For financial advisors
When your client dies, their family calls you first — and you can't find the accounts either.
Passing-On is the record your clients should already have: every institution they hold money with, and how their family claims it. It keeps the assets you manage findable, and it puts your name in front of the next generation at the exact moment they decide who to keep. We pay 20% recurring on every client you refer.
Apply to the programmeA person replies within two business days. No automated sequence.
The bereavement problem is your retention problem
You already do this work. A client dies, the family arrives with a shoebox, and you spend unbilled weeks helping them work out what existed. Meanwhile the assets you never knew about — an old workplace pension, a second bank, a brokerage account opened in 2011 — go unclaimed or get found by somebody else.
$70bn+
sits unclaimed in US state custody
National Association of Unclaimed Property Administrators
67%
of Americans have no estate plan
Gallup / CNBC
6–12 months
typical probate timeline
ACTEC
What it changes for your practice
The assets you manage stay findable
Your client records which institution holds what, and what a beneficiary has to do to claim it. When the family comes to you, they arrive with a list instead of a search — and nothing quietly drifts into state unclaimed-property custody.
The heirs learn who you are before they decide
Your client writes the claim instructions for each account, and that is where your name and number sit. When the vault is released, the next generation reads a document that says who has been looking after this money. That is the introduction most advisors never get.
It surfaces the accounts you were never told about
Clients fill in the vault honestly because it is not a sales form. The gaps it exposes — a dormant pension, an inherited IRA, a crypto wallet — are exactly the conversations that turn an annual review into new assets under management.
It is a record-keeper, not a competitor
Passing-On does not advise on investments, hold client money, or replace a will. It stores where things are. Nothing in it competes with what you do, which is why it is an easy thing to hand over.
The commercial terms
Stated plainly, because the vague version wastes both our time.
20%
recurring commission
On the subscription revenue from every client you refer, for as long as the client stays subscribed.
$0
to join
No fee, no minimum volume, no exclusivity, and no obligation to refer anyone.
By hand
not a portal
We onboard advisors personally and agree attribution with you in writing. There is no self-serve affiliate dashboard.
Being straight with you: this programme is new and deliberately small. We would rather onboard a handful of advisors properly — and agree how referrals are tracked before you send one — than publish a sign-up form and leave you guessing whether you got credited.
Take it into your next review
A one-page explainer written for your client, not for you. Print it, or save it as a PDF from your browser and attach it to an email.
Apply to the programme
Tell us a little about your practice and we'll come back within two business days.
Questions advisors ask
- Is Passing-On giving financial or legal advice to my clients?
- No. It is a record-keeping tool. It stores where an account is held and how a beneficiary would claim it. It does not advise on investments, draft binding legal documents, or replace a will — and we say so plainly on the site.
- Does it store my clients’ passwords or login details?
- No, and this is deliberate. The vault records the institution, what the account is for, and how to claim it — never credentials. There is nothing in it that could be used to access an account directly, which removes most of the risk your compliance team will ask about.
- How is the commission paid?
- We pay 20% of the subscription revenue from clients you refer, for as long as the client stays subscribed. There is no self-serve affiliate dashboard — the programme is onboarded by hand, attribution is agreed with you directly, and we pay on a schedule we set out in writing before you refer anyone.
- What does it cost my clients?
- Plans start at $3.49 per week. The will writer and the printable estate planning guides are free and need no account, so you can point a client at those without asking them to pay anything.
- Why is the billing weekly rather than monthly?
- The billing cycle is the deadman’s switch. A missed weekly payment plus a missed check-in surfaces a problem in days rather than the month or more a monthly cycle would take, which is how the vault knows to start contacting beneficiaries.
- Do I have to sell it to my clients?
- No. Most advisors in the programme hand over the one-pager during an annual review and let the client decide. There is a printable version on this page you can take straight into a meeting.