The Problem
Advisors are investment managers by trade, but the highest-value planning opportunities are buried in unstructured documents: tax returns, wills, trust agreements, and beneficiary designations that nobody reads. Scanning a 50-page tax return manually takes 3 hours. Reading a full estate document set takes longer. Most advisors skip it entirely, or skim for obvious numbers, missing proactive planning opportunities worth thousands per client.
External tax preparers miss $100,000 or more in loss carryforwards. Beneficiary designations go years without review. RMDs are calculated incorrectly. Clients pay the price while advisors stay focused on the AUM they can see.
Revenue Impact
Lost planning fees and wallet share from clients who find planning depth elsewhere.
Cost Impact
Paying $150k+ advisors to manually skim documents, or skipping the review entirely at the cost of client depth.
Risk
Missed RMDs, incorrect estate structures, and undiscovered tax liabilities expose both clients and the firm to significant financial damage.
Document Scanner
AI AgentIngests and parses all client document types into structured, queryable data regardless of format or age.
What The AI Does
OCR for scanned PDFs including handwritten annotations and older tax forms
Extracts all numeric fields from 1040s, Schedule D, K-1s, and estate inventories
Parses legal language from trust documents, wills, and beneficiary designation forms
Handles multi-year document sets to identify changes and trends over time
Tax Opportunity Engine
AI AgentApplies tax planning logic to extracted data to surface specific, actionable tax savings opportunities.
What The AI Does
Detects missed Roth conversion windows based on current bracket and future RMD projections
Calculates RMD requirements and flags discrepancies against prior year distributions
Surfaces loss carryforwards, unclaimed deductions, and multi-year tax coordination opportunities
Identifies Social Security optimization and Medicare premium planning triggers
Estate & Beneficiary Analyzer
AI AgentReviews estate documents and beneficiary designations for structural gaps, outdated instructions, and document mismatches.
What The AI Does
Cross-references beneficiary designations against current will and trust structure
Flags accounts with no beneficiary or outdated designations from prior life events
Identifies estate document mismatches between stated intent and current legal structure
Detects missing powers of attorney, healthcare directives, and unfunded trust gaps
Advisor Planning Session
Human ReviewAdvisor reviews the ranked opportunity report and builds the client meeting agenda from confirmed findings.
Review Criteria
Expected Impact
From investment management with occasional planning to proactive planning that starts with the documents clients already share.
Before:
Advisors manually skim tax documents for obvious numbers and skip estate reviews entirely, missing thousands per client in planning opportunities.
After:
Every client file is scanned automatically. Advisors walk into meetings with a ranked list of specific, document-backed planning opportunities ready to discuss.
Result:
Planning opportunities identified per client increase by 3x to 5x in the first quarter