The advisor workspace where the whole client lives on one screen.
Twenty disconnected logins collapse into one. Intake, modeling, documents, and correspondence become views of a single client record — with an estate-intelligence engine at the core that turns ten minutes of tax math into ten seconds.
Where the estate goes
On a $100M estate, the gap between no plan and a defended plan is $32M to the family.
The problem
An advisor serves one client through twenty disconnected tools.
A single client's reality is smeared across roughly twenty logins — carrier portals, a CRM, quoting tools, e-signature, email, planning software. None of them talk to each other. And the one thing that should be instant — modeling an estate's tax exposure for advisors serving affluent and ultra-high-net-worth (UHNW) clients — still takes ten error-prone minutes by hand. ARKIVE closes both gaps: the client record becomes the hub the whole engagement runs through, with the estate engine one click away.
One client record, every view
Intake, modeling, notes, documents, quotes, and correspondence render as views of the selected client — not twenty separate tools.
Ten minutes to ten seconds
Completed intake flows straight into the estate engine. A full deemed-disposition model runs in one click, with no data re-entry.
Build the spine, integrate the limbs
Email and e-signature plug in through clean APIs. Not a password vault, not a carrier-portal aggregator.
The moat is the engine
Multi-entity ownership, corporate double tax, and time-versioned tax rules — modeled end to end and audit-traced. The part that is hard to copy.
Exhibit A · the working surface
One client file. Select the client once and every module — modeling, structure, strategy — is a view of it. Change the plan; gross estate, tax, and net to family recalculate live.Whitmore Family
| Asset | Owner | FMV | Gain |
|---|---|---|---|
| Operating co. sharesQSBC | Whitmore Holdings | $42.0M | $9.8M |
| Muskoka residence | James Whitmore | $18.3M | $9.2M |
| Marketable securities | Family Trust | $31.4M | $3.1M |
Three phases.
Thirteen engines.
One model.
Anyone can build a CRM; almost nobody can model an estate in ten seconds. This is the core the workspace is built around — what you do before death, what you tune while there is still time, and what you defend after. Every engine reads a jurisdiction-aware, date-versioned rule layer and emits a full audit trace.
Pre-mortem
Model the deemed disposition today and at +10 / +20 / +30 years. Compare freeze, trust, and insurance-funded liquidity side by side.
Tax · Simulation · Structure · Strategy · Insurance · Liquidity
Tax-planning core
Defuse the 21-year rule, qualify for the LCGE across the three tests, and surface coverage gaps before they become emergencies.
Trust · LCGE · Purification · Coverage
Post-mortem & strategic
Compare CDA-only, pipeline, hybrid, and spousal rollover after death. Score composite risk 0–100 and detect refreeze candidates.
Pipeline · Freeze · Risk
Estate freeze plus family trust.
On the current structure, a deemed disposition today would realize $57M in tax against a gross estate of $118MITA 70(5). Freezing the Holdings common shares at fair market value caps the founder's future growth and reattributes appreciation to a family trustITA 75(2). Funded with a Class B rollover, the operating company qualifies for the LCGE across the three testsITA 110.6.
Net result on the same gross estate: tax falls to $25M, net to family rises to $93M, and Ontario probate is bypassed entirely on the trust assetsON Probate §3.
AI co-pilot
From numbers to narrative, audit-traced.
The engine produces defensible numbers. The AI co-pilot turns them into a boardroom-ready brief that cites every claim back to the rule that produced it.
Explains, never recommends
States what each scenario does to tax, liquidity, and net to family. It never ranks options or prescribes a plan.
Every claim cited
Inline citations to the exact rule, version, and jurisdiction the number came from.
Always reproducible
Regenerate against any scenario, horizon, or rule version. The output is the audit trace.
Defensible by design
The structure is the model.
Individuals, corporations, and trusts on one graph, with the 21-year rule, CDA balances, and FMV live on every node. Change the structure; every downstream number recalculates and re-cites.
- Audit trace on every calculation
- Versioned, jurisdiction-aware tax rules
- Immutable, reproducible record
Bring a defended plan to the next boardroom.
See the workspace and the engine run on a sample $100M Ontario estate, end to end, in twenty minutes.