Feature Definitions
Companion document to Pricing Page — Delivery Checklist. Each feature promised on the pricing page is defined here with acceptance criteria so Tim, Jeff, OTB, and Legal share the same understanding of “done.”
Format for each feature:
- What it is — plain-language description
- Done when — the minimum acceptance criteria for launch
- Watch for — gotchas, dependencies, or scope creep risks
Core Household Features
These are available to every household regardless of which advisor tier they’re on.
Full FOCURA Method
What it is: The six-stage guided workflow (Focus → Organize → Capture → Uncover → Ready → Align) that walks a household through estate organization. Each stage has its own screen/section with instructions, inputs, and progress tracking.
Done when:
- All six stages are accessible from the main navigation
- Each stage has an intro explaining what the user will do and why
- Progress indicator shows which stages are complete, in progress, or not started
- User can move between stages freely (not forced linear)
- Each stage saves data independently (no “complete all or lose work”)
Watch for: The stages are a framework, not a rigid flow. Users will skip around. Don’t gate later stages behind earlier ones — a user who wants to start with Capture (documents) shouldn’t be blocked because they haven’t done Focus yet.
Notes: Focus - Just a brief intro screen with some basic questions to ensure full buy in Organize - The main fact finding process - main tables and drill down cards Capture - Tell my story Uncover - Estate mapping, probate and tax calculations Ready - Executor package Align - A summary report and conversation guide for the family
Asset & Account Inventory
What it is: A structured form where the household enters everything they own, owe, and have coverage for. This is the data backbone — the Estate Map, Gap Report, and Executor Brief all pull from here.
Done when:
- User can add entries in these categories at minimum:
- Real estate (address, ownership type, estimated value, mortgage balance)
- Bank accounts (institution, account type, approximate balance, joint/sole)
- Investment accounts (institution, account type, registered/non-registered, approximate value)
- Registered accounts (RRSP, RRIF, TFSA, RESP, LIRA — with beneficiary designation fields)
- Insurance policies (type, provider, policy number, face value, beneficiary)
- Digital assets (accounts, subscriptions, crypto — with institution, URL, username, and notes field. No password field. See Password Manager Export below)
- Personal property (vehicles, collectibles, jewelry, art — with estimated value)
- Liabilities (credit cards, loans, lines of credit — with balance and institution)
- Each entry can be edited, deleted, or marked as “confirmed current” with a date stamp
- Entries that haven’t been reviewed in 12+ months are flagged as potentially stale
Watch for: The temptation is to make this exhaustive (every field a financial planner would want). Resist. The goal is organized enough that an executor can find it, not perfect financial planning data. Keep the entry form simple — advanced fields can be optional expandable sections.
Contact Directory
What it is: A rolodex of the professionals and people involved in the household’s estate — advisors, lawyers, accountants, insurance agents, banks, executor(s), beneficiaries, power of attorney holders.
Done when:
- User can add contacts with: name, role/relationship, firm/institution, phone, email, address (optional)
- Predefined roles: executor, alternate executor, POA (property), POA (health/personal care), financial advisor, lawyer, accountant, insurance agent, banker, beneficiary, guardian, trustee
- Custom roles allowed (e.g., “business partner,” “storage unit contact”)
- Contacts can be linked to specific assets (e.g., “RBC — holds RRSP and joint chequing”)
- Contacts appear in the Executor Brief automatically
Watch for: Privacy. Some users won’t want to store phone numbers or emails digitally. Make fields optional, not required. Also — beneficiary contacts are sensitive; make sure they’re not visible to the executor view unless the user explicitly includes them.
Document Storage
What it is: Secure file upload and organization for estate documents — wills, POAs, insurance policies, deeds, tax returns, etc.
Done when:
- User can upload files (drag-and-drop and file picker)
- Accepted formats: PDF, JPG, JPEG, PNG, WebP
- Files can be tagged by type (will, POA-property, POA-health, insurance, deed, tax return, other)
- Files can be linked to a specific asset or contact
- Files are viewable in-app (PDF viewer, image viewer) without downloading
- Upload size limit is enforced and communicated (suggest 25MB per file)
- Total storage counts against the tier’s storage pool
- Files are encrypted at rest (S3 server-side encryption)
- Files are stored in AWS ca-central-1
Watch for: Users will upload enormous scanned PDFs (50MB+). Set a per-file limit and suggest compression. Also — wills and POAs are legal documents; Focura stores copies, but should display a note: “This is a digital copy for reference. Your original signed documents should be stored securely with your lawyer or in a safe deposit box.”
Photo Uploads
What it is: Ability to upload photos of physical assets — property, vehicles, collectibles, jewelry, art, sentimental items. Distinct from document storage because photos are typically associated with specific inventory items.
Done when:
- User can upload photos from device camera or file picker
- Photos attach to a specific asset inventory entry
- Multiple photos per asset (e.g., 5 photos of a painting — front, back, signature, frame, and where it hangs)
- Photos display as thumbnails in the asset entry, expandable to full size
- Accepted formats: JPG, JPEG, PNG, WebP, HEIC (iPhone native)
- Photos count against the tier’s storage pool
Watch for: HEIC is the default iPhone photo format. If you don’t accept HEIC, half your users will get an error on their first upload. Either accept HEIC natively or auto-convert to JPG on upload.
Password Manager Export
What it is: Focura does not store passwords or login credentials. Instead, it captures digital asset metadata (institution, URL, username, notes) and exports a CSV file the user can import into their preferred password manager (1Password, Bitwarden, LastPass, KeePass, etc.).
Why: Storing credentials creates significant liability. A Focura breach that exposes passwords is an existential event. A Focura breach that exposes “Tim has an account at RBC” is far less damaging. This separation keeps Focura’s risk profile manageable and its privacy policy simple.
Done when:
- Digital asset entries in the inventory capture: institution/service name, URL, username (optional), and notes (e.g., “2FA on my phone,” “recovery email is my Gmail”)
- There is no password field anywhere in Focura
- A prominent prompt appears when entering digital assets: “Store your login credentials in a password manager. We can export a starter file to help you get set up.”
- Export generates a CSV in the universal password manager format:
title, url, username, password, notes— with the password column left blank for the user to fill in after import - One dedicated free-text field is available: “How to access my password manager” — where the user records how their executor can get in (e.g., “Master password is in the sealed envelope in my safe deposit box at TD, Main & King branch” or “My lawyer has the master password”)
- This field appears in the Executor Brief under the Digital Assets section
Watch for:
- The “how to access my password manager” field is the most sensitive single field in Focura. It’s the key to all keys. Consider requiring re-authentication to view/edit it, and encrypting it separately from other data.
- Some users won’t have a password manager and won’t want to set one up. That’s OK — Focura still captures the what (which accounts exist, where they are, who to contact). The executor can work with institutions directly using a death certificate. The password manager export is a bonus, not a requirement.
- Include a brief help article: “Why Focura doesn’t store passwords” — turns a missing feature into a trust signal.
File Type Validation
What it is: Server-side enforcement of accepted file types to prevent unsupported, malicious, or oversized uploads.
Done when:
- Accepted types are enforced on both client-side (before upload) and server-side (on receipt)
- Clear error message when a file is rejected: “This file type isn’t supported. Focura accepts PDF, JPG, PNG, WebP, MP3, and MP4 files.”
- File extension AND MIME type are validated (don’t rely on extension alone — security risk)
Watch for: MP3 and MP4 are listed for Tell Your Story audio/video. If voice recording or video isn’t ready at launch, remove MP3/MP4 from accepted types — don’t accept files you can’t play back.
File Size Limits
What it is: Per-file upload limits to prevent single massive uploads from blowing out storage pools.
Done when:
- Per-file size limit is enforced (suggest 25MB for documents, 10MB for photos, 50MB for audio, 100MB for video)
- Limit is communicated before upload (not after a 5-minute upload fails)
- If a file exceeds the limit, a clear message explains the limit and suggests compression
Watch for: Video is the outlier. A 3-minute iPhone video at 1080p is ~350MB. If video uploads are supported, either compress server-side or set a generous limit with a warning about storage pool impact.
Executor Brief
What it is: An auto-generated, plain-language summary document that gives an executor everything they need to get started. Think of it as the “README file for your estate.” Not legal advice — a practical roadmap.
Done when:
- System generates a document pulling from: asset inventory, contact directory, uploaded documents (listed, not embedded), account locations, and any Tell Your Story notes
- Document is organized in a logical executor workflow order:
- Immediate contacts (lawyer, financial advisor, accountant)
- Location of will and POA documents
- Bank accounts and how to access them
- Insurance policies and how to file claims
- Real estate and ownership details
- Investment and registered accounts
- Digital assets and where credentials are stored (references the password manager — see Password Manager Export)
- Liabilities and recurring obligations
- Personal property and distribution wishes
- Outstanding tasks or known gaps
- Document is exportable as PDF
- Document updates automatically when underlying data changes (not a one-time snapshot)
- Includes a “last updated” date and a “completeness score” (% of fields populated)
Watch for: This is the single most valuable output of the platform. If an executor can pick up this document and know where to start, Focura has delivered on its core promise. Invest heavily here. The Executor Brief should NOT contain passwords, account numbers, or login credentials. Focura does not store credentials (see Password Manager Export). The Brief should reference the user’s password manager and include their “how to access my password manager” instructions — that’s the one key the executor needs.
Executor Task Engine
What it is: A structured checklist of everything an executor needs to do after someone dies, organized by category and roughly by timeline (immediate, first 30 days, first 90 days, ongoing).
Done when:
- At least 30 task categories are present, covering:
- Immediate (secure property, notify employer, locate will, contact funeral home)
- First week (obtain death certificates, notify banks, notify insurance, cancel credit cards)
- First month (apply for CPP death benefit, file insurance claims, notify CRA, notify Service Canada)
- First 90 days (apply for probate if needed, transfer property, close accounts)
- Ongoing (file terminal T1, manage estate accounts, distribute assets, obtain clearance certificate)
- Tasks are pre-populated based on the household’s asset inventory (e.g., if there’s an RRSP, the task “contact institution about RRSP beneficiary designation” appears automatically)
- Tasks that don’t apply can be dismissed or hidden
Watch for: The task list needs to be province-aware. Probate processes differ by province (Ontario’s Estate Administration Tax vs. BC’s probate fees vs. Quebec’s notarial vs. court probate). Don’t present Ontario-specific tasks to a BC user.
Task Deadlines and Status Tracking
What it is: Each task in the Executor Task Engine can be assigned a status and optional deadline.
Done when:
- Three statuses: Not Started, In Progress, Complete
- Optional deadline date on each task
- Overdue tasks are visually flagged
- Progress summary: “14 of 32 tasks complete”
- Filtering by status (show me everything that’s In Progress)
Watch for: Deadlines should be suggestions, not hard limits. The 90-day probate application deadline in Ontario is real, but most executor tasks are “as soon as practical,” not date-specific. Don’t create anxiety with artificial urgency.
Linked Resources on Tasks
What it is: Each task in the Executor Task Engine links to a relevant help article, government form, or guidance note — so the executor doesn’t just see “Apply for CPP Death Benefit” but also knows how.
Done when:
- At least the top 15 most common tasks link to a resource (article, external link, or in-app guidance)
- Resources open in-app or in a new tab (not navigate away from the task list)
- Resources are Canadian-specific (not US forms or UK guidance)
Watch for: External links break. Government URLs change. Plan to audit linked resources quarterly or flag broken links automatically. Also — every linked article must be checked for UPL compliance. No legal advice in the help content.
Estate Map Visualization
What it is: A visual diagram showing how an estate flows from assets → liabilities → taxes → probate → net estate → beneficiaries. The “one picture that shows the whole estate.”
Done when:
- Diagram renders automatically from asset inventory data
- Shows: gross estate value, liabilities deducted, income tax on death estimate, probate fee estimate, net distributable estate
- Beneficiaries shown with their estimated share ($ and %)
- Updates in real time as data changes (add an asset, map updates)
- Visually clear enough to be understood by a non-financial person
- Renders on desktop and tablet (mobile can be simplified view)
Watch for: This is the “wow” feature in advisor meetings. It needs to load fast and look polished. A slow or ugly Estate Map undermines the entire product perception. Also — the numbers are estimates, not financial advice. Include a visible disclaimer: “These figures are estimates for planning purposes only.”
Tax and Probate Side-by-Side
What it is: Within the Estate Map, income tax on death and probate fees are shown proportionally so users can see the relative impact of each.
Done when:
- Income tax on death is calculated based on: deemed disposition of non-registered assets, RRSP/RRIF full inclusion, principal residence exemption applied where applicable
- Uses post-June 2024 capital gains inclusion rate (50% on first $250K, 66.67% above)
- Probate fees calculated by province
- Both displayed in the Estate Map as deductions from gross estate, with clear labels
- Hovering/tapping on either shows a breakdown of how the number was calculated
Watch for: The capital gains calculation is tricky — it requires knowing the cost base of each asset. If cost base isn’t entered, either show “unknown” or use current value as a flag (“You haven’t entered cost base for these assets — your tax estimate may be incomplete”). Don’t guess.
Scenario Modeling (Spouse A / Spouse B / Simultaneous)
What it is: Three views of the Estate Map showing what happens under different death order scenarios. Critical for couples because the outcome can be dramatically different depending on who dies first.
Done when:
- Three scenario buttons/tabs: “If [Spouse A name] dies first,” “If [Spouse B name] dies first,” “Simultaneous”
- Each scenario recalculates: which assets transfer by survivorship, which go through estate, beneficiary designations that change, tax implications
- Joint accounts and jointly-held property are handled correctly (survivorship vs. tenants in common)
- RRSP/RRIF spousal rollover is modeled in the “spouse dies first” scenarios
- Principal residence exemption is applied correctly in each scenario
Watch for: This is where the math gets complex. Joint tenancy with right of survivorship means the asset bypasses the estate entirely — it doesn’t go through probate or the will. Tenants in common means the deceased’s share goes through the estate. Users will not know the difference. The system needs to ask the right question: “How is this property owned?” with clear explanations of each option.
Distribution Visualization
What it is: The final section of the Estate Map showing what each beneficiary actually receives under each scenario — in dollars and as a percentage of the net estate.
Done when:
- Each beneficiary is listed with their estimated inheritance amount
- Distribution reflects will provisions (if entered) or default intestacy rules (if no will)
- Accounts with named beneficiaries (insurance, RRSP, TFSA) bypass the estate and are shown separately
- Total distributed = net estate (validates the math — everything should add up)
Watch for: Users may not have entered will provisions. In that case, show a prompt: “We don’t have distribution instructions on file. Want to add them?” rather than guessing. Also — if intestacy rules vary by province, flag that clearly.
Province-Specific Probate Calculations
What it is: Probate fee calculations using the correct formula for the household’s province.
Done when:
- All 10 provinces and 3 territories have correct probate fee formulas
- User selects province during setup; probate fees auto-calculate
- At minimum, Ontario (Estate Administration Tax), BC, Alberta, and Quebec are verified against current legislation
- Formula and rate are shown (not just the final number) so the user can verify
Watch for: Quebec is different — notarial wills don’t require probate. The system should ask “Was your will notarized?” for Quebec users and adjust accordingly. Also, Alberta has no probate fee cap; Ontario’s formula changed in 2020. Verify against current legislation, not old blog posts.
Province-Specific Capital Gains
What it is: Income tax on death calculations using the correct capital gains inclusion rate, including the June 2024 change.
Done when:
- Capital gains inclusion rate: 50% on first 250K (post-June 25, 2024 rules)
- Applied to deemed dispositions at death (non-registered investments, secondary real estate, business interests)
- Principal residence exemption applied correctly
- Federal + provincial marginal tax rates used (or a reasonable blended estimate)
- User can see which assets are triggering capital gains and the estimated gain on each
Watch for: Cost base is the hard part. Without accurate cost base data, the capital gains calculation is meaningless. Make cost base a required field for investment assets, with a clear explanation of what it means and why it matters. For inherited assets, cost base is fair market value at the date of the previous owner’s death — that’s a nuance most people won’t know.
Registered Account Treatment
What it is: Correct handling of RRSP, RRIF, TFSA, RESP, and LIRA on death — each has different tax and beneficiary rules.
Done when:
- RRSP/RRIF: Full fair market value included in deceased’s income in year of death (unless rolled to surviving spouse or financially dependent child/grandchild)
- TFSA: No tax on death; FMV transfers to successor holder (spouse) or beneficiary
- RESP: Subscriber death handled — successor subscriber or collapse with tax implications shown
- LIRA: Treated similarly to RRSP/RRIF on death — included in income unless spousal rollover
- Spousal rollover is modeled in “spouse dies first” scenarios
- Named beneficiary designations bypass the estate (shown separately in distribution)
Watch for: The RRSP spousal rollover is the single biggest tax planning opportunity on death. Make sure the scenario model clearly shows the difference: “If Spouse A dies first, RRSP rolls to Spouse B tax-free. If Spouse B dies first, $400K RRSP is fully taxable.” That contrast is what makes the scenario model valuable.
Annual Review Reminders
What it is: Automated reminders (email, in-app, or both) prompting the household to revisit their estate organization — update values, confirm contacts are current, review beneficiaries.
Done when:
- Reminder triggers 12 months after last review (or 12 months after account creation)
- Reminder sent via email with a link to log in and review
- In-app banner visible when a review is due
- User can mark the review as “done” to reset the 12-month clock
- Items that are stale (unchanged for 12+ months) are highlighted during the review
Watch for: Don’t bombard users. One annual reminder is helpful; monthly nagging is not. Also — the reminder should feel like a service, not a guilt trip. Suggested tone: “It’s been a year since you last reviewed your estate organization. A quick check-in takes 15 minutes and keeps everything current.”
Trial-Specific Features
Trial Account Creation (No Credit Card)
What it is: An advisor can sign up for a 30-day free trial without providing payment information.
Done when:
- Sign-up form collects: name, email, firm name, province, password
- No credit card required
- Trial begins immediately upon email verification
- Advisor dashboard is available with full functionality (within trial limits)
Watch for: No-credit-card trials have higher sign-up rates but lower conversion. Track trial-to-paid conversion from day one. If conversion is below 15%, consider requiring a card.
Household Limit Enforcement (Trial — 5)
What it is: Trial accounts can add a maximum of 5 households.
Done when:
- Adding a 6th household is blocked with a clear message: “Your trial includes up to 5 households. Upgrade to the Advisor plan for up to 20.”
- The limit is visible in the dashboard: “3 of 5 households used”
Trial Expiry and Conversion
What it is: After 30 days, the trial ends and the advisor is prompted to upgrade.
Done when:
- Day 25: warning email (“Your trial ends in 5 days”)
- Day 30: account enters read-only mode (can view data, can’t add/edit)
- Clear upgrade prompt with pricing shown
- If no upgrade by Day 45: account suspended (data retained for 90 days total)
- Upgrade at any point restores full access immediately
Watch for: Data hostage is a dark pattern. The read-only grace period (days 30–45) lets the advisor show clients their data still exists. Don’t delete anything for at least 90 days — ideally 180.
Data Continuity (Trial → Paid)
What it is: All household data entered during the trial carries over when the advisor upgrades.
Done when:
- Upgrade does not require re-entering any data
- Household count carries over (5 trial households become part of the 20 Advisor limit)
- Documents, photos, and contacts are intact
- Storage usage carries over (trial’s 2GB usage counts toward the new 20GB pool)
Feature Parity (Trial)
What it is: Trial households experience the full FOCURA Method except Tell Your Story and Letter to Executor (those are Advisor tier and above).
Done when:
- All Core Household Features work in trial
- Tell Your Story and Letter to Executor are visible but locked with “Upgrade to unlock” messaging
- The advisor can demonstrate the product to clients without hitting unexpected walls
Watch for: Don’t hide premium features entirely — show them as locked. The advisor needs to see what they’re upgrading to.
Trial Storage Cap (2GB)
What it is: Trial accounts share a 2GB total storage pool across all 5 households.
Done when:
- Storage usage is tracked and visible: “0.4 GB of 2 GB used”
- Upload is blocked when the pool is full, with a clear message and upgrade prompt
- Storage usage carries over on upgrade
Advisor Tier Features ($199/month)
Advisor Dashboard
What it is: A single screen where the advisor sees all their households at a glance — who’s complete, who’s in progress, who needs attention.
Done when:
- List/grid of all households showing: household name, completeness score (%), last activity date, next review date, storage used
- Sortable by name, completeness, last activity, review due date
- Quick visual flags: green (up to date), yellow (review due), red (stale — no activity in 6+ months)
- Click into any household to see their full estate view
- Search/filter by household name
Watch for: This is the screen the advisor lives in. Speed and clarity matter more than features. If it takes more than 2 seconds to load with 20 households, it’s too slow.
Tell Your Story — Guided Prompts
What it is: A series of prompts that help the user attach context, reasoning, and stories to their assets and decisions. Not just “what do you own” but “why does it matter and what should your family know.”
Done when:
- Prompts are available for each asset type and for general estate topics
- Example prompts:
- “Why did you choose [beneficiary] to receive this asset?”
- “Is there anything your executor should know about this property?”
- “What would you want your family to know about this investment?”
- “Are there any conditions or wishes attached to this gift?”
- Responses are saved as text entries linked to the relevant asset or topic
- Responses appear in the Executor Brief
Watch for: The prompts should feel like a conversation, not a form. Tone matters. Test with real people — if the prompts feel clinical or intrusive, they won’t get used.
Tell Your Story — Voice Recording
What it is: The user can record a voice message instead of (or in addition to) typing a response to a Tell Your Story prompt.
Done when:
- Record button available on any Tell Your Story prompt
- Recording is captured in-browser (no app download required)
- Audio saved as MP3 (compressed)
- Playback works in-app
- Recording counts against storage pool
- Maximum recording length enforced (suggest 5 minutes per recording)
Watch for: This is flagged as a Red Flag in the Delivery Checklist. If browser-based audio recording isn’t reliable across Safari, Chrome, and mobile browsers at launch, remove this from the pricing page entirely. A broken voice recorder is worse than no voice recorder.
Letter to Executor
What it is: A plain-language letter from the estate owner to their executor, generated from a guided template. Covers the practical and personal — “here’s where things are, here’s what I’d want you to know, and here’s who can help you.”
Done when:
- Guided template with sections:
- Opening (personal message to the executor)
- Where to find key documents
- Key contacts and their roles
- Important things to know about specific assets
- Wishes not covered in the will
- Closing (encouragement, gratitude)
- User fills in each section with prompts and suggestions
- Letter is exportable as PDF (formatted, not raw text)
- Letter can be printed and signed by the estate owner
- Tell Your Story responses can optionally be included
Watch for: This is emotional content. The template tone needs to be warm and supportive, not transactional. Test the opening prompts with real people. If they can get through it without tearing up a little, it’s probably too clinical.
Gap Report
What it is: An auto-generated report identifying what’s missing, outdated, or potentially risky in the household’s estate organization. This is the advisor’s conversation starter.
Done when:
- Report scans for:
- Missing documents (no will uploaded, no POA uploaded)
- Missing beneficiary designations on registered accounts
- Assets without contact information (who holds the account?)
- Stale data (values not updated in 12+ months)
- No executor named
- No alternate executor named
- Insurance coverage gaps (if Practice tier detection is active)
- Joint ownership without survivorship documentation
- Each gap is categorized by severity: Critical, Important, Nice to Have
- Report is exportable as PDF
- Report updates automatically when gaps are filled
Watch for: The gap report is the core advisor value proposition — it gives them a reason to call their client. Make it visually compelling. A wall of text won’t get used; a dashboard with red/yellow/green indicators will.
Real-Time Scenario Modeling
What it is: The Estate Map scenario toggles (Spouse A / Spouse B / Simultaneous) work fast enough to use live in a client meeting.
Done when:
- Switching between scenarios takes less than 2 seconds
- No page reload — recalculation happens in-place
- Works on a shared screen or projected display without lag
- Numbers update smoothly (ideally animated transitions)
Watch for: If the advisor clicks “Spouse A dies first” in a meeting and there’s a 10-second loading spinner, the moment is lost. This needs to feel instant.
Call Scripts
What it is: A dynamic conversation prep summary generated for each household before a meeting. Highlights what’s changed, what’s due, what gaps exist, and suggested talking points.
Done when:
- Advisor can generate a call script for any household with one click
- Script includes:
- Household snapshot (completeness, last review date)
- Changes since last meeting
- Open gaps (from Gap Report)
- Suggested questions based on gaps
- Upcoming deadlines or review dates
- Printable or viewable on screen during the meeting
Watch for: “Call scripts” can sound salesy. Consider the label — “Meeting Prep” or “Conversation Guide” might land better with advisors who see themselves as professionals, not salespeople.
Print-Ready Reports (Estate Map / Executor Report / Advisor Report)
What it is: Three PDF exports that the advisor can print and hand to a client, share via email, or include in a planning binder.
Done when:
- Estate Map PDF: Visual estate flow diagram with numbers, formatted for letter-size paper, includes disclaimer
- Executor Report PDF: The Executor Brief formatted for print — table of contents, sections, contact details, document checklist
- Advisor Report PDF: The Gap Report formatted for print — gap list, severity, recommendations, with advisor’s firm branding (Practice tier)
- All PDFs include: household name, date generated, “Powered by Focura” footer (or advisor’s branding at Practice tier)
- PDFs render correctly and look professional (not raw HTML-to-PDF dumps)
Watch for: PDF generation quality varies wildly. Test on actual printers. If the Estate Map diagram doesn’t render well in PDF, consider a separate “print layout” for the map. Also — the Advisor Report should NOT include raw data (account numbers, balances) unless the advisor explicitly chooses to include it.
Annual Prepayment (Advisor — 15% Discount)
What it is: Advisor tier can pay annually at 169/month effective) instead of 2,388/year).
Done when:
- Annual billing option is available in Stripe checkout
- Discount is applied automatically (no coupon code needed)
- Renewal date is clear in the account settings
- 30-day advance notice before annual renewal
Overage Billing ($12/household/month)
What it is: When an advisor exceeds their tier’s household limit, each additional household is billed at $12/month.
Done when:
- Advisor is warned when approaching the limit: “You have 18 of 20 households. Additional households are $12/month each.”
- Adding household 21+ is allowed (not blocked) — overage charges apply automatically
- Overage appears as a separate line item on the Stripe invoice
- Advisor can see overage charges in their billing dashboard
- Upgrade prompt: “You have 5 overage households. The Practice tier ($349/month for 50) may be more economical.”
Watch for: The upgrade prompt is important. At 8+ overage households on Advisor (96 = 349) becomes more cost-effective. Surface this automatically — it’s good for the advisor and good for ARPU.
Storage Pool (Advisor — 20GB)
What it is: Advisor tier accounts share a 20GB total storage pool across all households.
Done when:
- Dashboard shows: “X GB of 20 GB used”
- Per-household storage breakdown is visible (so the advisor can see which household is using the most)
- Warning at 80%: “You’ve used 16 GB of your 20 GB storage pool”
- Warning at 100%: uploads blocked, upgrade/add storage prompt
- Additional storage available in 25GB blocks at $10/month
- Storage purchases are handled in Stripe as an add-on line item
Practice Tier Features ($349/month)
Insurance Gap Detection
What it is: The system analyzes the household’s assets, liabilities, income, and existing coverage to flag potential insurance gaps — underinsured, no coverage on a key risk, or lapsed policies.
Done when:
- At minimum, flags:
- No life insurance and there are dependents or a mortgage
- Life insurance face value is less than total liabilities
- No critical illness or disability coverage and household depends on one income
- Policy listed but no expiry date / hasn’t been reviewed
- Gaps appear in the Gap Report with a suggested action (not advice — “Consider reviewing this with your insurance advisor”)
Watch for: This is Red Flag territory. Insurance gap detection can veer into advice if the language isn’t careful. Every flag should say “consider discussing with your advisor,” not “you need more insurance.” Also — if the detection logic isn’t ready, mark this as “Coming Soon” on the pricing page rather than removing the Practice tier.
Co-Branding (Reports)
What it is: Practice tier advisors can upload their firm logo and have it appear on all generated PDF reports instead of (or alongside) the Focura logo.
Done when:
- Logo upload in account settings (PNG, JPG, SVG accepted)
- Logo appears in the header of all PDF reports (Estate Map, Executor Report, Advisor Report)
- Fallback to Focura logo if none uploaded
- Logo renders clearly on both screen and print
Watch for: Logo sizing and aspect ratio will vary wildly. Set constraints (e.g., max 200×80px display area) and auto-scale within the frame. Don’t let a 3000×3000px logo break the PDF layout.
Co-Branding (Materials)
What it is: Beyond reports — can the advisor’s branding appear on client-facing materials (onboarding emails, the household’s dashboard, printed materials)?
Done when:
- Define scope before building. At minimum for V1: reports only
- If expanded: onboarding email header, household login screen welcome message, printed checklist cover page
Watch for: Full white-label is Enterprise. Practice tier co-branding should be limited to reports and specific touchpoints — not a full reskin. Draw the line clearly.
Annual Review Automation (Household-Facing)
What it is: Automated review reminders sent directly to households (not just the advisor) when their estate organization is due for a check-up.
Done when:
- Email sent to the household’s registered email at the 12-month mark
- Email includes: what to review, how long it takes, link to log in
- Advisor is CC’d or notified that the reminder was sent
- Household can complete the review independently; advisor sees the updated data
Watch for: The advisor must stay in the loop. If a household updates their estate without the advisor knowing, it creates a disconnect. Notify the advisor whenever a household makes changes after a review prompt.
Sentimental Asset Inventory
What it is: A dedicated section for personal items with emotional — not just financial — value. Grandmother’s ring, the record collection, family photos, the cabin. Each item can include a story, a designated recipient, and the reasoning behind the choice.
Done when:
- Separate section from the financial asset inventory (different tone, different fields)
- Fields: item description, photo(s), estimated value (optional), designated recipient, reason/story, location
- Items can be linked to Tell Your Story responses
- Items appear in the Executor Brief under a “Personal & Sentimental Items” section
- Recipient can be different from estate beneficiaries (e.g., “I want my nephew to have the guitar, even though he’s not in the will”)
Watch for: This feature is deeply personal. The UI should feel warm — not like a financial spreadsheet. Consider a different visual treatment (softer colors, photo-forward layout). Also — this is where family conflict lives. The “reason” field is important; it helps the executor explain why the ring went to Sarah and not to David.
Priority Support
What it is: Practice tier subscribers get faster support response times.
Done when:
- Support tickets from Practice accounts are flagged/prioritized in the support system
- Target response time: 4 business hours (vs. 24 hours for Advisor tier)
- Practice users see a badge or indicator that they’re on priority support
- If using Intercom/Zendesk/etc., routing rules are configured
Watch for: Don’t promise “priority” without the capacity to deliver it. With a small team, one-tier support with best-effort response is more honest than promising SLAs you’ll miss.
Storage Pool (Practice — 75GB)
What it is: Practice tier accounts share a 75GB total storage pool across all households.
Done when:
- Same functionality as Advisor storage pool, but with 75GB limit
- Additional storage available in 100GB blocks at $30/month
Enterprise Tier Features (Custom)
100+ Household Support
What it is: The system handles 100+ households under one Enterprise account without performance degradation.
Done when:
- Dashboard loads in under 3 seconds with 100+ households
- Search and filter work efficiently at scale
- Reports generate without timeouts
- Storage scales beyond Practice limits (custom allocation)
Watch for: Performance testing. The Advisor dashboard that works great with 15 households may choke at 150. Test with realistic data volumes before promising Enterprise.
Full White-Label
What it is: Complete removal of Focura branding. The firm’s brand replaces everything — logo, colours, domain (optional), email sender, report headers.
Done when:
- Define scope before building:
- Minimum: Logo, primary colour, report branding, email sender name
- Full: Custom subdomain (e.g., estateplanning.firmname.ca), firm’s colour palette throughout UI, custom email templates, no Focura branding visible to end users
- Configuration is done by Focura team (not self-serve) during onboarding
Watch for: Full white-label is expensive to maintain. Every UI change requires testing across all white-label configs. Limit to 2–3 customizable elements at launch. Expand later based on demand.
API Integrations
What it is: An API that allows Enterprise clients to integrate Focura data with their existing systems (CRM, portfolio management, planning tools).
Done when:
- If built: RESTful API with authentication, rate limiting, and documentation
- If not built: Pricing page says “API access available upon request” or “Coming 2027” — not “API integrations included”
Watch for: Do not promise an API unless it exists. API consumers have expectations about uptime, versioning, and documentation that are expensive to meet. This is a roadmap item for most Enterprise deals.
Dedicated Onboarding
What it is: A named person or defined process that walks the Enterprise firm through setup, data migration, training, and go-live.
Done when:
- Onboarding playbook exists (even if it’s a checklist in Obsidian)
- Assigned contact for each Enterprise account during onboarding
- Timeline: 2–4 weeks from contract to go-live
- Training session (live or recorded) for the firm’s advisors
Custom Reporting
What it is: Reports tailored to the Enterprise firm’s specific needs — different layouts, additional data points, compliance-specific formats.
Done when:
- At launch: “custom reporting available” means manual report configuration by Focura team
- Future: self-serve report builder
- Scope is defined per Enterprise contract — don’t promise unlimited customization
Firm-Level Analytics
What it is: Aggregate data across all advisors and households in the Enterprise account — adoption rates, completeness scores, feature usage, storage consumption.
Done when:
- Dashboard showing: total households, average completeness, advisor activity, storage usage, month-over-month trends
- Exportable as CSV or PDF for management reporting
- Does NOT expose individual household data to firm-level admins (privacy)
Watch for: Privacy. A firm admin should see “85% of households have uploaded a will” — not “The Smith family hasn’t uploaded their will.” Aggregate only.
Advisor Matching
Contact Form / Intake
What it is: A form on the website where a household without an advisor can request help getting organized.
Done when:
- Form collects: name, email, province, brief description of what they need
- Submission triggers a notification to the Focura team (not auto-matched)
- Confirmation email sent to the household: “We received your request. We’ll connect you with an advisor within 2 business days.”
Matching Process
What it is: The internal workflow for connecting an unattached household with an advisor.
Done when:
- Process documented:
- Household submits intake form
- Focura team reviews and identifies appropriate advisor type
- Household is matched with an advisor from the network (or in-house)
- Advisor receives the household as a new addition to their account
- Household receives intro email with advisor info and next steps
- Referral fee (if applicable) is tracked and billed to the advisor or professional
Advisor Network (Minimum 3)
What it is: At least 3 advisors have agreed to accept matched households at launch.
Done when:
- 3+ advisors confirmed (signed agreement or verbal commitment)
- At least one advisor per major type (wealth, legal, or accounting)
- Referral terms are documented
Infrastructure
Stripe billing items, security, compliance, and storage infrastructure are defined in the Pricing Page — Delivery Checklist and do not require separate feature definitions — they are configuration tasks, not product features. If any require detailed implementation notes, add them to Focura/Software/ documentation.