Published by Wanda Rich
Posted on July 8, 2025
Image: Mario J Payne
While almost everyone acknowledges that the digital generation has drastically changed the way we work, learn, and play, when it comes to estate planning, many financial advisors still use outdated methods that are inefficient and costly. Estate planning, specifically, needs a modern makeover to account for digital assets, blended families, gig economy income, cryptocurrency, and other modern assets that affect middle-class families.
Mario Payne is a CERTIFIED FINANCIAL PLANNER™ and creator of Relax Estate, an AI-powered estate planning platform designed specifically for business professionals and families. He has seen firsthand how the average individual, looking to plan for their family’s financial future, quickly becomes overwhelmed with legal and financial jargon, technical platform complexity, confusing document requirements, and the mere outrageous cost.
The Relax Estate revolutionizes the traditional estate planning process by leveraging AI-powered, automated digital estate tools that incorporate built-in legal protection, affordability, efficiency, and ease of use, thereby putting generational wealth building back into the hands of everyday people. Payne compares the use of traditional methods of estate planning to using a flip phone in the age of iPhones!
What does modern estate planning look like?
Mario Payne specializes in digital legacy planning and consults with families and business owners on the consequences of not taking action when it comes to estate planning. When a person dies without a legally filed estate plan, the legal fees, probate delays, and ongoing disputes can crush a family. It is crucial to be proactive in protecting generational wealth, especially for middle-income and minority families.
Consider these modern estate planning features that can prevent the government from deciding what happens to your wealth, which is one of the most expensive and regrettable mistakes a family can make.
Automated and AI-powered
An overwhelming number of business automation platforms have accelerated productivity and efficiency in offices around the world, and that’s exactly what an affordable trust and will online platform brings to everyday citizens. The Relax Estate allows anyone — not just the wealthy — to create a trust, will, and power of attorney from the comfort of their own home, and better yet, on their smartphone. Mario Payne has democratized legacy planning by utilizing automation and AI, making it easy for anyone to perform personalized, accessible, and affordable estate planning.
Accessible to the middle class
Traditional estate planning services are inherently complex and geared to higher-income families. They also include many fees for time, travel, and consultation with the financial advisor, as well as lawyer fees, creating a barrier for average consumers. But why should anyone pay $5,000 to a lawyer to protect their kids’ future, when they can easily access the forms and documentation to cover all their estate planning needs? The truth is, the process can be as easy as filing your taxes, as long as you follow the step-by-step prompts provided by The Relax Estate.
Personalized to fit your family
Mario Payne has gone above and beyond to ensure his affordable trust and will online platform is not a one-size-fits-all, but is built with features that are personalized to your income, demographic, location, tax bracket, and more. This tailored approach is only possible through the power of AI, which asks the right questions to deliver the right results for probate avoidance strategies. Payne has considered everything, from final care arrangements to Power of Attorney forms to creating a detailed distribution of assets. This is all done with backing on licensed estate attorneys who create and update the documents for the platform.
Affordable digital legacy planning
The Relax Estate alleviates the financial burden of estate planning, while also making it easy to use for both do-it-yourselfers and professional financial planners. Strong on AI-powered features that automate the process, it only takes around 30 minutes to obtain peace of mind for your family’s future. Each user is guided from start to finish, with expert assistance just a chat away, and at a cost that is easy on the budget.
An Estate Planning Advocate
What Mario Payne has accomplished with The Relax Estate is a service for underserved communities. The company focuses on working professionals, single mothers, and other underrepresented communities that are often excluded from traditional estate planning conversations.
Payne has spent 18 years helping families build wealth. Now, he’s making sure they keep it. With a mission to help 10,000 families build wealth and pass it down, The Relax Estate is helping break generational curses and build family wealth for all working Americans.
