One-off payment for the will. Optional annual maintenance — skip it if you'd rather. Every tier includes the full panel of specialists; the tier determines what you're writing, not who you get access to.
Your will is one part of being properly prepared. As FutureGuard rolls out — probate via SettleWise, ongoing trustee administration via Ingenious Trust Services, financial planning via AI IFA, digital legacy via DigitalSafe — your panel is already there for each domain. You only pay for what you actually need, when you need it. No bundling, no pre-paying for things that may never apply. Your details stay with you so when each launches, you're first to know.
When the time comes, your executor needs probate to access estate assets — sometimes. Not always. SettleWise handles it from £900 (Grant Only) to £4,500+ (Full Estate Administration), paid by the estate at the time, not pre-paid by you now.
Disabled Person's Trust, Bereaved Minor's Trust, IPDI for spouse, discretionary trust for grandchildren. Caspian drafts the trust into your will; Ingenious Trust Services administers it ongoing — trust accounts, distributions, HMRC filings, beneficiary liaison for as long as it runs.
Life policies not in trust can be taxed at 40% IHT. Pension nominations override your will. AI IFA reviews your cover and arranges trust placement — usually free with the original insurer. Regulated advice is delivered by FCA-authorised partner advisers via the AI IFA introducer model.
Crypto wallets, password managers, online accounts, domains, intellectual property. DigitalSafe gives your executor a structured, secure handover so digital assets don't disappear.
All FutureGuard brands. One Financial DNA, one panel — your details stay with you so as each launches we already know what you need.
Yes — provided it's signed and witnessed correctly, which we walk you through. A will is legally valid in England & Wales under the Wills Act 1837 if it's in writing, signed by you, and witnessed by two adults who aren't beneficiaries. Our clauses come from a solicitor-curated library; we're not generating legal text from scratch.
Will writing isn't a reserved legal activity in England & Wales — anyone can do it. We choose to operate to solicitor-grade standards anyway: curated clauses, annual review, clear handoff to our SRA-regulated partner firm when reserved activities (probate, contested estates) come up.
Yes — any time, from any device. You don't pay until you're ready to sign. Your Financial DNA is saved from your first answer onward. If you abandon the process and come back weeks later, you pick up where you left off.
Our panel will tell you — explicitly. When a contested probate risk, multi-jurisdiction estate, or very large estate is involved, Caspian flags it and hands you to our SRA-regulated partner firm. You'll see the firm's name, their SRA number, and the fee before anything is confirmed. No hidden referral commissions.
Your Financial DNA transitions to your estate under a defined regime: your executors (named by you) get access to what they need to administer your estate. Beneficiaries see what concerns them, nothing more. Everything is auditable. You can export or delete your record at any time while you're alive, subject to regulatory retention rules which are disclosed.
Pick the tier that fits — you can change your mind at any point, including after you've started. Nothing charges until you're ready to sign.