FOR BUSINESS-OWNING FAMILIES
The family balance sheet should understand the business that created it.
Your company built the balance sheet. Your balance sheet should understand the company.
Most tools treat the operating company as one line item. In a business-owning family it is the ownership structure, the buy-sell agreement, the personal guarantees, the key employees, the succession plan, and most of the net worth, all at once. ArkLegacy models the company as what it is: the centre of the family's financial life.
01 · THE WEIGHT
What this actually feels like from the inside.
Concentration nobody states plainly
When one private company is half the balance sheet, every family decision is downstream of it. Yet its valuation basis, its age, and its share of the whole usually live in the founder's head, not on paper.
The buy-sell everyone signed and no one reads
Buy-sell agreements quietly go stale: valuations lapse, trustees change, insurance backing drifts. The one document that decides what happens to the company at the worst moment gets the least attention.
Signing authority as a single point of failure
Payroll, banking, and vendor payments often depend on one or two signers. If both are unreachable in the same week, the company and the family find out together, at the worst time.
Succession as a conversation, not a record
Who steps in, who signs, who calls the bank, who owns the relationship with the CPA: in most owner families the answers exist only as intentions. Intentions do not survive an emergency.
02 · TODAY’S WORKFLOW
Where the pieces live right now.
- 01The company financialslive in the accounting system and the controller's head.
- 02The ownership and buy-sell termslive in counsel's document management system, last opened at signing.
- 03The valuationlives in a PDF that ages quietly until a bank or the IRS asks for a fresh one.
- 04The guarantees and signing authoritylive in bank paperwork nobody has inventoried.
- 05The succession intentionslive in conversations that were never written down.
None of these pieces is wrong on its own. The problem is that the whole picture exists nowhere, so the family or one exhausted person becomes the integration layer.
03 · THE ARKLEGACY OPERATING MODEL
The same record, run for this family’s shape.
01
The company on the map
The Family Map draws the operating company inside the family structure: who owns it, through what entity, what it is worth on what evidence, and what depends on it. Concentration is a stated number, not a feeling.
02
Documents with deadlines
The buy-sell, the valuation certificate, the signer list, and the key-person coverage each carry an owner and a freshness rule. When the valuation behind the buy-sell goes stale, that is a tracked item with a due date, not a surprise.
03
Decisions on the record
Distribution approvals, signer changes, and restatements run through a decision queue with evidence attached, so the board minute, the bank form, and the family record stop being three different stories.
04
Succession as a working file
Who steps in, what they can access, and which professional reviews each step is recorded and permission-scoped, so readiness is checkable rather than assumed.
ALREADY IN THE PRODUCT · EXPLORE EACH IN THE LIVE DEMO
- Family MapOwnership of the company, entities, property, and accounts as one structure.OPEN
- Entity registersResolutions, signers, and filings per entity, including the operating company.OPEN
- Decision queueApprovals and signatures with owners, due dates, and evidence.OPEN
- Continuity readinessSigners, fiduciaries, and the emergency package, scored with gaps named.OPEN
- AI MonitorWhat changed, what is stale, and what deserves attention, every claim cited.OPEN
04 · SITUATION-AWARE AI, SHOWN HONESTLY
What the AI sees in a record like this one.
Illustrative example, computed from the same synthetic family record the live demo runs on. Every claim cites the record behind it; missing information is named instead of guessed; the professional who should review the next step is part of the answer.
THE QUESTION
“What should we close out before we sign the buy-sell restatement?”
The restatement is drafted and waiting for signature, but the independent company valuation it references was issued in December 2025. If you want the certificate current at signing, the refresh has to be ordered first.
LA-6E10E3The operating account has two authorized signers, and both being unreachable stops payroll. An emergency signer addition is already open in the queue; completing it before the signing removes a known single point of failure.
K13LA-7The company stake is 60.4% of gross assets against a $24.05M net worth. That concentration is a fact to plan around with your advisors; it is stated here, not judged here.
E3H-MFC
WHAT THE RECORD DOES NOT KNOW
The current draft signature status at counsel and any bank requirements for the signer change are not in the record yet.
WHO SHOULD REVIEW THE NEXT STEP
corporate counsel and the estate attorney
Honest status: this intelligence is deterministic and computed only from the family’s own record. No external AI provider is active in the current preview, and nothing here is generated by one. Guidance is informational and permission-aware; it is never legal, tax, investment, or insurance advice.
05 · PRIVACY, PERMISSIONS, AND BOUNDARIES
Who sees what, and where the product stops.
- Principal (owner)Everything, including valuations, the buy-sell, and the decision queue.
- SpouseThe whole structure and record, without day-to-day company operations noise.
- Controller / CFOCompany financials, filings, signer records, and the items they own.
- Estate attorneyGoverning documents, fiduciary roles, and the decisions that touch them. Nothing else.
Access is role-scoped, explicit, and logged; family records are context for the family’s own questions, never training material. ArkLegacy coordinates information and action across the family and its professionals. It does not replace legal, tax, investment, or insurance professionals, and consequential actions stop and wait for a person.
06 · ASKED PLAINLY
Questions this audience actually asks.
- Does ArkLegacy value my company?
- No. ArkLegacy records the valuation your professionals produce, with its basis and its date, and tells you when it has gone stale by your own freshness rule. It never generates a valuation or an opinion of value.
- We already have a controller and a CPA. What does this add?
- Your controller runs the company and your CPA runs compliance. Neither owns the family-level picture: ownership, concentration, guarantees, succession, and the documents behind them. That connective layer is what the family itself usually carries in memory, and it is the layer this product makes durable.
- Can it decide whether we should sell or diversify?
- No, and it will not pretend to. It states concentration, liquidity, and readiness as facts with sources, frames the questions, and routes them to your wealth advisor and counsel. Investment decisions stay with you and your professionals.
- What happens to the company record if something happens to me?
- That is the point of the continuity layer: signers, fiduciaries, access, and the emergency package are recorded, permission-scoped, and reviewable in advance, so the people who step in inherit a record instead of a search.
See it before you share anything. Then decide.
The live demo runs entirely on a synthetic family, so you can walk every surface first. Private preview; membership is by invitation and a person reviews every request.