hold their money, and how does your portfolio compare? Enter what you own by asset class, and it shows your allocation beside the measured allocation of the top 0.1%, the top 1%, the next 9%, the next 40%, and the bottom 50% — plus which tier your mix most resembles.

What the data says

Share of investable assets, Q1 2026, from the Federal Reserve's Distributional Financial Accounts:

Asset class	Top 0.1%	Top 1%	Next 9%	Next 40%	Bottom 50%
Stocks & mutual funds	54.2%	50.3%	31.3%	11.3%	7.1%
Private business equity	19.0%	16.0%	8.0%	4.2%	2.0%
Real estate	7.9%	11.8%	22.6%	40.1%	58.6%
Pensions & retirement	1.8%	5.0%	19.5%	26.1%	14.3%
Cash & deposits	6.0%	6.2%	7.7%	9.2%	9.6%

The wealthiest hold their wealth in businesses and equities; the bottom half hold theirs in a house. The pattern sharpens further up: the top 0.1% hold a smaller share in property than anyone else, and almost nothing in a pension.

Three things it computes

Allocation

Your holdings and each tier's, normalized to shares — an apples-to-apples split.

Gap

Per asset class, your share minus the benchmark's. Under 1.5pp is reported as “in line” — the underlying data doesn't support finer precision than that.

Nearest tier

Cosine similarity between your mix and each tier's, so “looks like the next 40%” is measured, not a vibe.

Built to be trusted with real numbers

Real data, not estimates

Every number traces to the Fed's own DFA release, validated against its published totals on every refresh.

Self-hosted

Your holdings live in your own SQLite database, gated by a bearer token you set — not a hosted account.

Works with no network

Installable as an app; ships with an embedded snapshot of the Fed data so it renders standalone if the API is unreachable.

Six languages

English, Spanish, French, German, Portuguese and Arabic, including full RTL layout for Arabic.

Talks to an AI assistant

An MCP server exposes six read-only tools, so Claude or another assistant can answer “how does my portfolio compare to the top 1%?” directly.

Not investment advice

It reports what the data says. Copying the top 1%'s mix wouldn't reproduce their returns — a sixth of their assets is equity in businesses they run.

Get early access

Leave your email and we'll let you know as Financert opens up beyond self-hosting:

Financert is an independent, open-source Clark X Group venture — source, docs and the full write-up on how the numbers are computed: github.com/drewc611/Financert.