# One plan for every family you advise

Test each family's plan across a thousand market paths. Taxes, protection and the estate use the same facts. Try the workspace as a sample advisor, or open an example below without signing in.

## One plan the family owns
A family's plan sits on one record the family owns. It holds parents, children and trusts in one picture. It follows the family when an advisor joins or leaves. The family decides what each professional may see. They can take that back in one step. Every fact says who gave it and when. So you always know what a figure rests on. Each example below opens without signing in. To change one, enter your work email. It then opens as your own copy.

## Planning
Every wealth seat starts with planning. Test the plan across a thousand market paths and open any path month by month. Compare claiming ages for Social Security. See how much to convert to Roth and when. Plan required withdrawals, survivor income and gifts. Pick a spending rule with guardrails that cut or raise spending. Project the estate with its state and federal tax. Private funds, a family business and trusts count when the family has them. [See planning](/planning).

## Planning and tax returns
The second tier adds the family's own tax return. Prepare Form 1040 with its schedules for tax years 2023 through 2026. File it with the IRS and all 50 states plus DC. Each filing gets a postmark and an answer back. Tax planning cards show what is still owed, the room for a Roth conversion and the effect of a gift to charity. Move reviewed tax facts into the plan. Pull IRS records under the client's say-so. [See planning and tax returns](/individual-tax).

## Planning, tax and investments
The third tier adds the investment tools. Look up any stock, fund or bond and see what each fund really holds. Set models with a target and a band for each asset class. Rebalance inside the bands into trade lists a person reviews. Nothing is sent to a broker from here. Your custodian's daily files bring positions and cost basis. Measure performance and bill fees on assets from the same record. Private funds keep their own ledger. [See the investment tools](/investment-research).

## Protection & income
This add-on sizes life insurance and income from the family's own plan. Find how much coverage closes the gap if a parent dies. Find the income floor the family needs, whatever markets do. See how much of it Social Security and pensions already cover. Compare annuity income quotes side by side. Review carrier illustrations next to the need. Track each application to the issued policy. Quotes and illustrations are billed at their cost. [See Protection & income](/life-annuities).

## Factor models & style analysis
This add-on explains where a portfolio's risk comes from. A daily factor model splits risk into market, style, sector and single holdings. Try a shock, such as stocks down 20%, and see the dollar effect. Replay a past market against today's holdings. Style analysis shows what a fund really does and how it drifts. The Lineup Lab sets your model lineup against its bands. The data behind it is billed at cost plus a stated margin. [See factor models](/factor-models).

## Data add-ons
Data add-ons bring facts in from the places that hold them. Payroll and pay stubs come from the client's employer. Linked bank and brokerage accounts bring balances and spending. Home values come with recent sales nearby. Retirement plan filings show fees before a rollover. Market data keeps prices and fund holdings fresh. Each fact keeps its source and the date it was true. Each feed is billed at its cost plus a stated margin. [See data add-ons](/connected-data).

## Estate planning across generations
One plan carries across parents, children and trusts. Fund a trust, make a gift or lend to a child as a dated step in the plan. See the estate tax at each death, state and federal. See what each heir and each trust receives. When the estate plan and the financial plan drift apart, the change is flagged for review. A new account or a changed beneficiary does not go unnoticed. [See estate planning](/estate-planning).

## For your clients
Each family gets a portal and a phone app. One Rutledge ID works across every firm they use. Family linking keeps parents, children and trustees in one picture. Identity is checked with a photo ID and a selfie. No password is needed to sign in. Clients see the plan, their money, their taxes and their estate in one place. They sign forms, upload files and pay in the portal. Rutledge Drive keeps their documents on the desktop. [See the client side](/clients).

## For your practice
One workbench holds your clients, tasks and messages. The shared CRM keeps each household, its people and its history. Email, calls, meetings and texts land in one archive you can search. Agreements are signed with BoldSign or DocuSign. Fee schedules, invoices and custodian fee files handle billing. Posts and newsletters go out only with approval and consent. When a family needs a tax preparer or an attorney, hand them the work on the same record. [See the practice side](/practice).

## AI, integration and trust
AI drafts work and reads files, but it never acts without your approval. Each change shows who made it and which facts it used. Items that AI reads from a file are checked one at a time. Client data goes only to AI that never keeps it or learns from it. Your own tools connect through secure, logged software links. Storage is locked with encryption and uploads are scanned. Read [Security & Control](/trust), [how AI is used](/ai) and the [developer guides](/developers).

## See the work for yourself
Each example is a fictional family. Open the retired couple's plan and step through a path month by month. Open the private wealth family and see their funds, trusts and family business. Open the young family and see how much coverage they need. Change a fact and run the plan again to see what moves. [Try the platform](/try) or [talk with us](/contact) about your practice. Questions about cost belong on [pricing](/pricing).