Your financial life, mapped and monitored. Together.

Upload trusts, tax returns, insurance policies, account statements, and estate plans. Vigil's AI extracts a structured picture of what exists, who manages it, where it lives, and how it connects. The map is built once and refined together.

The map covers your complete financial life:

• ✓ Financial accounts across all institutions
• ✓ Property
• ✓ Insurance
• ✓ Estate documents
• ✓ Your professional network
• ✓ Your trusted contacts
• ✓ Income and obligations

Every piece of data shows its confidence basis:

You always know how much to trust a given data point.

Vigil reviews the household map against the patterns that hold up under scrutiny: beneficiaries that match the trust, documents that haven't aged out, coverage that fits the household, named roles that point to people still in the picture. Each gap surfaces as a question framed for the right professional, whether estate attorney, CPA, financial advisor, or insurance agent. Vigil never gives financial advice. Every finding cites the documents that produced it.

The audit surfaces things like:

• Beneficiary mismatches: "Your 401k beneficiary is out of date. Your trust names a different person. This may be worth discussing with your estate attorney."
• Coverage gaps: "$2M in real estate, no umbrella policy documented. Consider asking your insurance agent whether umbrella coverage is appropriate."
• Document conflicts: "Your will names Executor A but your trust names Successor Trustee B for the same assets."
• Stale information: "Trust last updated in 2019, references a state you no longer live in."
• Missing essentials: "No healthcare directive found. No power of attorney documented."

Each finding shows its severity, the documents and data it's based on, whether each data point is verified or self-reported, and a suggested next step. Always framed as an observation and a question for a specific professional.

Vigil runs continuous checks against the household map, flags drift the moment data goes stale, and surfaces what changed and what needs review.

The trust that was current three years ago. The insurance policy approaching renewal. The login your family could access last year but can't today. Readiness erodes silently. Monitor catches it.

The Semi-Annual Check-In

Sit down together. Walk through every category: account inventory, value drift, access path health, insurance and expirations, estate documents, people and contacts. Close with the family comfort check: "Could you act on this runbook if you needed to?"

Walk away with a fresh household runbook. Before a trip, after a life change, or just because it's been six months.

Proof of Access

Periodic micro-validations confirm that you and your family can still reach critical accounts and documents. Last-verified timestamps track drift. Configurable cadence: quarterly for financial accounts, semiannual for physical access.

Pulse Reports

Monthly email summary of your readiness status. New findings. Proof of Access results. Upcoming expirations. Under 60 seconds to read.

Readiness Decay Detection

When data goes stale, readiness status degrades from READY to NOT READY with specific reasons. No ambiguity. No silent degradation.

When the household needs the runbook, before a trip, after a life change, or just because it's time, the protocol releases the right information at the right time. Multi-party verification gates each level, drawing on your trusted contacts and the family member who needs access. The runbook is verified, walked through together in advance, and tested in simulation before it is needed. When the protocol activates, your designated spouse authenticates and receives First Steps, enough to steady the next 24 hours.

Your household runbook is always available. A living document built from your actual financial map, always current, always accessible. Anyone in the household can pull it up at any time to see the full picture: every account, every professional, every document, every next step.

When disruption hits, the runbook becomes a verified protocol. Your family doesn't face a blank screen and a list of phone numbers. They face a progressive, verified playbook that delivers the right information at the right time, with multi-party verification and professional escalation built in.

This is the core of Vigil Protocol. Everything before this is setup. This is what your household depends on.