Make deep planning insights a core client service

Model wealth transfer outcomes in the present day using data automatically imported into Luminary. Unlike AI-generated estimates or stand-alone calculators, Luminary’s deterministic engine calculates federal estate, state estate, inheritance, and GST taxes from the modeled plan—resolving interactions among jurisdictions, deductions, exemptions, beneficiary relationships, and who bears each tax. See what each beneficiary would actually receive through consistent, reviewable math.

Start with the client’s current estate, then layer in gifts, trust strategies, charitable planning, valuation discounts, and different growth or timing assumptions to see what changes. Compare multiple hypotheticals side by side across estate value, taxes, and beneficiary outcomes. Use Tax Alpha reporting to quantify the federal and state tax value created by planning and make the impact of your advice tangible.

Produce flexible, firm-branded presentations using templates designed for different client conversations. Bring together the current plan, modeled alternatives, balance sheets, visualizations, and educational materials, then edit, reorder sections, and add notes or disclosures. The deliverable updates automatically as values and analysis change, making wealth transfer an ongoing service rather than a once-a-year project.