Wealth Transfer & Estate Visualization

Principal workflows

• 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.
• 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.
• 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.
• 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.

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

Reporting

• Family structure summaries with current values
• Scenario comparisons with their assumptions
• Upcoming plan events across families
• GRAT status and projected remainders
• Illustration review and release log
• External access review

Features

• 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

• Custodial and portfolio data: Account holdings and values from your custodians or portfolio accounting system, linked to the trusts and entities that own them.
• CRM: Household and relationship data from your CRM, so families and team assignments do not have to be entered twice.
• Document management: Trust instruments and entity documents linked from your document management system rather than copied.
• Section 7520 rates: Monthly Section 7520 rates published by the IRS loaded into the rate table by your tax analyst.
• Single sign-on: Firm staff sign in through your identity provider (SAML or OpenID Connect).
• Work API: Structure and scenario summaries available to your reporting tools through the Moraph Work API.

Deployment

• 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 and privacy

• 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.

Limitations

• 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.

Next steps

Book a demonstration or a technical briefing at www.moraph.com/solutions/wealth-transfer-and-estate-visualization. Purchasing routes and company information: www.moraph.com/how-to-buy.