Wealth Transfer & Estate Visualization

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 When a GRAT matures, an asset is sold or a beneficiary changes, the diagram is out of date.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.

Who it’s for

• 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

1. MapThe planner builds the family's structure: individuals, trusts, entities and accounts, with ownership percentages, trustees, beneficiaries and the key terms of each instrument.
2. ModelStrategies 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.
3. Compare and reviewScenarios 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.
4. Share and maintainThe 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.

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.

Planner

Builds the family's structure, models strategies and prepares illustrations

Tax analyst

Reviews assumptions and calculations and maintains firm defaults

Compliance reviewer

Approves client-facing illustrations and their disclosures

Outside attorney or tax adviser

Reviews and comments on the structure and scenarios for families they advise

Family member

Views the approved plan and documents their access allows

Administrator

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

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.

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.

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.

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.

• 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.

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