Estate planning income tax modeling in Worthy

Last updated: March 23, 2026

Worthy can help advisors navigate the income tax implications of estate planning strategies, ensuring wealth transfers are as tax-efficient as possible.

What Worthy Models

  • Asset distribution & liabilities: Calculates potential tax impacts for beneficiaries based on the specific types of assets they receive

  • Basis & capital gains: Projects the effects of stepped-up vs. carryover basis to minimize future capital gains taxes for heirs

  • Trust tax efficiency: Compares how different trust structures (Grantor vs. Non-Grantor) affect the client's personal tax return versus the trust's own tax liability

  • Strategic integration: Coordinates estate moves with ongoing strategies like Roth conversions, and incorporates the latest tax law changes (e.g., OBBBA)

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A note on scope

Worthy provides deep modeling on the income tax side of estate planning. For legal, gift, and estate tax components, we recommend reviewing Worthy's analysis alongside an estate attorney to ensure all elements are fully aligned.