KARISSARUTHERFORD
Crafted by Karissa Rutherford, this groundbreaking estate planning platform reimagines legacy management for the digital age, addressing 2025’s complexities—quantum computing risks, AI-governed inheritances, and cross-jurisdictional asset ownership. Combining legaltech automation, behavioral psychology insights, and cryptographic security, the tool empowers families to protect multigenerational wealth while minimizing familial conflicts and tax inefficiencies.
Core Innovations & Methodologies
1. Holistic Asset Mapping with AI Synthesis
Omnichannel Integration: Syncs traditional assets (real estate, stocks) with digital holdings (NFTs, DeFi portfolios, metaverse land) and AI-managed accounts (robo-advisor trusts).
Dynamic Will Updates: AI monitors life events (e.g., divorce filings, childbirth) and regulatory shifts (2025’s updated U.S. SEC crypto-inheritance rules) to trigger real-time adjustments.
Conflict Prediction Algorithms: Analyzes family communication patterns to flag potential disputes over sentimental assets (e.g., heirlooms, generative art collections).
2. Quantum-Secured Legacy Protocols
Post-Quantum Encryption: Protects sensitive documents against 2030-era quantum decryption threats using lattice-based cryptography.
Biometric Multi-Signature Wallets: Requires familial consensus (e.g., retina scans + voiceprints) to release high-value assets, preventing unilateral misuse.
3. Tax Optimization Across Borders
AI Jurisdiction Arbitrage: Simulates inheritance outcomes under 2025’s EU Digital Inheritance Act, U.S. STEP Act revisions, and Asian crypto probate laws.
Charitable Trust Automation: Allocates assets to ESG-aligned DAOs (Decentralized Autonomous Organizations) while maximizing tax deductions.
2025-Specific Applications
AI-Generated Executors: Deploys GPT-6-enabled virtual executors to enforceterms, resolving ambiguities in real-time (e.g., interpreting “equal shares” in fluctuating crypto portfolios).
Metaverse Legacy Preservation: Converts 2D wills into interactive 3D holograms, allowing testators to verbally explain asset distributions via AI avatars.
Genetic Data Governance: Integrates with bio-banking services to manage posthumous access to DNA records under 2025’s Global Bioprivacy Accord.
User Impact & Validation
Case Study 1: A multinational family reduced probate costs by 52% using cross-border tax simulations, avoiding double taxation on Singaporean REITs and German bond holdings.
Case Study 2: Resolved a $12M NFT inheritance dispute preemptively via AI-mediated “virtual family mediation rooms,” preserving relationships.
Enterprise Adoption: Trusts like UBS and Fidelity now embed the tool to automate RMDs (Required Minimum Distributions) for 10,000+ retirement accounts.
Ethical & Inclusive Design
Bias-Free AI Training: Models are audited for fairness across genders, cultures, and LGBTQ+ family structures (e.g., non-binary inheritance rights).
Low-Income Accessibility: Offers sliding-scale pricing and pro bono workshops on “Digital Legacy Essentials” for underserved communities.
Eco-Conscious Legacy Options: Matches asset allocations to users’ sustainability values (e.g., converting inheritance funds into carbon-offset trusts).
