When life changes, everything is already in place.
One account for everything that follows.
The first agentic platform for later-life planning. A panel of specialist AI experts that knows your family, your faith, your finances and your wishes — and reasons about decisions across all of them.
FutureGuard brings your will, trust, funeral plans, probate and memorials together — so your family isn't left guessing, searching, or struggling to cope.
Twelve specialists coordinate on your specific situation — consulting one another, debating where they disagree, presenting trade-offs in plain English.
A 42-year-old British Pakistani widow with three children, a small business and no will is not a decision tree.
Every online will, funeral marketplace and IHT calculator currently in the UK market does the same thing: branches a form on a handful of variables and collapses everything else into a common-law Christian middle-England default.
That works adequately for perhaps 30% of users — those whose lives sit inside the form designer's assumptions. For everyone else, the result ranges from mildly inappropriate to actively harmful.
Later-life decisions branch on dozens of variables — faith, family structure, citizenship, business interests, dependents, capacity, prior structures — and the meaningful decisions live in the interactions between them. No form can capture that. The only honest architecture is one in which the system reasons about each specific person's specific situation.
of users that form-based products serve adequately.
specialist AI agents on the FutureGuard panel.
Twelve specialists. One coordinated team that thinks across all of them.
Each agent is a domain expert. Together, coordinated by the orchestration layer, they reason about your specific situation — consulting one another, debating where they disagree, and presenting trade-offs in plain English. Where regulation requires it, they hand you to the right qualified human, with full context already in their hands.
Owns your Financial DNA. Asks questions in the right order, never re-asks, knows when something material has changed.
Christian, Islamic, Jewish, Hindu, Sikh, Buddhist, Humanist — and the cultural variation that isn't strictly religious.
UK estate law across all three jurisdictions. Knows what's in its competence and when to escalate to a solicitor.
IHT, CGT, trust tax, the new BPR/APR cap, the new pension IHT rules. Calculations done by tools, not by guessing.
Bare, discretionary, BMT, DGT, disabled person's trust. Knows when investable assets should flow to a regulated manager.
DB, DC, SIPP, drawdown, pension freedoms, bypass trusts. Spots when regulated advice is needed and prepares the handoff.
Care funding, NHS continuing healthcare, deprivation of assets, mental capacity, attorney duties.
The compliance gate. Knows where the line is between guidance and reserved or regulated activity. Enforces every handoff.
Faith-aware. Honest about direct cremation. Repatriation, green burial, woodland burial. CMA-compliant pricing.
The first 48 hours. Tell Us Once. Death certificate. Releasing funds for the funeral. Routing crisis signals to a human.
The hardest one and the most important. Blended families, estranged children, unmarried partners, contested probate flags.
Crypto, social media, domains, IP, password managers, subscriptions. Schedules an executor can actually action.
The conductor. Decides which specialists to consult, in what order, and how to synthesise their output for you.
Five specialist brands. The panel is what's behind all of them.
Each brand is a way of meeting you where you are — the will you're writing today, the trust your children will inherit, the financial plan that funds the next thirty years. Behind every brand: the same panel, the same Financial DNA, the same continuous picture of you.
A panel of specialists writes your will as a conversation. Solicitor-reviewed before signing. Stored safely. From £79.
Trusts done well — drafted, registered with HMRC, administered for as long as they need to be. The serious end of estate planning.
Specialist financial planning that knows your whole picture — pensions, IHT exposure, life cover gaps. Routed to FCA-authorised advisers when advice is needed.
Passwords, accounts, photos, crypto — the things only you know. Encrypted vault that opens to the right people at the right moment.
Twelve to eighteen months of work an executor would otherwise do alone — banks, HMRC, the Probate Registry, distribution. Done properly, on a fair fee.
Eight commitments that filter every decision we make.
These aren't aspirations. They are filters. Any feature, module or partnership that fails one of them is either redesigned or removed.
One trusted relationship, many services.
You experience one FutureGuard, not five brands. Behind the scenes the panel is the same; the case manager is the same; the data is the same.
Built for decades, not quarters.
This is a 40-year customer relationship, not a 20-minute transaction. The will you write at 35 informs the trust your grandchild receives at 65.
Operationally accountable, not marketplace-only.
Real services behind every promise. SRA-regulated drafting, FCA-authorised plans, qualified solicitors on probate — not a referral and a thank you.
Emotionally intelligent by design.
Grief-aware. Vulnerability-aware. Never a dark pattern. The system recognises distress signals and routes them to a human.
Regulation as a moat, not overhead.
FCA, SRA, HMRC, ICO — visible and proactively managed. The compliance posture is part of the product, not a tax on it.
AI-amplified, human-anchored.
Agents do the cognitive load. Humans handle the moments that matter. You always know which one you're talking to.
Data sovereignty baked in.
Your Financial DNA is genuinely yours. Portable, exportable, estate-transferable. We hold it for you; we don't own it.
Designed to be referred by professionals.
Built so that IFAs, accountants and care managers can confidently refer clients to us — without worrying about what their clients will find.
“I've got a WillWise will and an Ingenious trust. My FutureGuard hub administers all of it for me. When my pension review was due, AI IFA already had the picture.”
— The kind of sentence we want our customers to be able to say.
Built so that IFAs and accountants can confidently refer clients.
Your reputation rides on every referral you make. The professional partners we work with refer to FutureGuard because the engineering, the compliance posture, and the operational discipline are all things they can stand behind in front of their own clients.
Bring later-life planning to your clients.
Your clients trust you with their wealth. They also need wills, trusts, care planning and funeral cover — usually outside your direct remit. Add ours to your offering and keep the relationship.
Become a referral partner →The wrap-around for everything you can't do alone.
You see the whole financial picture. The new IHT rules on pensions, the BPR/APR cap, the post-non-dom changes — clients need somewhere honest to be sent for the planning that surrounds your work. We're built to be that place.
Speak to our partners team →