White Papers
AI, Estate, and Tax Planning in 2030: The Convergence Era Begins
AI, Estate, and Tax Planning in 2030: The Convergence Era Begins is Wealth.com’s forward-looking report for wealth management executives preparing their firms for a shift already underway: by 2030, three converging forces will pull estate and tax planning from the periphery of the client relationship to its center.
Inside, you’ll find a glimpse of how the planning landscape is likely to evolve through 2030, six themes that will define how planning is delivered and experienced, and five imperatives for the executives who will lead their firms through the transition.
Inside the guide:
- The wealth transfer hits its steepest grade: Why $124 trillion in motion through 2048 is front-loaded into the next decade, with $54 trillion passing between spouses first, and what that means for firms that haven’t brought the surviving spouse or heir into the relationship before the transfer occurs.
- The planning gap becomes the industry’s largest unserved market: Why only 24 percent of American adults now have a will, down from 33 percent in 2022, and how technology-enabled planning turns a “distribution failure” into the largest organic-growth opportunity in wealth management.
- A settled tax code shifts the center of planning gravity: How a permanent $15 million exemption moves the work from exemption-chasing to income tax orchestration, basis management, Roth conversion timing, and state-level exposure, ahead of the SALT cap’s scheduled reversion in 2030.
- AI matures from assistance to supervised agency: How planning AI is expected to progress from document extraction and scenario modeling to continuous monitoring and drafting under documented human approval, and why governance and explainability, not capability, become the binding constraint.
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