Tag: Practice Growth

Tax Planning for Financial Advisors: How to Market Your Services for Growth

First, the good news: Almost half of all advisory firms now offer tax planning services.

The bad news: Most firms still struggle to articulate the value of those services in a way that’s compelling to clients and attractive to prospects.

The problem isn’t in the services themselves. Both financial advisors and their clients see value in proactive tax planning as part of a comprehensive client experience. The problem is the way firms deliver their message.

This article will give you a practical communication framework so you can effectively market your tax planning services and use tax as a growth lever in your business.

 

Demand for Tax Planning is Clear, but Messaging Isn’t

According to Cerulli, there’s no question about client demand for tax planning from their advisory team. While roughly 47% of advisors offer tax planning, almost 70% of affluent investors want their advisor to offer services that help reduce their tax bill.

It’s no wonder: For a high-net-worth client, taxes are often their single largest ongoing expense. This opportunity is growing  and it extends across every generation of clients you serve. 

The current gap, however, is that most firms don’t have a clear advisor value proposition tied to tax planning. Firms have had years of practice to explain why their investment process is unique and how financial planning contributes to their client experience, but tax planning has still occupied a space on the sideline.

And when a business doesn’t have a consistent way to talk about a service, what do they do? They wing it. And when that happens, they not only miss out on opportunities to attract and convert new business, but they also put themselves in line for compliance risk.

 

How to Compliantly Market Tax Planning Services

As with marketing other services you offer, like investment management, the best way to market tax planning services is to focus on strategy, not performance.

There’s a line every firm needs to walk between creating client education on tax planning and publishing content that could be taken as prescriptive advice. It’s critical for firms to draw that line clearly. 

Here are three practical ways you can market tax planning effectively, without conflicting with compliance guardrails:

  1. Know your firm’s specific policies before publishing any tax-related content. In December 2025 the SEC published a Risk Alert that made it clear marketing compliance is an examination priority. While all firms operate under the same rule set, different compliance officers have different comfort levels and interpretations. Start here.
  2. Defer specific tax determinations to a qualified tax professional. This doesn’t mean you can’t leverage case studies or testimonials. It does mean, however, that you should cite disclosures appropriately and use this as an opportunity to prompt prospects to meet with you for their personalized analysis. And when that comes, whether it’s a CPA on your team or an accounting firm you work with, put the right person in the room. 
  3. Lead with strategy, not promises about outcomes. This mindset should be ingrained in every advisor by now, but it still bears repeating. It’s as simple as saying “We help you understand what’s happening with taxes” instead of making a claim like “We’ll reduce your tax bill.”

With the compliance framework in place, you can move on to building a compelling message.

 

How to Create a Value-Based Message for Tax Planning

If you want your firm to win business with tax planning, you have to create a message that is proactive and consistent. Describing tax planning reactively or only when clients ask for it won’t contribute to your growth.

Great messaging comes down to speaking with specificity about what you do, who you serve, and how they benefit from your services.

Here’s how that framework translates to a strong tax planning value message.

  • What you do: Name the specific services you offer and discuss the benefits that clients get from what you do. You may nod to tax-loss harvesting, Roth conversion analysis, distribution sequencing, and even the integration of estate plan coordination with tax analysis. Whatever you describe, be specific and write in plain language that your least financially savvy client would immediately understand.
  • Why it matters: Translate your services into compliant client outcomes. This is the most important piece of winning messaging. If you stop at describing what you do and not why it matters, you won’t move prospective clients to take action.
  • When you do it: Most clients think of taxes as a once-a-year event. The reality is that tax planning is a year-round process. It influences day-to-day decisions and is influenced by those daily activities. Framing your tax services as a consistent, constant part of your value can differentiate your firm from advisors who approach it as a one-time event.

The three-part framework described above can help you create a communication strategy around your tax planning services that connects with real client needs.

 

Make Tax Planning Scalable with Client Education

A tax message only creates value if it reaches clients consistently. By creating content that puts your firm in front of prospects and clients more often, you increase your chances of strong organic growth.

The following lightweight framework can’t replace a comprehensive marketing strategy for your firm, but it does give you a guide for how to turn tax content into repeatable client touchpoints.

Here are several scalable content formats you can leverage:

  • Quarterly tax updates tied to real events: Send a brief, timely communication connected to real events such as a provision from the OBBBA or a deadline your clients need to know is coming. The key word is brief. This is a targeted communication that shows you are watching the tax landscape on your clients’ behalf and that proactive planning is how you work.
  • Use your client portal as a communication channel: Most advisors underutilize the most direct line they have to clients. A secure client portal gives you the ability to push timely, relevant information to all clients simultaneously. Use it to share tax planning summaries after key meetings, flag emerging opportunities between reviews, or deliver a brief year-end planning checklist.
  • Tax content on your blog to build credibility. A well-maintained blog is one of the most efficient client education tools available to advisors. A short, well-written post on Roth conversion timing, tax-efficient withdrawal sequencing, or what major legislative changes like the OBBBA mean for a specific client profile does two things simultaneously: it reinforces your expertise with existing clients and creates a searchable, shareable record of your thinking for prospective clients doing their research. You can also supplement your blog by sharing expert-led discussions from resources like The Practical Planner Podcast, which covers advanced tax and estate strategies in plain English.

 

Quick Start Guide

  • Audit Your Collateral: Review your website and pitch decks. Replace any “we’ll reduce your tax bill” promises with “we’ll help you understand and optimize your tax strategy” to stay compliant.
  • Create a “Tax Alpha” One-Pager: Develop a simple PDF that lists the specific tax strategies you offer (e.g., Roth conversions, tax-loss harvesting, OBBBA-driven changes) and the “Why it Matters” for each.
  • Segment Your Outreach: Don’t send the same tax update to everyone. Create different versions of your blog or email updates for Retirees (focus on RMDs) versus Business Owners (focus on liquidity and entity planning).
  • Schedule a “CPA Sync”: Proactively reach out to your clients’ tax professionals. Aligning on strategy early in the year prevents “surprises” in April and reinforces your role as the lead strategist.
  • Automate Data Collection: Stop “chasing” tax returns. Use a tool to securely ingest Form 1040s or W-2s so you can spend your time on strategy rather than data entry.

 

The Wealth.com Tax Planning Experience

The missing link in tax marketing is often the delivery. While you can talk about a year-round process, Wealth.com provides the technology to actually show it.

  • Look Back, Look Forward: Wealth.com doesn’t just summarize past returns; it generates Baseline Reports that recalculate historical data against future tax rates, helping you model “what-if” scenarios instantly.
  • The “Ester” Advantage: Use Wealth.com’s AI legal assistant, Ester, to extract and visualize data from complex documents, turning a PDF into an actionable client conversation in minutes.
  • Integrated Workflow: Connect your tax strategies directly to your client’s estate plan to show the “Roth Ripple Effect”—the compounding benefit of tax-free growth for future generations.

The advisors who do this well are not creating more work for themselves. They are turning their tax planning expertise into a structured and repeatable communication system  that drives measurable growth over time.

That systematic approach to work is exactly what your technology should support. Wealth.com gives you a platform to connect estate and tax planning conversations to the broader client relationship, so the touchpoints described in this article become part of an integrated workflow, not a separate effort layered on top of an already full practice.

To learn how Wealth.com integrates estate and tax planning into a unified experience, visit wealth.com/tax.

From Fragmented to Fully Integrated Planning with Premier Planning Group

 

Mike Weckenbrock, a financial planner and attorney, shares how Wealth.com transformed his practice by bringing estate planning in-house. By replacing a slow, expensive, and fragmented traditional model, Wealth.com enables him to deliver a seamless, client-friendly experience while maintaining legal integrity with attorney-built, state-specific documents. The platform simplifies workflows, removes client friction, and allows advisors to offer truly holistic planning. For Mike, it has become one of the most impactful tools in his practice, helping him elevate his value and better serve clients.

How One Relationship Manager Is Streamlining Estate Planning for Clients With Wealth.com

 

Camryn Brown, Relationship Manager at Symphony Wealth Group, shares how Wealth.com has simplified the estate planning process for both advisors and clients.

Before Wealth.com, the firm referred clients to local attorneys, which often led to a slow and expensive process that discouraged many from moving forward. Since onboarding Wealth.com just a few months ago, the team has already introduced the platform to more than 80 clients.

Camryn plays a hands-on role in guiding clients through the final steps of the process, preparing documents and facilitating signings as the firm’s in-office notary. With Wealth.com, the process is simple and efficient. Clients can complete most of the work from home and often finalize their estate plans in about 30 minutes.

The feedback, she says, has been overwhelmingly positive. Clients are often surprised by how easy the process is.

Symphony Wealth Group Expands Estate Planning Access and Drives Revenue with Wealth.com

 

In this testimonial, Ross Viergever of Symphony Wealth Group shares how Wealth.com transformed the way his firm delivers estate planning to clients.

Ross reflects on what first drew him to financial planning: the ability to make a meaningful impact not just for one client, but for families across multiple generations. At Symphony Wealth Group, many clients fit the profile of the “millionaire next door,” living modestly while prioritizing the protection of their family’s legacy.

Before Wealth.com, referring clients to outside estate planners often created friction. High fees, unfamiliar relationships, and a complicated process meant many clients hesitated to move forward with estate planning.

With Wealth.com, those barriers disappeared. Clients can now complete their estate plans from the comfort of home at a significantly lower cost and with far less complexity. Ross says the most common response he hears from clients is simple: “That was a lot easier than I thought.”

Since launching Wealth.com just six months ago, Symphony Wealth Group has already onboarded 60–70 clients and generated more than $50,000 in additional revenue. More importantly, Ross says, families now have the peace of mind of knowing their legacy plans are in place.

His advice to other advisors considering Wealth.com? Sign up. You won’t regret it.

Bridging Tax and Estate Planning in Your Practice: The Operational Blueprint for Firmwide Integration

One of the more complicated aspects of financial planning is its sheer scope. In order to do your best work, you need comprehensive insight into a client’s full financial picture. But too often, that insight can be lacking and work gets disconnected as you move between taxes, wealth planning, estate, and even day-to-day money issues.

One way that problem is illustrated clearly is through the connection between tax and estate planning.

In practice, these two areas should be completely interconnected. But operationally, they often live in different systems, are governed by different workflows, and built through separate conversations. That separation can limit the depth and efficiency of advice.

If your goal is integrated tax and estate planning, the shift to getting there requires structural change. It requires rethinking systems, data flow, and collaboration across your firm. Wealth.com supports this evolution through a unified planning platform designed to align tax and estate planning workflows inside a single platform.

In this article, we’re spotlighting the case for a unified approach to tax and estate planning, and what you can do to implement it.

 

4 Reasons Why You Need Unified Tax and Estate Planning

You already understand that tax and estate decisions are deeply interconnected. The problem is not awareness. It is execution. When these disciplines live in separate systems, unnecessary risk, inefficiency, and missed planning opportunities follow.

The solution is not more meetings or more spreadsheets. It is operational integration through a unified platform. Here are four reasons why it matters.

1. Manual Work Creates Avoidable Risk

Financial advisors know the friction well. Re-keying tax return data into planning tools consumes time, introduces discrepancies, and limits scalability. Even small inconsistencies can ripple into projections, documents, and compliance reviews.

A unified planning platform eliminates redundant data entry. Shared information across tax projections and estate documents creates a single source of truth. Accuracy improves. Compliance strengthens. Teams spend less time auditing manual inputs and more time delivering strategic advice.

2. Discovering Held-Away Assets Requires Clean Data

Estate planning is only as strong as the data informing it. Client questionnaires rely on recall, and recall is incomplete. Dormant accounts, legacy assets, and overlooked relationships frequently remain undisclosed.

Tax returns introduce objectivity. Income reporting requirements create a built-in audit trail. If an asset produces taxable activity, it appears. That makes tax data one of the most dependable tools for identifying held-away assets and strengthening planning accuracy.

If an asset generates income, it appears on a return. 1099s, K-1s, and Schedule B disclosures often reveal accounts that were never discussed in planning conversations. That makes tax data one of the most reliable sources for uncovering held-away assets.

When tax and estate workflows operate within a unified system, discrepancies surface naturally. Advisors gain clearer visibility into undisclosed or overlooked accounts, strengthening both planning accuracy and client trust.

3. A Unified Approach Powers Forward-Looking Strategy

Tax modeling and estate structuring are often discussed together but executed in isolation. When that operational gap exists, strategic momentum slows. Iteration becomes reactive instead of continuous.

The stronger approach is to model forward-looking tax strategies alongside their estate implications in real time. A change in filing status, the birth of a child, a liquidity event, a relocation, or a shift in income profile should not require separate workflows. These moments should automatically prompt coordinated tax projections and estate plan updates.

When tax and estate planning operate independently, follow-up depends on memory and manual process. In an integrated environment, system design creates built-in triggers. Planning becomes proactive, not episodic.

4. Clients Experience a Holistic Planning Narrative

Clients do not compartmentalize their financial lives. They think in terms of family priorities, long-term goals, and life transitions. Tax, wealth, and estate considerations are intertwined in their minds.

Cross-disciplinary planning allows you to deliver advice in that same integrated way. Tax strategies are framed within estate objectives. Estate structures are evaluated through the lens of tax efficiency. Every recommendation connects back to a unified strategy.

That continuity strengthens clarity and trust. It positions you not as a coordinator of specialists, but as the central advisor who understands how each decision affects the whole.

 

How to Operationalize Unified Tax and Estate Planning

Tax and estate planning are stronger together. The real challenge is moving from agreement to execution. Operational integration requires deliberate technology and capability decisions.

1. Choose a Platform Designed for Integration

Many advisory firms still rely on separate systems for tax projections and estate documentation. Each tool may function well on its own, but disconnected systems create friction, duplication, and blind spots.

An integrated platform should establish a single source of client truth across tax and estate workflows. Data should not be re-entered. Updates in one area should inform the other automatically. Automation should reduce manual reconciliation and allow concurrent plan updates.

Technology alone does not create alignment. Architecture does. If your systems are fragmented, your planning process will be as well.

2. Elevate Tax Expertise Through Advanced Planning Tools

Integration is not just about connecting workflows. It is about equipping advisors to think more deeply and act more strategically.

As tax planning grows more sophisticated, from legislative changes to Roth conversion sequencing to charitable structures and business exit modeling, estate coordination becomes increasingly complex. Without the right tools, even the most skilled advisors have bandwidth limitations.

An advanced planning platform should bring institutional-grade tax capabilities directly into the advisor’s workflow. Scenario modeling, multi-year projections, real-time impact analysis, and automated estate coordination allow advisors to move beyond static calculations. Instead of simply identifying a tax savings opportunity, they can demonstrate how a strategy compounds over time and shapes a client’s long-term legacy.

When technology embeds tax depth into everyday planning, advisors gain confidence, clients gain clarity, and unified planning becomes actionable rather than aspirational.

3. Choose a Partner Backed by Dedicated Legal Expertise

Estate and tax planning operate within a constantly evolving regulatory landscape. Federal legislation shifts. State-level estate, trust, and tax laws change. Court rulings reshape interpretation. Advisors need confidence that the structures and strategies they implement reflect current law, not outdated assumptions.

The right partner should have dedicated in-house legal expertise actively monitoring regulatory developments at both the state and federal levels. These subject matter experts should not sit outside the platform. They should inform the technology itself, shaping document logic, modeling assumptions, and compliance safeguards.

When tax modeling identifies complexity or opportunity, estate documents should evolve accordingly. When trust structures or gifting strategies are introduced, tax consequences should be evaluated within a legally informed framework.

Integrated planning is strongest when the technology is continuously guided by practicing legal expertise. That foundation allows advisors to deliver sophisticated strategies with clarity and confidence.

 

Integrated Tax and Estate Planning is A Strategic Shift

Integrated tax and estate planning requires integration at the systems level, and it also requires strong leadership to bring the people in your firm together in a unified mission. The starting point is to treat tax and estate planning as interconnected components of a single strategy.

As estate complexity increases and your clients expect deeper coordination from their financial professionals, fragmented workflows will increasingly become a barrier to growth.

The firms and advisors who operationalize a unified approach to tax and estate planning can be at the forefront of growing future-ready businesses built on precise planning and consistent client experiences. To learn how Wealth.com integrates estate and tax planning into a unified experience, visit wealth.com/tax. 

Tax Planning for Next-Gen Clients: A Guide for Financial Advisors

Tax planning for next-generation clients is no longer a future concern. It is a present-day requirement for advisory firms that want to retain assets, deepen relationships, and stay relevant as wealth, control, and complexity shift to younger households.

Gen X, Millennials, and young business owners approach taxes differently than prior generations. Their balance sheets are more dynamic. Their income is less predictable. Their expectations for advice are higher, and their tolerance for fragmented planning is low. For advisors, this creates both risk and opportunity.

The firms that win with next-gen clients treat tax planning as an integrated discipline, not a seasonal exercise. They align tax strategy with estate planning, business planning, and long-term wealth transfer, and they deliver that advice through consistent, repeatable workflows.

 

Why next-gen tax planning looks different

Younger clients face a tax environment that is more volatile and more visible. Marginal rates shift. Estate tax exemptions remain politically uncertain. Business structures evolve as companies grow, sell, or recapitalize. At the same time, next-gen clients are more informed and more engaged in decision-making.

Several structural factors drive this shift:

  • Income concentration and variability. Equity compensation, business income, and liquidity events often create uneven tax years.
  • Earlier wealth transfer. Gifts, family support, and ownership transitions now happen earlier in life.
  • Complex household structures. Blended families, unmarried partners, and multigenerational dependents are common.
  • Higher scrutiny. Digital records, third-party reporting, and regulatory visibility leave less room for informal planning.

For advisors, tax planning must account for these realities without slowing down the broader advisory relationship.

 

Gen X clients: peak earnings and competing priorities

Gen X clients often sit at the intersection of peak earning years and peak responsibility. They may be funding retirement, supporting children, and helping aging parents, all while navigating business ownership or senior executive compensation.

Effective tax planning for this group focuses on coordination:

  • Deferred compensation and equity strategies aligned with retirement timing and liquidity needs.
  • Charitable planning that integrates donor-advised funds, appreciated assets, and long-term philanthropic intent.
  • Estate planning updates that reflect growing asset values and changing family dynamics.

The risk is not lack of sophistication. It is lack of integration. Advisors who connect tax decisions to the estate plan create clarity and reduce downstream rework.

 

Millennials: growing wealth, rising complexity

Millennial clients are often underestimated. Many are business founders, senior technology professionals, or beneficiaries of early family transfers. Their tax profiles can change quickly, sometimes within a single year.

Key planning considerations include:

  • Entity selection and restructuring as businesses scale.
  • Equity compensation planning around vesting, exercise, and liquidity.
  • Early gifting strategies that leverage current exemptions while maintaining flexibility.
  • State tax exposure as remote work and mobility increase.

Millennials expect transparency and speed. They are less tolerant of disconnected advisors and more likely to disengage if advice feels reactive.

Advisors who pair tax planning with a clear estate planning framework demonstrate long-term thinking and earn trust early in the relationship.

 

Young business owners: tax planning is estate planning

For younger business owners, tax planning is not a once-a-year exercise. It is happening in real time as the business grows.

Equity is vesting. Investors are coming in. Compensation is shifting from salary to distributions. A potential acquisition conversation can surface overnight. Every structural decision carries both tax consequences and long-term estate implications. Ownership structure, equity, and transfer timing do not just shape tax outcomes. They shape control, liquidity, and family wealth.

Advisors should focus on:

  • Ensuring operating agreements, cap tables, and estate documents actually align. A mismatch can create chaos during a disability event, sudden exit, or founder dispute.
  • Modeling valuation-aware strategies before growth accelerates, not after. Gifting interests early, structuring buy-sell agreements properly, and planning for liquidity events can dramatically change long-term outcomes.
  • Designing succession frameworks that account for co-founders, key employees, and family expectations, not just tax efficiency.
  • Preparing contingency plans for the unexpected, including incapacity, founder separation, or an unsolicited acquisition offer.

For younger business owners, the cost of poor coordination is not theoretical. Missed elections, outdated documents, or unclear authority can mean lost negotiating leverage, unnecessary taxes, or operational disruption at the worst possible moment.

Integrated tax and estate planning protects both the business and the people building it.

 

The advisor challenge: complexity at scale

Most advisors understand these concepts. The challenge is delivering them consistently across a growing book of next-gen clients.

Tax planning touches multiple disciplines and stakeholders, including CPAs, attorneys, trust companies, and internal planning teams. Without a shared system of record, advice becomes fragmented, and risk increases.

Common pain points include:

  • Inconsistent estate plan reviews.
  • Limited visibility into document status and updates.
  • Manual workflows that do not scale.
  • Difficulty demonstrating value beyond tax season.

This is where modern estate planning infrastructure becomes essential.

 

Estate planning as the organizing layer

For next-gen clients, the estate plan is often the most durable framework for tax planning decisions. It captures ownership, intent, authority, and transfer mechanics in one place.

When estate planning is current and accessible:

  • Tax strategies align more easily with long-term goals.
  • Advisors can identify planning gaps earlier.
  • Collaboration with attorneys and compliance teams improves.
  • Firms reduce operational and regulatory risk. 

Treating the estate plan as a living component of the advisory relationship, rather than a static document set, allows tax planning to evolve alongside the client.

 

How Wealth.com supports next-gen tax planning

Wealth.com is the leading estate and tax planning platform for financial institutions. We help advisors integrate estate and tax planning into their broader planning workflows so tax strategy, wealth transfer, and client outcomes stay aligned.

Through a modern, advisor-first platform, Wealth.com enables firms to:

  • Deliver client-ready, side-by-side tax strategy comparisons with clear net impact quantification.
  • Model high-value scenarios like Roth conversions, RMD strategies, and charitable planning in real time.
  • Instantly analyze 1040s via PDF upload with automated data extraction.
  • Run rapid historical reviews to uncover missed planning opportunities.
  • Integrate tax strategy directly with estate planning workflows for holistic alignment.
  • Support complex client needs without adding operational burden.

For next-gen clients, this creates a better experience. For advisors, it creates scale, clarity, and confidence.

 

The strategic opportunity for advisory firms

Tax planning for Gen X, Millennials, and business owners is not about adding more tactics. It is about building the right foundation.

Firms that lead with integrated tax and estate planning will be positioned to:

  • Retain assets through generational transitions.
  • Deepen relationships with business-owning households.
  • Reduce operational and regulatory risk as complexity increases.
  • Demonstrate measurable value beyond portfolio performance.

Next-gen clients are not waiting. They are aligning with advisors who can deliver coordinated, forward-looking planning with clarity and confidence. The question is whether your firm has the infrastructure to compete.

Modern tax planning includes modern estate planning. Book a demo with Wealth.com to see how integrated planning can scale across your firm at www.wealth.com/demo.

The Top 5 Tax Changes Financial Advisors Need to Know in 2026

The 2026 landscape for financial advisors offers both complexity as well as opportunity as clients brace for sizable changes from years past. These changes create planning windows that require immediate attention, but they can also introduce tax traps for high-net-worth clients that advisors must navigate carefully.

From the sunsetting of many pieces of the Tax Cuts and Jobs Act of 2017 to adjustments brought on by the One Big Beautiful Bill Act (such as avoiding the dreaded estate tax “cliff”), tax planning opportunities are everywhere.

If your firm is managing clients across the wealth spectrum, the challenge is straightforward. Proactive tax planning is the only way to help clients avoid potentially higher than expected payments down the line.

Now, let’s look at the five most impactful changes for 2026 for estate and tax planning.

Top 5 Tax Changes in 2026 Advisors Need to Know

1. The $15 Million Estate Exemption Floor

The One Big Beautiful Bill Act replaced the feared estate tax “sunset cliff” with a permanent exemption floor of $15 million per individual, or $30 million for married couples, indexed for inflation. This resolves years of planning around a potential 50% drop to roughly $7 million exemption floor and materially changes how you can frame estate strategy discussions.

Instead of urgency-driven gifting, the planning objective shifts to growth management and asset freezing. High-net-worth clients no longer need to rush transfers simply to preserve exemption. They can focus on where future appreciation should live.

For many clients, this increases the relevance of structures such as Spousal Lifetime Access Trusts (SLATs) and Intentionally Defective Grantor Trusts (IDGTs). These strategies allow you to lock in today’s exemption while removing future growth from the taxable estate, without forcing irreversible liquidity decisions.

Advisory Impact: Shift client conversations from “crisis gifting” to growth-focused planning. For clients with estates approaching $15 to $30 million, consider the use of SLATs and IDGTs to freeze asset values at this high baseline while preserving flexibility.

2. Managing the “SALT Torpedo” ($500k–$600k MAGI)

The OBBBA increased the State and Local Tax deduction cap to $40,000 for the 2025 tax year (as adjusted for inflation, this is a cap of $40,400 for 2026 and will be adjusted 1% each year thereafter). On its face, that looks like relief. However, the provision includes a phaseout between $500,000 and $600,000 of Modified Adjusted Gross Income that creates a tax trap for impacted clients.

Within this $100,000 band, each additional dollar of income reduces the SALT deduction by 30 cents. When layered on top of federal and state marginal rates, this can push effective marginal tax rates north of 45 percent.

You should assume that clients hovering near this threshold will experience meaningful tax friction if their income timing is not coordinated. Capital gains realization, trust distributions, Roth conversions, and bonus income all matter more inside this narrow window than outside it. It is also worth nothing that the increased SALT cap will sunset, absent further congressional action, beginning in 2030, when it set to revert back to $10,000.

Advisory Impact: Use scenario modeling to time capital gains, trust distributions, and other income events outside the $500,000 to $600,000 MAGI band. For clients who cannot avoid this range, consider strategies to reduce MAGI such as increased 401(k) contributions or funding a Health Savings Account.

3. Permanence of the 20% QBI Deduction (Section 199A)

The OBBBA made the 20 percent Qualified Business Income deduction permanent, expanded the phase-in ranges to $150,000 for joint filers, and introduced a $400 minimum deduction for active business owners.

If you’re working with founders and closely held businesses, this change removes a major planning uncertainty. The effective top federal rate on qualifying pass-through income now stabilizes at just above 29 percent, which impacts business decisions like entity selection, compensation strategy, and exit planning.

More importantly, the permanence of this change creates a chance to do more long-term modeling. You can now evaluate S-corporation salary splits, aggregation strategies, and succession scenarios without assuming a rate shock a few years down the line.

Advisory Impact: Review entity structure and compensation strategies for pass-through clients. The permanent effective rate changes the calculus for business succession planning and Roth conversion timing. For closely held businesses planning exits, model QBI impact across multiple tax years.

4. Mandatory Roth Catch-Ups for High Earners

Beginning January 1, 2026, the SECURE 2.0 Act requires workers age 50 and older who earned more than $150,000 to make catch-up contributions on a Roth basis

This is not an optional decision; it is a plan design requirement. In 2026, the limit for catch-up contributions increases to $8,000.

If you recall, SECURE 2.0 was enacted back in 2022 but this part of the Act has been delayed until now.

Advisory Impact: This is a mandatory plan design change. It’s also important to note that if a client’s employer plan does not offer a Roth feature by 2026, high earners won’t have the ability to take advantage of these catch-up contributions. You should audit client 401(k) plans now to verify if this strategy is available to them.

5. The “Senior Deduction” Planning Window (2026–2028)

For tax years 2026 through 2028, taxpayers age 65 and older receive a new $6,000 deduction, or $12,000 for married couples, layered on top of existing standard or itemized deductions.

Unlike some of the other permanent changes we’ve covered, this provision is temporary.

For retirees with moderate income, the deduction creates a short-term opportunity to absorb additional taxable income without increasing marginal rates. In practice, this makes tax bracket management with Roth conversions more efficient during this three-year window.

The opportunity is most relevant for retirees who can keep Modified Adjusted Gross Income below $75,000 (single) or $150,000 (joint) while converting portions of traditional IRAs.

Advisory Impact: Identify clients age 65 and older with traditional IRA balances and MAGI below the thresholds. Model multi-year Roth conversion planning for 2026 through 2028 to maximize the benefit of the temporary senior deduction before it expires.

 

What These Tax Changes Mean for Your Advisory Firm

These 2026 tax changes reward proactive planning. Each of these five provisions covered here creates a window where strategic timing can deliver measurable client value, for both long-term and short-term tax strategies.

For you and your firm, this translates to an increased need for scenario modeling, income timing coordination, and multi-year tax projections. The firms that deliver this level of planning will have an incredible opportunity to strengthen client relationships and differentiate their practice.

To see how your firm can model these 2026 tax changes and turn them into measurable planning value, learn more about Wealth.com Tax Planning at wealth.com/tax.

 

 

 

 

 

Disclaimer: Wealth.com does not provide legal, tax, or investment advice. The choice of trust jurisdiction depends on your client’s specific family dynamics, asset mix, and goals.

EstateCon 2026: The Top 10 Product Announcements Shaping the Future of Planning

In front of a sold-out in-person audience, with more than 2,000 joining virtually, Wealth.com opened its annual product keynote with insights from Chief Product Officer Danny Lohrfink, SVP of Product Nicole McMullin, and CEO Rafael Loureiro.

As he noted in his opening remarks, we are in the middle of the largest wealth transfer in history, with $124 trillion changing hands. Yet the industry still relies on tools not designed for this moment. Fragmentation creates friction and missed outcomes, preventing planning from compounding and scaling.

To solve this, we unveiled new advisor updates, integrations, and Wealth.com Tax Planning. Here are the top 10 announcements from the EstateCon 2026 Product Keynote.

  1. Introducing Wealth.com Tax Planning

The headline of the event was the official launch of Wealth.com Tax Planning. Historically, tax and estate planning have lived in separate silos, but we know these decisions are inseparable. This new module unifies them, allowing advisors to model how tax strategies—like exercising options or relocating—directly shape the legacy a client leaves behind.

  1. A Landmark Integration with Goldman Sachs Custody Solutions

Opening a trust account has traditionally been a tedious process defined by manual data entry. By integrating Wealth.com with Goldman Sachs Custody Solutions (GSCS), advisors can now move from document review to account funding in a single, unified workflow.

Leveraging Ester®, the first AI assistant specifically trained in estate planning, the system automatically extracts key trust details—such as grantors, trustees, and beneficiaries—directly from legal documents to pre-fill account applications. Advisors can open trust accounts, link bank accounts, and initiate ACAT transfers without ever leaving the Wealth.com dashboard.

  1. In-App Deed Preparation

One of the most persistent challenges in estate planning is the funding gap, the period after a trust is created but before assets, especially real estate, are formally transferred into it. Historically, deed transfers required outside attorneys, manual title research, and months of coordination.

To eliminate that friction, we launched In-App Deed Preparation. Clients can now initiate deed transfers directly within their Wealth.com portal and complete the process in days, not months, and with coverage across every county in all fifty U.S. states.

The entire experience is client-led. Clients select their properties, choose their timeline including a 48-hour rush option, schedule a mobile notary at their convenience, submit payment by credit card, and notarize their entire Wealth.com estate plan in one coordinated step.

  1. Meeting Intelligence: Jump, Zocks, and Zoom AI

Planning shouldn’t start with data entry; it should start with listening. We announced new integrations with Jump, Zocks, and Zoom AI that turn meeting transcripts into actionable data. If a client mentions a liquidity event or a move during a call, that context flows directly into their Wealth.com profile without you having to type a word.

  1. Ester Becomes Consequence-Aware

Our AI assistant, Ester, has evolved beyond simply extracting information from documents. She now understands consequences, and soon, policy. During the keynote, we showed Ester analyzing a 50-page trust in seconds, flagging real risks such as ambiguous distribution language and potential trustee conflicts. But coming in April, Ester goes a step further.

Advisors will be able to simply ask:
“What if the leading Democratic candidates in New York City were to enact their proposed policies? How would my clients be impacted?”

In seconds, Ester will do what an analyst would normally spend an entire day on. First, she reviews the latest polling data to identify the leading candidates. Next, she researches their proposed legislative agendas, with a focus on personal finance issues such as income and estate taxes. Finally, she analyzes those proposals against the client’s actual circumstances, their real balance sheet and their actual estate plan.

The output is a clear, side-by-side view of how potential policy changes could impact a client’s financial outcomes, translating abstract policy into real dollars and real decisions.

  1. The New Report Builder & Visual Flowcharts

We have completely rebuilt how estate plans are visualized . The new Report Builder moves away from static PDFs to create living flowcharts. These visuals show exactly how assets move and when trusts activate, ensuring clients truly understand their plan.

  1. Integrating Alternatives with Arch

Building on our robust suite of integrations with eMoney, Addepar, and BlackDiamond, we announced an upcoming integration with Arch. This will allow advisors to seamlessly capture hundreds of alternative investments owned by HNW clients and incorporate them directly into the planning process.

  1. Major milestones in estate planning at scale

Wealth.com announced:

    • Over 100,000 estate plans completed

    • Coverage across all 50 states

    • Average completion time under 30 minutes

    • 94 percent start-to-completion rate

  1. Side-by-Side Scenario Comparisons

Clients often ask, “What if I moved?” Now, you don’t have to guess. Our new comparison tool lets you run scenarios—like a move from New York to Florida—side-by-side. The system instantly calculates the differences in income tax, estate tax, and family outcomes.

  1. Compounding Estate Impact Metrics

Finally, we introduced a metric that changes how clients view tax strategy. When you model a decision—like a Roth conversion—Wealth.com now explicitly shows how that choice impacts the estate size decades in the future. It’s the power of compounding, made visible.

 

The Future is Already Here

As Rafael said in his closing, this isn’t an academic exercise. It’s about giving families certainty and ensuring that fragmentation never gets in the way of compounding. Ready to see these features in action?

Watch the EstateCon Keynote Replay

 

Wealth.com Launches Proprietary Tax Planning Platform, Fully Integrated within Industry Leading Estate Planning Ecosystem

PHOENIX, AZ – JANUARY 27, 2026— Wealth.com, the modern planning platform for wealth management firms, today announced the launch of Wealth.com Tax Planning, a next-generation solution that unifies tax planning, estate strategy and execution workflows within a single platform for advisors. The announcement was made during the keynote address at Wealth.com’s inaugural EstateCon, delivered to a sold-out in-person audience and more than 1,000 virtual attendees nationwide.

As advisors navigate increasingly complex client lives, including multi-state residency, concentrated equity, Qualified Small Business stock considerations, advanced trusts, evolving tax legislation and multigenerational planning needs, fragmented tools and disconnected workflows have struggled to keep pace. Wealth.com Tax Planning is designed to close this gap by connecting tax strategy, legal intent and execution inside one integrated system.

“Tax planning and estate planning are inseparable parts of a holistic financial plan, yet the industry has historically treated them as disconnected disciplines,” said Rafael Loureiro, Co-Founder and Chief Executive Officer of Wealth.com. “Advisors are being asked to do more, with greater precision and accountability. We built Wealth.com Tax Planning to move beyond calculating a tax bill and toward architecting a client’s future. It is the difference between optimizing a moment and compounding a lifetime.”

 

Introducing Wealth.com Tax Planning

Wealth.com Tax Planning enables advisors to model forward-looking tax strategies while understanding their downstream impact on estate outcomes, gifting capacity, charitable planning and long-term family legacy. Rather than optimizing for a single tax year, the platform connects tax decisions to multigenerational outcomes.

Key capabilities include:

  • Multi-state tax scenario modeling with side-by-side comparisons
  • Guided planning workflows through intuitive “Quick Actions”
  • Natural-language data capture from advisor and client inputs
  • Client-ready reporting with delivery through a secure client portal

“Advisors don’t think about tax planning, estate planning and execution as separate workflows. They think in terms of outcomes for real families,” said Danny Lohrfink, Co-Founder and Chief Product Officer of Wealth.com. “We built Wealth.com Tax Planning to reflect how advice is actually delivered, connecting tax decisions to legal structures and execution in one continuous system. This gives advisors confidence that what they plan is what ultimately gets implemented.”

Tax Planning is embedded directly within the Wealth.com platform, ensuring tax strategies remain continuously connected to trusts, legal documents and execution workflows, and will be available on April 2, 2026.

 

Second-Generation AI Built for Planning, Not Just Calculation

During the keynote, Wealth.com also unveiled major advancements to Ester®, its proprietary AI engine. Ester now analyzes federal and state tax documents alongside estate documents and trust provisions to surface risks, conflicts and future-state implications across a client’s plan.

These insights power Wealth.com’s redesigned Report Builder, enabling advisors to deliver clearer, more actionable planning narratives that connect tax decisions to estate outcomes, funding gaps and long-term legacy considerations.

 

Additional Platform Announcements

Wealth.com also introduced several new execution-focused capabilities designed to reduce friction and accelerate outcomes for advisors and clients:

  • Mobile Notary: Enables advisors or clients to engage a notary public directly within Wealth.com, supporting same-day document execution and automatic digital upload.
  • Nationwide Deed Preparation: Now available in all 50 states through a partnership with Dec Law, simplifying trust funding for real property. Nationwide deed preparation is offered at a flat $175 per deed, plus recording fees, with advisors and clients able to track deed status and transfers directly within the Wealth.com platform.

 

New Integrations Across the Wealth.com Ecosystem

To further streamline workflows and reduce manual work, Wealth.com announced several new integrations:

  • Goldman Sachs Custody Solutions: For trust accounts held at GSCS, advisors can open and fund accounts directly within the Wealth.com platform. By automatically extracting trust data via Wealth.com this integration streamlines account setup, reduces manual data entry and increases visibility into onboarding status of complex trust structures and estate plans.
  • Zocks and Jump: Sync meeting intelligence so advisor conversations, notes and action items are reflected across estate and tax planning workflows
  • Arch: Aggregates complex client financial data, including K-1s and alternative investment holdings, to bring richer context into Wealth.com.

Together, these integrations further position Wealth.com as a system of record for tax, estate and legacy planning.

 

Continued Industry Momentum

At EstateCon, Wealth.com highlighted continued growth across both enterprise and independent advisor channels, including expanded firm-wide deployments and approvals. The company also announced plans to open a New York City office in February 2026, further expanding its physical presence and commitment to serving advisors nationwide.

 

Wealth.com Tax Tour

To bring its next-generation tax and estate planning platform directly to advisors, Wealth.com announced the Wealth.com Tax Tour, with planned stops in 20 cities throughout 2026.

To learn more about Wealth.com and its tax and estate planning platform for advisors, visit www.wealth.com/tax.

 

 

About Wealth.com

Wealth.com is the industry’s leading estate and tax planning platform, empowering thousands of wealth management firms to modernize how planning guidance is delivered to clients. Purpose-built for financial institutions, Wealth.com is the only tech-led, end-to-end platform that enables firms to scale estate and tax planning with efficiency, consistency and measurable client impact.

Trusted by some of the largest names in finance, Wealth.com combines proprietary AI, enterprise-grade security, and deep legal and tax expertise to support the full spectrum of client needs—from foundational estate plans to advanced estate and tax analysis and reporting. With the introduction of Wealth.com Tax Planning, firms can deliver more integrated, proactive planning through a single platform. Wealth.com has been widely recognized for innovation and leadership, earning Top Estate Planning Technology and Top Estate Planning Implementation at the 2025 WealthManagement.com Industry Awards, as well as the #1 estate planning market share in the 2025 Kitces AdvisorTech Study.

 

MEDIA CONTACT:

StreetCred PR
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Hannah Dixon
317-590-0915
[email protected]

 

Rob Farmer
415-377-3293
[email protected]

 

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