Good evening, the Smith family
One shared picture — kept current for grandparents, parents, and children.
Projected trajectory
Illustrative onlyNext best actions
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Top up Noah's 529$150/mo keeps him on track for in-state.
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Add Emma as an authorized userStart her credit history safely at 16.
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Meet your matched advisor15-min intro — no cost, no obligation.
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Review the 2030 gifting milestoneGrandparents' annual-exclusion plan.
Everyone in the picture
Manage members →Figures and names shown are illustrative placeholders generated for this preview. Nothing here represents real balances, projections, tax outcomes, or guarantees.
Family members
Everyone in one place — each with the right level of access for their generation.
Add a family member
Interactive preview — nothing is saved.
Preview only — no data is stored or transmitted.
Three generations, one secure picture
Grandparents mentor and gift, parents coordinate, and children learn in a safe "education mode" that reveals more as they grow. Everyone sees exactly what's right for them — no spreadsheets, no group texts, no guesswork.
Legacy & mentoring
Pass down hard-won wisdom — not just assets. Reavo makes the handoff of knowledge as deliberate as the handoff of wealth.
The legacy ladder
Mentor pairings
Reavo pairs a mentor with a learner and gives them a shared, age-appropriate track.
Values & letters
The part most plans forget: why the money exists. Record the stories and intentions that travel with the wealth.
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Family purpose statement"We build so each generation can take a bigger risk than the last."
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Recorded lessons3 short stories from Robert, saved for the grandkids.
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Milestone lettersSealed notes that open at 18, first home, and first child.
Education, literacy & earned responsibility
Financial literacy is the engine of a strong family. We teach it by doing — and as each child masters the fundamentals, they earn more responsibility for real money, real decisions, and one day, real ownership.
Financial literacy, learned by doing
Lectures don't stick — experience does. Reavo turns money lessons into real-world application and playful, game-like challenges, so kids actually want to learn. Every skill is practiced with real (guarded) tools, not just quizzes.
Next benchmark: "Credit, used as a shield" — passing it unlocks her first co-signed card.
Next benchmark: "Save before you spend" — passing it unlocks a bigger allowance to manage himself.
Responsibility is earned, not handed over
You decide the milestones. Reavo makes each one gated behind a benchmark — so more responsibility only transfers when a family member has proven they're ready for it.
Milestones and benchmarks are fully customizable by the family. Illustrative preview — nothing here is real financial data or advice.
529 college funds
College-bound funds for every child — tracked against a real goal, not a vague hope.
State tax perks
Many states deduct 529 contributions — Reavo flags yours automatically.
Superfunding
Grandparents can front-load 5 years of gifts at once — modeled here before you act.
Leftover? Roll to Roth
Unused 529 dollars can seed a child's retirement, within limits.
Educational illustration only — not tax advice. Rules and limits vary by state and change over time; confirm with a qualified professional.
Credit & money skills
We teach the next generation to use credit as a tool and a shield — responsibly, from day one.
Why we teach credit, not debit
Fraud expert Frank Abagnale on why a credit card is safer than a debit card — the lesson we build into every child's track.
Video © its creators, shown via YouTube. Reavo is not affiliated with, and makes no claim over, this content.
The Smith house rules
- ✓
Credit over debit. A credit card puts the bank's money — not yours — between a fraudster and your account.
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Pay in full, every month. The card is a convenience and a shield, never a loan.
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Under 30% utilization. Reavo nudges before a statement posts.
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Reavo picks the best card for each purchase — the Wingman does the optimizing so a teen doesn't have to.
The credit-building path
A safe, staged on-ramp — each step unlocks at the right age.
Wealth-transfer milestones
Timed, intentional handoffs — so wealth passes when it should , to people ready to receive it.
Grandparents gift within the annual exclusion into the kids' 529s each year.
Custodial account transitions; a milestone letter opens; first budgeting review.
529 disbursements timed to tuition; leftover balances flagged for Roth rollover.
Staggered so wealth arrives alongside maturity — not all at once.
Wills, POAs, and beneficiaries reviewed; the family purpose statement travels with the assets.
Illustrative timeline. Estate, trust, and gifting strategies must be designed with qualified legal and tax professionals.
Advisors & offices
When your family is ready for a human, Reavo recommends the right professionals for your wealth level — matched on fit, never sold to the highest bidder.
Your recommendation tier
Affluent · $1.24MYour flight crew
Reavo represents a full suite of professionals — and coordinates them so nothing falls through the cracks.
Financial advisor (CFP®)
Planning, investing, retirement. Matched & recommended now.
RecommendedCPA / tax pro
529 deductions, gifting, and returns. Suggested at tax time.
SuggestedEstate attorney
Wills, trusts, POAs, beneficiaries. On deck as assets grow.
On deckInsurance specialist
Life & protection sized to the plan.
On deckMulti-family office
Full coordination for complex estates. Unlocks at higher tiers.
Higher tierMeet your match
A 15-minute intro with your recommended advisor — no cost, no obligation.
Request an intro →Recommended for the Smith family
Illustrative
Profiles are illustrative placeholders. Real matches are made from Reavo's advisor network as the family opts in; placement can't be bought.
Documents & vault
The governance and paperwork that protect the plan — in one secure place, encrypted and anchored to the XRP Ledger , shared with exactly the right people.
Vault completeness
63% complete🏛️ Family governance
The layer above the paperworkGovernance is how your family makes decisions — the shared rules, roles, and rhythms that keep money from dividing you. It's the piece most families skip, and the reason wealth so often doesn't survive three generations.
What it is: A short, living document of your family's shared values, purpose, and ground rules for money.
Why it matters: Aligns everyone on the "why" behind the wealth and prevents conflict before it starts.
What it is: Who decides what — trustees, guardians, account owners, and each person's level of access.
Why it matters: Removes guesswork in a crisis and lets responsibility transfer cleanly as members earn it.
What it is: A regular cadence to review the plan together, plus a record of what was decided.
Why it matters: Keeps every generation informed and turns big decisions into shared, documented ones.
What it is: The step-by-step for who takes over, and how, if something happens to a decision-maker.
Why it matters: Protects the family from chaos, delay, and costly probate at the worst possible time.
🗂️ Essential documents
Everyone, everything, in one placeThe records your family will actually need — for identity, travel, emergencies, and passing on what you've built. Each one is encrypted and access-controlled.
What it is: Each adult's legal instructions for their assets and their children's guardianship.
Why it matters: Without one, a court — not you — decides. Reviewed 2025.
What it is: Names who can act on financial and healthcare decisions if you can't.
Why it matters: Lets a trusted person step in instantly, without a court battle.
What it is: Rules that control when and how wealth passes to the next generation.
Why it matters: Times inheritances to maturity and keeps assets out of probate.
What it is: Who inherits retirement accounts and insurance — which override your will.
Why it matters: Outdated beneficiaries are one of the most common, costly mistakes.
What it is: Certified birth records for every family member.
Why it matters: Proof of identity needed for passports, benefits, school, and estate matters.
What it is: Current passports (and expiry dates) for the whole family.
Why it matters: Proof of citizenship and the key to travel and emergencies; Reavo flags renewals.
What it is: Driver's licenses, state IDs, and Social Security cards for each member.
Why it matters: Core identity documents for accounts, employment, and benefits.
What it is: Life, health, home, and auto policies with coverage amounts and contacts.
Why it matters: The safety net your family reaches for first — easy to find when it counts.
What it is: Deeds, vehicle titles, and records of what the family owns.
Why it matters: Proves ownership and makes transfers and estate settlement far simpler.
🔐 Secured by XRP Ledger blockchain
Tamper-evidentYour documents themselves stay private and encrypted. What we put on the blockchain is a cryptographic fingerprint of each file — anchored to the XRP Ledger so its existence and integrity can be proven, without ever exposing the contents.
Illustrative of Reavo's security approach. Blockchain anchoring proves document integrity and timing; it does not replace legal validity, and originals should still be kept per your advisor's guidance.