Latest / The Discussion Podcast / Legacy Locker: Secure Your Memories with Adam Horner on The Late Late Lunch Show

Transcript

Legacy Locker: Secure Your Memories with Adam Horner on The Late Late Lunch Show · The Discussion Podcast

0:00
This is the Late Late Lunch Show with Rod Maxwell. Supported by... That's for,
0:07
you, Rod! Tower bed learning in nature's playground. So it's Rod Maxwell on
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the Late Late Lunch Show and today I'm speaking to,
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a local man about a fantastic concept which is something that's very close to
0:19
my house, my heart, and it's actually all about storing memories,
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storing precious things for you and your family, especially in the digital and non-digital age.
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I'm speaking with Adam Horner, who in one of his day jobs is CEO of,
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joint CEO of McHale & Co., Solicitor's in Ultrium, and is also a founder,
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joint founder of Legacy Locker. And we're going to be talking about Legacy Locker
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today. Adam, how are you?
0:44
Fantastic. Thank you very much for having me on. Yeah, excited to chat to you.
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Well, I am very excited about this concept. So let's just talk about Legacy Locker, okay?
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If I understand this, this is a concept where people can store all the stuff
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that matters to them in a very sentimental, emotional way,
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so that it can be shared both in their lives and after their lives.
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But have I got that right, or is there more to it than that?
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That's exactly right. I mean, the three main components to the pillars of the
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state are life-organized. So the Life Organised section is store documents,
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information, passwords that would be useful organising your life now.
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So whether that's insurance documents, legal documents, which are held up for
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day to day, but also when you pass away, there'll be a ball there for your families.
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And I'm going to have to be looking around for where's that important ball that most people keep.
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The memory shared aspect is
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anything that you think is worth sharing for yourself or for your family.
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So you know whether that's messages to people when you're gone whether that's
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talking through why you've done specific things in your will whether that's.
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A speech you want to give yourself at your own funeral talk through your eulogies,
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for me personally there's a couple of examples that i'd like to give i've got two daughters,
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i've got videos for each of them in their segments of their lockers which is
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for their wedding day should i not be here so it says look daddy doesn't know
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why i'm not here but this is what i would have said on your wedding day and
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the serenity that comes with that
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and then family curation element it's again we've got two daughters in the sword,
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they've all got grown walkers and our most important memories what i think in
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there for their sort of foundation first day at school assemblies,
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sports days, performances and activities,
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school results when they're 18, they'll go, right, here's your locker, this is your life.
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So really kind of each three pillars of its own purpose for all of them as well.
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And I suppose it's no surprise that a person such as yourself involved in law
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and dealing with family law and dealing with wills and all that type of stuff,
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that actually this idea comes about Because,
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it's, you know, where do you store those important documents that are really
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important for family after you're dead, but also where do you store and keep
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the little nostalgic things as well?
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And we're collecting more of those in our digital lives all the time.
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Yeah a lot of stuff digital now from a practical point of your day to day a
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real life example that came part of this is i i've got a dog as well as the
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uh the three kids and a wife we've got a busy household and the 11 year old
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dog had an issue where we go to the vets we've got that bill
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few hundred pounds and i could not find my um insurance policy anywhere to claim for that money i,
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knew i have one i was knew i was paying you know a fair amount every month but
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it took me to have to call the insurance company say look i don't know what
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my policy number is but i know i've policy, here's my name and address,
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and they tracked it down.
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At the time, I didn't give you a number.
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I was out of time for claiming, whereas if that insurance policy was in my locker,
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as it now is, I would have just done it much quicker claiming than the timeframe.
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So it's very practical for why you're alive. And then obviously for when you
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sadly passed away, having everything in one place, we see it as solicitors where
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we're going through a probate.
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It costs the estate a lot of money to be searching around for these documents,
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right into various institutions,
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and then sometimes you know there might be something that pops up to all the
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time i didn't know there was that a policy there or this money there or just
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making it easy for your family and brings families closer together as well
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in scandinavia they call that death clearing process where you for your next
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generation you make sure everything is in apple pie order
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so that when you pass away they can focus on grieving and remembering happy
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things rather than potential disputes and looking around for,
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the stuff so i think the really important thing is you know we see it with rules
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there's still 63 of the population is one study of several last week don't have a will so,
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people don't want to face that mortality of having to make a will whereas maybe
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they'll be more minded to do this,
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potentially because it's but it's much cheaper it's uh it's more tech so younger people might do it,
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and it's really easy to use or at least expressive wishes through your locker
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whilst not legally binding as such.
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Will encourage you to at least start that journey and express so much it is.
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So an example, again, of this is I've, in my will, I specify who I want to look after my children.
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That on its own comes across as quite sort of cold-hearted, saying,
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right, I've got this person, not that person, dot, dot, dot.
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When you talk that through on a video, the person who might expect her to have
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looked after her children if me and my wife both died together,
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at least gets the understanding of, right, I understand why you wanted to do
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it that way, understand why you've got these bushes or i want to donate x amount to this charity
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oh gosh that seems a large amount of children out there well actually this charity
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really helped me with this or they'll help your mum with that,
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and they become more amenable because one of the biggest growth areas of litigation
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sadly is contested probate families suing the estate,
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because they feel aggrieved that they've not inherited what they expected and
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a lot of times it's the charities that lose out i was just with a charity for
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northwest transfer research and you know we were talking about business that they had,
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claims and the respondents of the government charities about this where unfortunately
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then it delays them getting a payment for their.
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Legacy and also it reduces because of legal fees involved in challenging that so,
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if you've got a will expressing your next amount left plus there's a video explaining
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why you want to leave building to that charity the challenge is much weaker
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because the expression of why he wanted to do that is clearly made there
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i think it's a great idea we're going to take a break we'll be back with andrew
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horner founder of legacy locker,
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an organization that allows you to store your,
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most cherished things and all the critical things and a sort of digital locker
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if you like so that you can share them with your family as and when you may,
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the deceased if you like and we'll talk a bit more about this and also,
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the link actually to the law as well, which is what Adam's primary profession
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has been about. We'll take a break, we'll be back in a couple minutes time.
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You're listening to The Late Late Lunch Show. Back to the Garden Childcare,
7:20
where little explorers grow naturally.
7:23
You're listening to Radio Alty. It's The Late Late Lunch Show,
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supported by Back to the Garden Childcare. And today, we're talking about a very important thing.
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And it's about legacy, and it's about your digital legacy. It's about actually
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sharing memories and also important documents in a sensible,
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organised, responsible way.
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And it's one of those things Adam I'm speaking to Adam Horner who's the founder of Legacy Locker Adam,
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in your primary role in law this is something that we as a nation and possibly
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actually as a population,
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we're not very good at dealing with, we're not very we always put it off because
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we don't want to deal with,
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that feeling that one day we won't be here, but if you can get organized and
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do it in a responsible way, it gives you such peace of mind.
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I mentioned that the video is a wedding day, I'm doing a wedding tournament
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this year, in five hours on kilometers in a day, which is equivalent to 118 marathons in a year.
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And one of the marathons, I'm heading down to the marathon, and I have this,
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this moment when I go, if there was something to happen to me,
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you need to walk downhill, it's a terrorist life, for instance.
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Obviously, I'd be feeling, I have one of my girls missing out,
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now they're missing out, leaving me up this dash, that's my son as well,
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but the moments, the milestones in their life.
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So I actually, on the way down there, recorded the videos for each of their
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wedding dates to explain what I would have said on their wedding day.
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And this will have constantly evolved so the videos that i made already i'm
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already tweaking so we've proven and constantly iterate each year to go actually
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something else has happened in your life now that i can talk about and something
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else happened in my life and this is what will change
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i sort of put some stuff in there about what books i would recommend reading what,
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you know life stories i want to tell him talking to my granddad who's 90 who's
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in the military he's got some fantastic stories,
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and i said to him i said look random what would you actually want to say eulogy
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because you've been in the 40s you've been in the police you've done something
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with mi5 and you've got some really interesting stories he goes i'm so glad
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you asked me that because,
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i've always wondered myself i never really wanted to talk about it so i said right,
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told you about legacy rock i want you to start recording your stories and he
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goes you know what i'm going to record my own eulogy for this great,
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and and and actually.
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We could so easily lose these memories because of the generation that are in
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their 70s and 80s who are not as not as proficient not as comfortable with digital technology,
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they're those memories will just go when they go and we'll lose we we could
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lose so much but through this and if you're as a family are recording their memories for them,
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and you're storing them somewhere they live on forever and I think it's such
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a it's actually amazing how valuable memories are when you can't even put any
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financial value to them Adam,
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No, absolutely not. You know, I mean, there's constant reminders of,
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you know, mortality with people in our lives who are sadly no longer with us.
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And a lot of people cling on to whether that be voicemails that they've had
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and just hearing the voice, you know, the last voice or WhatsApp voice notes
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for wish of birthday messages.
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What this allows us to do is record really powerful messages that are videoed
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to a person to live up on forever in a secured space.
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So my mother-in-law sadly passed away last year and the conversations that my
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wife had with her mum prior to her diet and some messages she got on the road
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to keep is you know so invaluable
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my friend's dad sadly passed away and he recorded a video of him cooking spaghetti
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bolognese no italian family this is our version,
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of spaghetti and that video is on forever now so it's stuff.
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Like that family recipes family history uh,
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the stuff that potentially dies with our generation what can live on it is generations
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on and on do you think it takes some of the,
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uneasiness out of you know the fact that somebody's going to die when they can
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they can start they can start storing little things they could for example do,
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the family recipe and one day they just record it and say, I'm going to put
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that in the locker just for you guys some other time.
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And they do it with a glint in their eye, a smile on their face.
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And that's the memory their kids are going to have of them.
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Absolutely yeah yeah i mean i mean i keep saying to my car this is a locker
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moment you know and it'll be you know the kids playing the park show happily
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and you record a little video and saying this is going in the locker or it'll
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be an activity you want to live at the moment as much as possible,
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but you also if you can capture at least some of that and put it in the locker
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and that's the locker moment i look back on it you know i mentioned i'll be
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married before running over tower bridge i got a five second video clip because
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i wanted to experience incident
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the amount of times i've gone back and watched that five second click and listened
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to the crowd and what an amazing moment that was,
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um so yeah i really think that it's um it's a reminder to ourselves of great
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moments we have but then capturing other people as well uh i i i.
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Love it i love it we'll take a break i want to come back and talk to you a little
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bit about digital security and and that type of thing because i think we as a population,
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understand more about how our data can be shared and on that type of stuff and i guess,
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and coming from the legal background one of the things around this will be around
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the faith and the trust that actually your data will stay secure so i just want
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to talk about that a little bit
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and we're talking about a legacy locker it's where you digitally can store your
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most precious memories most precious thoughts your videos your photographs store
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your your documents as well
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legal documents and you know where they are because goodness we never know where these things are,
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and then you can pass it on to your family at the time of your death in a much
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more efficient and and clear way and we're talking to one of the founders adam
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horner about this we'll take a break we'll be back with him in a couple minutes time,
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you're listening to the late late lunch show with back to the garden childcare
13:48
where little explorers grow naturally,
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Adam, I said before, I don't think there's any coincidence that somebody who's
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acted in family law in your role in McHale has come up with this idea and worked
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with a number of people on it.
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Are there many legal loopholes or legal concerns around this type of concept
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or anything like that that you've had to negotiate and sort of solve?
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I mean, the first question people ask us is how secure is it?
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Because we're worried about a data breach. We're worried about somebody hacking
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this in and taking all this information now, whether that be password for bank
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accounts, whether that's all the bank information, pensions, investments.
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That's the first question we usually get asked.
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And my co-founder, Sir Kevin Sinfield, he was really keen in getting involved.
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I can tell you a bit more about the reason why Kevin wanted to get involved.
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But the first question, he said, look, if I'm associated with this,
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and really love the idea of coming up with it, how are we going to make sure it's secure?
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So we contracted a mutual friend of ours, the CEO of a company called Cypher
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and Ristie, who do the cyber security. So the Met Police, GMP Police, several NHS trusts.
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And we started scoping out with him what the disney's are skilled or team we
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have we did a big sort of penetration and um stress testing to start with when
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we have that goes on going monthly tests daily tests,
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and the developers we've got really three senior developers who managed to create
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a really secure infrastructure and architecture that,
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is as secure as any and as secure as it can be so confident on the the sort of the side liability.
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Risks in terms of potential loopholes and data and stuff is it's it can be used
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in any way you want it to be,
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and you know this is a really secure platform to support what you want as well
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and so some different people have different uh appetite for that some people just use it for,
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pictures just use it for basic documents, others put absolutely everything in there to tell me.
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Now we don't obviously have access to looking into specifics of people's blockers,
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but we can see how much data has been used within the blockers.
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You can guess if it's been used for videos, if it's been used for documents.
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Yes, it sort of answers the question that navigating the cyber security element
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has been the biggest, not challenge, the biggest focus, I suppose,
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to make sure that this lives on indefinitely.
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And the servers that you store all this on, are they domestically located?
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Are they here in the UK or are they internationally spread?
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Yes, and there's a couple of different, spread across a couple.
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Also, you'll know probably better than me, not in terms of this,
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but the way it is spread and the risk is spread, it's been incredibly difficult for somebody.
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Gotcha. Gotcha. We'll take a break. I want to come back and talk about your
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partners and talk about working with Kevin and the profile that he brings to
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this as well, as well as your technical partners.
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So today we're talking to Adam Horner and we're talking about a new concept.
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This is a solution, really.
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Called Legacy Locker and it's very clever, I've got to say, and I think it's,
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going to be something very much in demand. We'll be back with him in a couple of minutes time.
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You're listening to the Late Late Lunch Show. With back to the garden childcare,
17:19
where little explorers grow naturally.
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Now you will know in your profession, teamwork and all of that type of thing,
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different skills that people bring make it work.
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The people that you brought in, including Kevin Sinfield, what were you looking
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for in terms of people to partner with on this, Adam?
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I sort of share the same vision, share the same values and ethos.
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So something I haven't mentioned so far is that 25% of our turnover goes to various charities.
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Now, that's not 25% of profit. It works out as actually more than 50% of our
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profit is going to charity.
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So when you sign up, you pick a charity. We've got 27 charity partners as of
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today, ranging from Dogs for Rescue, Northwest Cancer Research, MND Association.
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There really is multi, you know, whatever would resonate with you.
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Probably is going to be an option there.
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And of the £6 description, that £1.50 is going to charity every single month,
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which is incredible for charities.
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They tell them that because it allows them to have some guaranteed,
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almost guaranteed revenue coming in every month they can plan.
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So we know we've got a thousand users for that charity that charity is going
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to get 1500 pound every single month and it allows them to plan and use that money uh.
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Because the the drop-off rate is very very little because people are obviously
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seeing the benefits of it so when we were choosing who well when i was scoping
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out the idea um with our partners here and i got talking to kev about it,
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kev said i absolutely love the idea i'm a you know he is an ultimate legacy
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my knowledge running challenges he's done, his rugby playing career,
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he's coaching career now within rugby,
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he's about to embark on his next seven more weapons in seven days at the end
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of September and a lot of people know his story with one of his best friends Rob Burrow.
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Now Rob was diagnosed with MND and sadly passed away after a couple of years
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and Kev saw how military injuries impacted Rob and how he lost certain capabilities that,
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Having a secure platform like this that somebody who is seemingly ill can start,
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preparing for ultimately the death gives you a lot of serenity.
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As I was doing this earlier, putting things off, we all do it naturally.
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But when you've actually got a diagnosis, as recently, you know,
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close to me, I've had a few people
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close to me, including my mother and daughter, there's a focus there.
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So being able to have somewhere that isn't on your phone, which kids might be
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able to get onto and scroll through and find something on.
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Your iCloud, having a safe, secure, easily accessible place for you to put the
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documents in that you want to sign those people to put members in.
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Kevin said you know what i've really bought into this and i want to be able
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to use my own platform to be able to promote this to help charities but most
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importantly help people,
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help the m&d community help determine whatever that might be cancer pulmonary
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fibrosis whatever it might be so an example the mnd association if somebody contacts that now say,
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look i've just been diagnosed with mnd i would like some help some advice and
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it might be a family member it might be the person themselves they typically
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get a pack an information pack saying right this is what the the prognosis may
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be this is what the outlook may be for the next couple of years,
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we've included within that pack is legacy what we're saying you might want to
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look at this app because this is a secure place for you to start putting your
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things in order if you haven't already done so and by the way we as a charity
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benefit from getting 25 percent of the monthly fee,
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coming back to us so then the key things onto the question was people that shared
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the same values that were about, well, actually, it's.
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Not just about making as much profit as well.
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It's helping charities. It's helping people.
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And Sikert being an ultimate legacy man really kind of brings all that together.
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I'm just looking on your website here and looking at your pricing.
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I have to say, I'm actually delighted and surprised that it starts at £6 a month.
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I mean, people who've got mobiles or just are getting stuff from the iCloud
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will be thinking, I'd pay a lot more for storage than that.
21:43
Yeah, yeah. Well, I've got 80,000 pictures in my iCloud, which I'm just not moving over now.
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They're mobile, someone's only likes to lock her and delete the ones that I don't need.
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And I pay quite a bit more than £6 a month for my iPad storage.
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Now, those 80,000 pictures could all be stored in your legacy locker within
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that £6 subscription. Yeah, because you use 10 gig of secure storage for documents,
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media, personal files. That's a lot. Yeah. And,
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five key holders, I guess they're the people who would have access to your locker, basically.
22:19
Yeah, so you can choose up to five people.
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It might just be one person. It might be your partner, your spouse,
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a child, or you could have a couple of children that you want to have access
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to or properly split it up.
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And that can be, you might say, right, I want my financial advisor just to have
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access to one specific part of your locker where your investments are.
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You might say, I want my lawyer to have access just to my legal documents.
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So you can split it up and give people a whole locker access or certain parts of your locker access.
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Well, as I say, I think it's fantastic. And I think in our lives today,
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where they are very distributed, can be disorganized, even though that we have
23:00
more tools to make them organized.
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This is a great way of actually personalizing your memories,
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personalizing the way that you share them by putting little messages in them.
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And it just means your legacy goes on. I think I see a strapline here.
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Your life organized, your memories shared, your legacy delivered.
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That's really, you're buying peace of mind there, aren't you?
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Absolutely. Yeah, that serenity of knowing that you have organized while you're
23:28
alive and when you've left this world, you've left it in a nice place.
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Package box with a bell on it to signposting people so yeah serenity is the
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sort of ultimate feeling we're going for so if anybody i take this night up and running fully madam,
23:45
yeah it is we've kind of done a bit of a soft launch we've got a big launch in september event.
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So kevin's speaking out with some other um high profile guests and that's going
23:56
to be the sort of big launch but it It is lying now. You can go on it.
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It's legacylocker.cloud.
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And you can also get a free trial period at the moment, special offer for 90
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days for free, if you use the code legacy26 on the sign-up page.
24:12
So 90 days for free with legacy26.
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And after that, if you decide it's not for you, it's not cost you anything.
24:19
I like your, obviously, you've got partnerships with the M&D Association,
24:24
Leeds Rhinos, with the Children's Adventure Farm Trust, which is a very local organization.
24:30
Melton Educate, which seems to be linked with African education, is that right?
24:35
Yeah, so business partner, Andrew McKellie, goes over to South Africa for a
24:39
couple of weeks in October to help build schools over there.
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Melton Educate is the charity behind that.
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So the website page does need updating with those other, I'd say about 27 charities
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signed up as of today, but I think it's on there currently, it's only five or six.
24:54
So we're updating that but yeah you mentioned sort of calf children events for
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our trust there are little charities watering you if you've a few people who
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don't know about that charity that's where,
25:06
children can go to this adventure farm have a residential stay it can just go
25:10
for the day otherwise but and typically children who have some kind of disability
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they get to go and have an amazing time,
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give the parents potentially some respite and create some fantastic memories
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with other children who might have similar disabilities,
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and for the for the parents to be able to then potentially get videos and pictures
25:30
from the children's time on
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the adventure file that they then can put into the locker it's just a nice.
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Add-on to cash amazing service and then cash gets some benefit back because
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they're getting the one part of the business it's bad a month so we really value
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that partnership because we didn't as it loved them we're called we're called
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sponsors of cashed as well and we do.
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Monthly donations anyway to that because it's a great level well i i think it's
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a fantastic idea i really do and i think it brings peace of mind it also brings
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a personalized touch to the way you manage your legacy and i I think,
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it'll desensitize a little bit that legacy because you can build it as you go
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and you can customize it for individual people, give them individual lockers,
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put messages in there for them.
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I think it's brilliant. Anna Horner, co-founder of Legacy Locker and CEO,
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I think you're joint CEO of McHale & Co. Thank you very much for your time.
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Thank you. Very, very cool for you having me. Pleasure. Absolute pleasure.
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You're listening to The Late Late Lunch Show. Back to the Garden Childcare,
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where little explorers grow naturally.