Lifetime pricing lock, direct roadmap access, and priority support — reserved for the practices that help build what comes next.
Tax-Optimized Financial Planning
Multiple strategies. One coordinated pipeline. See the combined lifetime impact before your next client meeting.
Lifetime Summary
Tax Savings
$242K
Portfolio Gain
+$690K
Income Augmentation
+$302K
Applied Strategies
Built Different
Strategies That Work Together,
Not in Isolation
Other planning tools model each strategy in its own silo. Roth conversions in one module. Tax harvesting in another. You become the integration layer, mentally reconciling how they interact. Stratum eliminates that guesswork.
Sequential Pipeline
Each strategy sees the full impact of every strategy before it. Roth conversions that account for your harvesting plan. Withdrawals that reflect your Social Security timing.
Advisor-Controlled Order
You decide which strategies run first. Drag, drop, and reorder to test different sequences and see how the interaction changes the outcome.
Lifetime Tax Burden
Not this year's bill — the whole picture. Sometimes paying more tax now means significantly less over a lifetime. Stratum shows you exactly how much.
Professional Tools for Financial Advisors
Everything you need to deliver tax-optimized plans, faster
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.
Multiple Strategies. One Coordinated Pipeline.
Each strategy runs in sequence and sees the output of every strategy before it. The result is a single, coherent projection — not a patchwork of isolated modules.
Strategic Contributions
Maximize tax-advantaged contributions across account types.
Structured Withdrawals
Coordinate distribution patterns across tax-deferred, taxable, and tax-free accounts.
Supplemental Income
Model consulting, rental, or other income streams in retirement.
Social Security Optimization
Optimize timing with full visibility into income, tax, and asset impact.
Roth Conversion
Auto-fill lower brackets with conversions that see every other active strategy.
Stock Option Planning
ISO and NSO exercise/sale strategies with AMT modeling and reinvestment.
Business Structure
Compare entity types for optimal FICA and income tax treatment.
Business Liquidation
Model business sales with installment options, recapture, and capital gains.
Charitable Giving
QCDs, appreciated securities, and DAF contributions with full tax impact.
Deduction Bunching
Alternate-year deduction concentration to exceed standard deduction thresholds.
Tax Gain/Loss Harvesting
Realized gain/loss modeling with basis tracking and loss carryforward.
State Relocation
Measure lifetime impact of moving to a different tax state.
You control the order. Drag, drop, and reorder strategies to test how different sequences change the outcome.
Comprehensive 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+
- •Configurable asset withdrawals to optimize distributions
- •Survivor benefit calculations and transitions
- •Inflation indexing on all income sources
Asset Projection
- •Tax-free, tax-deferred, and taxable account growth
- •ISO and NSO stock option forecasts with tax impact
- •Proper basis tracking for accurate tax calculations
- •Automatic asset transfers in survivor scenarios
- •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
- •State tax rates with configurable exemptions
Executive Summary
- •Financial impact from all active strategies
- •Net present value comparisons of strategic planning
- •Key milestone year comparisons (Base vs Alt)
- •Lifetime tax impact from strategic actions
- •Final portfolio value comparison
Built for Client Presentations
Transform complex 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
Base Case
$892K
Lifetime Taxes
Strategic
$745K
Lifetime Taxes
Lifetime Tax Savings
$147,382
NPV: $89,420 across 28 years
4 Coordinated Strategies
Show Clients the Whole Picture
Coordinated strategies. Lifetime projections. Reports that close the meeting.