## Adding accounts and positions
Use **Add position** on the Portfolio page to enter your accounts and holdings—checking and savings balances, brokerage and retirement accounts, a house, loans, or credit balances. Each line has a **kind** (asset or liability) and an **amount basis**: a *balance* line contributes to net worth, while a *cash-flow* line models recurring income or spending.
## Can I link my bank automatically?
Automatic bank and brokerage linking is **not currently available** in Analyzer. All balances are entered manually with **Add position** and stay at the value you set until you edit them. Manual entry still powers every feature—net worth, wellness scores, and planning projections.
## How net worth is calculated
**Net worth** equals total assets minus total liabilities, summed from your balance-basis position lines. Credit cards and loans count as liabilities; cash, investment, and property lines count as assets. Cash-flow lines do not change net worth—they affect projections instead.
## Account types
Positions carry a type such as **depository** (checking, savings), **investment** (brokerage, IRA, 401(k)), **credit**, or **loan**. The type determines whether a balance is treated as an asset or a liability and how planning engines tax withdrawals from it.
## Keeping balances current
Manual positions keep the value you entered until you edit them. If a projection or wellness score looks stale, update the position values on the Portfolio page—scores and projections recompute from the new balances.
The assistant can prepare an absolute amount update for one manual USD balance position. It first shows a Baseline confirmation card; nothing is changed until you review it and click **Apply**. Linked institution balances are read-only in chat and must be refreshed through their connection.
## Removing a position
Open a position from the Portfolio list to edit or delete it. Removing a line immediately changes net worth and any score or projection that reads from it.
## Asset location optimizer
The **asset location optimizer** (Wealth Explorer → Scenario Optimizer) recommends where equities, fixed income, and REITs should sit across taxable, tax-deferred, and Roth accounts. **Rules only** estimates annual tax drag quickly; **Tax-aware** ranks placements by projected terminal wealth. Applying a plan saves it on the scenario fork; clearing removes it. Results are illustrative placement guidance, not investment advice.
Educational content only—not personalized investment, tax, or legal advice.