# One platform for the professionals a family relies on Advisors, tax preparers, insurance agents and attorneys work from one record the client owns. Open the real workbench as a fictional firm, or open an example case and see the work it produces. ## One record across firms and generations Rutledge is one platform for the professionals a family relies on together: financial advisors, tax preparers, life and annuity agents, commercial insurance agencies and law firms. Investment offices that manage managers for endowments, foundations, pensions and family offices work on it too. A client-owned record follows the household across firms and generations, and a staff workbench carries the specialist tools, communications, compliance archive and back office. A referral between professions is a handoff, not a new intake. Every example case opens without signing in: every panel, the saved results, the simulation paths and the return pages, read-only. Changing an example, running it again or asking the assistant about it needs a work email, and then the example opens as your own copy. ## For clients A portal, an iOS app and a personal Rutledge ID span every firm a client works with. Family linking keeps parents, children and trustees in one picture. Identity is verified with a photo ID, a selfie and a liveness check, and sign-in needs no password. The client decides what each professional may see and can take that access back in one action. Linked accounts, payroll and income data, custodian statements, payments and e-signature sit beside plan, money, taxes and estate views. Rutledge Drive syncs the document vault to the desktop, private or shared by choice. [See the client side](/clients). ## For the practice One review-centered workbench serves every profession on a shared CRM of households, people, touchpoints and tasks. Microsoft 365 mail and calendar, Teams calls and chats, Zoom scheduling and recordings, RingCentral calls, texts, voicemail and fax, and Twilio messaging flow into an encrypted, searchable compliance archive. That archive also writes the CRM activity record. Agreements sign through BoldSign or the firm's DocuSign. Time, fee schedules, invoicing, custodian fee files and Stripe collection are built in. Websites, blogs, social posts, Google, Meta and LinkedIn ads, newsletters, letters and handwritten cards go out only with approval and consent. [See the practice side](/practice). ## Wealth and multi-generational planning Plans are tested across thousands of simulated market paths, and any path opens month by month. Social Security, Roth conversion, required distribution, survivor and gifting analyses sit beside the plan. Multi-generational planning carries one plan across parents, children and trusts, and flags estate drift for review. Look-through shows what each fund really holds, and rebalancing and trade lists are prepared for review before anything trades. Read more for [financial advisors](/advisors). ## Tax Prepare individual (1040), fiduciary (1041), and estate and gift (706 and 709) returns, plus business returns on Forms 1120, 1065 and 1120-S, for tax years 2023 through 2026. Returns are filed electronically with the IRS and all 50 states plus DC, with postmarks and acknowledgments. When a figure cannot be verified, the calculation declines rather than guesses. A season queue holds organizers, uploads and 8879 e-signature, and IRS authorizations bring in transcripts. [See the tax practice](/tax). ## Life & Annuities Size capital needs and income floors against the client's own plan, so protection fits the rest of the household picture. Compare annuity quotes and review carrier illustrations side by side. Track each application from the first form to the issued policy, and keep service requests in the same record. The advisor, the tax preparer and the agent work from the same facts, shared with the client's permission. [See Life & Annuities](/life-annuities). ## Commercial Insurance An adaptive risk interview asks only the questions a business needs. Documents the client sends are read automatically and turned into proposed answers for the agent to confirm. Appetite matching across 22 trade playbooks points each risk to the right markets. Carrier filing and market intelligence show where rates and rules are moving. Renewal boards, certificates and claims diaries keep service on schedule, and agency accounting covers trust money, commissions and general ledger export. [See Commercial Insurance](/commercial-insurance). ## Legal and estate planning Legal work starts with intake and conflict checks, with ethical walls where a matter needs them. Matters keep documents, research and work product together. Document analysis separates what a document says from what a client claims. Research cites the exact text of the governing law, never a paraphrase, and complete coverage is the standard. Estate planning draws directly on the household's financial plan and prepares the fiduciary and transfer-tax filings. Read more for [legal professionals](/legal) and [estate planning](/estate-planning). ## Research managers, set policy and report to the committee For CIOs, OCIOs and consultants who manage managers for endowments, foundations, pensions and family offices. Set the investment policy with a target and a band for each asset class. Size the manager lineup, look through funds to what they hold, and check each manager's style, risk and drift. Keep the fund ledger, including capital calls and distributions for private funds. Prepare rebalancing and trade lists for review, and report attribution and decisions to the investment committee. [See the tools for investment offices](/investment-offices). ## Every capability on one record Every capability runs on one client-owned record, under one set of permissions and one archive: [the shared CRM](/crm), [communications](/communications) captured and sent with permission, the [compliance archive](/archive), [financial planning](/planning) across a thousand simulated paths, [investment research](/investment-research) with fund ledgers and trade lists, [connected data](/connected-data) including your custodian's files with cost basis and IRS records, [time and billing](/billing), [reporting](/reporting), [marketing with consent](/marketing), [workflows and approvals](/workflows), [mobile and Drive](/mobile-and-drive), [e-filing and tax monitoring](/tax-filing), and [identity and e-signature](/identity-and-signatures). ## AI, integration and trust One AI gateway serves every tool and tracks what each use costs. AI agents act only through tools that need approval, and every action lands in a tamper-evident log. Items that AI reads from a document are confirmed one at a time. Every fact shows who supplied it, and every result shows the facts it used. Client data goes only to AI services under zero-data-retention terms. Firms connect their business software through a public API, and AI assistants connect through a governed, audited connection. Storage is encrypted, uploads are scanned, and single sign-on needs no password. Read [Security & Control](/trust), [how AI is used](/ai) and the [developer guides](/developers). ## See the specialist work for yourself The showcase opens the specialist tools on a fictional business owner. Calculate a return, test a plan, size protection, review a commercial risk and read the exact text of a law. Then prepare a brief for the next professional. Change the facts and run the work again to see what moves. [Try the platform](/try) or [talk with us](/contact) about your practice. Firms that connect their own software start with the [developer guides](/developers), and questions about cost belong on [pricing](/pricing). ## One case. Four professional perspectives. Alex runs a home-building business and wants to understand the next chapter. This fictional example starts with a tax return, then gives each specialist a concrete next piece of work. Explore each experience with the same case; you decide which facts and assumptions belong in the work. - **Tax · Establish the starting point.** Work out this year's return as tax planning: the year is not over, so the return is laid out on the IRS's draft forms, each part that cannot be worked out yet is named with its reason, and every state is compared. Review the source facts. [Explore Tax](/showcase?experience=Tax). - **Wealth · Test the next decision.** Carry reviewed tax facts into the plan, run 200 simulated paths and compare the base plan with a scenario in which business income stops earlier. Step through a path month by month, and inspect its decisions when you ask. [Explore Wealth](/showcase?experience=Wealth). - **Insurance · Examine protection and business risk.** Size life-insurance capital needs and essential income against the saved plan. For commercial underwriting, evaluate the electrical-contractor example and reuse its confirmed answers. [Explore protection and income](/showcase?experience=LifeAndAnnuities) or [commercial underwriting](/showcase?experience=CommercialInsurance). - **Legal · Frame the assignment.** Retrieve the exact text of a relevant provision, identify open questions and prepare a focused business-review brief. [Explore Legal](/showcase?experience=Legal). ### See the work the software prepares [![Actual handoff workspace showing a business and document review for Alex Example. The recommended package groups client, context, completed work and open questions, followed by a recipient preview marked private draft, not sent.](/images/product/fictional-brief.png)](/images/product/fictional-brief.png) **Actual software, fictional information.** The return is this year's return for a single filer with $100,000 of business income from a home built under a two-year contract. The brief asks a legal professional for a business and document review, delivering a reviewed issue list and the documents needed to proceed, with open questions about the governing jurisdiction and deadline. Open the image to inspect the full-size capture. These are examples of preparation, not filed returns, carrier submissions or an accepted engagement. ### A useful brief starts the next conversation Select the receiving specialty and requested work. Review the recommended sections and meaningful gaps, then save a private brief with source tracking. Recipient selection, client sharing authorization, recipient acceptance and delivery are separate steps in the authorized collaboration workflow. Saving a showcase brief does not perform those steps or give someone access to the case. [Try the shared case](/showcase) or [walk through a referral from your practice](/contact).