Family office reporting

Every statement, every currency — reconciled to one number.

Meridian is the tracking and reporting system of record for single and multi-family office. It ingests financial statements from every bank and custodian, validates, processes and produces monthly reports your principals can rely on — with an audit trail behind every figure.

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Invite-only access · No self-signup · Private deployment per office

Consolidated position June 2026

Source	As reported	Base (USD)
Morgan Stanley · USD	8,388,410	8,388,410
UBS · CHF	2,785,563	3,175,542
JPMorgan Chase · USD	412,880	412,880
Apartment · EUR	3,500,000	3,780,000
Mortgage · USD	(200,000)	(200,000)
Total		15,556,832

Reconciled 5 sources · FX at 30 June · admin-approved

The problem

The numbers exist. Getting them to agree is the work.

As a family office manager, your customers hold assets across a handful of private banks, brokers, funds, insurers, and whatever sits outside a custodian entirely — property, private holdings, a mortgage. Each one exports in its own format, its own currency, on its own schedule.

The month-end job is not producing a number. It is producing a number someone is willing to sign their name to — one that ties back to the source statements, holds up when a principal asks where a figure came from, and does not quietly change after it has been sent.

Meridian is built around that constraint. Every figure traces to an approved source file, and nothing reaches a client until a person has approved it.

Capabilities

Built for the month-end close, not for dashboards.

Statement ingestions

Drop in a month's exports at once. What ever format, what ever file (CSV, Excel, or a PDF statement) — and it will automatically match accounts, currencies and security holdings.

Reconciliation, enforced

Every file is checked against the total it states about itself. A file that disagrees with its own rows is blocked from approval until someone acknowledges the difference in writing.

Multi-currency

Hold in Dollars, Euros, Swiss Francs. Rates are entered per period and carried forward, and a report says plainly when a rate is missing rather than quietly reporting a partial total.

Security master

Classify a holding by asset class and geography once. Every future statement containing it is classified automatically, so allocation reporting stays consistent month to month.

Assets off-custodian

Property, private holdings, loans and mortgages sit alongside custodied assets. Anything not revalued recently is flagged as stale rather than silently carried at a decade-old figure.

Policy vs. actual

Set a target allocation per client account and report actual holdings against it, so a drift conversation starts from an agreed number instead of a spreadsheet built that morning.

The monthly cycle

Four steps, in order, every month.

The sequence is deliberate: a figure cannot skip a stage. Nothing is published that was not approved, and nothing is approved that did not reconcile or was not explained.

01

Ingest

Upload the month's statements together. Each file resolves its own bank account and format; you are only asked when it genuinely can't tell.

02

Reconcile

Rows are totaled and compared against the figure the statement states for itself. Anything that disagrees is flagged before a human ever looks at it.

03

Approve

An admin reviews the queue and approves each file into the draft month. A discrepancy must be acknowledged with a written reason to move forward.

04

Publish

Closing the month publishes it to the client portal. Published months are locked — source files behind them can no longer be deleted.

Why it matters

A number that doesn't tie out should stop the line.

Most reporting tools will happily total whatever you feed them. Meridian will not. When a statement's rows don't add up to the total printed on that same statement, the file is marked failed and approval is refused.

Often there is a good reason — fees withheld, a pending settlement, a custodian quirk. So the block is not a dead end: an admin records the reason, and that explanation is written to the audit log next to the figure it explains. Months later, when someone asks why that quarter looked odd, the answer is already there.

Statement total, as printed 999,999.00

Sum of rows in the file 36,075.00

Difference −963,924.00

Approval Blocked

After acknowledgement Approved, reason logged

Every approval, rejection, acknowledgment and publication is written to an append-only audit log with the user and timestamp attached.

For the family

What the principals see, and nothing more.

Client family members get their own sign-in to a portal that holds exactly one thing: the published reports for the accounts they belong to. No queue, no source files, no other branch of the family.

Only published months appear. A month still being closed is invisible until you decide it's ready.
Access is granted by invitation and can be revoked instantly; Always keeping security as our top priority.

Security

Controls we actually implement.

This is a list of what is built, not a list of aspirations. We are happy to take your IT or compliance advisor through our full controls in detail.

Two-factor sign-in: Administrators can require a texted one-time code on every sign-in, on top of a password.
Invitation-only accounts: There is no public sign-up. Every account is created by an existing administrator, and invite links are time-limited and single-purpose.
Append-only audit log: Sign-ins, approvals, rejections, publications, user changes and data deletions are all recorded with actor and timestamp.

Pricing

Priced per office, after we understand your clients and their needs.

What drives the work is the number of custodians, the formats they export, and how much sits outside a custodian entirely — not a seat count. So we quote after a conversation rather than publishing a number that would be wrong for most offices.

Single

One family

A single family across several custodians and jurisdictions, with family members reading their own reports.

Multi

Multi-family office

Several client families under one administration team, each fully partitioned from the others.

Bespoke

Custodians we haven't met

A new bank format, an unusual asset class, or a deployment that must live in your own environment.

Tell us which banks you hold with and we'll come back with a scope and a number.

Get in touch

Questions

Before you write to us.

Which banks and custodians do you support?

Meridian ships with parsers for a set of banks and brokers we already work with, across CSV, Excel and PDF statements. Adding a new institution is routine work rather than a special project — we build the parser against real exports you send us, and reconciliation testing is part of that. Tell us your list and we'll tell you what is already covered.

Can one family see another family's data?

No. Client accounts are partitioned, and a signed-in family member can only reach accounts they have been explicitly added to. That check runs on the server for every request — it is not a matter of hiding links in the interface.

What happens when a statement doesn't reconcile?

The file is flagged as failed and cannot be approved. An administrator reviews it and either rejects the file or records a written reason for the difference, which is stored in the audit log alongside the figure. There is no path that silently accepts a number that doesn't tie out.

Do you replace our accountants or custodians?

No. Meridian is a reporting layer over the institutions you already use. It doesn't hold assets, execute trades, or file anything. It consolidates what your custodians report and makes it defensible.

Where does the data live?

Each office gets its own deployment and its own database rather than a shared multi-tenant pool. Hosting region can be discussed if you have a jurisdictional requirement. We're glad to answer a security questionnaire before you commit.

How do we start?

Send us a note below with the institutions you hold with. We'll usually ask for a few sample statements — redacted is fine — so we can confirm what parses cleanly before anyone signs anything.

Contact us

Tell us about your office.

Pricing, a walkthrough, a security review, or a question about a bank format we haven't listed — this reaches us directly.

If you're an existing client looking for your reports, sign in here instead.

Your name

Email

Family office or firm

What can we help with?

Message

We use what you send only to reply. No newsletter, no third-party marketing.

Legal

Privacy and terms.

Privacy Policy

Last updated 2026-08-12

Meridian is operated by Work In Progress Creations LLC (“we”, “us”). This policy explains what we collect, why, and what we do with it.

Information you give us directly

If you contact us through this site we receive your name, email address, any organisation you name, and the content of your message. We use it to reply to you and to keep a record of the conversation. We do not sell it, rent it, or use it for third-party marketing.

Information in the product

When your office uses Meridian, the service stores the financial records you put into it — statements, positions, valuations, account details — along with the user accounts of people you invite. That data belongs to your office. We process it to provide the service and for no other purpose. We do not use client financial data to train models or to build products for anyone else.

Cookies

We set one cookie, and only when you sign in: a session cookie that keeps you signed in. It is HTTP-only, same-site, and marked secure in production. We do not run advertising or third-party analytics trackers on this site.

Service providers

We rely on a small number of processors to run the service — hosting infrastructure, transactional email delivery, and SMS delivery for two-factor codes. They handle data only as needed to perform those functions. We'll name them in full on request.

Retention and deletion

We keep enquiry messages for as long as needed to handle the conversation and our own records. Client data is retained for the life of the engagement; on termination we will return or delete it at your instruction. Audit records may be retained where we have a legal reason to keep them.

Your rights

You may ask us what we hold about you, ask us to correct it, or ask us to delete it. Where your office is the controller of client data, we act on that office's instructions. Write to us via the form above and we will respond.

Security

We apply the controls described in the Security section of this page. No system is perfect; if we become aware of a breach affecting your data we will tell you promptly and tell you what we know.

Changes

If we change this policy materially we will update the date above and, for active clients, tell you directly.

Terms of Service

Last updated 2026-08-12

These terms govern use of the Meridian service and this website, both provided by Work In Progress Creations LLC. By using either, you agree to them.

The service

Meridian is reporting software. It consolidates and presents financial information that you and your custodians supply. It does not hold assets, execute transactions, or act as a custodian, broker or bank.

Not financial, tax or legal advice

Nothing produced by the service is advice. Reports are a presentation of data you provide. You are responsible for reviewing and approving figures before relying on them or sending them to anyone — the product is deliberately built to require that approval.

Accounts and access

Accounts are created by invitation. You are responsible for who you invite, for the roles you assign, for removing access when someone leaves, and for keeping credentials confidential. Tell us promptly if you believe an account has been compromised.

Acceptable use

Do not attempt to access data belonging to another office or another user.
Do not probe, scan or test the security of the service without our written agreement.
Do not upload malware, or content you have no right to upload.
Do not resell or white-label the service without our written agreement.

Your data

You keep all rights in the data you put into the service. You grant us only the permission needed to host and process it in order to provide the service. On termination we will return or delete your data at your instruction.

Fees

Fees, billing period and notice are set out in the order or agreement we sign with your office. Where those conflict with these terms, that agreement governs.

Availability

We work to keep the service available and will give reasonable notice of planned maintenance. Unless your agreement includes a specific service level, the service is provided without an uptime guarantee.

Warranties and liability

Except as expressly stated in a signed agreement, the service is provided “as is” without warranties of any kind. To the fullest extent permitted by law, Work In Progress Creations LLC is not liable for indirect, incidental or consequential loss, and our total liability is limited to the fees paid for the service in the twelve months before the claim.

Termination

Either party may terminate as set out in the signed agreement. We may suspend access immediately if use of the service threatens its security or that of other clients.

Changes to these terms

We may update these terms; we will update the date above and give active clients notice of material changes. Continued use after that constitutes acceptance.

Contact

Questions about these terms can be sent through the contact form on this page.