Illustrative family record

An example Life File.

What exists, where to find it and what still needs attention.

Alex and Jamie Smith · Record date: 8 September 2026

Fictional example — not a client record.

This uses the family from the illustrative Wealth Map. Document locations, contacts, deadlines and walkthrough outcomes below are invented additions to demonstrate the Life File component. The index is an example extract, not a legal opinion or confirmation that arrangements are suitable.

Illustrative example · All people, locations and actions are fictional.

Start here.

The record helps a chosen person find information and the right professional. It does not authorise them to access private accounts or transact.

Temporary unavailability

Use only information and permissions already agreed. Find the relevant contact and the household payment record. Do not use another person’s banking credentials.

Loss of capacity

Contact the relevant healthcare practitioner and legal adviser. Confirm who can act and under what authority; do not assume an existing financial power of attorney remains effective.

After a death

Locate the original will and contact the nominated executor or estate professional. Appointment and authority must be established before dealing with estate assets. Ask promptly about reporting requirements.

For Alex’s information: Jamie is the first contact for the limited information Alex has agreed to share. For Jamie’s information: Alex is the proposed first contact; her sharing choices are still to be agreed. Proposed fallback: Sam, their adult child; scope and access remain unconfirmed.

Locator: family folder, Start here tab. A separate contact card is intended for the fallback helper; it has not yet been provided.

Important open point: the family has cash today, but the amount the survivor could lawfully access after death is unconfirmed.

Records and actions.

Each entry separates the location from what has been established and the next action. A located copy can still leave the original, current version or legal position unconfirmed. Select a record to see the detail.

Wills and original documentsOriginal location unconfirmed

Relates to: Alex and Jamie, separately
Where it is held: Alex: signed copy in the family folder, Legal tab. Original custodian unconfirmed. Jamie: current version not yet supplied.
What is established: Alex’s copy sighted in this fictional case; current originals and legal validity not confirmed.
Contact route: Each spouse’s attorney; contact card in the family folder

Next step

Each spouse to ask their attorney to confirm the latest executed version and where the original is held. Discuss any change in wishes or circumstances.

Owner: Alex and Jamie · Due: 15 September 2026

Banking and household paymentsAccess unconfirmed

Relates to: Alex’s and Jamie’s individual accounts; household commitments
Where it is held: Current bank statements in their respective client folders. Essential payment schedule not located by Jamie.
What is established: Wealth Map records cash today of R600,000: Alex R200,000 and Jamie R400,000. Access during life is assumed; access after death is unconfirmed.
Contact route: Bank service team and relevant legal adviser; contacts to be added

Next step

Locate the payment schedule. Confirm lawful access and the effect of the marital-property position with the bank and relevant legal adviser. Keep survivor money separate from the estate-liquidity assessment.

Owner: Alex and Jamie · Due: 18 September 2026

Alex’s life policyCurrent records requested

Relates to: Alex is the insured person; Jamie is nominated; policy owner unconfirmed
Where it is held: Older policy schedule in the family folder, Cover tab. Current schedule and nomination acknowledgement requested.
What is established: The Wealth Map illustrates conditional cover of R2 million. Ownership, terms, cessions, claim acceptance and timing are unconfirmed. This is not cash currently available.
Contact route: Policy provider or existing adviser; contact card in Cover tab

Next step

Ask the provider for the current schedule, owner and cession details, and acknowledgement of the nomination. Identify any further advice question after reviewing those records.

Owner: Alex · Due: 15 September 2026

Retirement benefits and nominationsNomination records unconfirmed

Relates to: Alex’s and Jamie’s own retirement interests
Where it is held: Account statements located in each person’s investment folder. Current nomination acknowledgements not located.
What is established: The Wealth Map uses assumed member-account values. Current nomination records and the rules applying to each benefit remain unconfirmed. The document locations are fictional additions.
Contact route: Relevant fund administrator or provider

Next step

Each member requests their current nomination records. Confirm the relevant product and fund rules; a nomination is not a guarantee of entitlement.

Owner: Alex and Jamie · Due: 18 September 2026

Living wills and healthcare instructionsLocation not recorded

Relates to: Alex and Jamie, separately
Where it is held: No current document location recorded in the index.
What is established: Wishes and any healthcare mandate have not been established in this fictional example. Absence from the index does not establish that no document exists.
Contact route: Each person’s healthcare practitioner

Next step

Each spouse considers their wishes with the relevant healthcare practitioner and, where needed, legal adviser. Record the resulting document location and chosen contact if established.

Owner: Each spouse · Due: 22 September 2026

Smith Family Trust recordsSpecialist confirmation required

Relates to: The trust and its authorised trustees; Alex’s loan claim is separate
Where it is held: Deed copy located with the trust records. Completeness of amendments and current authority records unconfirmed.
What is established: The Wealth Map records an R800,000 loan owed to Alex at assumed face value. Recoverability is untested. The trust property is not included in household assets; possible benefits for Jamie and Sam are unvalued.
Contact route: Trustees and the trust’s professional adviser

Next step

Ask the authorised trustees to identify the current deed and amendments, letters of authority, relevant resolutions, loan records and beneficial-ownership filing reference.

Owner: Alex to raise with the authorised trustees · Due: 22 September 2026

Smith Trading agreementsAgreement not supplied

Relates to: Jamie’s 25% ownership interest
Where it is held: Shareholder agreement referenced; current document not supplied.
What is established: Jamie’s business income contributes R30,000 of the household’s R90,000 monthly take-home income. Restrictions, saleability and income resilience remain untested.
Contact route: Company records custodian, attorney and accountant

Next step

Locate current ownership and shareholder records and any succession or funding agreements. Identify questions for the business’s legal and accounting advisers.

Owner: Jamie · Due: 22 September 2026

Authority and secure access arrangementsPermissions to be clarified

Relates to: Each adult’s own information and permissions
Where it is held: Location of any financial power of attorney or other mandate not yet recorded. No passwords or recovery codes are included.
What is established: Alex agreed to share the will copy and policy contact card used in Jamie’s illustrative walkthrough. Wider sharing, Jamie’s own arrangements and Sam’s fallback access remain unconfirmed. Naming a helper does not establish transaction authority.
Contact route: Relevant institution and legal adviser

Next step

Agree the scope of any further sharing and record the contact route for each adult. Obtain advice on authority for the relevant circumstances; do not assume an ordinary financial power of attorney continues through loss of capacity.

Owner: Alex and Jamie · Due: 18 September 2026

Could someone else use it?

The walkthrough checks whether the chosen person can find essential information without relying on the person who assembled the file. It can be used by an individual with a trusted person or by a couple. If no fallback is agreed, keep that visible as an open item. Household agreement does not grant access to underlying trust, company or healthcare records; the relevant permissions still apply.

Fictional walkthrough outcome

Located, with Alex’s agreement: Jamie finds Alex’s will copy and the policy contact card without prompting. This does not settle the original will’s location or the current policy terms.

Still unresolved: Jamie cannot locate the essential payment schedule. Alex will identify and explain it by 18 September 2026.

Fallback not yet checked: Sam is unavailable for the walkthrough. Alex and Jamie will agree the information to share and arrange a separate walkthrough by 22 September 2026. Until then, fallback access remains unconfirmed.

If a record cannot be found or a helper cannot participate, retain the unresolved status and agree a revised next step and date.

Keeping the record current.

Alex and Jamie retain the index and update it when circumstances change. Their next planned check is 8 September 2027, with earlier updates after a significant family, financial, health or business change.

Check versions and original locations; identify new or closed accounts and changed contacts.
Revisit beneficiary records and changed family responsibilities with the relevant provider or specialist.
Confirm what each adult agrees to share and whether the helper and fallback can still find it.
Review every unresolved action, its owner and date. Record what changed and what remains unconfirmed.
Reissue dated copies to the agreed recipients and manage superseded copies appropriately.

ClearGauge follow-up or an annual refresh applies only where included in an agreed ongoing service. A once-off review does not provide continuing monitoring.

Part of the wider review.

The Wealth Map shows the family’s financial picture. This index locates selected supporting records. The review action plan sets out matters needing attention. Original documents, provider records and applicable legal authority remain the sources for the underlying arrangements.

A missing record does not by itself establish a need for a new product or a change of provider. Legal drafting, medical decisions, specialist confirmation and implementation require the relevant professional and agreed scope.