Investment Opportunity — FutureGuard Ltd is raising £8M in total, with a £1M pre-seed round now open across four investment routes Register Your Interest →
£8M Raise — Pre-Seed Round Now Open

The UK’s first integrated later-life & wealth planning platform

11 specialist brands connected by a single AI engine. Serving families across wills, funerals, probate, trusts, IHT planning, financial advice, care and digital legacy.

View Investment → Explore Our Brands
11Brands
7Live Platforms
£198MYr 5 Revenue
59%Yr 5 EBITDA
Multi-generational family enjoying time together
600K+UK Deaths/yr
£7.5bnIHT Annually
£15bn+TAM
Professional consultation
Team collaboration
Technology platform
Why FutureGuard Exists

Every year, 600,000 people die in the UK. Their families face 40+ administrative tasks across a dozen disconnected professionals.

Funeral directors don’t talk to solicitors. Solicitors don’t talk to financial advisers. Nobody talks to care providers. The industry is fragmented by design. FutureGuard connects all of it — with AI that makes expert-level planning accessible to every family.

See the Numbers →
The Problem

Nobody connects the full picture

When someone dies, the surviving family must deal with funeral arrangements, locate the will, apply for probate, calculate IHT, manage pensions, close bank accounts, arrange care for dependants, and handle digital accounts. That’s 40+ tasks across 12+ professionals, all while grieving.

Competitors serve one vertical. Farewill does wills. Dignity does funerals. Carehome.co.uk does care. FutureGuard connects all of them through 11 brands, a shared AI engine, and one customer identity.

Professional woman working on digital platform
The Opportunity

A market defined by certainty

Death is the one market with guaranteed, growing demand. Demographic shifts, regulatory change and frozen IHT thresholds are creating an unprecedented opportunity.

£2bn+
UK Funeral Market
Average funeral £4,141. Rising 3–5% annually. FCA regulation consolidating the sector.
£7.5bn
IHT Receipts 2024/25
Frozen thresholds since 2009. 1 in 15 estates now pays IHT — up from 1 in 30 a decade ago.
700K+
Deaths by 2040
Every death creates demand across funerals, probate, wills, trusts, care and financial planning.
£100bn+
Annual Wealth Transfer
The largest intergenerational wealth transfer in UK history. Families need planning tools.

The problem nobody has solved

When someone dies, their family must coordinate funeral directors, solicitors, financial advisers, care providers, banks, HMRC and registrars. There are 40+ administrative tasks in the first 6 months.

Each professional serves their silo. The family is left to coordinate everything while grieving.

FutureGuard is the first platform to connect all of these services through a single ecosystem with shared customer data and intelligent cross-referral.

Why technology wins now

Regulatory change. FCA regulation of funeral plans and SRA liberalisation are creating demand for compliant digital platforms.

AI capability. LLMs now handle complex estate planning, IHT calculations and trust structuring. FutureGuard delivers personalised advice at 1/10th the cost.

Consumer expectation. Death and estate planning is the last major life event without a comprehensive digital solution.

Total addressable market across funerals, wills, probate, trusts, IHT planning, care and digital legacy exceeds £15 billion annually in the UK.
Business strategy session
Financial planning documents
Our Ecosystem

11 brands. One platform. Every later-life need.

Each brand works independently with its own market, customers and revenue model. Together they create a data flywheel and cross-referral network no single-vertical competitor can match. Click any live brand to visit its site.

Digital platform ecosystem
AfterLifeLive
AI funeral comparison marketplace and bereavement concierge. Price transparency, personalised guidance, 21 service categories.
Revenue: Marketplace fees + affiliate commissions
Visit site
WillWise AILive
Online will-writing, LPAs and estate planning. AI-assisted documents from £49. The entry point that feeds the entire ecosystem.
Revenue: Per-document fees (£49–£499) + subscriptions
Visit site
SettleWiseExpanded
AI estate law practice: probate, trusts, LPAs, FICs, disputes. Technology-powered, SRA-regulated delivery.
Revenue: Fixed-fee legal services via SRA partner
Visit site
AI IFA PlatformLive
AI financial planning engine with white-label capability. 9 specialist agents covering tax, pensions, investments, protection, IHT, care.
Revenue: Platform licensing + per-plan + white-label SaaS
Visit site
CareWiseLive
Care home search, advocacy and funding guidance. Postcode search, CQC ratings, cost calculators and funding pathways.
Revenue: Referral fees + financial commissions via partners
Visit site
The OnlyLive
Pre-paid funeral plan comparison. Transparent pricing from FCA-authorised providers with interactive cost calculators.
Revenue: Affiliate commissions from FCA providers
Visit site
Ingenious TrusteesLive
Trust education portal. IHT planning, Business Relief investments and trust administration made accessible.
Revenue: Referral fees to TCSP-registered trustee companies
Visit site
TrustMatrixLive
B2B SaaS for trust administration, estate tech and legal workflow. Licensed to professional firms across the sector.
Revenue: Annual SaaS licensing to professional firms
Visit site
DigitalSafeLive
Encrypted digital vault for wills, LPAs, policies, pension docs and family records. Secure, accessible, shareable.
Revenue: Annual subscription (£9.99–£29.99)
Visit site
ToInfinityLive
Digital memorial pages with in-memory charitable giving. Lasting online tributes that channel grief into generosity.
Revenue: Freemium + donation processing + premium
Visit site
FutureGuard PortalLive
The integration layer. Single customer identity, unified dashboard and cross-brand data enrichment.
Infrastructure — enables cross-brand lifetime value
Visit site
Investment Opportunity

Four routes in. Tiered incentives. Tax-advantaged.

FutureGuard is raising £8M in total. The £1M pre-seed round is open now across four investment routes designed for different investor profiles, tax positions and jurisdictions. UK taxpayers benefit from SEIS/EIS relief. International investors access the same opportunity via CLN or Direct Share Subscription. A £5M EIS main round follows.

UK Tax-Advantaged Routes

SEIS Round

£250,000
Tax Relief50% Income Tax
CGT on Exit100% Exempt
Pre-Money£18.75M
Post-Money£19M
Investor Ownership1.3%
Minimum£10,000
Net Cost per £100K£50,000
Loss Relief (45% taxpayer)72.5% protected

International & Non-Qualifying Routes

Convertible Loan Note

Up to £1,000,000
Interest8% per annum (quarterly)
Conversion Discount20% to next qualifying round
Maturity24 months
If No Round at MaturityRepayable or converts at cap
EIS ReliefNot available
Minimum£25,000
Ideal ForNon-UK / income-seeking investors

Direct Share Subscription

Up to £1,250,000
TypeNew shares — issued by the Company
Price per Share£1.00
Share ClassOrdinary (immediate equity)
Capital Goes ToThe Company
EIS ReliefMay qualify — not guaranteed
Stamp DutyNone (new shares)
RestrictionsNone — any investor, any jurisdiction
Minimum£25,000

Coming Next

EIS Main Round

£5,000,000
Tax Relief30% Income Tax
Pre-Money (target)£25,000,000
IHT / CGT100% Relief / Exempt
Timeline6–12 months after SEIS close
FeatureSEISASACLNDirect SubscriptionEIS (Future)
StatusOpen NowOpen NowOpen NowOpen Now6–12 months
Income Tax Relief50%30% (on conversion)NoneMay qualify (30% EIS)30%
Entry Valuation£19M£18.75–20M20% discount£1.00/share£25M+
CGT Exemption100%100%Standard CGTIf EIS: 100%. Otherwise standard100%
Income / InterestNoneNone8% quarterlyNoneNone
Capital Goes ToCompanyCompanyCompanyCompanyCompany
UK Taxpayer Required?YesYes (for relief)NoNoYes
Risk / RewardHighest / HighestHigh / HighModerate (debt)Moderate (immediate equity)Lower / Standard
Access Investment Materials →

Qualified investors only. FPO certification required.

Leadership

The team behind FutureGuard

Deep expertise across financial services, trust administration, regulated fund management, AI platform architecture and large-scale project delivery.

Team collaboration
PW

Paul Wilcox

Chief Executive Officer
45+ years in financial services, estate planning and trust administration. Founder of WAY Group, building it into one of the UK’s leading specialist trust and estate-planning businesses with c.£200M AUM and 1,500+ active trusts. Deep relationships across the IFA, solicitor and wealth management distribution channels.
TC

Trevor Chanter

Chief Financial Officer
Former Chief Investment Officer at WAY Fund Managers Ltd (FCA-authorised). Extensive experience in regulated fund management, financial controls and investor reporting. Brings institutional-grade financial governance and direct knowledge of the WAY partnership.
DA

Deirdre Austin

Chief Operating Officer
Specialist in large-scale project delivery across financial services and technology. Track record of launching complex multi-stakeholder platforms on time and within budget. Responsible for operational build-out of all brands and the Centralised Service Core.
JZ

Jude Zorlu

Chief Technology Officer
AI and platform architecture specialist. Leads the design and build of FutureGuard’s shared technology stack, including the proprietary AI guidance engine, microservices infrastructure and cross-brand identity system. Responsible for TrustMatrix B2B platform.

Contact

FutureGuard Ltd • Company No. 17077565

info@futureguard.co.uk • 020 3576 3028

Qualified Investors

Investor Access

Investor Qualification

Under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, investment materials may only be provided to certain categories of investor.

Important:If you do not fall into one of the categories below, you are not eligible to receive investment materials.
Investment Opportunity

Register Your Interest

FutureGuard is raising £8M in total, with a £1M pre-seed round open now. Complete the form below to receive the Investment Memorandum, Executive Summary and details of our SEIS, ASA, CLN and Direct Share Subscription investment routes. A member of the team will be in touch within 48 hours.

Expression of Interest

FutureGuard Ltd (Company No. 17077565) is raising £8M in total. The £1M pre-seed round is open now to qualified investors across four routes. Please provide your details below and we will send you the relevant documentation.

This is non-binding and for information purposes only.
Under FSMA s21, certain investment materials can only be provided to qualifying investors. If you are unsure of your category, select “Other” and we will help you determine eligibility.

Thank You

Your expression of interest has been received. A member of the team will be in touch within 48 hours with the relevant documentation and next steps.

FutureGuard Ltd • Company No. 17077565

This form is an expression of interest only and does not constitute an offer to sell or a solicitation to buy securities. No investment contract is formed by submitting this form. Your personal data will be processed in accordance with applicable data protection legislation and used solely for the purposes of responding to your enquiry. FutureGuard Ltd is not authorised or regulated by the FCA.