CarryOn™ Partner Brief

The people who matter, the plan you leave them, and the audit trail of every change along the way. Functions inside this pillar: Beneficiaries (name who matters and set what each person sees), Milestone Messages (MM — video, audio, or written messages delivered at specific future moments), Friends & Family Notification (FFN — coordinated, dignified notification list), Designated Trustee Services (DTS — lets an advisor act on behalf of the benefactor with a full audit trail), and Estate Plan Timeline (EPT — a living record of every edit, who made it, and when).

Every document and credential the family will actually need — encrypted, organized, and surfaced by an AI that finds what was missed. Functions inside this pillar: Secure Document Vault (SDV — AES-256 per-estate encrypted vault with Triple-Lock, released only to the people the benefactor names), Digital Access Vault (DAV — banking, brokerage, email, social, password-manager seeds, crypto wallet keys, assigned to specific beneficiaries), and Estate Guardian™ AI (EGA — an AI estate-law analyst that reads inside the encrypted vault and flags gaps, contradictions, and filing deadlines, then seeds the family's Immediate Action Checklist). No human team reads the documents.

The complete money picture and a visual map of every entity and structure that holds it together. Functions inside this pillar: CarryOn Financial Picture (CFP — a complete, encrypted view of bank accounts, investments, insurance policies, bills, debts, and properties, with the right contact attached to each entry), and CarryOn Entities & Structures (CES — a visual, pan-and-zoom org chart of every trust, LLC, S-corp, C-corp, partnership, charitable entity, real property, and the beneficiaries and external advisors connected to each). CFP shows what's there; CES shows how it's wired.

The playbook the family follows on the hardest days — step-by-step actions, pre-built response plans, and a private channel to coordinate. Functions inside this pillar: Immediate Action Checklist (IAC — a step-by-step playbook for the first hours, days, and weeks, partially auto-built from the vault by EGA, fully customizable), CarryOn Contingency Protocols (CCP — pre-authored response plans for medical emergencies, natural disasters, incapacity, or transition, with people, documents, checklists, and communication channels pre-wired), and Estate Communications Tool (ECT — phone-number-free family messaging that works from any device, so coordination keeps working when nothing else does).

Estate Binder

One combined PDF assembled live from the family's vault: Title page + TOC + the QuickStart Guide + IAC + every other section the benefactor has built. The family receives a single book to hand to an attorney, executor, or CPA — not a scavenger hunt across email and file cabinets. Regenerable any time the underlying data changes; partners can include it in their own deliverable packet.

Trustee Mode

A designated trustee (attorney, advisor, executor, or trusted family member) can step into the benefactor's account with a full audit trail — every change is logged, every mutation is undoable, and a session banner makes the role explicit. Big for attorney + financial-advisor verticals where the professional wants to help the client maintain the platform without ever 'becoming' them.

Offline-first PWA

Installable on iOS and Android as a real Progressive Web App. Documents, checklists, and pending changes sync via Dexie when the device comes back online — so a beneficiary in a FEMA trailer, a library, or a hospital waiting room can still use the platform when they need it most.

White-label partner experiences

Partner-branded sign-up flows with partner code support, brand override per tenant (logo, palette, footer copy), and partner-specific intro packets. The family experience stays familiar; the partner gets to be the brand the client sees.

Permission-aware AI (xAI Grok)

All AI work — Estate Guardian, the Beneficiary Concierge, the QuickStart Wizard — runs on xAI Grok, with strict per-document permission scoping. The model only sees what the benefactor explicitly released. No human team reads the documents; no cross-account training; no third-party LLM key on the founder's AI surfaces.

A. Life Insurance Agents / Brokers

• Higher policy retention — clients are less likely to cancel when they feel "set up."
• Better claims experience — beneficiaries know the policy exists, can find it, and can act on it without a 6-month battle.
• Standing out in a crowded market — they want to be the agent who also helped the family get organized.
• Peace of mind on compliance: nothing in CarryOn changes or replaces the policy itself.

QuickStart (state-aware checklist the policy maps into on Day 1), SDV (where the policy lives), EGA (analyzes the benefactor's estate plan for gaps so the policy is properly named in the right documents), FFN (the agent gets notified when something happens), IAC (claims-filing step lives in the checklist), CFP (the policy shows up in the household financial picture), Estate Binder (the printable packet the family hands to the claims processor), BEC (after the benefactor passes, beneficiaries can ask the AI Concierge “where is the policy?” and get a cited answer pulled from the documents the benefactor released to them).

1. Are you looking for a tool to offer to the clients you already have, or a way to get referrals and earn on new clients you bring in?
2. Roughly how many policies do you have under management?
3. Do you currently offer any kind of "family preparedness" or "legacy" service to clients today, even informally?
4. Are you part of a larger agency / IMO / FMO, or independent?

Disqualify gently if: They're really looking for a CRM, a quoting engine, or a lead-generation service. We're not those.

B. Financial Planners / Wealth Advisors / RIAs

• Estate-planning gap: clients have wealth but no organized "when something happens" plan for the family.
• Standing out from other advisors: wealthy clients more and more expect a complete family-readiness plan, not just money advice.
• Keeping the family relationship: when the primary client passes, the surviving spouse often leaves the advisor within 2 years. CarryOn keeps the family inside an organized hand-off.
• Peace of mind for compliance: CarryOn doesn't give financial advice — it just organizes what the advisor and client have already decided.

QuickStart (the conversation-starter the advisor reviews with the client), CFP (full household picture), CES (the visual entity-and-structure chart for trust + LLC clients), SDV (estate documents in one place), EGA (an estate-law AI that spots gaps and gives the advisor a clean punch-list), MM (the personal-legacy piece advisors can't deliver themselves), CCP (plans for accident or incapacity), DAV (the digital-access gap most advisors quietly worry about), Trustee Mode (advisor-assisted maintenance with audit trail), BEC (after transition the heirs get cited answers — keeps the family from feeling lost on day one).

1. What does your current family hand-off look like today when a client passes or becomes incapacitated?
2. Are you AUM-based, fee-only, hybrid? (Just for context — affects how a partnership would feel for them.)
3. Roughly how many client households, and what's the typical age range of the primary client?
4. Do you work inside a broker-dealer / RIA umbrella, or independently?
5. Have you had a client family go through a death or major life event in the last 18 months? (If yes, gently ask what that hand-off looked like.)

C. Funeral Homes / Cemetery Operators / Pre-Need Planners

• Pre-need conversion: families who plan ahead spend more, dispute less, and refer more.
• After-care: the grieving family doesn't just need a service — they need help with the next 90 days.
• Standing out from the big corporate chains — independents need a digital story.
• Their families are often older and not comfortable with new tech — they need something a 70-year-old will actually use.

QuickStart (the gentle Day-1 on-ramp for pre-need clients), IAC (the "first 30 days after death" page), FFN (notifying the right people, in the right order, in the family's voice), MM (the legacy piece — funeral homes are more and more being asked for video tribute services), SDV (death certificate, obituary draft, service plan), Estate Binder (the printable book the family leaves the funeral home with), BEC (the AI Concierge gives the grieving family answers from the benefactor's actual documents — exactly what funeral homes wish they could give every family but can't deliver themselves).

1. Do you offer pre-need / pre-arrangement today, and what does that intake look like?
2. Are you independent, part of a regional chain, or part of a bigger company?
3. Do you have an after-care program — six-month follow-ups, grief resources?
4. Roughly how many services per year? (Sizing question — DON'T quote pricing.)
5. Are you thinking about offering this to families at intake, including it in pre-need, or just referring to it as an after-care partner?

D. Estate Planning Attorneys / Trust & Estate Firms

• Their work product (the will, the trust, the POA) sits in a drawer until the day it's needed — and on that day, the family can't find it, doesn't understand it, and calls the attorney in a panic.
• Getting the documents to the family and explaining them is the slowest part of their job — they want the document actually used right, not just filed away.
• Legal-risk comfort: nothing the family does inside CarryOn replaces or contradicts the actual legal document.
• They want to look modern to younger clients without having to learn new software themselves.

QuickStart (clients show up to the first meeting already prepared with a state-aware checklist — the prepared client every attorney wishes they got), SDV (their documents live there, locked and released correctly), EGA (an estate-law AI that flags gaps and contradictions in the client's plan — gives the attorney a clean punch-list), CES (the visual structure chart for trust + LLC clients — the diagram that takes the lawyer 20 minutes to draw on a whiteboard), IAC (the action checklist their POA / executor will actually use), DAV (the digital-account access the will references but the family can never find), CCP (separate plans for incapacity vs death), Trustee Mode (firm-assisted plan maintenance with a full audit trail — never "becoming" the client), Estate Binder (a single book the attorney's family gets at execution), BEC (after death the heirs can ask the AI Concierge plain-English questions grounded in the attorney's own drafted documents — fewer panicked calls back to the firm).

1. How does your firm currently hand the signed plan off to the client family today — paper copy, secure portal, document vault?
2. Do you offer plan-review or update services after the will is signed, or is it mostly one-time per client?
3. Roughly how many active client families, and how many new plans per year?
4. Are you a solo / small specialty firm, or part of a larger Trust & Estate practice?
5. Do you already use a document portal vendor (Trust & Will, Wealth.com, Vanilla, EncoreEstate)? (Asking because that affects how a partnership would feel — NOT to compare features.)

Employee-benefits brokers / HR-tech

Selling CarryOn as a workplace benefit. The QuickStart Wizard is the Day-1 on-ramp every employee sees — 2 minutes, no jargon, a printable guide they can act on the same week. Then the full four pillars + Estate Binder become the family-preparedness piece on top of the usual financial-wellness stack. Screen on plan-sponsor count, age skew, current EAP / financial-wellness offering.

Hospice / palliative care providers

CarryOn is free for every American in hospice care — so this is a referral / awareness partnership, not a paid one. Pillars: IAC, MM, SDV, FFN, CCP, plus Estate Binder so the family leaves hospice with a single book. Screen on patient volume + service area.

Religious communities / clergy

Same family-preparedness pitch, often paired with a "blessing the plan" intake. Pillars: MM (legacy messages), FFN (community notification), IAC. Screen on congregation size + member-benefit vs referral.

Military / veteran service organizations

CarryOn has Military and Veteran tier discounts. Pillars: all four + Estate Binder + Trustee Mode (for spouse-assisted account management during deployment), presented as "leave nothing for your family to figure out." Screen on org type, member count, and how often members deploy if active-duty.

Senior-living operators / CCRCs

Resident move-in and family-coordination angle. Pillars: all four + QuickStart at intake + Estate Binder as the resident-and-family deliverable. Screen on resident count, independent vs assisted vs memory-care mix.