Estate planning isn't a single decision; it's an evolving documentation practice across decades. The young family establishing a basic will isn't doing the same work as the peak earner building a revocable trust, who isn't doing the same work as the retiree coordinating beneficiary designations across thirty accounts, who isn't doing the same work as the blended family using QTIP planning to balance current spouse and prior-marriage children. Tools that try to serve estate planning have to handle all of these — and most don't, because the test data doesn't include the structural diversity the lifecycle requires. The Estate Planning Beta Pack is 200 households built specifically for this lifecycle: from new-parent will-formation through multigenerational trust administration.
Estate-planning software is one of the underserved parts of the wealth tech stack. The dominant tools either focus on document drafting (where the work is law-firm-internal) or on high-net-worth trust administration (where the customer base is small and concentrated). The middle of the market — advisors guiding clients through estate-readiness reviews, beneficiary audits, gifting strategy, and document upgrades — is poorly served. This is a market opportunity for builders, but it requires test data that captures the realistic client profiles across the full estate lifecycle.
The production-data problem here is acute. Estate planning data lives in PDF documents (wills, trusts, beneficiary designation forms). The structured representation that planning software needs — document inventory by type, beneficiary mismatches across accounts, gifting history, trust structures — has to be extracted from those PDFs first. Most firms simply don't have this data structured, which means software vendors don't have a customer base with structured data to demo against.
This Data Set provides 200 households where the estate data is fully structured: document inventory per household, beneficiary designations per account, annual gifting histories, trust structures (where present), and the GST exemption tracking that matters for HNW planning.
Demos document-review and beneficiary-audit capabilities to RIA prospects using realistic households spanning the full estate lifecycle — from the young family with no trust to the multigenerational family with three trust structures and an active gifting program.
Tests the firm's annual estate-readiness review process against realistic clients, validating that the workflow surfaces beneficiary mismatches, gifting opportunities, and document-update triggers consistently across client profiles.
Validates the firm's trust-administration workflow for new client engagements, ensuring the intake process correctly captures grantor relationships, beneficiary structures, and trust-document inventory across client profiles ranging from simple revocable trusts to complex generation-skipping structures.
Tests planning workflows for blended families with QTIP / SLAT / IDGT structures, ensuring the firm's documentation tooling handles the prior-marriage / current-marriage / step-children scenarios that complicate estate planning for these clients.
Walks the CFP Board's estate-planning competency requirements against realistic client cases, demonstrating that the firm's process meets the documentation standards across the full client lifecycle.
The 200 households span ten archetypes covering the full estate lifecycle: young dual-income couples establishing first wills (F-03, A-01, A-03), peak earners building first trusts (P-02, P-05), HNW investors with multi-trust structures (H-01), retirees coordinating beneficiaries (R-01, RE-01), grantors of irrevocable trusts (E-02), and blended families with QTIP or step-child planning (BL-01).
Every household carries a structured document inventory: will status (none / drafted / executed), revocable trust status, durable power of attorney, healthcare directive, HIPAA authorization, and any irrevocable trust structures (with grantor / non-grantor status, trust type, beneficiary structure). Beneficiary designations are stored per account with a `beneficiary_mismatch_flag` set where the designation conflicts with the will or trust intent (a leading cause of unintended-distribution litigation). Annual gifting history tracks the past 5 years of annual exclusion gifts, with the recipient and amount per year. Trust structures (where present) are modeled as named entities with their own beneficiary structures and transition events.
The Data Set ships as JSON and CSV. The WealthSynth Methodology PDF documents the document-type taxonomy, the trust-structure taxonomy (revocable, irrevocable, GST-exempt, GST-non-exempt, special-needs, charitable lead/remainder), the beneficiary-designation methodology, and the calibration source for typical household estate profiles by life stage and wealth tier.
A redacted summary of one household from this Data Set — names, employers, exact balances, and metro area are stripped. Ages are bucketed, income and net worth are reported as bands. The full record (and all 200 like it) ships in the ZIP.
{
"estate.documents[]": <value>,
"estate.beneficiaries_by_account": <value>,
"estate.annual_gifting_history": <value>,
"estate.trust_structures[]": <value>,
"estate.gst_exemption_used": <value>
}Returns households where account beneficiary designations conflict with the will or trust intent — the highest-priority advisor outreach queue and the most common source of unintended-distribution litigation.
households.filter(h =>
h.estate.beneficiaries_by_account.some(b =>
b.beneficiary_mismatch_flag
)
)Returns households whose annual gifting is below the IRS exclusion ceiling AND who have HNW estates that would benefit from systematic gifting — the planning population for advisor outreach on annual gifting strategy.
households.filter(h => {
const currentYearGifts = h.estate.annual_gifting_history
.find(g => g.year === currentYear);
const giftsTotal = currentYearGifts?.total_gifts ?? 0;
const recipients = currentYearGifts?.recipient_count ?? 0;
const annualExclusion = 18000;
return h.assets.total > 5_000_000 &&
giftsTotal < annualExclusion * recipients;
})Returns households missing one or more core estate documents (will, durable POA, healthcare directive, HIPAA authorization) — the document-completion advisor outreach queue.
households.filter(h => {
const required = ['will', 'durable_poa',
'healthcare_directive', 'hipaa_authorization'];
return required.some(doc =>
!h.estate.documents.some(d =>
d.type === doc && d.status === 'executed'));
})For households with GST-exempt trusts, returns the GST exemption used to date as a fraction of the federal lifetime exemption — useful for planning future GST allocations and for identifying clients approaching the exemption limit.
households.filter(h =>
h.estate.gst_exemption_used > 0
).map(h => ({
id: h.id,
used: h.estate.gst_exemption_used,
used_pct: h.estate.gst_exemption_used / 13_610_000,
remaining: 13_610_000 - h.estate.gst_exemption_used
}))Each household's estate profile is generated against archetype-specific patterns. Young families (F-03, A-01) are weighted toward 'will only' or 'no documents' status; peak earners (P-02, P-05) are weighted toward 'revocable trust + will'; HNW (H-01) and grantors (E-02) carry full multi-trust structures with realistic beneficiary topologies. Beneficiary designations are seeded with a calibrated mismatch rate (about 35% of households have at least one beneficiary mismatch — a number consistent with industry studies on beneficiary-designation accuracy). Annual gifting histories are realistic for the household's wealth tier and tax-planning sophistication. Trust structures use the canonical taxonomy (revocable, irrevocable grantor, irrevocable non-grantor, GST-exempt, GST-non-exempt, charitable lead, charitable remainder, QTIP, SLAT, IDGT) with realistic distribution by wealth tier. The corpus passes the WealthSynth consistency validator (document inventory is internally consistent; beneficiary designations reconcile with will intent; gift totals match recipient counts) and the LLM-as-judge gate. Annual refresh tracks federal estate exemption changes, GST exemption changes, and any state-level estate-tax conformity changes.
Yes. The corpus uses the current-year federal estate and GST exemption ($13.61M individual / $27.22M married couple for 2024). The TCJA sunset in 2026 (when the exemption is scheduled to reduce by half) is reflected in the planning timelines for HNW households whose planning explicitly accounts for the upcoming reduction.
Yes. Households in states with state-level estate or inheritance tax (MA, NY, OR, WA, CT, IL, ME, MD, MN, RI, VT, plus the inheritance-tax states) carry the relevant state-tax structure. About 30% of the corpus is in a state with state-level estate tax, with the planning implications structured.
About 8% of the corpus is structured as a blended family (one or both spouses have children from a prior marriage). These households commonly use QTIP planning or other balancing structures to provide for the surviving spouse while preserving the prior-marriage children's inheritance rights. The QTIP structure is fully expressed in the trust-structure data.
Yes. About 15% of the corpus has at least one charitable structure: charitable lead trust (for tax-rate-arbitrage), charitable remainder trust (for income with capital-gains-deferral), or donor-advised fund. The grant-making activity from DAFs is tracked in the philanthropy field.
Yes. Households with crypto holdings have structured digital-asset estate planning — designation of digital-asset fiduciary, instructions for accessing self-custody wallets, and the cross-references between the will / trust and the digital-asset access plan. About 22% of the corpus has at least some digital-asset estate planning.
About 4% of the corpus has a special-needs trust (third-party SNT for a disabled child or sibling, or first-party SNT for a recipient who came into assets via personal injury settlement or similar). These are structured with the supplemental-care purpose, the trustee designation, and the means-tested-benefit preservation requirement.
The corpus calibrates the document-inventory completeness against industry studies (Caring.com's annual estate-planning surveys, AARP estate-readiness data). About 40% of the working-age corpus has only a will (no trust); about 25% has no will at all; about 25% has a revocable trust + will + supporting documents; the remaining 10% has the full HNW estate structure including irrevocable trusts.
B06 is broad — covers the full estate lifecycle with structured documents, beneficiaries, gifting. B11 focuses specifically on HNW estate-readiness scoring and trust structures. B12 focuses on multi-trust complexity for family-office and HNW practitioners. Many estate-tech buyers purchase B06 + B11 (for the broad-plus-HNW-scoring combination); B12 is for the specialized family-office / trust-company use case.
110 HNW and UHNW households with estate planning readiness scores, trust structures, gifting histories, charitable giving data, and GST exemption tracking. Complements B09 (Next-Gen Attrition) and B12 (Estate & Trust Planning).
180 households representing the full estate-planning lifecycle: peak earners building first trusts, HNW with complex multi-trust structures, late-retirees simplifying for handoff, recent inheritors navigating step-up basis, and next-gen heirs receiving distributions.
220 households mid-transition: divorce in progress, post-bankruptcy recovery, medical-debt crisis, sandwich-generation caregivers, recent windowhood, sudden wealth, distressed mortgages, and blended-family formation. High behavioral-event density and asset reshuffling.
Purchases are for internal use only. Redistribution or resale of data is prohibited under the WealthSchema Data License.
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