Transparent arithmetic for estate tax exposure, liquidity, buy-sell funding, life insurance and inherited retirement accounts.
Each tool shows its formula and starts with example values you can replace. Results illustrate the arithmetic for the figures entered. They are not a tax computation or a plan.
Asset and authority map: list each major asset, how it is titled, who has authority to act on it and whether a beneficiary or TOD designation exists.
Buy-sell funding calculator: compares the buyout price with insurance and cash set aside, then shows any unfunded balance and an installment payment.
Document readiness check: marks which of ten core estate documents and designations are in place, with items that do not apply left out of the count.
Estate liquidity calculator: compares the cash an estate must pay, including taxes, debts and costs, with liquid assets on hand to show any shortfall.
Settlement cash flow worksheet: sets cash on hand and expected sale proceeds against payments due during administration to show the net position.
Federal estate tax estimator: applies the top rate to the taxable estate above the exclusion, after deductions and adjusted taxable gifts.
Illiquidity worksheet: shows the share of gross assets held in business interests, real estate and private funds that cannot be sold quickly.
Ten-year rule schedule: illustrates level withdrawals that empty an inherited account within ten years. It does not compute required annual distributions.
Insurance and liquidity worksheet: totals cash needs for taxes, debts and settlement costs, then subtracts liquid assets and death benefits.
