In 2017, Cody Barbo told a room of investors that he was getting married in a month. His friend asked him this question: “Hey man, you’re getting married. Do you have a will?” Barbo froze, threw out a mild swear word and answered, “I should probably have one.”

Barbo is the CEO of Trust & Will, a San Diego company that simplifies the creation of estate planning documents by drafting documents with its lawyer-vetted software.

Eight years later, Barbo is married and his family has grown.

So has his company. Trust & Will, based in San Diego’s Bankers Hill, has helped more than 1 million families make estate plans, Barbo said in an interview from his Dallas home office.

“Normally you pay thousands of dollars up front to do this with an attorney, or hundreds to thousands of dollars for those updates, for that ongoing guidance,” he said. “This is the democratization of estate planning.”

It has raised more than $80 million from venture capital and corporate investors including Moderne Ventures, American Express, AARP and Northwestern Mutual. Last year, the company became “cash-flow positive,” startup speak for hitting profitability, and then secured a Series C round of capital this year. It employs around 110 people, up from around 80 in 2023.

And last week, it announced the launch of a new AI-powered platform called EstateOS, which Barbo says will make estate planning even easier, more efficient, more personalized and more broadly accessible. It also turns Trust & Will — one of several companies that digitally create estate plans — into what Barbo says is “the first company to launch an AI-integrated estate planning platform at scale, specifically designed for both consumers and financial professionals. While others may be experimenting with AI, EstateOS is the first comprehensive system combining Trust & Will’s proprietary estate planning software with embedded OpenAI-powered tools to streamline creation, review, and updates of estate plans.”

New tools, an AI boost

Using proprietary software and OpenAI, EstateOS delivers four features that are “intelligent upgrades of previously manual or slower processes,” Barbo said, who co-founded the company with Daniel Goldstein and Brian Lamb.

Some of the new features will appeal to U.S. consumers — only 31% of which have a will, according to a company survey of 10,000 people — and others will appeal to the company’s industry targets: financial planners, life insurance agents, nonprofits and attorneys, he added.

One feature, called PlanScore, does what its name suggests: It “scores” estate plans with a rating system that helps customers find blind spots and figure out where their estate plan needs buttressing.

Another is an AI assistant that lets users ask questions and have the answer served instantly. Instead of digging around to find out who was named as a guardian, Barbo said, you can ask who the guardian is and get reminded that it is your mother-in-law.

A third feature is document extraction, which will summarize and mine user-submitted documents for useful or actionable data and workflows. This could be especially useful for people who have drawn estate plans that are “just sitting in a box in the closet.”

The last feature streamlines communication — and client prospecting. The “Connected Networks” tool brings together parties connected to an account, including executors, beneficiaries, attorneys and financial advisers, into a shared platform. That can make deed transfers and notarized transactions run more smoothly, and also make it easier for those professionals to build their contact lists.

Down the line, Barbo said a fifth service will keep track of life’s seismic events, the kind where an estate plan update could make sense, such as marriage, divorce, a new baby, a home purchase — and alert users when they should amend something.

Pricing to create a will or trust remains the same. An individual’s will-based plan starts at $199 and a trust-based plan starts at $499. Couples are charged an extra $100, and updates cost extra. Optional memberships at different pricing tiers give access to the EstateOS and other features. Attorney support is included in some plans or can be purchased as an add-on.

The estate planning startup’s plans

For its first eight years, Trust & Will was one of several in a crowded digital legal document and estate planning marketplace, all of which turned estate planning from a costly investment to something that could be scratched off one’s to-do list with a few clicks and a spare hour. LegalZoom and Rocket Lawyer are the bigger names, but there’s also WillMaker.com and the company that would win wittiest estate planning domain name, if that were a thing — FreeWill.com.

The National Council on Aging recommends these online tools, saying “If an attorney isn’t in your budget, an online will-making service can be a good alternative.” Among the five companies it recommends, Trust & Will is crowned “most user-friendly.”

In estate planning, the use of AI is a topic of interest for attorneys, according to the American College of Trust and Estate Counsel. A free video series explores practical and ethical issues around generative AI in estate planning. “Resistance to the coming of AI is futile,” one speaker, a law professor, said last year. Lawyers, he added, “should keep abreast of the changes in the law and its practice, including the benefits and risks associated with relevant technology. So accordingly, you have an obligation to yourself, your clients, and the profession to become acquainted with and proficient with the use of AI in your estate planning practice.”

Barbo’s 2017 pitch to investors succeeded: His company won $5,000 in seed money. Today he is eyeing the biggest prize for a startup —  to take the company public.

By MARK SHERMAN

WASHINGTON (AP) — A divided federal appeals court on Friday threw out an agreement that would have allowed accused Sept. 11 mastermind Khalid Sheikh Mohammed to plead guilty in a deal sparing him the risk of execution for al-Qaida’s 2001 attacks.

The decision by a panel of the federal appeals court in Washington, D.C., undoes an attempt to wrap up more than two decades of military prosecution beset by legal and logistical troubles. It signals there will be no quick end to the long struggle by the U.S. military and successive administrations to bring to justice the man charged with planning one of the deadliest attacks ever on the United States.

The deal, negotiated over two years and approved by military prosecutors and the Pentagon’s senior official for Guantanamo Bay, Cuba, a year ago, stipulated life sentences without parole for Mohammed and two co-defendants.

Mohammed is accused of developing and directing the plot to crash hijacked airliners into the World Trade Center and the Pentagon. Another of the hijacked planes flew into a field in Pennsylvania.

The men also would have been obligated to answer any lingering questions that families of the victims have about the attacks.

But then-Defense Secretary Lloyd Austin repudiated the deal, saying a decision on the death penalty in an attack as grave as Sept. 11 should only be made by the defense secretary.

Attorneys for the defendants had argued that the agreement was already legally in effect and that Austin, who served under President Joe Biden, acted too late to try to throw it out. A military judge at Guantanamo and a military appeals panel agreed with the defense lawyers.

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But, by a 2-1 vote, the U.S. Court of Appeals for the District of Columbia Circuit found Austin acted within his authority and faulted the military judge’s ruling.

The panel had previously put the agreement on hold while it considered the appeal, first filed by the Biden administration and then continued under President Donald Trump.

“Having properly assumed the convening authority, the Secretary determined that the ‘families and the American public deserve the opportunity to see military commission trials carried out.’ The Secretary acted within the bounds of his legal authority, and we decline to second-guess his judgment,” Judges Patricia Millett and Neomi Rao wrote.

Millett was an appointee of President Barack Obama while Rao was appointed by Trump.

In a dissent, Judge Robert Wilkins, an Obama appointee, wrote, “The government has not come within a country mile of proving clearly and indisputably that the Military Judge erred.”

By DAVID A. LIEB

JEFFERSON CITY, Mo. (AP) — Eight months after voters approved it, Missouri Gov. Mike Kehoe signed the repeal of a law Thursday that had guaranteed paid sick leave to workers and inflationary adjustments to the minimum wage.

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The move marked a major victory for the state’s largest business group and a frustrating defeat for workers’ rights advocates, who had spent years — and millions of dollars — building support for the successful ballot measure. The repeal will take effect Aug. 28.

Kehoe, who also signed a package of tax breaks Thursday, described the paid sick leave law as an onerous mandate that imposed burdensome record-keeping.

“Today, we are protecting the people who make Missouri work — families, job creators, and small business owners — by cutting taxes, rolling back overreach, and eliminating costly mandates,” Kehoe, a Republican, said in a statement released after a private bill-signing ceremony.

The new tax law excludes capital gains from individual state income taxes, expands tax breaks for seniors and disabled residents and exempts diapers and feminine hygiene products from sales taxes.

Richard von Glahn, who sponsored the worker benefit ballot initiative, said many parents felt forced to go to work, instead of staying home to care for a sick child, in order to pay for their rent or utilities.

“The governor signing this bill is an absolute betrayal to those families, and it hurts my heart,” said von Glahn, policy director for Missouri Jobs With Justice.

About one-third of states mandate paid sick leave, but many businesses voluntarily provide it. Nationwide, 79% of private-sector employees received paid sick leave last year, though part-time workers were significantly less likely to receive the benefit than full-time employees, according to Department of Labor data.

Voters in Alaska, Missouri and Nebraska all approved paid sick leave measures last November. Only Alaska’s, which kicked in on July 1, has remained unchanged by state lawmakers.

Before Nebraska’s measure could take effect Oct. 1, Republican Gov. Jim Pillen signed a measure last month exempting businesses with 10 or fewer employees from the paid sick leave requirements. The revision also lets businesses withhold paid sick leave from seasonal agricultural workers and 14- and 15-year-olds.

Missouri’s law allowed employees to earn one hour of paid sick time for every 30 hours worked, starting May 1. By the time it’s repealed, 17 weeks will have elapsed. That means someone working 40 hours a week could have earned 22 hours of paid sick leave.

If workers don’t use their paid sick leave before Aug. 28, there’s no legal guarantee they can do so afterward.

The Missouri Chamber of Commerce and Industry had made repealing the law its top legislative priority.

The “paid leave and minimum wage policies were a job killer,” chamber President and CEO Kara Corches said.

But Missouri voters could get a second chance at mandating paid sick leave.

Von Glahn has submitted a proposed ballot initiative to the secretary of state that would reinstate the repealed provisions. Because the new measure is a constitutional amendment, the Legislature would be unable to revise or repeal it without another vote of the people. Supporters haven’t decided whether to launch a petition drive to try to qualify the measure for the 2026 ballot.

By JON GAMBRELL

DUBAI, United Arab Emirates (AP) — An Iranian attack on an air base in Qatar that’s key to the U.S. military likely hit a geodesic dome housing equipment used by the Americans for secure communications, satellite images analyzed Friday by The Associated Press show.

The U.S. military and Qatar didn’t respond to requests for comment over the damage, which so far hasn’t been publicly acknowledged.

The Iranian attack on Al Udeid Air Base outside of Doha, Qatar’s capital, on June 23 came as a response to the American bombing of three nuclear sites in Iran — and provided the Islamic Republic a way to retaliate that quickly led to a ceasefire brokered by U.S. President Donald Trump ending the 12-day Iran-Israel war.

The Iranian attack otherwise did little damage — likely because of the fact that the U.S. evacuated its aircraft from the base, which is home to the forward headquarters of the U.S. military’s Central Command, before the attack.

Trump also has said that Iran signaled when and how it would retaliate, allowing American and Qatari air defense to be ready for the attack, which briefly disrupted air travel in the Middle East, but otherwise didn’t tip over into the regional war long feared by analysts.

Images show burn marks, dome gone after attack

Satellite images from Planet Labs PBC show the geodesic dome visible at the Al Udeid Air Base on the morning of June 23, just hours before the attack.

The U.S. Air Force’s 379th Air Expeditionary Wing, which operates out of the base, announced in 2016 the installation of the $15 million piece of equipment, known as a modernized enterprise terminal. Photos show a satellite dish inside of the dome, known as a radome.

Images taken June 25 and every day subsequently show the dome is gone, with some damage visible on a nearby building. The rest of the base appears largely untouched in the images.

It’s possible a fragment or something else struck the dome, but given the destruction of the dome, it was likely an Iranian attack, possibly with a bomb-carrying drone given the limited visible damage to surrounding structures.

The London-based satellite news channel Iran International first reported on the damage, citing satellite photos taken by a different provider.

Trump downplayed attack while Iran boasted about it

In the U.S., Trump described the Iranian attack as a “very weak response.” He had said that Tehran fired 14 missiles, with 13 intercepted and one being “set free” as it was going in a “nonthreatening” direction.

“I want to thank Iran for giving us early notice, which made it possible for no lives to be lost, and nobody to be injured,” he wrote on his website Truth Social.

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After the attack, Iran’s paramilitary Revolutionary Guard insisted that the air base had been the “target of a destructive and powerful missile attack.” Iran’s Supreme National Security Council also said that the base had been “smashed,” without offering any specific damage assessments.

Potentially signaling that he knew the dome had been hit, an adviser to Iranian Supreme Leader Ayatollah Ali Khamenei separately said that the base’s communications had been disconnected by the attack.

“All equipment of the base was completely destroyed and now the U.S. command stream and connection from Al Udeid base to its other military bases have been completely cut,” said Ahmad Alamolhoda, a hard-line cleric.

Nasser Karimi contributed to this report from Tehran, Iran.