Generational Wealth Intelligence — for advisors to UHNW families
Model the estate before it’s an inheritance.
Simulate estate tax, visualize multi-entity corporate structures, and compare planning strategies side-by-side. Built for estate lawyers, CPAs, insurance advisors, and family offices serving Canadian clients $20M to $2B+.
For illustrative and planning purposes only. Not legal, tax, or investment advice.
Gross estate
$0
Without planning
$0
Net to family after deemed disposition, probate, and corporate double tax.
With a defended plan
$0
Freeze + trust + insurance, modeled and quantified.
The problem
UHNW estates are too complex for retail planning tools.
Advisors face a structural gap between the complexity of multi-entity estate structures and the tools available to model them. Existing software is built for retail clients — visually weak, static, and incapable of simulating layered corporate structures, multi-jurisdiction rules, insurance optimization, or succession dynamics at scale.
Multi-entity ownership
Individuals, HoldCos, OpCos, trusts, LPs, freeze shares — traversed as a graph, not a flat table.
Corporate double tax
Shareholder gain at death stacked with retained earnings extraction, modeled end-to-end.
Time-versioned tax rules
Every rate, inclusion, and bracket lives in a versioned table with effective dates — never hardcoded.
Boardroom-ready output
Animated erosion waterfalls, strategy comparisons, and AI narratives advisors can present.
A live slice of the engine
Move the sliders. See the estate erode.
This is the same waterfall advisors run in client engagements — capital gains tax and Ontario probate applied to a deemed disposition at death, projected forward at compounding growth.
Estate value today
$100M
Horizon
Death today
Asset growth rate
6.0%
Total tax
$18M
Net to family
$82M
Effective rate
17.6%
Estate erosion
17.6%
Illustrative simulation only. Uses 50% inclusion, top combined Ontario marginal rate, and Ontario probate. The production engine reads rates from the versioned TaxRules table by jurisdiction and effective date.
Where the estate goes
Today: gross $100M → net $82M after tax.
System architecture
Six engines. Independently composable.
No engine is hardcoded to another. Each exposes a clean API and consumes rules from a jurisdiction-aware, date-versioned rule layer — so legislative change is a configuration update, not a code release.
01
Phase 1Data Engine
Client records, multi-entity ownership graph, asset inventory, tax attributes, document storage, immutable audit log.
02
Phase 1Tax Engine
Deemed disposition, capital gains, probate, CDA / GRIP / RDTOH, LCGE, trust rules — every rate versioned, never hardcoded.
03
Phase 1Simulation Engine
Death today and across 10, 20, 30-year horizons. Inflation, growth, mortality, strategy comparison pipelines.
04
Phase 1Structure Engine
HoldCo / OpCo / Trust / LP traversal. Freeze share hierarchies, intercompany loans, shareholder agreements.
05
Phase 1Visualization Engine
Interactive corporate org charts, erosion waterfalls, liquidity gauges, wealth transfer timelines.
06
Phase 1AI Explanation Engine
Plain-language executive summaries and boardroom narratives. Reads structured engine output — does not perform calculations.
Feature 02 — Strategy Comparison
Five strategies. One screen. Defensible deltas.
Run no plan, freeze, trust, insurance, pipeline, and CDA scenarios through the full tax engine in parallel. AI narrative auto-generates the boardroom explanation for each outcome.
Net estate to family
vs. no plan
Illustrative on a $100M base. Production scenarios run the full engine on the client's actual entity graph and asset inventory.
Built for advisors
The intelligence layer behind every estate conversation.
UHNW families consume the outputs. Advisors operate the platform.
Estate & Tax Lawyers
Model testamentary structures, trust provisions, freeze mechanics, and post-mortem strategies. Quantify advice before drafting.
CPAs & Tax Advisors
Run deemed disposition, LCGE eligibility, purification, CDA optimization, and corporate integration scenarios.
Insurance Advisors
Model death benefit flows, CDA creation, IRR, liquidity replacement, and corporate vs. personal insurance ownership.
Wealth Managers & Bankers
Aggregate net worth, visualize concentration, project future estate value, prepare wealth transfer reports.
Family Office Principals
Run advanced multi-entity scenarios. Stress test under tax reform assumptions. Model succession across generations.
Not a fit
Retail clients. Tax filing. Compliance certifications.
We model, estimate, and visualize — we do not file, advise, or certify.
Security & compliance
Architected for the data UHNW advisors actually hold.
SIN numbers, net worth statements, family structures. Security is non-negotiable and built in from day one — not retrofitted.
AES-256 at rest
All PII — SIN, DOB, net worth — encrypted with AES-256.
TLS 1.3 in transit
No plaintext on any API surface. Modern ciphers only.
Row-level security
Postgres RLS — advisors only see their own clients, enforced at the database.
PIPEDA compliant
Canadian resident data handled to PIPEDA standards; data residency in Canadian AWS regions.
SOC 2 pathway
SOC 2 Type II audit pathway begins Phase 2. Full audit log of access, simulations, exports.
No AI training
The AI narrative layer receives anonymized simulation outputs. Client data never trains a model.
Roadmap
A 24-month build. Boardroom-ready in Phase 1.
Phase 1
AvailableCore Estate Intelligence
- Estate Tax Simulation (today / +10 / +20 / +30 years)
- Strategy Comparison Engine (up to 5 scenarios)
- Corporate Structure Visualization (React Flow)
- Estate Liquidity Analyzer + Insurance Layer
- AI Executive Summary + branded PDF export
Phase 2
ComingAdvanced Planning Intelligence
- 21-Year Trust Rule Engine with countdown alerts
- LCGE / QSBC Eligibility + Purification Analysis
- Pipeline Planning & Post-Mortem Strategy
- Monte Carlo / Stochastic Simulation
- Multi-Advisor Collaboration
Phase 3
ComingEnterprise & Family Office
- Live Net Worth Aggregation (open banking)
- Tax Reform Scenario Simulation
- Cross-Border US-Canada Estate Modeling
- Enterprise Family Office Reporting
- White-Label Deployment
Book a demo
See your next engagement, modeled.
Bring a real client structure — even a redacted one — and we'll walk through the simulation, strategy comparison, and AI narrative live.
- 30 minutes, video call.
- Estate erosion + strategy comparison walkthrough.
- Optional: bring a redacted client structure.