Wealth Legacy Planning

Wealth Legacy Planning is the distinctive feature of Agni Folio: a system that ensures your investment records reach your nominees — your spouse, children, parents, or chosen beneficiaries — if you’re no longer able to access them yourself.

It’s an uncomfortable topic. It’s also the most important one. Most portfolio trackers stop at “here’s what you own.” Agni Folio asks: and what happens to it next?

How it works

1. Add nominees

   From Legacy Planning, add the people you want your records to reach. For each nominee, provide name, relationship, email, and (optionally) phone number.

   You can mark a nominee as primary or secondary, and you can have multiple primary nominees (e.g. spouse + adult children).

2. Configure inactivity threshold

   Agni Folio monitors your activity. After a configurable period of complete inactivity (default: 6 months), the system begins a multi-step verification process before sharing anything with nominees.

3. Alive checks

   Before any nominee notification, Agni Folio sends alive check emails to you. These are simple “are you still active?” pings. Click the link or log in within the response window, and the inactivity counter resets.

4. Notification escalation

   If alive checks go unanswered, Agni Folio progressively escalates: more reminder emails, then SMS/WhatsApp (where enabled), then a final notice. Only after every escalation expires do nominees receive an outreach email.

5. Nominee access

   When nominees are notified, they receive a secure link to view your portfolio summary. Agni Folio does not transfer custody of any actual assets — that requires legal action via your jurisdiction’s succession process. What Agni Folio provides is a complete, organized record of what you owned, where, and how to access it.

Death certificate verification (optional)

For higher trust, you can enable death certificate verification. When triggered, nominees must upload a death certificate which an Agni Folio admin manually verifies before granting full access. This is feature-flagged and off by default.

Caution

Wealth Legacy Planning is a record-keeping aid, not a legal will. It does not transfer ownership of assets. Your nominees still need to go through proper succession processes in your jurisdiction. What Agni Folio gives them is a head start: clarity on what existed and where to find it.

Why this matters

Across the world, heirs commonly spend 6 to 24 months hunting down a loved one’s financial records. Brokerage accounts, bank statements, mutual fund folios, retirement accounts, real estate documents, crypto wallets — scattered across emails, paper files, physical lockers, and dozens of logins. By the time families piece it together, account closure deadlines have passed, fixed deposits have auto-renewed at worse rates, or worse — assets are simply lost to the unclaimed-property systems that hold billions globally: an estimated $60+ billion in the US, £77+ billion in the UK, and ₹35,000+ crore in India, with similar pools in Canada, Australia, Singapore, and the EU.

The discovery problem cuts across every jurisdiction. Cross-border investors — expats, NRIs, dual residents, anyone with assets in more than one country — face it most acutely, because heirs often don’t even know which countries to look in.

Agni Folio’s Legacy Planning doesn’t fix succession law. It fixes the discovery problem.

What’s next

• Tracking Investments — every record you add today is one less thing your nominees have to hunt for
• Portfolio Insights — keep your records up to date so the snapshot they inherit is current