Most families think the plan is in place because the accounts exist, the advisor knows the portfolio, and the will or trust has been signed. Then something happens. A parent is unconscious. The bills are due. The hospital needs answers. And the people who love them most discover they do not know where the money is, who to call, or what they are allowed to touch.

Martha Underwood lived that version of the problem after her father fell from a roof after Hurricane Irma. Her mother knew pieces of the picture, but not enough to operate under pressure. Martha and her sister started cataloging assets, bills, liabilities, documents, and access points because the family was spread across states and needed a system that could work even when the person with the answers was unavailable.

That experience became the foundation for Prismm, a digital vault platform built around wealth transfer and legacy planning. This conversation gets into the part of planning that paperwork alone does not solve: who gets access, when they get it, and how much they should see. Not every child or sibling needs the same information. But the right trusted person needs the right information before the crisis turns everyone's brain to static.

Craig and Martha also unpack why beneficiary records can matter more than families assume. A will or trust may express the intent, but stale or missing beneficiary designations at the institution can create a very different outcome. For advisors and estate attorneys, that makes the vault less of a convenience tool and more of a relationship-protection system for the next generation.

Want to learn more about Martha Underwood's work? Visit Prismm at http://getprismm.com.

Connect with Martha Underwood on LinkedIn at https://www.linkedin.com/in/marthaunderwood/.

You can also reach Martha directly at martha@getprismm.com.

Think you'd be a great guest on the show? Apply at https://fiduciaryalchemy.com/podcast/apply/.

Want to learn more about Craig Andrews' work? Check out https://fiduciaryalchemy.com/.