Tax planning platform

Tax planning,
layer by layer.

The discipline, modeled as one coordinated pipeline — not twelve isolated calculators.

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No credit card required · First projection in 15 minutes

One foundation. Twelve transformations. One plan.

The 1040 sets the foundation. Each strategy stacks on top, sees every move ahead of it, and contributes to a single lifetime tax plan.

Lifetime tax planOutput
12State Relocation
Transformer
11Tax Harvesting
Transformer
10Deduction Bunching
Transformer
09Charitable Giving
Transformer
08Business Liquidation
Transformer
07Business Structure
Transformer
06Stock Options
Transformer
05Roth Conversion
Transformer
04Social Security Optimization
Transformer
03Supplemental Income
Transformer
02Structured Withdrawals
Transformer
01Strategic Contributions
Transformer
Current-year tax return (1040)Foundation

Strategies are applied in sequence from the foundation up. The advisor controls execution order with drag-and-drop — Stratum recalculates the full pipeline on every change.

Most planning tools run tax strategies in isolation.

That’s not a plan. It’s twelve calculators.

01Current-year analysis

Start with the 1040

AI-powered extraction pulls income, deductions, gains, basis, and IRMAA exposure from a tax return in minutes. Stratum projects from there — every bracket, every RMD, every survivor transition — through life expectancy.

  • ▸Upload a tax return; get a baseline projection
  • ▸Income, deductions, capital gains, and AMT mapped automatically
  • ▸Bracket math, IRMAA, NIIT, QBI, and SALT all engineered in
02Strategy library

Twelve coordinated transformations

Each strategy is an immutable transformation applied to the lifetime projection. Configure once; the engine handles bracket interactions, deduction stacking, and asset flow downstream.

  • ▸Roth conversions · Structured withdrawals · Tax harvesting
  • ▸Charitable giving · Deduction bunching · QCDs
  • ▸Business structure · Business liquidation · Stock options
  • ▸Social Security · Strategic contributions · State relocation
03The differentiator

Every strategy sees the one before it

Drag-and-drop sequencing. When you reorder a strategy, the entire pipeline recalculates so the next strategy reflects every move that came before it. No second tools, no spreadsheet bridges, no double-counting.

  • ▸A Roth conversion in year 8 affects the harvesting capacity in year 9
  • ▸A QCD in retirement reduces the IRMAA exposure that follows
  • ▸A state relocation changes the SALT/state-tax math for all subsequent years
04Scenarios that close the meeting

Base vs. Strategic, every year

Every projection runs twice — Base (do nothing) and Strategic (all active strategies). The lifetime delta is what your advice is worth, in dollars. Auditable down to the bracket.

  • ▸Lifetime taxes, income, giving, and ending portfolio value
  • ▸Nominal and present-value (NPV) views
  • ▸Year-by-year drill-down with full bracket math
  • ▸Client-ready PDFs from any view

Coordinated planning vs. point calculators

The difference shows up in the numbers — and in what you can defend in a client meeting.

QuestionPoint calculatorsStratum’s pipeline
How much should I convert to Roth this year?One number, in isolation. Doesn’t see your harvest plan or charitable giving.Sized against the full lifetime — including bracket headroom every other strategy is using.
What does this strategy cost in IRMAA?Often missed entirely. IRMAA modeled separately, if at all.Surfaced inline. Every conversion shows the IRMAA tier and surcharge years it triggers.
Will my client’s widow face a tax cliff?Survivor projections require manual rework, if they exist.Modeled automatically. Filing-status transition and survivor-single bracket math built in.
What if I reorder these strategies?Re-enter every assumption in every tool.Drag and drop. The full lifetime recalculates in seconds.

See your client’s tax plan, layer by layer.

14-day free trial. No credit card. First projection in under 15 minutes.

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Output reflects user-entered assumptions and projected tax law. Hypothetical results are illustrative only and do not represent investment, tax, or legal advice. Stratum is planning software for use by financial advisors.