Our Story

Why We Built This

Most families aren't unprotected because they're irresponsible. They're unprotected because the system is genuinely confusing — and no one ever sat them down and said "here is exactly where you're exposed." That's what Sema Legacy does.

The problem we kept running into

Estate planning attorneys give you a will and send you home. Financial advisors focus on investments. Medicare brokers sell you a plan. Nobody looks at the whole picture — and nobody tells you what's missing in plain English.

The result is that most families have a patchwork of decisions made years apart, often with advisors who had no visibility into what the other advisor did. A 401(k) with the wrong beneficiary. No power of attorney. A Medicare plan that costs twice what it should. No long-term care strategy. These aren't rare edge cases — they're the norm.

That experience made one thing obvious: the gap isn't knowledge — it's structure. Nobody had ever asked the right questions in the right order and shown the family where they actually stood.

What Sema Legacy is

Sema Legacy is a family protection assessment platform. It covers 7 areas where most families are exposed: estate planning, long-term care, Medicare, retirement income, taxes in retirement, Social Security timing, and special needs planning.

Each assessment takes 4–8 minutes. You answer questions about your situation — your state, your age, your current documents and plans. We score you, identify your specific gaps, and give you a prioritized action plan with plain-English guidance for each item.

We're not a financial advisor, an attorney, or an insurance broker. We don't sell products. We don't get commissions. We're an educational platform — our job is to help you understand exactly where you are and what you need to do next, so that when you do talk to professionals, you walk in knowing your gaps instead of hoping they'll find them.

Who it's for

We built this for people in their 50s and 60s — the window where the decisions you make about Social Security, Medicare, long-term care, and your estate actually matter, and where getting them wrong is expensive and hard to undo.

We also built it for adult children trying to help aging parents get their affairs in order, and for families with a member who has special needs — a population almost completely underserved by mainstream financial tools.

You don't need to be wealthy for this to matter. A middle-class family with a house, a retirement account, and an adult child with a disability has more at stake in these decisions than they probably realize. That's exactly who we built this for.

What we are — and what we're not

We're a small, independent product. No VC funding, no advertising model, no hidden revenue streams. The subscription fee is how we keep the lights on and keep the assessments accurate as laws change.

We're not lawyers and we're not advisors. Everything on the platform is for educational purposes — to help you understand your situation, not to replace professional guidance. When we tell you "you need a healthcare directive," that's not legal advice; it's us flagging a gap that a qualified attorney can help you close.

What we are: people who think the system does a bad job of helping families understand where they're exposed, and who built the tool we wished existed.