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One Beneficiary — Pitch Deck

Vault · Toggle · Unlock · Transfer

Investor pitch deck for One Beneficiary, the Digital Estate Operating System. Figures as presented in the deck. The original PowerPoint file is below.

⇩ Download the original deck (.pptx)
Slide 01

One Beneficiary — Vault & Legacy Platform

ONE BENEFICIARY

Digital Estate Planning — the Digital Estate Operating System.

VAULT · TOGGLE · UNLOCK · TRANSFER

CONFIDENTIAL

Slide 02

Platform Overview — What Is One Beneficiary?

A dual-sided subscription platform that lets you build, lock, and release your digital estate to the right people — automatically, when the time comes.

Vault Architecture

Encrypted document and asset storage — your entire digital estate sealed in one secure, structured vault.

Beneficiary Toggles

Granular per-document access control — decide who receives what, and change it anytime before the moment arrives.

Notification Engine

Real-time alerts to beneficiaries and legal parties — every stakeholder informed at every critical life event.

Death Unlock Flow

Verified trigger releases staged vault contents — multi-party confirmation ensures the right documents reach the right hands.

Slide 03

How It Works — The One Beneficiary Vault

A secure, five-stage architecture — from first upload to verified release.

  1. 1 · Account Holder Onboards — creates account & uploads documents: will, titles, passwords, media, letters. UPLOAD
  2. 2 · Vault Seals — AES-256 encrypted, zero-knowledge architecture. Owner holds master key. ENCRYPTED
  3. 3 · Beneficiary Toggles Set — per-document, per-beneficiary access rules. Toggle on or off anytime. CONFIGURABLE
  4. 4 · Life Events Trigger Notifications — owner or trusted contacts send real-time alerts to all designated parties. AUTOMATED
  5. 5 · Death Unlock Verifies & Releases — multi-party verification triggers staged release to designated beneficiaries. VERIFIED

AES-256 encryption at rest & in transit · Zero-knowledge — only owner holds master key · Multi-party verification before any unlock

NO TRIGGER. NO RELEASE. NO EXCEPTIONS.

Slide 04

Market Context — The $68 Trillion Problem

$68T+

Wealth transferring in the Great Wealth Transfer between 2024 and 2045 — the greatest in history.

60%

of Americans die with no digital estate plan in place. CRITICAL GAP

3.5 Yrs

Average legal estate settlement timeline for families without a plan.

Families lose assets, accounts, and memories — because no one had a plan.

Slide 05

Subscription Model — Two Sides. One Platform.

Vault Holder — Account Holder Tier

  • Unlimited document uploads — wills, titles, passwords, media & letters
  • Beneficiary management dashboard — full visibility & control
  • Toggle controls — per-document, per-beneficiary access rules
  • Notification engine access — real-time alerts & life-event triggers
  • Death unlock configuration — staged release, waiting periods, verification
  • Attorney integrations — estate planner & executor coordination

STARTING AT $9.99 / mo

Beneficiary Access — Beneficiary Tier

  • Named-beneficiary account — linked directly to the vault holder's estate
  • Document receipt inbox — receive exactly what you've been toggled to see
  • Notification alerts — SMS, email & push at each trigger event
  • Legal party coordination — synchronized access with attorneys & executors
  • Mobile-first access — iOS & Android, optimized for the moment it matters
  • Premium upgrade available — multi-vault, priority support, archive access

PRICING Free to receive / $4.99/mo premium

Every vault holder creates beneficiaries. Every beneficiary may become a vault holder.

Slide 06

The Death Unlock Flow

NO TRIGGER. NO RELEASE. NO EXCEPTIONS.

  1. Step 01 — Trusted contact, attorney, or automated life-check flags the event and initiates the unlock sequence.
  2. Step 02 — Minimum 2 of 3 trusted contacts confirm the event; optional attorney co-sign adds a legal layer of protection.
  3. Step 03 — Configurable 72-hour to 30-day fraud buffer — a deliberate pause before any document is released.
  4. Step 04 — Documents released in priority tiers — Immediate (bank access) · Standard (property) · Delayed (personal letters).
  5. Step 05 — Each beneficiary receives exactly what they were toggled to receive — nothing more, nothing less.
  6. Step 06 — Encrypted archive copy retained per legal compliance — immutable, time-stamped, auditable.
Slide 07

The Notification Engine — Always-On. Always Relevant.

Real-Time Alerts

Event-triggered pushes fire instantly to all designated parties — no delays, no missed signals.

Life Events

Marriage, divorce, new child, or property purchase automatically trigger re-toggle prompts to keep your vault current.

Legal Party Sync

Attorney and executor receive coordinated, role-gated access the moment a verified trigger event fires.

Multi-Channel Delivery

SMS, email, app push, and certified mail integration — every channel covered.

Recurring Check-Ins

Annual vault review reminders prompt account holders to verify beneficiaries and keep data current.

Fraud Alerts

Suspicious unlock attempts are flagged immediately to the vault owner and designated trustees — zero tolerance for breach.

Slide 08

Market Opportunity — A Market Built by Time, and Growing Fast

TAM — Total Addressable Market
$12.4B

Digital Estate & Beneficiary Management globally (2026)

SAM — Serviceable Addressable Market
$3.2B

US digitally active adults 45+ with investable assets

SOM — Serviceable Obtainable Market
$180M

Reachable via attorney, financial advisor & HR channels — Year 1–3

Market Growth — 18.4% CAGR through 2030

202220232024202520262027202820292030
$5.2B$6.1B$7.3B$8.6B$12.4B$14.7B$17.4B$20.6B$24.3B

73M Baby Boomers are actively transferring assets now — the largest generational wealth event in history is already underway.

Slide 09

Business Model — Multiple Revenue Lanes

Revenue mix est. — SaaS 72% · B2B 48% · HR 34% · Integrations 22% · Archive 16%

Subscription SaaS

Vault Holder tiers at $9.99–$29.99/mo — solo, family, and business plans with tiered storage and feature access. CORE REVENUE — Recurring MRR

Attorney & Estate Planner B2B Seats

White-label dashboard for legal partners — per-seat licensing for estate attorneys and wealth planners managing client vaults. HIGH LTV — Sticky B2B

HR & Benefits Channel

Employer-sponsored estate planning as a workforce benefit — packaged for HR platforms and benefits ecosystems. SCALE CHANNEL — Group ARPU

Integration Marketplace

Connect with Schwab, Fidelity, and legal document providers — rev-share and API licensing on ecosystem integrations. REV-SHARE — API Partners

Vault Archive Compliance

Regulated archive service for estate attorneys — certified long-term encrypted storage meeting legal compliance standards. COMPLIANCE — Regulated

Unit Economics

$840 estimated LTV · <$45 CAC via attorney channel · 18.7× LTV : CAC ratio. Each attorney partner seeds dozens of vault holders organically.

Slide 10

Strategic Roadmap — Building the Estate OS

Phase 1 · Q1–Q2 2027

Vault Launch

  • Core AES-256 encryption vault
  • Beneficiary toggle controls
  • Basic notification engine
  • iOS & Android MVP launch
Phase 2 · Q3–Q4 2027

Unlock Engine

  • Full death unlock flow
  • Attorney platform integration
  • Multi-party verification system
  • Fraud detection & alerts
Phase 3 · Q1–Q2 2028

Ecosystem Expansion

  • B2B attorney seat licensing
  • HR & benefits channel rollout
  • Financial institution partnerships
  • White-label partner dashboard
Phase 4 · Q3 2028+

AI Layer

  • Proactive estate review prompts
  • AI-generated beneficiary letters
  • Smart asset detection engine
  • Predictive toggle recommendations
Slide 11

Competitive Position — The Timing Is the Product

Why Now — The Window Is Open

  • Great Wealth Transfer is live — $68T+ shifting hands between 2024–2045
  • 73M Boomers actively moving assets — the largest cohort in U.S. history
  • No platform owns digital estate comprehensively — the category is unclaimed
  • Gen X & Millennials managing aging parents' estates digitally — demand is behavioral
  • SECURE Act 2.0 changed inheritance rules — beneficiary guidance demand is surging

Durable Advantages — Our Moat

  • First-mover in dual-sided vault + beneficiary toggle architecture — no direct clone exists
  • Death Unlock Flow is a defensible product category — not a bolt-on feature
  • Network effects — every vault holder seeds new beneficiary accounts organically
  • Attorney channel creates sticky institutional lock-in — high switching cost, recurring B2B revenue
  • Notification engine data becomes an irreplaceable life-event graph — proprietary and compounding
Slide 12

Investor Opportunity — Join Us in Building the Estate OS

SEEKING $2.5M Seed Round

40%

Product & Engineering — vault, unlock engine, mobile apps

35%

Go-To-Market — attorney channel, B2B sales, partnerships

25%

Ops & Compliance — legal, security audits, regulatory

One Beneficiary. One Platform. One Plan — for everything you leave behind.

$68T

Great Wealth Transfer

73M

Boomers transferring now

18.4%

Market CAGR 2030

Financial Highlights

$840 est. LTV · <$45 CAC (attorney channel) · 18.7× LTV / CAC

Ready to connect? Schedule a demo — onebeneficiary.com · hello@onebeneficiary.com

Confidential · Seed Round 2026

© 2026 Wade Pivett / Icy Patterns · Waukesha, WI