Stratum
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Tax-OptimizedFinancial Planning
Empower your clients with sophisticated tax planning scenarios. Compare strategies, visualize outcomes, and make confident financial decisions.
Financial Planning for the Real World
Professional tools designed for financial advisors
Scenario-Based Modeling
Create an unlimited number of planning scenarios for each tax year.
AI-Powered Extraction
Upload tax returns and let AI automatically extract and organize tax data for instant analysis.
Client Management
Organize multiple clients and tax years with ease. Track scenarios and strategies for each client.
Lifetime Projections
Project income, assets, and taxes from now through life expectancy with automatic inflation indexing.
Real-Time Tax Calculations
Accurate federal tax calculations with automatic bracket indexing and survivor scenario support.
Visual Insights
Interactive charts and tables make complex tax data easy to understand and present to clients.
Powerful Tax-Aware Planning Strategies
Model and compare sophisticated strategies with real-time impact analysis
Roth IRA Conversion
Auto-calculate optimal conversion amounts to fill lower tax brackets across multiple years.
ASSET TAX ALLOCATIONStrategic Contributions
Analyze tax-advantaged retirement contributions to maximize wealth accumulation.
ASSET ACCUMULATIONStructured Withdrawals
Manipulate withdrawal patterns across tax-deferred, taxable, and tax-free accounts.
ASSET DISTRIBUTIONSocial Security Optimization
Optimize social security to consider benefits, income, taxes, and asset projections.
RETIREMENT INCOMEDeduction Bunching
Concentrate itemized deductions in alternating years to exceed standard deduction thresholds.
TAX STRATEGIESCharitable Giving
Model QCDs, appreciated securities donations, and DAF contributions for maximum tax benefit.
PHILANTHROPYBusiness Structure
Compare entity types and plan structure transitions for optimal FICA and income tax treatment.
ENTITY OPTIMIZATIONSupplemental Income
Plan part-time consulting, rental income, or other supplemental income streams during retirement.
RETIREMENT PLANNINGTax Gain/Loss Harvesting
Model impact of realized gains/losses, including basis tracking and loss carryforward.
CAPITAL GAINSComprehensive Projections
See the complete financial picture from now through life expectancy
Income Projection
- •Wages, Social Security, pensions, investment income
- •Automatic RMD calculations starting at age 73+
- •Retirement withdrawals to meet income targets
- •Survivor benefit calculations and transitions
- •Inflation indexing on all income sources
Asset Projection
- •Tax-free, tax-deferred, and taxable account growth
- •Proper basis tracking for accurate tax calculations
- •Automatic asset transfers in survivor scenarios
- •Compound growth projections through life expectancy
- •Visual portfolio allocation breakdown
Tax Projection
- •Year-by-year federal tax calculations
- •AGI, deductions, taxable income breakdown
- •Marginal and effective tax rate tracking
- •Bracket-by-bracket tax detail with headroom
- •Filing status changes after first death
Executive Summary
- •Lifetime tax savings across all strategies
- •Net present value of strategic benefits
- •Key milestone year comparisons (Base vs Alt)
- •Active strategies impact summary
- •Final portfolio value comparison
Built for Client Presentations
Transform complex tax concepts into clear, compelling visualizations
Professional Reports
Interactive Charts & Graphs
Stacked bar charts, trend lines, and visual comparisons make data come alive
Explainer Illustrations
Educational content helps clients understand complex strategies
Difference Highlighting
Color-coded comparisons instantly show where strategies have impact
Exportable Reports
Print-ready PDFs for client review and documentation
Lifetime Tax Savings
$147,382
NPV: $89,420
Ready to Transform Your Tax Planning?
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