Trustworthy calls itself the Family Operating System, and it’s a capable product with a real free tier. Both vaults use AI to file your documents for you, so that isn’t the decision. Here are the three differences that actually are: what unlocks your vault in an emergency, what happens in year two of your subscription, and which direction money flows on the advisor side.
A comparison you can trust has to start here. These are real strengths, and two of them are things we don’t offer at all today.
$0 forever with 2GB of storage — enough to actually start, not a teaser. We don’t have a free tier for the person who owns the vault, so if you want to test the idea before paying anyone, that’s a fair reason to try them first.
A 30-day money-back guarantee, plus a 50% lifetime discount for military, veterans, first responders, teachers, and nurses. We don’t offer a service-profession discount, and that’s a real difference for the people it covers.
Reviewers describe getting records to an adult child in seconds and the reminders keeping them on track — “my family has been so much more organized.” BBB accredited with an A+ rating since June 2021.
Trustworthy facts below are from its own pricing page, advisor page, and help center, checked July 2026.
| Trustworthy | Trusted Directive | |
|---|---|---|
| Track record | Established consumer brand; BBB accredited with an A+ rating since June 2021 | New — opening to a founding cohort in 2026, and honest about it |
| Individual pricing | Free tier ($0, 2GB); Silver $120/year, every year; Gold $240; Platinum $480 | $120 year one, $60/year after — renewal stated upfront; 30-day free trial |
| Automated filing | Autopilot AI auto-categorizes uploads, extracts metadata, and summarizes documents | Same job, shipping today: every upload is auto-classified into 18 categories, with date, issuer and policy number extracted and a one-line summary generated |
| Telling you what’s missing | Organizes and files what you upload | Gap Discovery alerts — for what you don’t have, not just what you filed — are in development for alpha |
| Emergency access | Legacy Access Collaborators: death certificate plus ID verification, reviewed manually by a Trustworthy expert | Verify-Silence Release Protocol (in development for alpha): no response within your pre-set window → access releases |
| Incapacity coverage | No inactivity or dead-man’s-switch trigger found on its features or help pages as of July 2026 — a document-based unlock has nothing to act on | Covered by design — the trigger is your silence, not a death certificate |
| Advisor economics | Live advisor program — advisors pay $10 per client annually, plus co-branding and a single sign-in client portal | Free for advisors, plus a flat 25% evergreen commission |
Trustworthy pricing per trustworthy.com/pricing, advisor terms per trustworthy.com/advisors, and access protocol per its help center, reviewed July 2026. If anything here goes stale, tell us and we’ll fix it.
Trustworthy’s emergency path is called Legacy Access. A person you designate as a collaborator gains access after your death by supplying a death certificate and ID verification, which a Trustworthy expert reviews manually.
That is a careful design, and the human review is a real safeguard against premature access. But look at what it requires your family to produce: a certificate. Death certificates commonly take days to weeks to be issued — and there are emergencies that never produce one at all. A stroke, a coma, a sudden dementia diagnosis: no certificate exists, because nobody has died. Reviewing Trustworthy’s features and help pages in July 2026 we found no inactivity trigger either, so there is no second path for that case.
Yet incapacity is precisely when your family needs the healthcare proxy, the power of attorney, and the Emergency Medical Packet (in development for alpha) — and it is the moment when a document-based unlock has nothing to unlock with.
Trusted Directive inverts the model. The Verify-Silence Release Protocol is in development for alpha; here is how it is designed to work. You pre-authorize your Trusted Contacts and set a response window. When one of them requests emergency access, we notify you and wait. If you respond, nothing happens — false alarm, no harm done. If you stay silent past your window, access releases. We verify silence, not documents — which is why the same protocol covers incapacity and death, with nothing for a grieving family to obtain or prove.
Trustworthy for Advisors is a real, live, priced product — co-branding, a single sign-in client portal, discounted plans per client, and a Certified Expert partner program. Anyone telling you this category has no advisor channel hasn’t looked. The difference isn’t existence, it’s direction: with Trustworthy an advisor pays $10 per client, per year, so every client you add is a cost. With Trusted Directive the advisor pays nothing and earns a flat 25% evergreen commission on every client payment, so every client you add is income.
For registered reps and IARs, this payout is an outside business activity: expect to give your firm prior written notice and to disclose it to clients — see the Partner Program Terms.
Where each lands on the two questions that matter
Illustrative positioning, not measured share. Trustworthy for Advisors is a real, live advisor product; the axes simply show the two structural differences — how access unlocks, and who pays whom.
This category has earned its trust problem: surprise renewals, files locked behind lapsed cards, documents gone after cancellation. Whichever vault you choose, hold it to these.
Your documents are never held hostage. One-click export of everything, any time — subscriber or not — is in development for alpha.
Cancel and your documents remain yours. Your family’s map doesn’t vanish because a card expired.
$120 the first year. $60 a year after. Now stated on this comparison page too — that’s the habit.
Full pricing, including the renewal math: see pricing · More questions? Read the FAQ
As of July 2026, Trustworthy has a genuinely free tier ($0 forever, 2GB of storage) and three paid plans billed annually: Silver at $10/month ($120 a year), Gold at $20/month ($240 a year, unlimited storage and AI answers), and Platinum at $40/month ($480 a year, with concierge hours). There is a 30-day money-back guarantee and a 50% lifetime discount for military, veterans, first responders, teachers, and nurses. Trusted Directive is $120 the first year and $60 a year after, with a 30-day free trial — the renewal price is stated before you pay. Silver and our first year cost the same; the difference shows up in year two.
Yes — and it is a real one. Trustworthy for Advisors is live and priced: advisors pay $10 per client annually, with discounted Gold plans per client, co-branding, a single sign-in client portal, and a "Trustworthy Certified Expert" partner program. The structural difference is not whether an advisor channel exists; it is which direction the money flows. With Trustworthy the advisor pays for the platform. With Trusted Directive the advisor pays nothing and earns a flat 25% evergreen commission on every client payment.
Trustworthy uses Legacy Access Collaborators: after a death, the collaborator gains access by supplying a death certificate plus ID verification, reviewed manually by a Trustworthy expert. It is a careful, human-checked process. Trusted Directive is building the Verify-Silence Release Protocol (in development for alpha): a Trusted Contact requests access, we notify you, and if you don’t respond within your pre-set window, access releases. We verify silence rather than documents, so there is nothing for a grieving family to obtain or prove.
Incapacity is where the two designs separate. A stroke, a coma, or a sudden dementia diagnosis produces no death certificate — and reviewing our checks of Trustworthy’s features and help pages in July 2026, we found no inactivity or dead-man’s-switch trigger, which means a document-based unlock has nothing to act on. Yet incapacity is exactly when a family needs the healthcare proxy and power of attorney. Trusted Directive’s trigger is your silence, not a certificate, so the same protocol is designed to cover incapacity and death.
Honestly: if you want a free place to start, Trustworthy is the stronger pick — we don’t have a free tier, and they also offer a 50% lifetime discount for military, veterans, first responders, teachers, and nurses. Automated filing isn’t the deciding factor either way, because both products do it: every document you upload to Trusted Directive is auto-classified into 18 categories with the date, issuer and policy number extracted and a one-line summary generated. Choose Trusted Directive if the emergency access we’re building to cover incapacity matters to you, if you want the $60 renewal disclosed upfront rather than a price that stays flat every year, or if you’re an advisor who would rather earn on the relationship than pay per client. The verify-silence protocol and gap alerts are in development for alpha; the renewal-price promise and the classification engine are live today.
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