Episode 126
Organizing Life Through Fintech: Fraser Stewart on Building Lyfeguard – Fintech Garden
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Episode 126: Fraser Stewart: Redefining How We Manage Life, Legacy, and Financial Data
What if all your important information—from your will to your mortgages—lived securely in one place, always accessible, and shareable with the right people when it mattered most?
In this episode, Fintech Garden host Igor Tomych welcomes Fraser Stewart, founder of Lyfeguard, a fintech startup born from a personal loss and built to fix how people organize their financial and personal data.
The Story Behind Lyfeguard #
The idea emerged after Fraser’s father helped friends settle their estates—a process plagued by missing documents, untraceable accounts, and confusion. This experience exposed a universal problem: people live digitally, but their most vital information is scattered across emails, apps, and memories.
Lyfeguard turns that chaos into clarity—a single secure hub for managing, understanding, and sharing your life’s information.
Topics Covered #
- The emotional and practical gap Lyfeguard solves.
- Why fintech must address taboo topics like death and legacy.
- How open banking (PSD2) and open finance are transforming information management.
- The advantages of a B2B2C model—partnering with advisers, lawyers, and insurers.
- Lyfeguard’s unique position between personal finance, data storage, and estate planning.
- Data privacy, encryption, and the challenge of building trust in sensitive fintech.
- Future vision: AI-driven agents to help users manage data securely and intelligently.
Lessons from Building Lyfeguard #
Stuart shares how shifting messaging from “end-of-life” to “life organization” unlocked growth, why timing user engagement is crucial, and how fintech founders must balance empathy with compliance when dealing with personal data.
Books Mentioned #
- The Psychology of Money—Morgan Housel
- Positive Intelligence—Shirzad Chamine
Why Listen #
This episode isn’t just about fintech—it’s about redefining how technology can simplify human life. Whether you’re an entrepreneur, adviser, or someone thinking about digital legacy, Lyfeguard’s story is a rare mix of emotion, innovation, and execution.
🎧 Tune in to Episode 126 to learn how secure data management, open finance, and human-centered design can reshape the way we live—and leave—our digital footprints.
Guest Appearing in this Episode
Fraser Stewart
Fintech Entrepreneur | Co-founder of Lyfeguard | Currently Raising
Fraser Stewart builds things that solve real problems—usually the ones everyone quietly tolerates until it’s too late. Сo-founder at Lyfeguard, where we’re tackling one of life’s messiest blind spots: the scattered chaos of everyday admin, financial clutter, and unspoken legacy planning. It’s one place to organise, protect, and share everything that matters—built for families, delivered through professionals, trusted by partners who care about long-term relationships. Too many people feel overwhelmed when life gets complicated, and we’re building the tool he wished existed when his family needed it most. Before this, Fraser worked across finance, digital strategy, and innovation at HSBC and British Airways, picked up an MBA along the way, and found his way to a mission that’s personal, practical, and long overdue. Fraser Stewart cares about making life easier, clearer, or just a little less overwhelming—especially in moments that matter.
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