Estate Planning AI Orchestration System
## The Solution An eight-agent AI system performs comprehensive estate analysis in minutes—mapping estate structures, calculating tax implications, optimizing gifting strategies, running probabilistic simulations, and generating professional reports—enabling advisors to deliver sophisticated planning at scale..
Problem Statement
The challenge addressed
Solution Architecture
AI orchestration approach
Agent Orchestration dashboard showing 8 specialized AI agents (Orchestrator, Estate Mapping, Tax Strategy, Risk Analysis, Compliance Guardian, Gift Optimization, Monte Carlo Analyst, Document Generator) in synthesis stage, real-time agent communication logs with Monte Carlo simulation results, and tool invocations with processing metrics
Estate Planning Analysis Results with 94% confidence score showing $2.0M tax liability identified and $0.8M savings opportunity, executive summary with key findings including federal exemption analysis, projected estate tax at 40% marginal rate, liquidity ratio assessment, and Monte Carlo growth probability projections
Analytics dashboard displaying model usage statistics with Claude-3-opus and Claude-3-sonnet API calls, execution time metrics, token distribution across agents, cache efficiency rates, and model provenance table showing findings with source agents, confidence levels, and IRS publication citations
Execution Audit Trail providing complete regulatory compliance trace of all agent activities and decisions, including workflow initiation, orchestrator agent spawning, estate data analysis with optimization opportunities identified, and tax calculations with federal/state projections timestamped for audit purposes
AI Agents
Specialized autonomous agents working in coordination
Orchestrator Agent
Synthesizing outputs from multiple specialized agents into cohesive recommendations requires conflict resolution, priority weighting, and confidence scoring across diverse analysis domains.
Core Logic
Coordinates the complete multi-agent workflow using Claude 3 Opus (200K context). Delegates tasks to specialist agents based on dependencies, aggregates findings using CQRS pattern, resolves conflicting recommendations through priority-weighted algorithms, and generates final output packages with 94%+ confidence scores. Runs final guardrail checks for safety and accuracy.
Estate Mapping Agent
Complex estates involve multiple entities (trusts, accounts, insurance policies) with intricate beneficiary relationships that are difficult to visualize and analyze holistically.
Core Logic
Analyzes complete estate structures using entity extraction and relationship mapping. Identifies all legal entities including revocable/irrevocable trusts, investment accounts, and insurance policies. Maps beneficiary chains across entities, validates current valuations, and detects concentration risks. Outputs structured data for downstream agents.
Tax Strategy Agent
Estate tax calculations involve complex federal exemptions ($13.99M for 2025), state taxes, marginal rate analysis, and unified credit application that require precise IRS compliance.
Core Logic
Calculates federal estate tax using IRC Section 2001(c) with 2025 exemptions. Applies state estate taxes where applicable, analyzes marginal rate impact (40% top bracket), and projects tax liability scenarios. Validates calculations against IRS Publication 559 with 99.8% confidence intervals. Recommends optimization strategies with quantified savings.
Risk Analysis Agent
Estate plans face multiple risk factors—liquidity risk for tax obligations, concentration risk, regulatory changes, and market volatility—requiring systematic multi-factor assessment.
Core Logic
Evaluates 12+ risk factors using weighted decision tree algorithms. Calculates liquidity ratios comparing liquid assets to projected tax liability, assesses concentration risk when single assets exceed 25% threshold, and stress tests scenarios. Generates risk scores (0-100) with specific mitigation strategies prioritized by impact.
Compliance Guardian Agent
Estate planning must comply with IRC regulations, SECURE 2.0 Act provisions, state-specific rules, and filing deadlines—violations can result in significant penalties.
Core Logic
Performs comprehensive regulatory compliance scans against IRC, ERISA, and state regulations. Validates gift tax compliance (annual exclusion $19,000 for 2025), tracks lifetime exemption usage, monitors filing deadlines (Form 706, Form 709), and ensures trust structures meet regulatory requirements. Flags compliance issues with priority deadlines.
Gift Optimization Agent
Maximizing wealth transfer through gifting requires optimizing across annual exclusions, lifetime exemptions, generation-skipping strategies, and beneficiary-specific considerations.
Core Logic
Optimizes gifting strategies using IRC Section 2503(b) annual exclusions and lifetime exemptions. Calculates maximum gifting capacity across all recipients over configurable time horizons. Evaluates generation-skipping opportunities using GSTT exemptions. Generates specific gift recommendations with tax savings projections and implementation schedules.
Monte Carlo Analyst Agent
Estate projections involve significant uncertainty from market returns, inflation, longevity, and tax law changes. Point estimates fail to capture outcome distributions.
Core Logic
Runs 10,000+ Monte Carlo simulations using Latin Hypercube sampling for multi-year estate projections. Analyzes scenarios across configurable time horizons with 95% confidence intervals. Reports median, P5 (worst case), and P95 (best case) outcomes. Calculates probability of estate growth and likelihood of tax thresholds being exceeded.
Document Generator Agent
Producing professional estate planning reports, presentations, and compliance documentation is time-intensive and requires consistent formatting across outputs.
Core Logic
Generates comprehensive document packages including Executive Summary Reports, Detailed Tax Analysis, Gifting Schedules, and Client Presentations. Uses Claude 3 Sonnet for content generation with professional formatting. Outputs in PDF, DOCX, and XLSX formats. Tailors communication style (technical/simple/balanced) based on audience preferences.
Worker Overview
Technical specifications, architecture, and interface preview
System Overview
Technical documentation
Tech Stack
5 technologies
Architecture Diagram
System flow visualization