Five requirements, ranked by user pain.

User problem

Users do not understand how different inherited assets are taxed — brokerage accounts, real estate, traditional IRAs, Roth IRAs, and state inheritance taxes each behave differently.

Requirement

Let users enter asset type, value, basis, beneficiary type, and jurisdiction, then estimate likely tax outcomes by scenario, including stepped-up basis and 10-year IRA withdrawal treatment.

User problem

Outdated beneficiary designations override the user's intended estate outcome and create costly mistakes after divorce, remarriage, or the death of a named beneficiary.

Requirement

Maintain a unified beneficiary dashboard across financial accounts, detect missing or stale designations, flag high-risk setups, and trigger review prompts after major life events.

User problem

Heirs often don't know what accounts exist, where assets are held, or how they are titled — creating delays and lost value during estate administration.

Requirement

Provide a centralized asset registry with estate-specific fields — owner, title structure, beneficiary status, trust status, institution, estimated value — plus an exportable summary for heirs or advisors.

User problem

Users frequently ask whether setting up a trust is financially worth it. The honest answer depends on probate costs, state rules, and whether assets are actually funded into the trust.

Requirement

Estimate probate cost and timing by state, compare to trust setup and maintenance costs, and show whether a trust is likely to deliver financial ROI for the user's estate profile.

User problem

Spreading inherited IRA withdrawals across the 10-year window is hard to do well — concentrated withdrawals push heirs into higher tax brackets unnecessarily.

Requirement

Model annual withdrawal strategies against projected income and filing status, then recommend lower-tax distribution paths across the permitted withdrawal period.