Financial Services · Moraph software

Wealth Transfer & Estate Visualization

Map a family's trusts and entities, and model how wealth transfer strategies play out, in one shared picture

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Overview

What you are buying

Wealth Transfer & Estate Visualization lets advisors and family office teams map who owns what across trusts, entities and individuals, and show how assets move at death or under a planned transfer. Planners model strategies such as grantor retained annuity trusts and charitable lead annuity trusts with the assumptions written down, and compare them side by side. Every illustration is reviewed before it reaches the family, and the attorneys and tax advisers who give legal and tax advice keep that role.

The problem it solves

For high-net-worth families, the estate plan lives in a stack of trust instruments, entity documents and attorney memos, and the picture of how it all fits together is a diagram someone drew once in presentation software. When a GRAT matures, an asset is sold or a beneficiary changes, the diagram is out of date. Projections of transfer taxes and remainder values are built in spreadsheets with assumptions that are hard to see, and different advisers to the same family work from different versions.

  • Trust and entity diagrams are drawn by hand and go stale
  • Projections hide their assumptions inside spreadsheets
  • Comparing strategies side by side means rebuilding the model each time
  • Attorneys, tax advisers and the family see different versions of the plan

Who uses it

  • Wealth planners and advisors at private banks, trust companies and RIAs
  • Single- and multi-family office teams
  • Estate attorneys and tax advisers who collaborate on a family's plan
  • Compliance teams who review client-facing illustrations
  • Families who want to understand their own plan

Requirements it supports

Internal Revenue Code Section 2702 (grantor retained annuity trusts)Internal Revenue Code Section 2522(c)(2)(B) and Treasury Regulation 25.2522(c)-3 (charitable lead annuity trusts)Internal Revenue Code Section 7520 (valuation tables and interest rates)Federal estate, gift and generation-skipping transfer taxes (Internal Revenue Code Chapters 11, 12 and 13)SEC Marketing Rule (17 CFR 275.206(4)-1), for illustrations shared by investment advisersRegulation S-P (17 CFR Part 248), privacy of consumer financial information

The product supports these requirements; meeting them remains your organization’s responsibility.

See how it works

A short walkthrough

Illustrative screens with fictional sample data. They show the workflow, not any client’s data or configuration, and the layout of the product itself differs. A live demonstration uses the product with sample data.

  1. Step 1

    The planner's families

    Planners start from their families, with the structures that need attention and upcoming plan events.

    FamilyTrustsEntitiesLast reviewedNext event
    Family 2207 (fictional)63Last quarterGRAT annuity payment due
    Family 1450 (fictional)42This monthCLAT payment
    Family 3318 (fictional)95Over a year agoNone scheduled
    Family 0871 (fictional)21This monthCrummey notices
    Planners start from their families, with the structures that need attention and upcoming plan events.

  2. Step 2

    A trust in the structure

    Each node in the diagram opens to its terms, parties, values and source documents.

    Example 2024 GRAT (fictional)

    Grantor
    Grantor A (fictional)
    Term
    2 years
    Annuity
    Fixed percentage, increasing 20% a year
    Section 7520 rate used
    Sample rate
    Assets
    Example Holdings LLC units, $4,000,000
    Remainder beneficiary
    Example Family Trust

    Documents

    • Trust instrument (attorney copy)
    • Funding memo
    • Valuation report for LLC units
    Each node in the diagram opens to its terms, parties, values and source documents.

  3. Step 3

    Comparing strategies

    The current plan and alternatives sit side by side, each with its assumptions listed.

    ScenarioAssumed growthProjected to heirsProjected transfer taxStatus
    Current plan6%$31.2M$9.8MBaseline
    Rolling 2-year GRATs6%$34.0M$8.4MIn tax review
    10-year CLAT6%$32.1M$8.9MDraft
    Sale to grantor trust6%$35.3M$7.9MAttorney comment open
    The current plan and alternatives sit side by side, each with its assumptions listed.

  4. Step 4

    Sensitivity

    A scenario is run across growth and rate assumptions so the family sees the range, not one number.

    Annual growthLower rateSample rateHigher rate
    2%$0.1M$0.0M$0.0M
    6%$2.9M$2.4M$1.9M
    10%$6.1M$5.5M$4.9M
    A scenario is run across growth and rate assumptions so the family sees the range, not one number.

  5. Step 5

    Review before release

    Illustrations pass tax review, outside adviser comments and compliance before the family sees them.

    IL-0915 · Family 2207 · Rolling GRATs

    1. Scenario prepared and sent for reviewPlanner
    2. Assumptions checked against firm defaultsTax analyst
    3. Comment on annuity structureOutside attorney
    4. Disclosures attached; approved for releaseCompliance reviewer
    5. Released to family viewPlanner
    Illustrations pass tax review, outside adviser comments and compliance before the family sees them.

  6. Step 6

    The family view

    Family members see an approved, plain-language summary of their plan and what is coming up.

    Family 2207 (fictional) · Your plan

    Trusts
    6
    Family entities
    3
    Latest illustration
    Rolling GRATs, approved
    Your planner
    Planner B (fictional)

    Coming up

    • GRAT annuity payment to the grantor
    • Annual review meeting
    • Crummey notice to acknowledge
    Family members see an approved, plain-language summary of their plan and what is coming up.

Workflows

The principal workflows

  1. Map

    The planner builds the family's structure: individuals, trusts, entities and accounts, with ownership percentages, trustees, beneficiaries and the key terms of each instrument.

    • Family members, trusts and entities added from documents and account data
    • Ownership and beneficial interests recorded with percentages
    • Trustees, powers and key dispositive terms summarized from the instruments
    • Account values linked from custodial or portfolio data
    • Source documents attached to each node

  2. Model

    Strategies are modeled on the current structure, with every assumption visible: growth and yield, the Section 7520 rate used, annuity terms, exemption amounts the planner enters, and timing.

    • Planner chooses a strategy such as a GRAT, CLAT, gift or sale to a trust
    • Assumptions entered or taken from the firm's approved defaults
    • Projected values, remainder interests and transfer tax effects calculated
    • Sensitivity runs across growth and rate assumptions
    • Scenario saved with its assumptions and version

  3. Compare and review

    Scenarios are compared with the current plan, and the illustration is reviewed by the family's attorney or tax adviser and, where your policies require it, by compliance before it is shared.

    • Scenarios placed side by side against the current plan
    • Attorney or tax adviser comments recorded on the scenario
    • Compliance reviews the illustration and required disclosures
    • Approved illustration released to the family view

  4. Share and maintain

    The family sees an approved, plain-language view of their plan. When the plan changes, the map is updated from the new documents and every earlier version is kept.

    • Family members see the approved diagrams and summaries their access allows
    • Events such as a GRAT annuity payment or trust termination tracked
    • Changes recorded from new or amended documents
    • Earlier versions of the map and scenarios kept for reference

Roles and permissions

Who does what in the product

Each role below is a starting point. During implementation we set them up to match your teams, and every action anyone takes is recorded in the audit trail.

Planner

Wealth planner, estate planning specialist, family office director, relationship manager

Maintains each family's structure and prepares the scenarios the family and its advisers discuss.

Sees

  • Structures, scenarios and documents for the families assigned to them
  • Account values from linked custodial data
  • Review comments from tax analysts, compliance and outside advisers
  • Upcoming plan events

Does

  • Builds and updates the family's structure diagram
  • Attaches source documents to trusts and entities
  • Models strategies and saves scenarios with their assumptions
  • Runs comparisons and sensitivity analysis
  • Sends illustrations for review
  • Invites outside advisers and family members, subject to approval

Cannot

  • Release an illustration to the family without the review your policies require
  • Change firm default assumptions
  • See families not assigned to them
Approvals
Illustrations they prepare are reviewed by compliance where your policies require it; invitations to family members and outside advisers are approved by an administrator.
Notified about
Review comments, approvals and returns, plan events coming due, and documents added by outside advisers.

Tax analyst

Wealth tax specialist, trust tax officer, family office tax manager

Checks that scenarios use sound assumptions and that calculations follow the firm's methods.

Sees

  • Scenarios and assumptions for families they support
  • Firm default assumptions and rate tables
  • Calculation detail behind each projection

Does

  • Reviews scenario assumptions and calculations
  • Comments on or returns scenarios
  • Maintains firm default assumptions and the Section 7520 rate table
  • Documents the firm's calculation methods

Cannot

  • Release illustrations to families
  • Apply a change to firm defaults without a second approver
  • Review a scenario they prepared
Approvals
Changes to firm defaults are approved by a second tax analyst or the person your firm designates.
Notified about
Scenarios sent for tax review and new rate tables to load.

Compliance reviewer

Compliance officer, advertising and communications reviewer, supervisory principal

Makes sure illustrations shared with families are fair, carry the required disclosures and are kept.

Sees

  • Illustrations waiting for review with their assumptions
  • Disclosure templates
  • Every released illustration and who received it

Does

  • Approves or returns illustrations
  • Maintains disclosure templates
  • Samples released illustrations for review
  • Exports records for regulatory examinations

Cannot

  • Edit a scenario's figures or assumptions
  • Approve an illustration they prepared
Approvals
Their approval releases an illustration to the family view.
Notified about
Illustrations waiting for review and illustrations released without a required review, if your settings allow that path.

Outside attorney or tax adviser

Estate planning attorney, CPA, outside tax counsel

Brings their legal and tax judgment to the family's plan, working on the same picture as the firm.

Sees

  • Structures, scenarios and documents for the families they are invited to
  • Comments from the planner and other advisers

Does

  • Comments on the structure and scenarios
  • Uploads instruments and memos
  • Flags terms that the map records incorrectly
  • Marks a scenario as reviewed from their side

Cannot

  • Change the structure or scenarios directly
  • See other families or firm settings
  • Release illustrations to the family
Approvals
Their access is approved by an administrator for each family and ends when removed.
Notified about
Scenarios shared with them for review and replies to their comments.

Family member

Client, grantor, beneficiary, family council member

Understands their own plan through approved, plain-language views.

Sees

  • Approved diagrams and illustrations their access allows
  • Documents the planner has shared with them
  • Upcoming events they are involved in

Does

  • Views and downloads approved materials
  • Asks questions of the planner
  • Acknowledges notices and events where requested

Cannot

  • See drafts, unreleased scenarios or internal comments
  • See information about other family members beyond what the grantor or planner permits
  • Change anything in the plan
Approvals
What each family member can see is set by the planner with the family's instruction and approved by an administrator.
Notified about
New materials released to them and events that need their action.

Administrator

Wealth platform administrator, family office operations manager

Manages users, access and firm settings without changing family plans.

Sees

  • Users, roles and family assignments
  • Integration settings
  • The record of permission changes

Does

  • Adds and removes staff or maps them from single sign-on groups
  • Approves invitations for outside advisers and family members
  • Assigns planners to families
  • Runs access review reports

Cannot

  • Edit structures, scenarios or illustrations
  • Grant themselves access to a family's plan without approval
Approvals
Access to family data for administrators themselves is approved by compliance.
Notified about
Invitations waiting for approval, access reviews coming due and unused external accounts.

Permissions at a glance

ActionPlannerTax analystComplianceAdviserFamily memberAdmin
Edit the family structureOwn work onlyView onlyView onlyView onlyNo accessNo access
Attach documentsOwn work onlyView onlyView onlyOwn work onlyView onlyNo access
Model scenariosOwn work onlyView onlyView onlyView onlyNo accessNo access
Comment on scenariosOwn work onlyFullFullOwn work onlyNo accessNo access
Change firm default assumptionsNo accessApprovesView onlyNo accessNo accessNo access
Approve an illustrationNo accessNo accessApprovesNo accessNo accessNo access
View approved illustrationsOwn work onlyView onlyView onlyOwn work onlyOwn work onlyNo access
Maintain disclosure templatesNo accessNo accessFullNo accessNo accessNo access
Invite family members or advisersOwn work onlyNo accessView onlyNo accessNo accessApproves
View audit trailNo accessNo accessView onlyNo accessNo accessView only
Manage users and rolesNo accessNo accessApprovesNo accessNo accessFull
  • Full
  • Own work only
  • Approves
  • View only
  • No access

How access is controlled

  • Nobody approves an illustration or a change to firm defaults that they prepared themselves.
  • Access is limited family by family: planners and outside advisers see only the families they are assigned or invited to, and each family member sees only what the plan's owners permit.
  • Every permission change and invitation is recorded in the audit trail, and access review reports support periodic certification.
  • Firm staff sign in through your identity provider; outside advisers and family members sign in with multi-factor authentication.

Features

What it does

Structure diagrams

Interactive diagrams of individuals, trusts, entities and accounts, with ownership and beneficial interests on each link.

Flow at death

Shows where each asset goes on the death of each family member, following the dispositive terms recorded for each instrument.

GRAT modeling

Annuity schedules, remainder values and the effect of different growth outcomes for grantor retained annuity trusts, including rolling GRAT series.

CLAT modeling

Charitable annuity payments, the charitable deduction and the projected remainder for charitable lead annuity trusts.

Visible assumptions

Every projection lists the growth, yield, Section 7520 rate, exemption amounts and timing it uses, entered by the planner or taken from firm defaults.

Scenario comparison

Current plan and alternative strategies side by side, with differences in projected transfer taxes and amounts reaching each beneficiary.

Sensitivity analysis

Runs a scenario across ranges of growth and interest rate assumptions so the family sees the spread of outcomes, not one number.

Document linking

Trust instruments, entity agreements and attorney memos attached to the node they describe.

Event tracking

Annuity payment dates, trust terminations, Crummey notices and other plan events listed with their owner.

Illustration review

Client-facing illustrations go through review and approval, with the required disclosures attached, before they are released.

Family view

A plain-language, read-only view of the approved plan for family members, limited to what each is permitted to see.

Version history

Every version of the structure and every released illustration kept, so the firm can show what was presented and when.

Integrations

How it connects to your systems

Connects toHowWhat flows
Custodial and portfolio dataAccount holdings and values from your custodians or portfolio accounting system, linked to the trusts and entities that own them.In: account ownership, holdings and values on your schedule.
CRMHousehold and relationship data from your CRM, so families and team assignments do not have to be entered twice.In: households, contacts and relationship teams.
Document managementTrust instruments and entity documents linked from your document management system rather than copied.In: document links and metadata.
Section 7520 ratesMonthly Section 7520 rates published by the IRS loaded into the rate table by your tax analyst.In: published rates, with the load recorded.
Single sign-onFirm staff sign in through your identity provider (SAML or OpenID Connect).In: user identity and group membership for role assignment.
Work APIStructure and scenario summaries available to your reporting tools through the Moraph Work API.Out: families, entities, scenarios and review status.

Each integration is confirmed in discovery and specified in the design. See how an engagement progresses.

Security and privacy

How your data is protected

Single sign-on

Firm staff sign in through your identity provider, so your password and multi-factor policies apply.

Family-level access

Each person's access is limited to the families and materials they are assigned or invited to.

Encryption and keys

Client data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.

Complete audit trail

Every view, change, release and export is logged with the person and time, and cannot be edited.

Data residency

Data stays in the hosting region you choose: the United States, the United Kingdom or Australia.

Tested releases

Every release passes security testing gates before it ships, and a software bill of materials is maintained for the product.

Company-wide controls, independent audits (SOC 2 Type II and ISO/IEC 27001) and data residency are described in our Trust Center, where you can request the evidence pack.

Reporting

What you can report on

10 standard reports, grouped by who uses them. Each shows who it is for, how it can be broken down, how it is delivered and what it is used for. The data behind them is also available to your own reporting tools.

Planning

Family structure summary

For planners and outside advisers

Every individual, trust and entity in the family's structure with ownership, trustees, beneficiaries and current values.

Break down by
Entity type, Generation, Trustee, As-of date
Delivered as
Live view; PDF export
Used for
Briefing the family's advisers on the current structure.

Scenario comparison

For planners, families and their advisers

The current plan and selected scenarios side by side, with projected transfer taxes and amounts reaching each beneficiary, and the assumptions used.

Break down by
Scenario, Beneficiary, Generation, Assumption set
Delivered as
Live view; PDF once approved
Used for
Discussing alternative strategies with the family.

Sensitivity results

For planners and tax analysts

Outcomes of a scenario across ranges of growth and interest rate assumptions.

Break down by
Scenario, Growth rate, Section 7520 rate
Delivered as
Live view; CSV export
Used for
Showing the range of outcomes rather than a single projection.

Plan maintenance

Upcoming plan events

For planners and family office operations

Annuity payments, trust terminations, notices and other dated events across families, with owners.

Break down by
Family, Event type, Owner, Due date
Delivered as
Live dashboard; scheduled email
Used for
Making sure plan events are handled when the instruments call for them.

GRAT status

For planners and tax analysts

Each GRAT with its term, annuity schedule, payments made and projected remainder at current values.

Break down by
Family, Grantor, Maturity year
Delivered as
Live view; CSV export
Used for
Tracking GRAT performance and planning rollovers.

Stale structures

For planning leads

Families whose structure has not been reviewed within the period your policy sets, or whose linked values no longer match.

Break down by
Planner, Last review, Issue type
Delivered as
Live dashboard
Used for
Keeping family maps current.

Compliance

Illustration review log

For compliance reviewers

Illustrations submitted, approved, returned and released, with reviewer, disclosures and recipients.

Break down by
Reviewer, Planner, Status, Period
Delivered as
Live dashboard; CSV and PDF export
Used for
Supervising client-facing materials and answering examination requests.

Released materials archive

For compliance and auditors

Exact copies of every illustration released to a family, with the assumptions and disclosures as presented.

Break down by
Family, Release date, Planner
Delivered as
On request in the product; PDF export
Used for
Showing what was presented to a client and when.

Firm default changes

For compliance and tax leadership

Every change to default assumptions and rate tables, who made and approved it, and when it took effect.

Break down by
Assumption, Change date, Approver
Delivered as
Live view; CSV export
Used for
Evidencing that modeling assumptions are controlled.

Access

External access review

For administrators and compliance

Every outside adviser and family member with access, the families and materials they can see, and their last sign-in.

Break down by
Family, User type, Last sign-in
Delivered as
Live view; CSV export
Used for
Removing access that is no longer needed.

Exports, access and evidence

  • Reports can be exported to CSV, and summary and evidence reports to PDF. Client-facing PDFs are available only for approved illustrations.
  • Filters can be saved, so a planner or compliance reviewer can keep their own views.
  • Structure and scenario summaries are available through the Moraph Work API for your own reporting tools.
  • Reports respect each viewer's access: planners see their families, compliance sees all illustrations, and family members never see internal reports.
  • Released illustrations are kept exactly as presented. Running and exporting a report is recorded in the audit trail.

Deployment

Where and how it runs

Moraph cloud

Hosted and operated by Moraph in the United States region. United Kingdom and Australia regions are available for firms outside the US.

Dedicated environment

A single-tenant environment for firms or family offices whose policies require isolation, scoped in the proposal.

Branded family view

The family view can carry your firm's name and domain.

Security controls, independent audits and data residency are set out in our Trust Center. Engagement models and what drives a quotation are on Working with Moraph.

Implementation

What a rollout involves

The general phases are on Working with Moraph. For this product, they involve the following.

Data connections

We connect custodial, portfolio and CRM data and agree the schedule. We need a contact for each source system.

Firm defaults

Default assumptions, rate tables and calculation methods are set with your tax team and documented.

Disclosures and review

Disclosure templates and the illustration review path are configured with your compliance team.

Pilot families

Planners map a small number of families selected by you, using fictional or consented data, and test the views with their outside advisers.

Access and roles

Roles, family assignments and the rules for external access are set to match your policies.

Training and rollout

Planners, tax analysts and compliance reviewers are trained on their own steps before families are added more widely.

Limitations

What it does not do

Worth knowing before you evaluate it.

  • The product does not give legal, tax or investment advice. Strategies are modeled for discussion; the family's attorneys and tax advisers decide what is appropriate.
  • Projections depend on the assumptions entered and are illustrations, not predictions or guarantees of future values or tax outcomes.
  • It does not draft trust instruments or other legal documents; it records the terms your team summarizes from them.
  • Tax calculations cover US federal estate, gift and generation-skipping transfer taxes. State estate and inheritance taxes and taxes in other countries are not modeled.
  • Exemption amounts and rates are entered by your team or loaded from published tables; your tax analyst confirms them.
  • It does not prepare or file gift or estate tax returns.
  • Values are only as current as the custodial and portfolio data you connect; assets held elsewhere must be entered manually.
  • It is not a trust accounting system and does not process trust distributions or payments.

Evaluation checklist

What to test in a demonstration or pilot

Questions worth putting to us, and to any other vendor you are considering.

  1. Map a fictional family with several trusts and entities and check the diagram is readable
  2. Model a GRAT and a CLAT and ask your tax team to check the calculations
  3. Confirm every projection shows the assumptions behind it
  4. Run an illustration through review and confirm it cannot be released without approval
  5. Check what an outside attorney and a family member can each see
  6. Review the archive of released illustrations your compliance team would rely on

Questions

Frequently asked questions

Does the product give tax or legal advice?

No. It maps the plan and models strategies with visible assumptions. The family's attorneys and tax advisers decide what is appropriate.

Can outside attorneys and CPAs use it?

Yes. They can be invited to the families they advise, where they can comment and upload documents but not change the plan.

Which strategies can be modeled?

Grantor retained annuity trusts, charitable lead annuity trusts, outright gifts and sales to grantor trusts, compared with the current plan. Additional strategies can be scoped during implementation.

Who owns the data?

Your firm and its clients do. How it is returned and deleted at the end of the agreement is set out in the contract.

How is it priced?

As a subscription, usually measured by the number of planners and families, with implementation charged separately. See Working with Moraph for what drives a quotation.

Is there an accessibility conformance report?

Ask for one through the procurement request form at /how-to-buy/request, naming the version you are evaluating.

Next steps

Evaluate Wealth Transfer & Estate Visualization

Book a demonstration

See the product working with sample data, focused on your workflows.

Request a demonstration

Request a technical briefing

Architecture, integrations, security and hosting, with our engineers and your technical team.

Request a briefing

Factsheet

This page on two sides, to share with colleagues or add to your evaluation file.

Open the factsheet

Buying through a formal procurement? See How to buy for purchasing routes, accessibility conformance reports and company information. Documentation: Wealth Transfer & Estate Visualization guides on docs.moraph.com (getting started and security guides are public; setup, administration and integration guides are for client accounts). Support: Wealth Transfer & Estate Visualization support guide.

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