Personal

For people planning to remarry when at least one partner has children from a prior relationship, divorce settlement assets, child support or alimony obligations, or all three. A structured intake that maps the financial landscape and produces the conversations that have to happen before you legally combine households — from prenup to estate plan to kids-expense agreements.

A decision-tree for high earners who keep putting off disability insurance — own-occupation, not group. For doctors, lawyers, dentists, engineers, consultants, and anyone whose income depends on their specific ability to work. Covers whether you actually need it, what type to buy (own-occupation vs. modified own-occupation vs. any-occupation and why the distinction matters at claim time), how much to get, which riders earn their premium, and what you already have that changes the answer. Ends with a specific shopping list, not a generic 'consult a professional.'

Long-term care insurance vs. self-insure vs. hybrid policy — walked through as a structured decision, not a sales pitch. For people in their 50s realizing they should have thought about this sooner, and their adult children doing it on behalf of aging parents. Covers when to buy, what type, how to model the math, and what trust structures (revocable, irrevocable, special-needs) to set up before the planning window closes.

A gentle, unsentimental writing companion for the hardest piece you'll ever write — a eulogy, a memorial toast, an obituary, or a condolence note for a family. It refuses to be poetic. It refuses to list achievements. Instead it asks for one small concrete detail, the thing the person believed, who's in the room, and how long you have. Then it produces something specific enough that people who knew them will recognize them in it. Output options for 3-minute eulogy, 1-minute toast at the celebration of life, written tribute for the program, or short condolence note. Designed for the worst week of someone's life, when they need help and not noise.

Decide whether you need long-term disability insurance, how much coverage to buy, and which policy features matter when your group LTD is thin or non-existent. Inputs your income, occupation, savings runway, dependents, and existing employer coverage — outputs a sized recommendation, the definition-of-disability traps that quietly gut payouts, and the riders worth paying for vs. the ones brokers oversell. Built for high-earning professionals (doctors, lawyers, engineers, founders) whose biggest financial risk isn't dying — it's a five-year shoulder injury.

Walking your new-build home before closing or before the 1-year warranty expires? Paste your builder, floor plan, walkthrough notes, or photos and get a room-by-room punch list of the defects builders quietly hope you miss — drywall pops, paint flash, tile lippage, miter gaps, grading issues, HVAC short-cycling, framing waves, missed caulk lines, and the warranty-clock items that disappear at month 12. Outputs the list, the language to put in writing, and the order to escalate when the superintendent ghosts you. Built for first-time new-construction buyers who don't know what 'industry-standard tolerance' actually means.

Decide whether you need a personal umbrella policy, how many millions of coverage to buy, and which exclusions will quietly destroy you when you actually file a claim. Inputs your net worth, liability exposure (driving, pool, dogs, rentals, board seats, teen drivers), and your existing auto/home limits — outputs a sized recommendation, the underlying-limit gotchas, and the questions your agent will not volunteer. Built for high-earning professionals who keep getting told 'you should have an umbrella' but have no idea why or how much.

An interactive operator for senior employees at venture-backed companies on the IPO/acquisition runway. Walks you through the four pre-liquidity decisions that move six-figure outcomes: early exercise of unvested options, NSO/ISO exercise-and-hold AMT modeling, secondary tender participation, and 10b5-1 plan design pre-lockup. Pulls your grant economics, current 409A, expected liquidity event, and personal cash position, then runs the math on AMT exposure, QSBS eligibility (Section 1202), early-exercise 83(b) windows, secondary discount-vs-tax tradeoff, and a draft 10b5-1 schedule that survives the lockup expiration without blowing up. Built for engineers, EMs, and PMs who keep getting equity guidance from people whose situation isn't theirs.

Paste your title commitment, ALTA settlement statement, and warranty deed (or grant deed, special warranty deed, quitclaim) and get a brutal line-by-line decode of every exception, easement, restriction, and fee. Surfaces the Schedule B exceptions that actually matter (vs. the boilerplate), flags the survey gaps that will bite you in five years, decodes the title insurance premium and simultaneous-issue rate, reconciles the ALTA against your Closing Disclosure to the dollar, and tells you which signatures matter and which to slow down on. Built for first-time and second-time buyers staring at a 40-page closing packet at 9pm the night before signing.

An interactive operator that walks freelancers through a single quarterly estimated tax payment from start to send. Pulls your YTD income and deductions, runs the safe harbor math (110% prior year vs. 90% current), sweeps overlooked deductions for the quarter, handles state quirks, and produces the actual federal and state vouchers — plus a calendar reminder for next quarter. Built for solo operators who don't want to outsource tax-prep but also don't want to underpay and eat the IRS underpayment penalty.

Paste your HOA's CC&Rs, bylaws, recent meeting minutes, financial statements, or reserve study — get a ranked red-flag report covering special-assessment risk, reserve underfunding, governance dysfunction, rental restrictions, pet/use rules, fining authority, insurance gaps, and the lawsuits or feuds hiding in the minutes. Built for buyers in their 7-day HOA review window who don't want to read 400 pages of legalese to discover they bought into a building that's about to lose its lender warrantability.

Paste your Loan Estimate or Closing Disclosure and get a brutal, line-by-line decode: which fees are real, which are junk, which the lender will quietly drop if you push, and which actually changed between LE and CD (illegally or not). Compare two or three lenders apples-to-apples, generate the negotiation message, and surface the questions your loan officer hopes you don't ask. Built for first-time buyers staring at three 5-page PDFs at 11pm.

An interactive operator that walks W-2 employees with equity (RSUs, ESPP, NSOs, ISOs) through the year-end and tax-time decisions that actually move the needle. Pulls your grant facts, vest schedule, and paystub withholding, then runs the math on the 22% supplemental withholding gap, AMT exposure for ISO exercises, ESPP qualifying vs disqualifying disposition, double-basis traps on 1099-B, and 83(b) windows. Produces an action list with dollar amounts, deadlines, and the exact line items to verify on Form W-2, 3922, 3921, and 1099-B. Built for engineers and operators at vesting tech companies who keep getting surprised by April 15.

An interactive operator that runs a comprehensive estate-planning audit while you're still alive — covering will gaps, retirement account beneficiaries, TOD/POD designations, life insurance, digital assets, guardianship for minors, and the silent overrides that wreck a careful will. Built for the moment you realize you've changed jobs, gotten married/divorced, had a kid, bought a house, or just remembered you wrote a will in 2018 and never looked at it again. Produces a prioritized fix list with the exact form/portal/document to update for each gap, plus a six-month review cadence.

You've just been named executor — or you're the next-of-kin and there's no one else. Get a phased, week-by-week protocol for closing out a loved one's estate: death certificates, immediate bills, probate filing, account inventory, creditor notice, tax filings, distribution, and final accounting. Adapts to whether there's a will, whether it's simple or contested, and which state you're in. Built for people who are grieving and shouldn't be googling 'how do I cancel a dead person's credit card' at 2am.

Paste a home inspection report and get an instant, prioritized punch list: what's a walk-away deal-breaker, what to negotiate a credit on, what to monitor, and what's just cosmetic noise. Includes cost estimates by issue, a ranked negotiation ask to send your agent, and the follow-up questions your inspector didn't answer. Built for first-time buyers who don't know which yellow flags actually matter.

Paste your medical bill, EOB (Explanation of Benefits), or both — get a plain-English breakdown of every line, what your insurance actually covered, what you truly owe, which charges look wrong or duplicated, and a copy-paste script to dispute errors or negotiate the balance down. No jargon, no scare tactics, just the numbers and the next move.

A structured interview-to-narrative system that extracts life stories through guided questions, then weaves fragmented memories into compelling memoir chapters with literary quality.