Our Story
We built this
because of Maddie.
Madisen Ruth Lutz was Bradley's oldest sister. When she died suddenly and far too young in May 2026, none of us were ready. No one really is. But we had no idea that the hardest part wasn't going to be the grief itself. It was everything that came after.
In the middle of our loss, we found ourselves facing questions we had no way to answer. Where was her life insurance? Who were her beneficiaries? What did she want for her service? We didn't know. Not because Maddie was careless. She wasn't. Because no one had ever sat down with her and made it simple. Watching her parents work through the weight of settling her estate on top of their grief was something we will never forget.
It should never be that way."
I'm Beza. I have been working as a licensed insurance broker for over five years. I know exactly where families get stuck: the 401k with an ex-spouse still listed, the policy nobody can locate, the account that goes into probate because a form was never updated. I had seen all of it professionally for years. Then I lived it in my own family. Bradley is a software engineer. He builds systems that solve real problems. We looked at each other and said the same thing: this cannot keep happening to people, and we have everything it takes to fix it.
Legaci Reserve™ is our answer to what we went through. Every session we do is the session we wish someone had done for Maddie. Every binder that ships is one less family left searching in the middle of the worst days of their lives. This is personal for us every single time. That is exactly why we do it this way.
Bezawit Girma & Bradley Lutz
Co-Founders · Legaci Reserve™ LLC · In memory of Madisen Ruth Lutz
Our Mission
To make the hardest moments
a little less hard.
Attorneys write documents. Financial advisors manage accounts. Nobody, until now, has sat with families and said: let me help you put the complete picture of your life in one place, this afternoon.
That gap is what we fill. The human gap. The organizational gap. The space between having documents somewhere and having them somewhere your family can actually find.
The binder is proof the session happened. What we actually sell is the conversation. Someone who cares about your family, asks every question, and catches what others miss.
Bezawit is a licensed insurance agent. That credential catches what others skip past: a mismatched beneficiary, a policy with no contingent, a coverage gap your family would pay for.
Annual reviews keep your binder accurate as life changes. And the Lifetime Accuracy Guarantee means if we ever make a documentation error, we fix it free. Forever.
Navy linen. Gold foil. Antique brass hardware. Your family name on the cover. This binder will outlast you. It should look and feel like something that matters.
Who We Serve
Built for people who
take care of each other.
Legaci Reserve™ is for families who understand that organizing your affairs is one of the most loving things you can do for the people who will outlive you.
If something happened to both of you, who raises your children and is it documented? Legaci Reserve™ makes sure every answer that matters for your kids' future is clear, written down, and findable.
Your business does not stop because you do. The Legaci tier documents your structure and succession plan, and personally introduces you to a trusted estate attorney and CPA who understands what you have built.
We cross-reference every beneficiary designation against your actual wishes. The most expensive mistakes we see happen in households where one partner handled the finances and the other was left without answers.
You do not need a spouse, children, or a complex estate for this to matter. If you have a bank account, a retirement fund, a car, or anyone who would have to make decisions for you, your information needs to be somewhere they can find it.
Most people believe this is something you do when you are older. Then something unexpected happens and a family is left without answers. If you are old enough to have accounts, policies, or people who love you, you are old enough for Legaci Reserve™.
If you have watched another family search for documents, argue over wishes, or wait months for probate to resolve, you already know what this is for. You decided then that your family would not go through the same thing.
"She gave us a reason to build something.
We built it for every family that comes after hers."
