# Estate plans built on the household's financial plan

Estate planning starts from the household's own financial plan, not a fresh questionnaire. The attorney, the advisor and the tax preparer work from the same facts, and the fiduciary and transfer-tax filings are prepared on the same record.

## Starts from the financial plan
The estate plan draws directly on the household's financial plan: accounts, property, income, insurance and the family's goals. With the client's permission, the attorney sees the facts the advisor already has instead of sending another questionnaire. When the plan changes, the estate picture changes with it. Each fact keeps its source, so everyone can see where a number came from and when it was last confirmed.

## One picture across generations
Multi-generational planning carries one plan across parents, children and trusts. Family linking connects each member's record, and each person still controls what they share. Trustees see what a trust needs and nothing more. The family's professionals work from one picture of who owns what, who inherits what, and how gifts and trusts move wealth from one generation to the next. Read how [family linking](/clients) works for clients.

## Estate drift flagged for review
Estate plans fall out of date quietly. A new account without a beneficiary, a changed title or a child's marriage can leave the documents saying one thing and the finances another. When the financial plan and the estate plan drift apart, the difference is flagged for review by the right professional. Nothing changes on its own; a person decides what to do about it.

## Gifting with the numbers in view
Gifting analysis shows what giving now means for the family later. Compare annual gifts, larger lifetime gifts and gifts to trusts, and see the effect on the parents' plan and the heirs. Current government interest rates used in estate and gift calculations are on hand, so the numbers match the rules of the day. Each scenario is saved with its assumptions for the record.

## Fiduciary and transfer-tax filings
The fiduciary and transfer-tax filings are prepared on the same record. Fiduciary returns on Form 1041, estate tax returns on Form 706 and gift tax returns on Form 709 draw on the facts already confirmed in the plan. They are filed electronically, with acknowledgments kept in the archive. K-1 information flows to the beneficiaries who need it. See the [tax practice](/tax) for every return family.

## The attorney, the advisor and the tax preparer together
Estate work needs several professionals to agree. Each one works in their own workspace, and the client decides what each may see. Referrals carry the facts the client has agreed to share, briefs set out who owns each part of the work, and results come back to the same record. Each professional keeps responsibility for their own advice. Read more for [legal professionals](/legal) and [financial advisors](/advisors).

## See it with the example household
Open the fictional business owner's case in the showcase. Test a plan in Wealth, look up the law behind an open question in Legal, and prepare a brief for the next professional. Change a family fact and see how each piece of work responds. [Try the platform](/try?for=legal), [talk with us](/contact) about your estate practice, or read [Security & Control](/trust) to see how sharing and access work.