The definitive AI platform for estate planning.
Run the deemed disposition on your client's real entity graph. Compare freeze, trust, and insurance strategies. Every number is sourced to the rule that produced it.
Where the estate goes
On a $100M estate, the gap between no plan and a defended plan is $32M to the family.
The problem
Ultra-high-net-worth (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, and freeze shares, all traversed as a graph rather than 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
Erosion waterfalls, strategy comparisons, and AI narratives an advisor can defend in the room.
Exhibit A · the working surface
One client file. Gross estate, tax, and net to family, recalculated as the structure changes.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.
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
Hybrid plan: 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), which we recommend funding with a Class B rollover to qualify the operating company 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.
Drafts in your voice
Composes the strategy memo from the live engine output, not a generic template.
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 engine run on a sample $100M Ontario estate, end to end, in twenty minutes.