Call Summary: Estate Planning Platform Vision and Technical Co-Founder Opportunity

Overview

First introductory call between Gary and Bilal Little (Director of ETFs at NYSE), introduced by Marcus. Bilal shared his vision for a unified estate planning platform that combines trusts, wills, and life insurance with memory preservation features. The call covered Bilal's extensive wealth management background, personal tragedy that inspired the venture, detailed platform demo, and discussion of a potential technical co-founder partnership with significant equity.

Key Topics Discussed

Personal Background and Motivation

Life Transitions:

• Gary shared he's been in Austin about 11-12 months, moved from Denver after an AI coding bootcamp
• Previously lived in NYC (East Village) for 7 years post-graduation
• Bilal is from Connecticut, lived in LA for 10 years, attended USC for MBA, moved to Miami pre-pandemic, now back in NYC

Bilal's Tragic Catalyst:

• Got married in 2021, eloped in Italy
• The very next day received call that his brother was shot five times and murdered
• Brother's wife was pregnant with one-year-old; no life insurance or planning
• Bilal paid for funeral and six months later helped sister-in-law give birth
• She was asking him for $100 to cover bills: "It broke my heart that I work in finance, and the people closest to me don't have access to the tools that most people need"

Earlier Loss:

• Mother died when Bilal was 12
• Left no memories, documentation, or clear estate organization
• "The most valued things that we can pass on is our memories"

The Platform Vision

Core Thesis:

• Estate planning has three tenets: Trusts, Wills, Life Insurance
• Goal: Bypass probate with clarity and leave an inheritance
• Current competitors (Trust & Will) focus on wealthy clients
• Bilal wants to serve the underserved: "25 million people have Robinhood accounts... no one puts beneficiaries on their accounts"

The Rothschild Observation:

• "The reason you know the Rothschilds' and Rockefellers' names is because the paperwork is ironclad"
• Democratizing what successful families have done for generations
• "Financial advisors can't control markets. They can only manage, protect and transfer wealth... That's paperwork"

Unique Differentiator - Memory Preservation:

• Capture pictures, family videos, holiday moments
• Record life lessons: "What changed Daddy's life"
• Famous family recipes that would otherwise be lost
• Key scriptures that shaped someone's life
• "Imagine if your grandfather recorded a video saying what he stood for"

Mission Statement:

• "How do I build a solution to actually put GoFundMe out of business? Particularly the memorial section"

Platform Demo Walkthrough

Interface Structure:

• Wills, Life Insurance, Memories, My Vault, Attorney Review, Learning Center

Estate Planning Flow:

• Unified paper trail: family relationships, assets, insurance, healthcare, guardianship
• Financial assets and goals input
• AI-powered insurance needs estimator
• Digital witnesses for state-compliant signing

Life Insurance Module:

• Upload existing policies or get recommendations
• Compare market options (insurance marketplace)
• AI recommendations based on expense replacement, income replacement
• Revenue line through general account commissions

Memories Section:

• Write, audio record, or video record memories
• Attach memories to specific documents (will, trust, insurance)
• Photo/video folders organized by category (holidays, etc.)
• Push notifications and reminders for family collaboration
• "Turn these memories into assets"

In Case of Emergency:

• Step-by-step checklist for surviving family
• Key contacts (doctors, advisors, etc.)
• Death certificate process, insurance claim initiation
• "Most people, it takes them two years to find all the paperwork"

Document Vault:

• Critical documents storage
• Business continuity plans for solo practitioners
• "If I die, there's no way to contact me. I need somebody to make sure my clients are okay"

Learning Center:

• AI tool (Gemini plugin) for estate planning questions
• Self-empowered but guided
• High school reading level for accessibility

Technical and Security Vision

Post-Quantum Cryptography:

• Built on NIST post-quantum cryptography standards
• Zero-knowledge proofs on Ethereum network
• Worldcoin-style identity verification potential
• Data tokenization possibilities
• Patent filing potential

Biblical Foundation:

• "The parables of Jesus... they're all encrypted. This is why it says if he has ears to hear, let him hear"
• Entire foundation built on the "why" of serving people

Business Model and Market

Target Market:

• DIY investors (millennials and under)
• Robinhood users (25M), Webull users (25M)
• Blossom Social users (500K) - friends and clients
• Rich Habits podcast audience (1000 downloads/month) - friends and clients

Revenue Lines:

1. Insurance marketplace commissions
2. B2B white-label for attorneys and insurance agents
3. Potential acquisition by wealth management firms (Ameriprise, UBS, Morgan Stanley, Merrill Lynch)

Market Research Completed:

• Monkey surveys conducted
• 80% of respondents have $75K+ income (all professionals)
• 65% have done zero estate planning

Funding Status:

• Handful of investors ready for SAFE note round
• Pro forma model built

Gary's Relevant Experience

Autobiographer Project:

• Gary's capstone was a personal AI autobiographer
• Showed Bilal his "side quests" stories feature
• "I would want to know what side quests my grandpa did"

Alignment Discovered:

• Gary interested in legacy preservation and documentation
• Recently discovered great-grandfather was a pastor in China
• Affected his own faith journey in the past 12 months

Gary's Observation on Approach:

• Tying memory preservation to estate planning is "the right way to go about it"
• Distinguishes from "fake immortality stuff that's very not Christian"
• Real voices, real planning, real stories vs. AI avatars that prevent moving on

Partnership Discussion

What Bilal is Seeking:

• Not just engineering hire but true partner
• "Significant equity, strategic core, co-founding partner opportunity"
• Needs to trust in God and find faith-aligned partner

Why Bilal Can't Leave NYSE:

• Maintains influence and access to key wealth management partners
• Daily consultation with heads of major firms
• Strategic position for distribution and potential acquisition

Timeline:

• Probably a year before Bilal could leave current role
• Looking to build and get things in motion with right partner

Funding Available:

• Bilal confirmed he has cash to spend on development
• SAFE note investors standing by for execution

Gary's Response

Initial Interest:

• "I really like where your head's at"
• "This makes a ton of sense to me"
• "I'm a big fan of documentation. I'm a big fan of legacy preservation"

Next Steps:

• Gary to read Bilal's ebook first
• Follow-up conversation about the concept
• "Very open to the possibilities of a pretty significant involvement"
• Exchanged phone numbers for streamlined communication

Personal Connection:

• Gary admitted estate planning feels overwhelming without guidance
• "I don't even know where to start. I'm sure everyone of my generation, younger, has no idea"

Key Quotes

Bilal on his mission:

• "The Kingdom of God is an inheritance."
• "How do I build a solution to actually put GoFundMe out of business?"
• "I'm not doing this for money. I'm doing this to help people."

On the industry problem:

• "When you go to UBS, Morgan Stanley, you have to have an account minimum of $250,000 for them to take the account."
• "Most people, it takes them two years to find all the paperwork. On average."

On legacy:

• "100 years from now, no one's going to know who any of us are."
• "The reason you know the Rothschilds' and Rockefellers' names is because the paperwork is ironclad."

On security and faith:

• "The parables of Jesus... they're all encrypted. This is why it says if he has ears to hear, let him hear."

Gary on the opportunity:

• "Tying it to estate planning is the right way to go about it versus this fake immortality stuff that's very not Christian."

Action Items / Takeaways

• Bilal to email Gary his ebook (pulled from Amazon due to securities compliance)
• Bilal to text Gary his book info
• Gary to read Bilal's book and reflect on the concept
• Schedule follow-up call to discuss potential partnership
• Gary evaluating significant involvement possibility
• Both aligned on faith-driven approach and democratizing access to estate planning tools