Planning Suite

Analysis & Decision Tools

Private planning tools — accessible from any device.

Tax & Estate Planning

Capital Gains Tax Projector

Federal LTCG rates, NIIT overlay, state selector, harvest slider, two-year timing split, and charitable giving module.

LTCG · NIIT · §1411 · Harvest · DAF

Trust Medical Funding Strategy

Strategy A vs. B — sell & loan vs. distribute & sell. Illinois estate tax, §213 medical deduction, DNI tracing.

§213 · §1411 · DNI · Illinois estate tax

IRMAA & Medicare Premium Calculator

Income-related Medicare surcharge projector — MAGI thresholds, Part B & D premiums, appeal triggers.

IRMAA · Part B · Part D · MAGI

Business & Compensation

S-Corp Salary Optimizer

Reasonable comp, QBI regime detection, SE tax vs. distribution tradeoff — scenario comparison across salary levels.

QBI · §199A · SE tax · W-2 wage limit

Group Health Plan Evaluator

Compare employer-sponsored plans — premium, deductible, OOP max, and HSA eligibility side by side.

HSA · HDHP · OOP · Premium

Retirement & Income

Social Security Optimizer

Break-even analysis, spousal coordination, and claiming age comparison — 62 through 70.

FRA · Break-even · Spousal · Survivor

Insurance & Protection

Life Insurance Needs Analysis

Human life value and needs-based approaches — income replacement, debt coverage, and survivor income gap.

HLV · Income replacement · Survivor gap

Practice Tools

Client Memo Generator

AI-assisted planning memo — structured output for key decisions, action items, and scenario summaries.

AI · Planning memo · Action items

For internal planning and analysis use only. Not legal or tax advice. All projections are illustrative and should be reviewed with qualified counsel before implementation.