12 strategies running in one coordinated pipeline. Base vs. Strategic comparison across every year through life expectancy. Reports that close the meeting.
Stratum is a tax-optimization platform built for financial advisors who need to show clients the lifetime impact of coordinated planning strategies — not just this year's tax bill.
Most tools model strategies in isolation. Roth conversions in one module, harvesting in another, Social Security in a third. You become the integration layer. Stratum eliminates that — every strategy runs through a sequential pipeline where each one sees the full impact of every strategy before it.
The result is a single, coherent lifetime projection that you can walk through with your client year by year, backed by professional reports that make the value of your advice undeniable.
12 strategies run in sequence — each one sees the full impact of every strategy before it. Roth conversions that account for your harvesting plan. Withdrawals that reflect your Social Security timing. You control the execution order with drag-and-drop to test how different sequences change the outcome.
Every projection runs twice — once with no strategies (Base) and once with all active strategies applied (Strategic). The difference is what your advice is worth. Income, taxes, assets, and giving — all compared year by year, with lifetime totals in both nominal and NPV terms.
Income, assets, and taxes projected from today through life expectancy. Automatic inflation indexing, RMD calculations, bracket adjustments, survivor transitions, and IRMAA tracking — every year, every detail, fully auditable.
Professional PDFs with executive summaries, strategy breakdowns, and year-by-year projections. Charts and tables designed to make the value of your advice clear to clients who aren't tax professionals. Print directly from any strategy editor or build a custom report package.
Upload a tax return and let AI extract income, deductions, and assets automatically. Clients can upload their own returns through the client portal. Minutes to a first projection, not hours.
Create a household with basic demographics and filing status. Upload a tax return for AI-powered data extraction, or enter financials manually. Either way, you're projecting in minutes.
Stratum immediately projects income, assets, and taxes from now through life expectancy. This is the Base case — the “do nothing” path. Review assumptions, confirm the numbers match your understanding, then start optimizing.
Apply Roth conversions, structured withdrawals, Social Security optimization, tax harvesting, business liquidation, charitable giving — up to 12 strategies, each building on the one before it. Reorder them to test how different sequences change the outcome.
The Summary tab shows the difference: lifetime taxes, income, giving, ending portfolio value — Base vs. Strategic, nominal and NPV. This is the number that quantifies what your advice is worth.
Generate professional PDF reports — executive summaries, strategy breakdowns, year-by-year projections — and walk your client through the plan. Or share a curated view through the client portal for ongoing transparency.
14-day free trial. No credit card required. First projection in under 15 minutes.