Key Enhancements for Complex & High-Net-Worth Planning
Over the past year, we’ve delivered a series of enhancements designed to strengthen Voyant’s support for complex cases, tax-aware planning, and sophisticated wealth transfer strategies.
Below is a focused walkthrough of what matters most in practice.
Advanced Trust & Estate Modeling
Voyant’s estate planning toolkit has expanded significantly, particularly for advisers working with affluent households.
What’s new
Full support for Grantor Retained Annuity Trust (GRAT) modeling
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Rolling GRAT functionality to model ongoing funding strategies
Support for Charitable Remainder Annuity Trusts (CRAT) and Unitrusts (CRUT)
Redesigned Legacy screen and reports with clearer post-tax wealth transfer detail
Estate Analysis report enhanced to handle large lifetime gifting datasets
Why this matters
You can now model more sophisticated wealth transfer strategies directly in Voyant and present clearer legacy outcomes to clients.
Expanded Tax Planning Control
Several updates improve your ability to reflect real-world tax complexity.
Key enhancements
Multi-state tax handling improvements (including spouses in different states)
Filing status selection for more accurate US calculations
Ongoing legislative updates reflected in the engine
In practice
These changes provide more flexibility when modeling high-income and tax-sensitive households, particularly where standard assumptions fall short.
Stronger Stress Testing & Inflation Analysis
New tools help you pressure-test plans in today’s volatile environment.
What’s been added
Inflation Adjustment Insight to simulate elevated inflation periods
Market Crash Insight now available in reports
Enhanced Monte Carlo reporting
Why advisers care
You can more clearly demonstrate plan resilience and quantify risk for clients who are increasingly focused on inflation and sequence risk.
Improved Support for Complex Balance Sheets
We’ve expanded modeling depth for business owners and clients with more sophisticated asset structures.
Notable updates
Ability to add and value privately owned companies in plans and the sale of those assets.
Promissory Note added as a supported debt type, great for modeling the sale of a business into an IDGT Trust.
Passive real estate loss modeling
In practice
Plans can now better reflect the structures commonly seen in high-net-worth households.
Retirement & Beneficiary Rule Updates
Retirement modeling continues to evolve alongside regulatory changes.
Enhancements include
Updated inherited IRA logic aligned with SECURE Act rules
Successor beneficiary support
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Beneficiary screen added for retirement accounts
RMD calculations updated to use prior year-end balance
Updated to OBBA rules.
Why this matters
These updates improve accuracy when modeling intergenerational wealth transfers and retirement income strategies.
Enhanced Report Offerings
The new Itemized Expenses Report provides a detailed, year-by-year breakdown of projected expenses, giving advisers and clients greater visibility into how spending evolves over time. Rather than viewing expenses as a single total, this report clearly categorizes outflows, such as taxes, debt payments, lifestyle costs, and one-time events, making it easier to understand where money is going and when. This added transparency supports more meaningful planning conversations and helps identify future high-spend years so clients can plan proactively.
Bottom Line for Advisers
Collectively, these enhancements enable you to:
Model more advanced estate strategies
Increase after-tax accuracy
Better stress test client plans
Reflect complex wealth structures
Deliver clearer client conversations