The Fairness Engine
Blended families, step-children, multiple marriages. The modern family is not simple - Heirloom turns emotional guesswork into clear, documented decisions.
"Fair" does not always mean "equal."
You paid for one child's private college education. Another child got a scholarship and never needed help. A third child received a down payment for their first home. Is splitting your estate equally really fair?
Most families avoid this conversation because the math is emotional. Who got more? Who sacrificed? Who was there when it mattered? These are not spreadsheet questions. They are family questions.
Heirloom captures every dollar that flows to each family member over their lifetime, so when it is time to make final decisions, you have facts instead of feelings to guide you.
Lifetime Support Tracker
Child A
Child B
Fairness Engine identifies a $207k disparity and adjusts the final distribution accordingly.
Built for Blended Families
Second marriages, step-children, half-siblings, children from prior relationships. Heirloom does not judge your family tree. It maps it, protects it, and helps you plan for every branch.
Step-Children
In most states, step-children inherit nothing automatically. If you have not formally adopted them or named them in your will, the law treats them as strangers. Heirloom flags this immediately and helps you fix it.
Ex-Spouse Protections
After a divorce, old beneficiary designations, life insurance policies, and retirement accounts may still name your ex. Heirloom surfaces these hidden landmines so nothing goes to the wrong person.
His, Hers & Ours
When both spouses bring children from prior relationships, who gets the family home? What about assets accumulated together versus separately? Heirloom maps these layers clearly, eliminating confusion.
Minor Children Protections
If something happens to both parents, who raises the kids? Who manages their money until they are old enough? These are separate decisions. Heirloom makes sure you have made both, and that they are documented.
The Family Ledger
Most family arguments about money are not really about money. They are about what was never written down.
"Dad helped you buy your house." "Mom always spent more on your kids." "Nobody told me about the loan." These conversations happen at the worst possible moment, usually after someone has passed, when nothing can be clarified.
The Family Ledger is a private, running record of every financial decision that touches your family. Who received what, when, and why. No surprises. No guessing. No "he said, she said."
You decide who can see what. Some families share openly. Others keep the ledger private until the time is right. Either way, the record exists.
Family Ledger
The Conversations Nobody Wants to Have
Heirloom does not make awkward topics disappear. It gives you a structured way to address them, so the conversation happens on your terms, not in a courtroom.
"What if I want to leave one child more than the others?"
That's your right. Maybe one child has special needs. Maybe one child is a caregiver. Maybe one child already received significant support during your lifetime. Heirloom documents your reasoning so your wishes are clear and defensible, reducing the chance of challenges or hurt feelings.
"My kids don't talk to each other. Will this make it worse?"
Family conflict usually escalates when there is ambiguity. "Why did she get the house?" is a question that destroys families when there is no answer on record. The Family Ledger provides the answer before the question gets asked. Transparency is not always comfortable, but it is always better than the alternative.
"I remarried. How do I protect both my new spouse and my children from my first marriage?"
This is one of the most common and most dangerous gaps in family planning. Without the right structure, your surviving spouse could unintentionally cut out your biological children, or vice versa. Heirloom shows you exactly how different scenarios play out so you can build a plan that protects everyone.
"One of my children has a substance abuse problem. I love them but I cannot leave them cash."
Loving someone and trusting them with a large sum of money are two different things. Heirloom helps you explore structures where your child is still provided for, like a spendthrift trust with a designated manager, without putting cash directly in their hands. Your love is unconditional. Your financial plan does not have to be.
Scenario: Second Marriage with Children
If you do nothing:
With Heirloom's plan:
See What Happens Before It Happens
Heirloom's Scenario Simulator lets you model different family situations and see the outcomes side by side. What if you do nothing? What if you create a trust? What if you update your beneficiaries?
No surprises. No "I did not realize." Just clarity about what will actually happen based on your current plan, and the power to change it before it is too late.
Every scenario uses real laws from your state. This is not guessing. It is modeling.
Your family. Your rules.
You control who sees what. Share the full picture with your spouse. Share a summary with your children. Keep certain details private until you are ready. Heirloom adapts to how your family communicates, not the other way around.
Full Visibility
For you and your spouse. The complete picture with every detail.
Summary View
For adult children. Share enough to build trust without revealing everything.
Private Until Ready
Keep your plan locked until you choose to share. Your timeline, not theirs.
Also explore
Heirloom grows with your family.
Outsmart State Law
Without a will, your state decides who gets your assets. Simulate intestacy rules and build a plan that reflects your wishes.
Learn more →For Young ParentsThe 18-Year Runway
Give your kids every advantage without spoiling them. Track gifts, set milestones, teach intentional giving.
Learn more →Every family is complicated. Your plan does not have to be.
The Fairness Engine takes the emotion out of the math and puts the intention back into your decisions. Start building a plan that works for your whole family, not just the simple version of it.
10-day free trial. See how the Fairness Engine works for your family.