The Estate analysis screen visualizes how assets flow to a surviving spouse and clients' heirs in a dynamic environment. For a brief overview of the Estate analysis watch this short video.

To access the estate analysis tools, select open client next to the desired client, then select Estate from the top navigation once the client's portal loads.

Key Takeaways

  • Visualize how a client's finances will flow to their beneficiaries
  • Learn how to model various Trust options to strengthen the client's financial goals

There are two tabs under Estate: checklist and analysis. Both are covered here; let's dive in:


The Checklist is a simple way to keep track of important estate planning tasks.

Analysis and the Flow sub-tab

The Analysis tab defaults to the Flow sub-tab. The Flow tab provides comprehensive modeling tools and accessible visualization of the flow of assets from the client to their heirs.

This powerful visual tool allows clients to see with clarity through the sometimes murky waters of estate planning — continuing to elevate your services as a critical component to your client's retirement success!

Trust Strategies

Use the Estate Analysis Action Items to illustrate moving assets from clients' investment accounts to different types of trusts. To do so, click Edit under the Action Items section.

Enabling Trusts

Check off the type of trust to illustrate. Use the analysis to illustrate moving assets to a Credit Shelter Trust or Charitable Remainder Trust, or paying premiums into an Irrevocable Life Insurance Trust.

Once a trust option is selected, update the parameters associated with the trust.

Credit Shelter and Charitable Remainder Trusts

  1. Use the From account drop-down box to select the account from which assets will be transferred into the trust.
  2. Select an Income type of either (1) a fixed dollar amount or (2) a percentage of the trust value.
    1. This indicates the income the client receives from the trust.
    2. Specify the actual amount/percentage back in the Action Items section once you hit Save.
  3. The Income term indicates the duration over which the client will receive income; this can be for a lifetime or for a fixed term.
    1. If for a fixed term, indicate the years using the 'Starting year' and 'Ending year'.
  4. If a percentage of assets is specified for Trust fees, that percentage of assets will be removed from the trust annually.

Irrevocable Life Insurance Trust

Indicate in the Insured drop-down box the client on whose life the insurance will be paid, and specify when premiums for that insurance policy will stop being paid.

Remember, you will input the premium amount back in the Action Items section once you hit Save.

Illustrating Trust Values

Once a trust option is enabled, update key information under the Action Items section and view results by clicking Refresh.

Credit Shelter Trust

Use the slider bar or text box to indicate the Asset value to move from the selected account to the Credit Shelter Trust.

Full account value

If you indicate an amount greater than the value of the indicated account, we will move the full value of that account to the trust.

The Annual income field sets the amount or percentage of trust value (as selected on the 'Edit' screen) that the client will receive annually from the trust.

Charitable Remainder Trust

Use the slider bar or text box to indicate the  Asset value to move from the selected account to the Charitable Remainder Trust.

Specify the Tax deduction the client will be receiving upon making the gift to the CRT.

CRT tax deductions

This functionality is being worked on during the Beta period and will be available shortly.

The Annual income field sets the amount or percentage of trust value (as selected on the 'Edit' screen) that the client will receive annually from the trust.

Irrevocable Life Insurance Trust

Use the slider bar or text box to indicate the Annual premium that will be paid into the insurance policy. Premiums will be paid from the client's cash flows until the 'Premium ends' date indicated on the 'Edit' screen.

Additionally, indicate the Death benefit that will be paid to heirs upon the death of the second spouse to die.

Additional Parameters

Use the action items to illustrate changes to clients' planning horizon (life expectancy) and expenses associated with wealth transfer.

Accessing the planning horizon in Estate

In order to illustrate changes to the client's planning horizon:

  1. Navigate to the Retirement Analysis screen
  2. Open the Action Items
  3. Click on Edit
  4. Set the client/co-client's planning horizon

Once saved, so that the planning horizon displays under the Action Items on the Retirement Analysis page, it will also display on the Estate Analysis page.

Comparison sub-tab

The Comparison tab illustrates the impact of any changes made under the 'Action Items' to the specific parameters or trust strategies.

See the impact of the strategies indicated in the Action Items section on the value passed to heirs and any amount given to charity, as well as the impact on the total taxes, fees, and expenses.

If Income is selected under the drop-down box, you will see a chart showing the client's income, similar to the Retirement Analysis Income tab. This will factor in the impact of any trust income specified.

Details sub-tab

The Details tab provides a list of categories which, together, represent the monetary values reflected in the Flow tab.