PRESS RELEASE: London, 22nd September 2025
Caira: a privacy‑first AI copilot for high‑net‑worth individuals and families
Subhead 24/7 private chat delivers instant, plain‑English answers and drafts on trusts, tax, and cross‑border wealth planning—now with document and spreadsheet understanding for clearer, context‑rich guidance.
Body Unwildered today announced Caira, a privacy‑first, model‑agnostic AI copilot that helps high‑net‑worth individuals and families feel more secure and in control of their wealth—whether building a legacy, protecting assets, or planning for the next generation. Available 24/7, Caira provides instant answers and high‑quality drafts across investment strategy, trust structures, tax planning, and cross‑border questions, all in plain English.
Users can upload their own DOCX files, PDFs, screenshots, photos, and spreadsheets (CSV/XLSX). Caira reads the relevant sections alongside the user’s questions to produce clearer, more contextual responses—whether it’s a trust deed, a portfolio statement, a tax return, or a multi‑sheet investment report. Behind the scenes, Caira is grounded in more than 10,000 legal documents, judgments, and wealth management materials for England and Wales.
Who it’s for
Individuals and families at any stage of their financial journey—whether you’re just starting to build savings, growing your investments, or managing significant wealth, in the UK or internationally. Anyone who wants to protect what they have, make their money work harder, plan for loved ones, or simply understand their options—without getting lost in jargon or paperwork.
How Caira helps right now
Instant, clear answers: Ask about trusts, inheritance tax, remittance basis, investment wrappers, or cross‑border planning. Receive straightforward, UK‑specific explanations—no jargon.
Document and spreadsheet review: Upload trust deeds, wills, investment statements, tax returns, CSV/XLSX files (after redaction). Caira explains the small print, checks numbers, and highlights what to watch for.
Grounded answers: Backed by 10,000+ legal documents, judgments, and wealth management materials for England and Wales.
Planning checklists: Before big decisions, get a concise list of what matters—domicile status, tax exposure, succession risks, and reporting requirements.
Step‑by‑step guidance: From structuring a trust to preparing for a family meeting or reviewing a global portfolio, Caira helps plan your next actions.Helpful reminders: Note tax deadlines, reporting duties, and actions if moving countries or gifting large sums.
Examples
Cross-border dynastic wealth and the risk of “deemed domicile”:
A non-dom family with £350 million in global assets—Mayfair property, a Swiss art collection, a Monaco investment portfolio, and a Jersey discretionary trust—faces the risk of becoming “deemed UK-domiciled” after 15 years of UK residence. The family office uploads the trust deed, a multi-sheet asset register, and a spreadsheet tracking distributions. Caira reviews the trust’s excluded property status, highlights which offshore income and gains are protected, and flags the risk of accidental remittances (such as paying UK school fees from a Jersey account). Caira also explains the impact of the “protected trust” regime and helps the family plan a phased relocation to Switzerland to preserve non-dom status.
Succession planning for a blended family with global business interests:
A UK-domiciled entrepreneur with £600 million in assets—comprising a controlling stake in a listed tech company, a Knightsbridge penthouse, a private jet, and a Cayman Islands family investment company—wants to ensure a fair but controlled succession for children from two marriages. The client uploads the family constitution, FIC shareholder agreements, and a will spanning multiple jurisdictions. Caira reviews the interplay between UK inheritance tax, double tax treaties, and forced heirship rules in France (where one child lives). Caira helps the client consider a combination of discretionary trusts, life interest trusts, and a US Delaware dynasty trust to balance control, tax efficiency, and family harmony.
Gifting and philanthropy at scale:
A grandparent wishes to gift £25 million to grandchildren and £50 million to a family foundation supporting medical research. The family office uploads a spreadsheet of prior gifts, trust deeds, and the foundation’s charter. Caira reviews the seven-year PET rules, the use of bare trusts for minor grandchildren, and the IHT implications of large gifts. For the foundation, Caira explains the UK and US tax treatment, the benefits of dual-qualified charity status, and how to structure endowments for long-term impact.
Portfolio review and global tax efficiency:
A client holds £900 million in assets: UK commercial property, a US hedge fund portfolio, Singapore private equity, and a collection of classic cars in Germany. The family office uploads a consolidated investment report and a spreadsheet of annual returns. Caira reviews the portfolio for over-concentration, checks the use of offshore bonds and insurance wrappers, and explains the tax treatment of each asset class. If the client is considering moving to Dubai, Caira highlights the impact on UK tax residency, the remittance basis, and the steps needed to “cleanse” mixed funds before departure.
Urgent due diligence—always available, always impartial:
A family office is considering a £120 million acquisition of a logistics company in Singapore. The deal is moving fast, with documents arriving late at night and questions arising at every turn. Caira is available 24/7, ready to review contracts, shareholder agreements, and financial spreadsheets as soon as they’re uploaded—no waiting for office hours or time zones. The team can ask detailed questions about risk, compliance, and cross-border tax exposure, and Caira responds patiently, breaking down complex points at whatever level is needed. Whether it’s a quick summary or a deep dive into the fine print, Caira remains unbiased, helping the family office make confident, well-informed decisions under pressure.
Spreadsheet support in action:
A family office tracks £120 million in annual distributions, multi-currency cash flows, and art loans across five continents in a complex Excel workbook. Caira reviews the data, summarises distributions by beneficiary, flags potential IHT exposures, and answers questions like “What is our total exposure to US dollar assets?” or “Which trusts have made distributions to non-UK residents in the last tax year?”
Caira is privacy‑first. Unwildered does not train AI models on users’ documents or conversations. The platform is model‑agnostic and uses the latest and best large language models, running on Microsoft Azure with NVIDIA H100/H200 GPUs. Users stay in control:
Getting started
Tell Caira what you want to achieve—structuring a trust, planning a gift, or reviewing a global portfolio.
Upload relevant documents (redact personal details), ask your questions, and receive step‑by‑step guidance with checklists you can review and verify before acting.
How Caira differs from generic chatbots Generic chatbots are great for broad conversation. Caira focuses on UK wealth management and explains how trusts, tax, and investments work in practice—grounded in legal and wealth materials and shaped around real‑world scenarios. Use Caira to clarify legal jargon, build planning checklists, and plan next steps.
Disclaimers
Not financial advice. Caira helps you understand options and prepare questions. For tailored recommendations, speak to a regulated financial adviser. Unwildered and Caira are not authorised or regulated by the Financial Conduct Authority (FCA). Always verify specific details (tax, trusts, investments) on official government or regulatory websites.
Media contact: hello@unwildered.co.uk
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