AVA GENERATIONS™ / PROJECT GLOBAL LEGACY 75™

The future of wealth is family.

Our global North Star: help bring family-centered financial knowledge, technology and opportunity to 75% of the world’s households, while measuring the financial outcomes that truly matter.

A grandmother sharing knowledge with her teenage grandson in a garden.
THE DESTINATION

Global ambition. Measurable purpose.

These figures describe where we intend to go—not current household adoption, platform coverage or demonstrated financial achievement.

1.65B

Global household reach

75% of worldwide households — long-term target

STRATEGIC TARGET
100M

U.S. household reach

Within, not additional to, the global target

STRATEGIC TARGET
1M

First financial transformation milestone

Households verified to meet all three outcomes

STRATEGIC TARGET
10

Generational commitment

Generations of knowledge, stewardship and opportunity

STRATEGIC TARGET

The worldwide 1.65 billion figure is a rounded planning target. Household estimates and denominator years will be reviewed periodically. United States households are included in the worldwide count.

OUR PURPOSE

Empower the family. Not just its finances.

We exist to transform the relationship between families, financial knowledge, technology, opportunity and generational prosperity.

Financial knowledge should not be reserved for the wealthy. We envision a world where families can learn, organize, plan and work toward a stronger future together.

Our mission and values
THE FINANCIAL TRANSFORMATION NORTH STAR

Three outcomes. One household milestone.

Our first major verified impact goal is one million unique households meeting all three standards at the same time. Participation and progress never substitute for documented financial results.

01

DEBT FREEDOM

Qualifying personal debt eliminated, including mortgage obligations.

02

OUTRIGHT HOMEOWNERSHIP

Primary residence owned without qualifying mortgage debt or ownership liens.

03

$1 MILLION+ FINANCIAL ASSETS

Qualifying savings and investments, excluding primary-home equity.

Qualifying outcomes require appropriate evidence, authorization and consistent definitions. Financial education and planning are not guarantees of investment performance, homeownership or debt elimination.

Three generations walking together through a garden.
TEN GENERATIONS

Build knowledge that outlives a moment.

Our commitment does not end with a single milestone. We aim to support financial education, responsible asset stewardship and succession preparedness across generations.

Future generations are a long-term commitment, not outcomes that can be counted or guaranteed today.

Explore the principles of legacy
INTEGRITY IN MEASUREMENT

Reach is not the same as transformation.

We distinguish our ambition from verified household engagement and completed financial milestones. Operational results will be published only when data and measurement methods support them.

Global reach

Unique engaged households worldwide and within the United States, counted once with appropriate evidence.

Actual verified reach: not published

Financial transformation

Independent verification of debt freedom, outright homeownership and qualifying financial assets.

Actual qualified households: not published

Generational continuity

Documented learning, succession preparedness and independently verified successor-household outcomes.

Actual verified continuity: not published
Explore the measurement standards

Worldwide households reached

Deduplicated unique households with evidence of meaningful authorized engagement within the reporting period, across all countries including the United States.

Verification: Dated engagement event, permissioned household ID, residence-country data and deduplication

United States households reached

Subset of worldwide reached households resident in the United States, never added to worldwide reach.

Verification: Same standards as worldwide reach with verified geography

Meaningfully engaged households

Households completing a qualifying educational, organizational, planning or appropriately authorized partnership activity.

Verification: Documented event, qualified household identifier, consent and reporting window

Households making documented financial progress

Households with verified improvement against a dated baseline and a documented indicator; separate from the three-outcome qualification.

Verification: Consent-based baseline and follow-up evidence

Verified debt-free households

Households with no qualifying outstanding personal debts including primary-home mortgage debt.

Verification: Authorized debt evidence, verification date and defined inclusion policy

Verified outright homeowner households

Households owning a primary residence without qualifying mortgage or ownership liens.

Verification: Authorized primary-residence ownership and lien evidence

Verified $1M+ financial-asset households

Households with at least USD 1,000,000 in qualifying savings and investment assets excluding primary-home equity, using consistent account, liability and FX treatment.

Verification: Permissioned dated asset records, joint-asset deduplication and documented conversion methodology

Households meeting all three outcomes

Unique households simultaneously verified debt-free, primary-homeowners outright and holding at least USD 1,000,000 qualifying savings/investments.

Verification: All three qualifying states simultaneously valid, with evidence and provenance

Verified financial education participation

Consent-based household or individual learning completion with age-appropriate measurement, not a claim of future wealth.

Verification: Actual completion evidence and appropriate minor protections

Verified successor households

Distinct participating households of subsequent generations with lawful relationship authorization and independent outcome tracking.

Verification: Independent consent, separate household identity and dated participation
THE OFFICIAL CHARTER · OCTOBER 2026

AVA GENERATIONS™ Global North Star Charter.

Project Global Legacy 75™ — the complete ten-article statement of our purpose, vision, mission, ambitions, principles and measurement commitments.

ARTICLE IOUR PURPOSE

WHY AVA GENERATIONS™ EXISTS

We exist to transform the relationship between families, financial knowledge, technology, opportunity and generational prosperity.

Our purpose is to make the knowledge, organization, financial direction and technological resources necessary for building lasting prosperity more accessible to families everywhere.

We believe financial understanding should not be a privilege reserved for the wealthy.

We believe financial opportunity should not depend solely on where someone was born, the resources they inherited or the education they received.

We believe the family can become one of the most powerful foundations for financial progress when its members are informed, connected, organized and working toward a meaningful future.

Our purpose is to empower the family—not simply manage its finances.

ARTICLE IIOUR GLOBAL VISION

THE FUTURE WE INTEND TO CREATE

Our vision is to establish AVA GENERATIONS™ as a globally accessible, family-centered financial technology ecosystem serving 75% of the world’s households.

We envision reaching approximately 1.65 billion households worldwide, including 100 million households throughout the United States.

We envision a world in which families possess greater financial understanding, greater control over their information, stronger financial organization, clearer economic opportunities and more intentional plans for future generations.

Beyond access to technology, we envision measurable financial transformation: families eliminating debt, attaining outright homeownership, building at least $1 million in savings and investments, and preparing subsequent generations to pursue these achievements.

Our ultimate vision is a world in which financial progress becomes a lasting family legacy.

ARTICLE IIIOUR MISSION

WHAT AVA GENERATIONS™ IS COMMITTED TO DOING

Our mission is to connect households worldwide with the financial education, intelligent technology, organizational resources, strategic planning and opportunities that help them pursue financial independence and multigenerational prosperity.

We seek to bring clarity to financial complexity, direction to household financial decisions, and structure to the long-term financial ambitions of families.

We are committed to making family-centered financial advancement accessible, practical, measurable and capable of extending beyond any single generation.

We pursue this mission through responsible technology, education, partnerships, financial organization, individualized planning frameworks and accountable measurement of household progress.

Our mission is global in reach, measurable in impact and generational in purpose.

ARTICLE IVTHE GLOBAL REACH NORTH STAR

75% OF THE WORLD’S HOUSEHOLDS

AVA GENERATIONS™ establishes the long-term strategic goal of reaching 75% of the world’s households through meaningful engagement with its technology, education, products, services or authorized delivery partnerships.

Our initial global planning target is approximately 1.65 billion unique households, based on the estimated worldwide household population.

Our United States national target is 100 million unique households.

The U.S. target is included within the global target and must never be counted a second time.

Global household estimates will be reviewed and updated annually.

Our reach must be demonstrated through verified, meaningful household participation—not merely website traffic, advertising impressions, downloads or unverified registrations.

ARTICLE VTHE FINANCIAL TRANSFORMATION NORTH STAR

THE THREE OUTCOMES

AVA GENERATIONS™ establishes a separate financial transformation mission.

Its first major verified achievement target is one million households meeting all three of the following outcomes simultaneously:

OUTCOME ONE: DEBT FREEDOM

The household has eliminated its qualifying outstanding personal debt, including mortgage debt.

OUTCOME TWO: OUTRIGHT HOMEOWNERSHIP

The household owns its primary residence free and clear of mortgage debt and other qualifying ownership liens.

OUTCOME THREE: MILLIONAIRE FINANCIAL ASSETS

The household possesses at least $1 million in qualifying savings and investment assets, excluding primary residence equity.

The three outcomes are measured independently and together.

No household counts toward the fully transformed milestone unless all three conditions are supported by appropriately authorized verification.

These standards represent financial destinations, not promises of results.

ARTICLE VIOUR TEN-GENERATION COMMITMENT

WEALTH BEYOND ONE LIFETIME

Our commitment does not end when a household reaches a financial milestone.

We aim to help families develop the knowledge, values, systems, financial responsibility and succession readiness needed to carry progress forward.

AVA GENERATIONS™ will pursue a long-term framework for financial education, responsible asset stewardship, protection, ownership, entrepreneurship, family collaboration and succession planning.

One generation establishes a foundation. The next learns how to build upon it.

Ten generations represents the enduring direction of our mission.

Each generation’s outcomes must be independently evaluated rather than assumed or guaranteed.

ARTICLE VIIOUR BRAND PROMISE

AVA GENERATIONS™ is committed to helping families gain greater clarity, organization, knowledge and direction in their financial lives.

We strive to make sophisticated financial concepts easier to understand and complex household decisions easier to organize.

Our promise is the quality of the experience, the integrity of our methods and our commitment to helping families pursue measurable progress.

We do not promise guaranteed wealth, homeownership, investment returns or debt elimination.

We deliver a clearer path to informed action, not a guarantee of any particular financial destination.

ARTICLE VIIIOUR FOUNDATIONAL VALUES
FAMILY FIRST

We design around real households and the people who depend on them.

FINANCIAL EDUCATION

Knowledge is a foundation for better financial decisions.

OWNERSHIP

We recognize the importance of responsible asset ownership, financial independence and long-term control.

ACCESSIBILITY

Financial education and useful technology should be broadly accessible, not limited to affluent households.

INNOVATION

We pursue technology that simplifies complexity and helps people act with greater understanding.

PRIVACY AND TRUST

Confidential family information must be protected through appropriate consent, security and authorization.

MEASURABLE ACCOUNTABILITY

We distinguish aspiration, participation, financial progress and verified outcomes.

GENERATIONAL STEWARDSHIP

We promote responsible continuity of financial knowledge, opportunity and assets.

INTEGRITY

Our public claims must reflect evidence, not exaggeration.

ARTICLE IXOUR GLOBAL IMPACT COMMITMENT

AVA GENERATIONS™ will maintain independently measurable systems for:

1

Global household reach.

2

U.S. household reach.

3

Meaningful household engagement.

4

Financial education participation and demonstrated learning.

5

Verified household financial progress.

6

Verified debt freedom.

7

Verified outright homeownership.

8

Verified qualifying millionaire financial assets.

9

Households achieving all three outcomes.

10

Generational education, succession readiness and verified successor-household outcomes.

We will not represent unverified households as financially transformed.

We will not represent platform access as proof of financial achievement.

We will not represent long-term strategic goals as existing accomplishments.

ARTICLE XOUR GLOBAL DECLARATION

We believe a family should be more than a collection of individuals managing disconnected financial lives.

We envision families united by financial knowledge, empowered by technology, strengthened by ownership and guided by a shared understanding of their future.

Our ambition reaches across countries, cultures, income levels and generations.

Our direction is clear.

100 MILLION HOUSEHOLDS IN AMERICA.

1.65 BILLION HOUSEHOLDS WORLDWIDE.

ONE MILLION VERIFIED FINANCIALLY TRANSFORMED HOUSEHOLDS AS OUR FIRST MAJOR IMPACT MILESTONE.

TEN GENERATIONS OF FINANCIAL KNOWLEDGE, STEWARDSHIP AND OPPORTUNITY.

This is our global North Star.

This is the destination against which we will measure our progress.

AVA GENERATIONS™

ONE FAMILY. TEN GENERATIONS. UNLIMITED POSSIBILITIES.

This charter establishes organizational ambitions and intended measurement standards. It does not certify that any targets have already been achieved.

ONE FAMILY. TEN GENERATIONS. UNLIMITED POSSIBILITIES.

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