Silvia Vault: Your Complete Financial Profile Stored in One Place

Your financial life does not live in one system. Account balances change every day, while tax forms, brokerage statements, receipts, contracts, and property records often sit in downloads, inboxes, and camera rolls.

That separation creates a practical problem. A connected account can show what is happening now, but it may not explain the terms, cost basis, coverage, or historical details recorded in a document. A document may contain the answer, but only if you can find it and bring it into the analysis.

Silvia Vault brings those records into one organized workspace. It stores financial documents, makes them available to Silvia when you ask questions, and keeps generated work close to the source material that informed it.

What Is Silvia Vault?

Silvia Vault is a secure document workspace for the records behind your financial life. You can use it for account statements, tax documents, receipts, contracts, spreadsheets, scans, and supported image files.

The value is not storage alone. A document in Vault can become context for Ask Silvia. Instead of reopening a statement and searching page by page, you can ask Silvia to locate a figure, summarize a section, compare information across documents, or use a document alongside available account data.

For example, you might ask Silvia to:

• Find a fee, distribution, or cost-basis figure in a brokerage statement.
• Summarize the terms in an insurance policy or financial contract.
• Compare figures across statements from different periods.
• Review a tax document and identify items that deserve closer attention.
• Use a document together with data from your connected accounts or portfolio when answering a question.

Vault does not automatically certify that every figure is correct or that every document matches an account. It gives Silvia access to the records you choose so the analysis can begin with more relevant evidence. You should still verify important figures and review material tax, legal, investment, or credit decisions with the appropriate qualified professional.

Three Ways to Add Documents to Silvia Vault

Upload directly to Vault

Open Silvia Vault, choose the collection where the documents belong, and use the upload area. On desktop, you can select files or drag them into the upload area. Mobile and tablet layouts provide the same upload workflow through the Vault controls.

Direct upload is the clearest option when you are organizing a batch of statements, tax records, or property documents at once. Files are encrypted in transit and at rest. You can read more about the product's safeguards in Silvia's security information.

Send documents by email

You can attach or forward documents to silvia@cfosilvia.com. Supported attachments sent through Silvia's email workflow are stored in the email-attachments system collection in Vault.

This is useful when a statement or receipt already arrives by email. Rather than downloading it and uploading it again, forward the message to Silvia. Before automating recurring forwarding, confirm that the source email contains only documents you are comfortable storing in Vault.

Attach a file in Ask Silvia

For a one-time question, attach a file directly in Ask Silvia. This works well for prompts such as, “What is the expense ratio shown in this fund document?” or “Summarize the exclusions in this policy.”

Chat attachments have a combined raw-file limit of 20 MB per message. For larger documents, repeated analysis, or a collection of related files, upload the material to Vault and choose it from the Vault picker in chat. That avoids attaching the same source again whenever you return to the question.

Vault File Limits and Supported Formats

Vault supports files up to 5 GB each. The current upload flow accepts multiple files and processes them individually. Because product and browser conditions can affect a large batch, split very large uploads into manageable groups and confirm that each file finishes processing.

HEIC and HEIF support is especially useful on mobile because many phones save photos in those formats by default. A receipt or paper form can therefore be added without a separate conversion step.

How to Organize Silvia Vault

A document library becomes more useful when its structure reflects the questions you ask. Vault uses collections to group related records. You can create a collection, move selected documents into it, or drag a document onto a collection card.

Useful collection structures include:

• By year: 2026 Tax Documents, 2026 Brokerage Statements, or 2026 Insurance.
• By account: Taxable Brokerage, 401(k), HSA, or Joint Checking.
• By asset or project: Florida Rental Property, Private Investment, or Home Renovation.
• By household member: Shared records separated from individual tax or employment documents.

Choose names that will still make sense a year from now. “2026 Tax Documents” is easier to search and reuse than “Important Files.” When a record could fit in several places, organize it around the decision you are most likely to revisit.

What Is Silvia's Work?

For paid subscribers, Vault includes a virtual collection called Silvia's Work. It surfaces files Silvia generated through supported workflows, such as reports, spreadsheets, charts, models, PDFs, or other available artifact formats.

The collection is designed to make generated work easier to trace and reuse:

• Files appear without a separate download-and-upload step.
• An item can link back to the Ask Silvia conversation or Silvia Radar session that produced it.
• Supported outputs created through chat, Radar, or text-message workflows can appear in the same collection.

Generated files are distinct from documents you upload yourself. User-supplied records remain in Vault collections, while Silvia-generated artifacts appear in Silvia's Work. Keeping the two paths visible helps you distinguish source material from an analysis or output based on it.

Practical Ways to Use Vault

Extract and verify a specific figure

When you know a fact is in a document but not where, ask a narrow question. Name the file, period, and figure you need. For example: “In my December brokerage statement, what advisory fee was charged, and which page shows it?”

The page reference matters. It gives you a direct way to confirm that the answer matches the document instead of relying on a summary alone.

Compare periods and spot changes

Upload statements from two periods and ask Silvia to compare the same line items. This can help you identify a fee change, a different insurance deductible, a new recurring charge, or a shift in reported income.

Keep the comparison precise. Define the periods, accounts, and fields that matter. A focused comparison is easier to verify than a broad request to “find anything unusual.”

Prepare for a tax conversation

Vault can help you collect W-2s, 1099s, K-1s, receipts, and supporting statements in one place. You can ask Silvia to summarize the documents received, list potentially missing categories, or identify figures to discuss with a tax professional.

This is preparation, not tax filing or professional review. Forms can be corrected, duplicated, superseded, or subject to rules that depend on facts outside the document. Confirm final amounts against official records and qualified advice.

Bring documents into a broader financial decision

A statement or contract often answers only part of a financial question. The rest may depend on balances, cash flow, liquidity, taxes, debt, or goals. When the necessary data is available, use Vault with Transactions, your portfolio, and Goals to frame the decision in a wider household context.

For example, a policy document may show the cost and coverage of an insurance product, while connected financial data helps you evaluate how the premium affects cash flow. A brokerage statement may show fees and holdings, while a portfolio view helps you understand concentration across accounts.

A Simple First Session in Silvia Vault

1. Choose one financial area. Start with one brokerage account, one tax year, or one property rather than your entire history.
2. Gather the source files. Extract any archives and check that filenames identify the account and period.
3. Create a collection. Use a durable name such as “2026 Brokerage Statements.”
4. Upload the files. Add the documents to Vault and confirm that processing completes.
5. Ask a verifiable question. Request a specific figure, comparison, or summary and ask where the information appears.
6. Review the answer against the source. Correct missing context before using the result in a decision.
7. Add a repeatable workflow. Forward future statements by email or use Radar when ongoing monitoring would be useful.

Put Your Documents to Work

Your statements and records should be more than an archive opened once a year. Silvia Vault gives those documents a consistent home and makes them available when you need to investigate a financial question.

Start with one collection and one question. A smaller, well-organized set of verified documents is more useful than a large folder you cannot navigate.

For a broader way to connect accounts, assets, liabilities, and goals, read Build a Financial System That Sees the Whole Picture.

Educational information only. Silvia does not provide individualized investment, tax, legal, credit, or financial advice. Verify important information and consult an appropriately qualified professional before making a material decision.