Help clients close the gap between authority and access.
You have seen it: the documents are in order, the people are named, and still nobody can get in. KCO is the part that makes the access your instruments assume actually exist.
A perfectly drafted trust cannot reset an MFA token.
Legal authority and system access are two different things, and only one of them is written down. An executor can hold every document a court could ask for and still be stopped by a six digit code sent to a phone nobody can unlock.
That gap is not a drafting problem, so it cannot be drafted away. It is an operational one, and it is closed by documenting the pathways in advance: who acts, in what order, with which materials, held where.
- Authority is granted.
- A will, a trust, or a power of attorney names who may act and establishes that they are entitled to.
- Access is executed.
- Someone sits down at a screen and proves they are permitted, to a system that has never heard of the document.
- Continuity is both.
- Authority without an operational pathway is potential. A playbook is what makes it executable.
The professionals we work alongside
We are brought in by the people already advising a household, usually at the moment the digital side of an estate turns out to be unmapped.
Estate planning attorneys
You draft the authority. We make sure the systems that authority points at will actually open for the person holding it.
Wealth advisors and financial planners
You already ask where the assets are. This is the same question applied to the accounts, devices, and credentials those assets sit behind.
Family office managers
Several households, several sets of systems, and no consistent record of who can reach what. We build that record and keep it current.
Trustees and executors
You are expected to act, often with no map and no way in. We produce the map before it is needed, and the procedure for using it.
What your client ends up holding, and who holds it
Four artifacts come out of the work. They are deliberately separated, so that no single document and no single person is the key to everything.
Continuity Map
What exists, why it matters, which accounts depend on which, who is authorized to act, and where the recovery materials are kept. It holds pointers, never secrets.
Your client, and their trusted contacts, according to role
Authority Packet
Designations and consent, references to the legal authority that governs them, a power of attorney and estate checklist, and a log of which platform legacy tools have been configured.
You: the attorney, executor, or estate fiduciary
Recovery Packets
The actual recovery codes and sealed materials, segmented so that no single packet opens everything.
Your client's safe, your firm, or a professional custodian. Never KCO
Activation Playbooks
The step by step procedures for each scenario: incapacitation, death, a lost device, or an account someone else has reached. Delivered as the Digital Recovery Playbook.
Trusted contacts and the advisor
The Authority Packet is the one built for you. It is the record of what was designated, what consent was given, which legal instruments govern it, and which platform tools have already been configured, so that your file and the client’s systems say the same thing.
Defined roles, assigned deliberately
Your client decides who does what, and each person is told only what their role requires. One person may hold more than one role, and many households name a different person for each.
Continuity Contact
Knows a plan exists and knows how to reach us. Holds nothing.
Recovery Contact
Holds one recovery factor and assists. One factor, never the set.
Legacy Contact
Acts through the platforms' own tools, such as Apple's Legacy Contact or Google's Inactive Account Manager, which are configured in advance.
Fiduciary or Legal Agent
Acts with legal authority, and may need a death certificate, letters testamentary, a power of attorney, or a court order to do it.
Where the plan is reachable through the client portal, each person sees only their own level. The levels that touch sealed recovery material are procedural rather than digital: the portal shows the instructions, never the materials. No digital system is ever the sole thing standing between someone and a recovery packet.
If your client loses their phone, their primary email, and their password manager on the same day, can the person you named still determine the next action?
A plan is not finished until every recovery path ends somewhere the emergency itself has not taken away. Most improvised arrangements fail this quietly: the instructions live in the email account, or the codes live in the password manager, or the one person who knows is the person who is unavailable. We treat it as the completion gate, not as a nice result.
Where we stop, in writing
We are the technical steward of the system, and only that. It matters to you, because it determines what your client is exposed to by working with us.
We never hold the materials
No passwords, no recovery codes, no seed phrases, not at any point. If a client asks us to keep them, the answer is no, and we help them choose a proper custodian instead: their own safe, your firm, or a professional fiduciary.
We do not replace your advice
We do not draft, interpret, or opine on instruments. We work from the authority you have established and make the systems match it.
Nobody holds everything
The separation between the map, the authority record, and the sealed materials is the design, not an inconvenience. It is what makes the arrangement safe to leave in place for years.
Nothing is installed or watched
No software on their devices, no standing access to their accounts, and no connection left running when an engagement ends.
Bring us the situation you are working through.
Tell us about the client circumstance in front of you. We will come back with how we would approach it and where the edges of our work sit, whether or not it turns into an engagement.