Wealth Transfer Solutions
Grow and retain relationships with a complete financial safety platform designed to protect clients today and build trust across generations.
Carefull LegacyKit seamlessly discovers, collects and assembles crucial documents, account details, contacts, and instructions for surviving family members.
Trusted Contacts allow spouses, adult children, caregivers, and family members view-only visibility while introducing them to your organization.
Users can gift additional Carefull protection to a spouse, aging parent, adult child or other family member. Your FI then begins an impactful relationship with someone new.
LegacyKit
Carefull LegacyKit is a secure digital solution that automatically and seamlessly collects essential, hard-to-find financial information and ensures it reaches loved ones when it’s needed most.
Demo Carefull LegacyKitClients can begin building their LegacyKit in just a few clicks. When financial accounts are connected to Carefull to protect them, the platform automatically assembles:
A simple checklist walks clients through adding passwords & PINs, key documents (will & trust, POA, deeds), trusted contacts, safe-deposit box info, devices, and more.
When the time comes, LegacyKit effortlessly surfaces everything: utilities, passwords, donations, alarm codes, forgotten insurance policies, and even the gardener’s name — pulling the most current information so it’s never outdated. All courtesy of your FI.
Carefull Trusted Contacts
Clients can add the people they already rely on as Trusted Contacts inside Carefull. Once invited, Trusted Contacts can help provide another layer of oversight without taking control of the account.
Demo Trusted Contacts SystemA simple guided flow lets clients select who they want involved and how they want them to help, creating a natural way to bring family into the circle of financial safety.
Clients stay in charge, while Trusted Contacts get the visibility they need to help sooner, before a small concern becomes a larger financial problem.
Carefull Protects Two People
Carefull includes protection for two people. A spouse, partner, adult child, caregiver, or loved one then gets to experience firsthand your organization’s brand and mission.
Demo Full Family SolutionA simple set-up flow lets clients choose who else they want to protect, creating an immediate path to expand the relationship beyond the primary account holder or client. These added loved ones then have their own experience, separate and private from the first user.
The gifted protection can also be fully managed on behalf of a loved one in need of support. A caregiver can set up protections, receive alerts, and handle issues that need attention, while the loved one benefits from Carefull without needing to log in.
When a loved one receives a full Carefull account, it creates a natural point of brand connection with someone who may influence future financial decisions or have assets that need a new home. Trust and relationships are built before money moves, and your FI becomes the place families ultimately consolidate.
In Practice
In 2025, a Cetera advisor: “I had a long-standing client in his 40s who worried about his parents in their late 70s. I offered to meet the parents directly — even visit their home.” The client’s response: “Not gonna happen.”
So in another meeting I proposed Carefull, thinking — maybe his parents would be interested? He called back the following week and said, ‘they love it, and could I meet with them in a few weeks?’ Turns out there was $2.5M they had always managed themselves. The father said, ‘it’s a lot of money, I’m worried.’ So I brought them on as clients.”
“They also added more family as Trusted Contacts. I get a call from a different sibling: ‘I’m Judy’s oldest son, I just got invited to be a contact and I don’t know what this is — explain it to me.’ And later he says, ‘wow — thank you for doing that. My wife and I, we’ve actually been just thinking: we have $200k sitting in the bank. Would you be willing to meet and talk about what we can do with it?’”
Within a week, the client’s parents agreed to meet with the advisor and became clients, bringing $2.5M in previously self-managed assets. After being invited as a Trusted Contact, a second-generation sibling reached out and moved another $200K.
3 new relationships. 2 generations. 1 differentiated service.
Addressing the “right now” safety concern for an aging parent surfaced millions in assets. FIs that use Carefull share stories like these every day.
Older clients and account holders often represent deep trust, long-standing relationships, and meaningful assets. They are also the bridge to the next generation: spouses, adult children, caregivers, and trusted contacts already involved behind the scenes.
Protect the
relationship.
Earn family
trust.
Create connection
before wealth moves.
Carefull turns financial protection into a multigenerational engagement strategy.
Carefull helps you build trust earlier by protecting older clients, supporting the family around them, and creating meaningful connection points before money moves.
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