# Plans tested across thousands of market paths

Test a household's plan across thousands of simulated market paths, open any path month by month, and keep tax, protection and estate work tied to the same facts. The advisor's CRM and back office sit in the same workbench.

## Test the plan across thousands of paths
Every plan runs across thousands of simulated market paths, so you see the range of outcomes, not one straight line. Open any single path and follow it month by month: income, spending, balances and taxes. Ask to see the decisions made along that path and why. Compare saved scenarios, such as retiring two years early or moving to another state, by wealth, chance of success and lifetime taxes. Each result keeps the facts it used, so it reopens without running again. See [the complete planning suite](/planning).

## Analyses for the big decisions
Social Security analysis compares claiming ages for one person or a couple. Roth conversion analysis shows how much to convert and when. Required distribution analysis plans withdrawals before they are forced. Survivor analysis shows what happens to income and taxes when one spouse dies. Gifting analysis shows what giving now means for the family later. Every analysis runs against the same plan, so the answers fit together instead of living in separate spreadsheets. Securities, risk and rebalancing are covered under [investment research](/investment-research).

## Multi-generational planning
One plan carries across parents, children and trusts. The family's goals, accounts and gifts sit in a single picture, and each person's own professionals see only what is shared with them. When the estate plan and the financial plan drift apart, the change is flagged for review, so a new account or a changed beneficiary does not go unnoticed. See how [estate planning](/estate-planning) builds on the same plan, and how [family linking](/clients) works for clients.

## Protection and income on the same plan
Size life insurance capital needs and an income floor against the saved plan and scenario. The inputs and assumptions stay with the result, so the analysis reopens without starting over. When the household needs coverage or an annuity, the agent picks up from the same facts. Analysis does not place a trade or buy a policy; the professional and the client decide. See [Life & Annuities](/life-annuities).

## Tax facts inside the plan
Facts from a prepared return move into the plan through a reviewed transfer. You choose each change, and the source value stays attached. See how income, distributions and conversions change the projected taxes, then bring in the client's tax professional where a decision needs specialist review. Returns, organizers and e-file authorizations are handled by the [tax practice](/tax) on the same household record.

## The advisor's CRM and back office
Households, people, touchpoints and tasks sit in one CRM with an activity feed for each client. Email, calls and recordings are captured and play back from the household record. Campaigns run with approval. Fee schedules, fee runs, invoices and custodian fee files handle advisory billing, and tax e-file authorizations can be signed and tracked from the same screen. See everything the [practice side](/practice) includes.

## Investment offices on the same platform
Investment offices work on the same platform. CIOs, OCIOs and consultants who manage managers for endowments, foundations, pensions and family offices set policy bands, size manager lineups, check each manager's style and risk, keep the fund ledger and report attribution to their committees. A family office can keep its household planning and its manager oversight side by side, with the same data, the same review steps and the same archive. Read more for [investment offices](/investment-offices).

## See it with the example household
Open the fictional business owner's plan in the showcase. Add a spouse and two children, move the household to another state, or end the business income at 60 to test an earlier sale. Run the plan again and compare it with the saved base scenario. Step through a single path month by month to see where the plan holds and where it strains. [Try the platform](/try?for=wealth), [talk with us](/contact) about your practice, or [review recordkeeping and oversight](/regulatory-fit/advisors).