A sample household: accounts in your own name, a home held 50/50 with a spouse, a 60% stake in an LLC that owns two mortgaged rentals, and a trust holding a brokerage account. The roll-up runs through the same ownership code subscribers use, not hardcoded totals. No signup, no card.
Ownership-weighted net worth · sample
Add every entity up at face value and you get $1,097,510. That counts the half of the home your spouse owns and the 40% of the LLC your partner owns. Nova counts your share only:
| Entity | Equity × share | Yours |
|---|---|---|
| Personal | $168,510 × 100% | $168,510 |
| Joint with spouse | $208,500 × 50% | $104,250 |
| Northstar Rentals LLC | $307,700 × 60% | $184,620 |
| Family Trust | $412,800 × 100% | $412,800 |
| Your net worth | $870,180 |
Sample · illustrative
Your share
Your total
$870,180
50%Joint with spouse
$104,250
60%Northstar Rentals LLC · 2 rentals
$184,620
100%Family Trust
$412,800
Ownership-weighted: a 60% LLC stake counts 60% of the LLC's equity, never 100%.
Per-entity balance sheets
Assets and debts stay with the entity that holds them, at 100%. Your ownership percentage applies only when Nova rolls everything up to you.
Personal · you own 100%
Accounts in your name only.
Assets
Joint · you own 50%
Held 50/50 with a spouse — your share is half.
Assets
Liabilities
LLC · you own 60%
You hold a 60% membership stake; a partner holds 40%.
Assets
Liabilities
Trust · you own 100%
Holds one brokerage account; you own it outright.
Assets
Value sources: ATTOM estimate = automated valuation from the property address; Manual entry = a value the owner typed in; Linked account = a balance synced read-only through Plaid. Sample values as of 2026-10-05, illustrative.
The suggestion engine runs per entity. Here it is on the Personal entity: every suggestion shows its formula and the rows it used.
Personal entity · what the engine sees
$168,510
Operating cash
$60,000
Investments (taxable + IRA)
$108,510
Monthly expenses
$9,500
2 suggestions proposed
Run against the Personal entity above. Its brokerage lots are the same ones in the tax-loss harvesting table below, so the totals reconcile.
Money-market yield assumption: 3.47% (as of 2026-10-14, illustrative).
Concentration · 95% confidence
VXUS is ~37.2% of your marketable holdings — a dominant single-position weight that concentration-risk frameworks flag for review
Observation calculated from the sample portfolio above — not investment advice and not a recommendation to buy or sell any security. A high single-position weight is a diversification observation, not a prediction; whether it is appropriate depends on your goals, time horizon, and overall financial picture. Nova is not a registered investment adviser. Consult your fiduciary before acting.
Idle cash · 85% confidence
$31,500 of cash is earning ~3.46% below money-market yield — if moved, the estimated annual difference would be ~$1,090
Scenario calculated from the sample portfolio above. Not investment advice and not a recommendation to buy or sell any security. Verify current rates and your own tax situation before acting.
Also in the sample · tax-loss harvesting
Nova reads every lot, splits the harvestable loss by holding period, and flags the §1091 wash-sale traps a spreadsheet misses — including the one below, where the same fund sits in an IRA. Repurchase it there within 30 days and the loss is disallowed permanently, because the basis adjustment lands inside a retirement account.
Harvestable loss
$31,581
2 lots across 1 account
Short-term
$15,516
Offsets short-term gains first
Long-term
$16,065
Offsets long-term gains first
Wash-sale risk
1 lot
Review before selling
Computed by the same function that runs for subscribers, against the sample lots below. Illustrative figures — not tax advice, and not an estimate of tax saved. Nova surfaces the position; the scenario calculator applies your marginal rates.
| Lot | Account | Unrealized loss | Note |
|---|---|---|---|
| ARKK120 sh · acquired 2026-01-14 | Taxable Brokerage | −$15,516 | Clear to harvest |
| VXUS300 sh · acquired 2024-11-02 | Taxable Brokerage | −$16,065 | Wash-sale risk · also in Rollover IRA |
| VXUS410 sh · acquired 2023-08-19 | Rollover IRA | −$17,999 | Retirement — never harvestable |
Tax-loss harvest · 60% confidence
Expires Dec 31, 2026
~$31,581 in unrealized losses available — if harvested, the estimated tax benefit would be $1,166–$9,538
Informational scenario calculated from the sample portfolio above — not investment advice and not a recommendation to buy or sell any security. Nova is not a registered investment adviser. Wash-sale rules and your specific lot accounting may change the outcome; consult your tax preparer or fiduciary before acting.
How this works
Every suggestion is a pure function over a portfolio snapshot. The reasoning field is structured JSON — inputs with provenance, named arithmetic steps, and a confidence band with plain-language drivers. The card renders that structure; it doesn't invent prose. The optional Explain this Math button is the one place AI writes text: it sends the suggestion and a portfolio snapshot to OpenAI for a plain-English walkthrough of the same math.
Why it matters
You can audit every suggestion. The math is in the open. Deterministic math decides. AI only explains. Every suggestion comes from rules run against your real data, with the work shown.