Three layers build on each other. Every strategy sees the full picture. Two complete projections — Base and Strategic — show exactly what your advice is worth.
Your client's data flows through three layers — each one builds on the one before it. The result is a year-by-year projection from today through life expectancy.
WHAT YOU HAVE
WHAT YOU OWE
WHAT YOU CHANGE
Base case shows the “do nothing” path. Strategic case shows the impact of your coordinated strategies. The difference is what your advice is worth.
Starting Position
Year 2040 Projection
Lifetime Taxes
$892,000
Strategies Applied (in order)
Year 2040 Projection
Lifetime Taxes
$745,000
Lifetime Tax Savings from Coordinated Strategies
Each strategy saw the impact of every strategy before it — not modeled in isolation
$147,000
NPV: $89,420
Roth conversions increase this year's taxes — on purpose. Accelerating income into lower brackets now can save hundreds of thousands in taxes later. Tax optimization means paying the right amount at the right time, not the least amount every year.
A Roth conversion that runs after structured withdrawals sees a different tax picture than one that runs before. Stratum models these interactions explicitly. You control the order and see how it changes the outcome.
Summary says $147K in savings? Drill into the year-by-year tax projection. See the bracket detail. Walk from the headline number down to the individual line item. If an advisor can't trace a number, they won't present it. Stratum makes every result auditable.
A single-year snapshot can make a good strategy look bad. Stratum projects from today through life expectancy — nominal and NPV — so you and your client see the full arc of what every decision means over time.
14-day free trial. No credit card. First projection in under 15 minutes.