£1M Round 1 Now Open

The Integrated Later-Life Planning Platform

Five specialist brands, one customer record, the full lifecycle — from will writing through trust administration to digital legacy.

Built on the Financial DNA data spine. Anchored by the WAY commercial services arrangement. Self-funding from Year 2.

View Investment → Explore Our Brands

5Brands

£8.8MYr 5 Revenue

67%Yr 5 EBITDA

Y2Self-Funding

Multi-generational family enjoying time together

600K+UK Deaths/yr

£7.5bnIHT Annually

£15bn+TAM

Why FutureGuard Exists

UK households face later-life decisions that can’t be reduced to a form. Faith, family structure, business interests, domicile, capacity, existing structures — the variables compound.

Every existing provider is form-based and single-vertical. FutureGuard is the first platform built agent-native from the ground up — a panel of specialist agents that reason about each person’s specific situation, coordinated across a single account.

See the Numbers →

The Problem

Later-life planning is combinatorial, not linear

The variables that determine the right estate plan include faith and culture, family structure, wealth level, business interests, domicile, existing structures, and health. Multiply these together and the result is not a decision tree but a decision space with millions of distinct coordinates.

No form can capture it. No pre-written template can address it. Every existing provider — Farewill, Dignity, Carehome.co.uk — is form-based and single-vertical. FutureGuard is the first platform built agent-native from the ground up.

The coordination layer is the product. Domain specialists reason about the same person’s situation simultaneously, surface interactions between domains, and hand off to regulated partners only when required.

Professional woman working on digital platform

Agent Architecture

One account. Five brands. A panel of agents.

The platform runs a roster of domain-specialist agents, orchestrated by CrewAI on Claude, with deterministic tools for calculation and a regulated handoff layer for reserved activities.

Specialist agent roster

Profile • Faith & Culture • Estate Law • Tax • Trust • Pension & Financial • Care • Regulatory • Funeral • Bereavement • Family Dynamics • Digital Legacy • Journey (orchestrator) • Escalation

Agents consult concurrently on each user’s Financial DNA, surface interactions between domains, and synthesise output into plain-English recommendations.

No agent generates free-form legal text. Will clauses are assembled from a solicitor-curated library. IHT calculations use deterministic tools tested against HMRC worked examples.

Orchestration and safety

CrewAI orchestration on Claude. Sequential, parallel, debate, and reflection routing patterns. Sonnet for routine agents; Opus for complex legal and planning reasoning.

Deterministic tools. IHT calculator, trust tax calculator, care funding calculator, HMCTS form generators, will clause library — no arithmetic delegated to the language model.

Regulated handoff. The Escalation Agent is a first-class citizen: reserved legal activity, FCA-regulated advice, and emotional-distress signals all trigger a warm handoff with full context already transferred to the human.

Financial DNA — the shared data spine — persists across all agents, all brands, and all life events. A customer’s will, trust, probate, care plan, and memorial are held in one continuous account.

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 agent-native advantage

No competitor connects more than two verticals. None have built an architecture in which specialist agents reason about the full combinatorial reality of a specific person’s situation. The competitive moat is architectural investment that compounds over time through Financial DNA depth, partner relationships, regulatory standing, and the operational discipline of keeping a multi-agent, multi-domain knowledge base current.

Five brands built and integrated. The platform is not a deck. The five Round 1 brands are operationally integrated through Financial DNA — one customer record, five specialist services, every life event in one place.

FutureGuard is the first platform built agent-native from the ground up. Competitors can add a chatbot to a form. What they cannot replicate is the integrated architecture.

Early-stage revenue visibility

FutureGuard has agreed the commercial framework for a services arrangement with WAY Trustees — one of the UK’s leading specialist trust and estate-planning businesses — under which it provides a client intelligence, onboarding and lifecycle management platform supporting the trust pipeline. The arrangement is expected to generate c. £200K of fixed services revenue in Year 1 ramping to c. £500K by Year 5, alongside per-trust new-fee revenue and an annual allocation fee from WAY Fund Managers on cumulative trusts.

WAY Fund Managers acquisition — in progress. The acquisition of WAY Fund Managers is in progress, subject to FCA Change of Control approval. The trusts administered by WAY Trustees deploy investable assets into WAY Fund Managers funds, closing the value chain at both ends. The acquisition is not a Round 1 precondition.

FutureGuard combines an institutional partner relationship with an integrated five-brand platform — an unusual combination at this stage of company development.

Brand Architecture

Five integrated brands for one unified account

Each brand maintains its own market presence, SEO identity and specialist positioning. Behind the sign-up, every user has a single FutureGuard account — shared agents, shared Financial DNA, shared regulated partner network. Cross-sell becomes cross-recognition. Click any live brand to visit its site.

WillWiseLive

AI-guided will-writing, lasting powers of attorney and digital estate planning. Average blended fee £225 (basic will from £79 plus LPAs and extras).

Revenue: Per-document fees + annual subscription

Visit site

AI IFALive

IFA-grade research depth as planning context. Routes regulated advice to FCA-authorised adviser panel; Group earns referral fees per completed engagement. Pre-AR pathway.

Revenue: Referral fees per completed adviser engagement

Visit site

SettleWiseLive

Probate and estate-administration legal services delivered by qualified solicitors at the Group’s SRA-regulated firm. AI-assisted client intake, document assembly, case management.

Revenue: Fixed-fee legal services, average £2,000 per matter

Visit site

Ingenious Trust ServicesLive

Client-facing trust onboarding and lifecycle portal operating as a branded interface supporting WAY Trustees’ regulated back-office, with 1,800+ active trusts.

Revenue: New-trust fees, WFM allocation fees, and the WAY commercial services arrangement

Visit site

DigitalSafeLive

Long-horizon digital legacy vault. Encrypted, timestamped custody for keys, deeds, accounts and instructions — for decades. Annual subscription per cumulative will.

Revenue: Annual subscription £20 per will

Visit site

Investment Opportunity

Two routes in. £1M Round 1. Tax-advantaged.

FutureGuard is raising a total of £1M in Round 1, split flexibly across two investment routes. The total raise is £1M — not £1M per route. UK EIS-qualifying investors may subscribe via Advance Subscription Agreement. International, corporate and non-qualifying investors access the same opportunity via Convertible Loan Note. Both routes offer a 25% discount to the next qualifying round on a £5M pre-money cap. Investors elect one route, never both.

ASA — Route A

Up to £1M total

InstrumentAdvance Subscription Agreement

Pre-money cap£5,000,000

Discount25% to next Qualifying Round

EIS ReliefStructured to qualify; HMRC Advance Assurance in progress

Long-stop12 months + optional 6-month Board extension

Minimum£20,000 (smaller at Company discretion)

CLN — Route B

Alternative route

InstrumentConvertible Loan Note

Pre-money cap£5,000,000

Discount25% conversion discount

Coupon10% per annum, paid quarterly, accruing from drawdown

Long-stop12 months + optional 6-month Board extension

At Long-stopConvert at the cap with discount, OR repay at par plus accrued coupon

Minimum£20,000 (smaller at Company discretion)

EIS ReliefNot EIS-qualifying (debt instrument)

Feature	ASA (Route A)	CLN (Route B)
For	UK EIS-qualifying investors	International / corporate / non-qualifying
Pre-money cap	£5M	£5M
Discount	25% to Qualifying Round	25% conversion discount
EIS tax relief	Yes — HMRC AA in progress	No
Coupon	None	10% p.a. paid quarterly
Repayment	No (equity only)	Yes at long-stop, at noteholder’s election
Long-stop	12 months + 6-month extension	12 months + 6-month extension
Minimum	£20,000	£20,000

Next round: An optional Series Seed of £2.5–4.0M is anticipated in Year 2, intended as growth capital to accelerate channel investment and post-Round-1 strategic hires. The Series Seed is not required for operating breakeven — on the central case projection the platform is EBITDA-positive in Year 2 and self-funding through the planning horizon. Round 1 ASA holders convert at their 25% discount to the Series Seed price; CLN holders may convert on the same terms or be repaid at long-stop.

Financial Highlights

£8.84M

Year 5 Revenue

£5.89M

Year 5 EBITDA (67%)

Y2

Self-Funding (No Series Seed)

£21.2M

5-Year Cumulative Revenue

£11.8M

5-Year Cumulative EBITDA

EBITDA-positive from Year 2 on the central case. Round 1 raise of £1M is sufficient to reach and sustain operating breakeven without further capital. Projections are management base case; actual results may differ materially.

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.

PW

Paul Wilcox

Non-Executive Chairman

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.£240M AUM and 1,800+ active trusts. Deep relationships across the IFA, solicitor and wealth management distribution channels. The contracted WAY Trustees commercial services arrangement and the planned WAY Fund Managers acquisition (subject to FCA Change of Control approval) are direct consequences of Paul’s institutional standing in this market.

DA

Deirdre Austin

Chief Executive Officer

Senior operational and strategic leader with extensive experience 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 overall business strategy, partner integration, regulatory compliance, and day-to-day execution across all brands.

TC

Trevor Chanter FCSI

Chief Financial Officer

Chartered Fellow of the Chartered Institute for Securities and Investment (FCSI). 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 the direct professional history with WAY Fund Managers that underpins the acquisition relationship.

JZ

Jude Zorlu

Chief Technology Officer

AI and platform architecture specialist. Leads the design and build of FutureGuard’s shared technology stack, including the CrewAI multi-agent architecture (Claude-backed, with specialist agents covering estate law, tax, trust, faith, care, pensions, digital legacy and orchestration), microservices infrastructure, cross-brand identity system, and Financial DNA data architecture.

Contact

FutureGuard Ltd • Company No. 17077565

info@futureguard.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.

Certified High Net Worth Individual (Article 48)Annual income £170,000+ or net assets £430,000+ (excluding primary residence, pension, insurance).

Self-Certified Sophisticated Investor (Article 50A)Angel network member, 2+ unlisted investments in last 2 years, PE/VC experience, or director of £1M+ turnover company.

Certified Sophisticated Investor (Article 50)Current certificate from an FCA-authorised person confirming you understand the risks.

Investment Professional (Article 19)FCA-authorised/regulated firm or large undertaking.

I acknowledge that investment in early-stage companies carries substantial risk, including loss of the entire investment. I will seek independent advice before investing.

I confirm I fall within the category selected above and understand the Company is relying on this confirmation.

Investor Data Room

The documents below cover the agentic platform thesis, financial model, and investment terms in full. Download any document or contact us to discuss the opportunity.

ES

Executive Summary

Investment overview

IM

Investment Memorandum

Full business case & financials

PD

Pitch Deck

15-slide presentation

FM

Financial Model

5-year consolidated projections

AA

ASA Agreement

Advance Subscription Agreement — Route A (EIS)

CL

CLN Instrument

Convertible Loan Note — Route B, 25% discount, 10% coupon

RW

Risk Warnings

Standalone risk disclosure

info@futureguard.uk | 020 3576 3028

Investment Opportunity

Register Your Interest

FutureGuard is raising £1M in Round 1. Complete the form below to receive the Investment Memorandum, Executive Summary and details of our ASA and CLN investment routes. A member of the team will be in touch within 48 hours.

Expression of Interest

FutureGuard Ltd (Company No. 17077565) is raising £1M in Round 1. The round is open now to qualified investors via ASA (EIS) or CLN. Please provide your details below and we will send you the relevant documentation.

First Name *

Last Name *

Email Address *

Phone Number *

Investment Amount You Are Considering *

This is non-binding and for information purposes only. Minimum subscription £20,000 (ASA) / £20,000 (CLN); smaller at Company discretion.

Which Investment Route Interests You? *

Investor Category *

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.

I understand that this registration is an expression of interest only and does not constitute a commitment to invest. I acknowledge that investment in early-stage companies carries substantial risk including loss of the entire investment, and I will seek independent advice before making any investment decision.

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.