Meet Ezra

Peace of mind for every generation.

Estate planning, Medicare optimization, and ongoing financial guidance for your parents and for you, finally affordable for the whole family.

Starts at $29 / month.

$84T

in boomer wealth changing hands, the largest intergenerational wealth transfer in history

10,000

Americans turning 65 every day for the next decade

1 in 3

families has any estate plan at all, most are fully exposed to probate

Built for both of you

Two interfaces. One family.

Ezra works across two generations, the parent navigating retirement and the adult child trying to help without overstepping.

The parent

Elena

65 · Retired homeowner · Has assets, no plan

What weighs on her

Has a home and retirement accounts, but no trust, never knew where to start
Medicare decisions feel overwhelming and seem to change every year
Doesn't want to burden her kids, but can't navigate attorneys and advisors alone
Doesn't use apps, wants something that works how she already communicates

How Ezra helps

Simple texts, no app to download, no portal to log into
One-reply trust generation, Medicare switching, and financial alerts
Everything visible to her daughter, never alone in a decision

The adult child

Linda

48 · Working · Caring from a distance

What weighs on her

Knows her parents need a trust, a Medicare review, and a financial check-up, has no idea how to coordinate it
Zero visibility into her parents' finances, something could slip and she'd never know
Too busy to become an expert, too uncomfortable to keep avoiding it
Doesn't want to pay $5–7K for an attorney until she understands what's actually needed

How Ezra helps

Full dashboard showing her parents' financial picture in one place
Notified of every action, trusts, Medicare switches, IRMAA alerts, before they happen
Ezra handles coordination, no more nagging, no more guessing, no more guilt

How Ezra works

Three things your family needs. One place to handle them.

Trust generation

A draft trust in minutes, not months.

Share your parents' last tax filing and Ezra identifies probate exposure, drafts a revocable trust, and routes it to an attorney for review. 60–70% of homeowning boomer households need one. Most don't have one yet, not from negligence, because no one ever made it easy to act.

~$300 vs. $3–7K through an attorney alone

Share your last tax filing

One tax return contains 90%+ of the financial picture your family needs to act.

Ezra scans for exposure

Probate risk, beneficiary gaps, gifting opportunities, Medicare proximity, all surfaced in minutes.

Attorney-reviewed trust generated

A real revocable trust, reviewed, notarized, protecting your family's assets from probate.

Medicare management

One reply. Recurring savings, every year.

Ezra monitors Medicare plans year-round, alerts your family before open enrollment closes, and switches plans in a single text. It also tracks IRMAA proximity, one dollar over the threshold can trigger a $2,000+ annual surcharge that most families never see coming.

$340+ average annual savings from a single plan review

Ezra · Family Group · Elena, Linda

Ezra

Hi Elena, Medicare open enrollment closes Dec 7th. Your current Part D plan renews at $67/month. I found identical coverage at $39/month, saving you $340/year. Reply YES to switch, NO to keep your current plan.

Elena

YES

Ezra

Switched. New plan starts Jan 1st. Linda has been notified. I'll check again next October.

Linda

$340/year for one text. Thanks Ezra.

Financial co-pilot

Always on. For the whole family.

RMD deadlines, Roth conversion windows, beneficiary designations, gifting exclusions, Ezra monitors these year-round and surfaces alerts before anything slips. Your parents get a simple text. You get a full dashboard. Everyone stays coordinated without anyone having to coordinate.

$180K average preventable loss per family from missed planning

→

RMD deadline monitoring

25% IRS penalty if missed. Ezra flags it with enough time to act, before December, not on December 30th.

→

Beneficiary alignment

Beneficiary designations override the will, silently. Ezra checks they still reflect your family structure.

→

Annual gifting exclusions

$18K per person resets every January. Ezra surfaces unused exclusions before the year closes.

→

IRMAA income proximity

One dollar over the threshold triggers a $2,016/year Medicare surcharge. Ezra warns before any distribution that could push you over.

Savings

How much could Ezra save your family?

Adjust the inputs below. Most families find $8,000 or more in year one alone.

Home value $500K

$100K$2M

IRA / 401k distributions $50K

$0$120K

SS & investment income $45K

$0$80K

Combined MAGI

Medicare surcharge basis

$95,000

Medicare last compared 3 yrs ago

just nownever

Parent's age 67

6085

Social Security status

Estimated first-year value

$20,020

$2,810/year ongoing after year one

Trust & estate planning

Probate avoided — Ezra draft for $300 vs. $3K–7K attorney

$17,200

one-time

IRMAA protection

MAGI within $11K of $106K threshold

$2,400

per year, at risk

Medicare plan optimization

Open enrollment comparison, premium drift detection

$410

per year

Social Security timing

3 years to 70 — optimal delay strategy

$6,840

lifetime delta

Estimates are illustrative. Probate costs typically 2–7% of estate value (3.5% used). IRMAA thresholds are 2025 IRS figures for single filers; MAGI includes taxable IRA distributions, up to 85% of Social Security benefits, pensions, and investment income. Roth withdrawals excluded. Medicare savings reflect national averages for beneficiaries who have not compared plans. Social Security timing assumes 8%/yr in delayed credits. Individual results vary. Ezra does not provide legal or financial advice.