FAQ

Questions, answered plainly.

What GuardKin is, how a family gets access after a death, and what GuardKin does not do. If your question is not here, write to us.

What GuardKin is

The short version, in plain language.

What is GuardKin?

GuardKin is an estate operational readiness platform. It’s the secure place a family records what their executor and loved ones will actually need — accounts, documents, access notes, and personal letters — so that after a death, the people they love aren’t left playing detective. Wealth-management firms offer it to their clients as a premium service. Direct subscriptions for families are planned and are not open yet.

Is this a will, a trust, or legal advice?

No. GuardKin is the operational layer around your will, your trust and your attorney, and does not replace them. Your estate documents say who gets what; GuardKin helps your family find everything, reach the right people, and act, at the moment it matters. We don’t give legal or financial advice.

Why is it called estate “operational readiness”?

Because the hard part for most families is the logistics: which bank, which advisor, where the documents live, how to get into the accounts, who to call first. GuardKin is the readiness for that operational reality, organized while you’re here so it doesn’t fall on them while they’re grieving.

How it works

From building your vault to the moment your family needs it.

How does my family actually get access?

Only after a death, and not quickly. GuardKin’s servers check each step, in this order.

  1. Someone reports the death, and the death certificate has to be on file.
  2. A member of GuardKin staff checks who the report is about.
  3. Your advisor of record signs off.
  4. An administrator at the advisor’s firm signs off. One person cannot sign off in two roles.
  5. GuardKin staff give final approval.
  6. Nothing opens for 72 hours. If the report is wrong and you are alive, you can cancel it before the time is up.
  7. The executor signs in to their own GuardKin, writes that they accept the role, and opens only the records you chose to release.

No setting and no sign-off shortens the 72 hours. A handover opens for a death only. The report, each sign-off, the approval and any cancellation are written to a signed audit record. Each entry is chained to the one before it, so a change shows.

GuardKin does not send the executor a message. Tell them now that you named them.

Do I have to go through a wealth manager to use it?

Today, yes. Most people arrive because their advisor recommended it and the firm covers the license. Direct subscriptions are not open yet. You can ask about them on the contact page.

What do I put in the vault?

The things your family would otherwise have to reconstruct: a map of accounts and institutions, key documents and where the originals live, access and contact notes, and personal letters your executor can open if you release them. You decide what goes in; nothing is required, and you can update it anytime.

What does my advisor see?

Only what you consent to, and only planning metadata: the shape of the estate, readiness gaps, and document status. Vault content is not part of the advisor view. If you choose to share specific net-worth figures with your advisor, they can see those, and you can stop sharing.

What GuardKin does not do

The limits, stated plainly, with what to do about each one.

GuardKin cannot reset your Master Password or your Secret Key.

Your records are locked with both, and GuardKin never holds either. If you forget your Master Password, your Secret Key and three of your five recovery cards get you back in. If you lose your Secret Key, GuardKin cannot give it back, and the app’s recovery asks you for it. The cards are not a copy of it: they are your key itself, split five ways, so any three open your records for whoever also holds a copy of the stored data.

What to do: Save the Secret Key when it is made. Recovery is optional, so set it up.

GuardKin does not send your executor a message.

No message goes to your executor when a handover opens. Your executor needs their own GuardKin, with their own Master Password and their own Secret Key. Without those they cannot pick anything up.

What to do: Tell your executor now that you named them, and where to look.

A handover opens for a death only.

If you become unable to act, GuardKin cannot accept a doctor’s letter and open a handover for your executor. The Handover page marks incapacity “Not yet available”. A power of attorney is the legal arrangement for that situation. GuardKin can record that you have one and where it is kept.

What to do: Ask your attorney about a power of attorney.

A copy kept in GuardKin has no legal authority.

GuardKin stores a record of your will, trust or power of attorney, and where the original is. A will kept here can be found. Whether it is valid, and who acts on it, is decided under the law, not by GuardKin. Naming someone in a record here does not appoint them.

What to do: Record where the original is kept.

A handover cannot open without an advisor of record.

A death report needs the advisor of record and their firm to sign off. If an owner has no advisor of record, the report cannot be approved and nothing opens.

What to do: Ask your advisor to confirm they are your advisor of record.

Security & privacy

The part we hold ourselves to architecturally.

If GuardKin’s database is breached or a backup leaks, can the thief read my records?

A stolen database, a leaked backup or a court order for our servers yields your records only as locked bytes, and nothing GuardKin holds unlocks them. The keys are yours, and three of your five recovery cards rebuild them.

The cards are a deliberate exception: an owner who loses everything still needs a way back. Three card holders alone cannot read your records, because GuardKin gives them none of your data. Three card holders and a copy of the stored data, such as a database dump or a backup, can read all of them. Choose the five with that in mind.

What does “encrypted in the browser” mean here?

Saved vault content — your accounts, documents, access notes, and letters — is encrypted in your browser before it is stored, so GuardKin’s servers store ciphertext for it. Other information is handled differently: your account identity, billing, and audit metadata; optional bank import, which handles readable account data temporarily; and any net-worth figures you choose to share with an advisor. See the Privacy page for exactly what is and isn’t encrypted.

Where can I see the technical detail and your compliance status?

On the Trust Center and Security pages. They cover the encryption design, the status of our SOC 2 preparation (in preparation; GuardKin holds no SOC 2 report today), the planned independent cryptography review (no reviewer engaged yet), subprocessors, data residency, and our security questionnaire for infosec teams. We publish current status and list no certification GuardKin does not hold.

For firms vs. for individuals

Two ways in, the same product underneath.

We’re a wealth-management firm — how does this fit our practice?

GuardKin is a white-glove offering you extend to your high-net-worth clients. The relationship stays yours; we’re the infrastructure behind it. It deepens trust at the moment that matters most, when a client dies and the wealth transfer begins, and gives the next generation a reason to stay with you. See the For Firms page for implementation, SLAs, and pilot terms.

I’m an individual or a family — can I just use it myself?

Not yet. Direct subscriptions are not open. Most people use GuardKin through their wealth manager. See the For Clients and For Executors & Families pages. You can ask about direct signups on the contact page.

Pricing & billing

What it costs, and who never pays.

How much does it cost?

For firms, it’s one flat rate — $1,500 per advisor, per year, billed annually, with unlimited clients per advisor. See the Pricing page. For individuals, direct plans are coming with the launch of direct signups, which are not open yet. If your firm provides GuardKin, your access is covered by them.

What is always free?

The executor and family experience itself is free for the people receiving it. They should never hit a paywall while grieving.

Getting started

Where things stand today.

Is it available today?

GuardKin is pre-general-availability and launching with a pilot cohort of wealth-management firms in late 2026. You can book a walkthrough or start a pilot conversation now; direct signups are not open yet.

What if I want an advisor to no longer have access, or I leave my firm?

You can revoke an advisor’s access yourself, from your account. If you leave your firm, ask us what happens to your vault before you rely on it; that arrangement is not described on this site yet.

Still have a question?

Ask us directly. A firm reviewing GuardKin will find the security questionnaire and the subprocessor register in the Trust Center.

FAQ: estate readiness and executor access · GuardKin