AI-POWERED WEALTH PLANNING FOR PROFESSIONALS

The AI Operating System for Modern Wealth Planning

Understand the client's complete financial life. Model the future. Compare strategies. Discover opportunities.

WealthMind brings financial planning, tax, retirement, estate strategy and scenario modelling into one intelligent platform for wealth professionals.

Ask complex planning questions naturally.

app.wealthmindos.com / assistant

What happens if Alexander gifts £2.0 million to his children in 2028?

AI Planning Assistant

I'll compare this strategy with the current baseline and assess the impact on estate value, liquidity and projected inheritance tax.

✓ Scenario calculated · Preparing explanation…

Potential estate tax reduction

£800,000

Modelled at 2043 projection point

Liquidity impact

−£2,000,000

Reduces available cash reserve

Legacy impact

+£1,100,000

Net to beneficiaries

Key assumptions

7 applied

Growth, inflation, survival period

Professional considerations

Outcome depends on the seven-year survival period, the client's income requirement after the gift and the treatment of the trust's existing holdings. Modelling output only — professional judgement applies.

Ask the questions that shape the plan.

AI assistant

Ask the questions that shape the plan.

Explore complex planning decisions in natural language. WealthMind interprets the question, orchestrates the appropriate modelling and explains the calculated outcome.

  1. 1Question asked in natural language
  2. 2AI interprets the planning intent
  3. 3Deterministic financial engine calculates
  4. 4Calculated results returned
  5. 5AI explains what changed and why

The financial engine calculates. AI interprets, orchestrates and explains. The professional remains in control.

app.wealthmindos.com / assistant

What happens if Alexander gifts £2.0 million to his children in 2028?

AI Planning Assistant

I'll compare this strategy with the current baseline and assess the impact on estate value, liquidity and projected inheritance tax.

✓ Scenario calculated · Preparing explanation…

Potential estate tax reduction

£800,000

Modelled at 2043 projection point

Liquidity impact

−£2,000,000

Reduces available cash reserve

Legacy impact

+£1,100,000

Net to beneficiaries

Key assumptions

7 applied

Growth, inflation, survival period

Professional considerations

Outcome depends on the seven-year survival period, the client's income requirement after the gift and the treatment of the trust's existing holdings. Modelling output only — professional judgement applies.

app.wealthmindos.com / scenarios / gift-2028

Scenario

Lifetime gift of £2,000,000 in 2028

Current strategy Proposed strategy
20282033203820432048
MetricCurrent strategyProposed strategy
Estate Value£37.4m£35.5m
Projected Tax£3.85m£3.05m
Available Liquidity£5.7m£3.7m
Retirement Income£525k p.a.£510k p.a.
Legacy£30.8m£31.9m
Risk ConsiderationsBaselineSurvival period

Scenario modelling

Compare a proposed strategy against the baseline.

Understand both the potential benefit and the trade-offs before a strategy is implemented. Every scenario is calculated deterministically, so results are repeatable and reviewable.

Example scenario — Lifetime gift of £2.0m in 2028

  • Estate Value
  • Projected Tax
  • Available Liquidity
  • Retirement Income
  • Legacy
  • Risk Considerations

Opportunity discovery

Planning opportunities surfaced from the client's wider position.

Potential planning opportunities are identified from the household's modelled position, then analysed directly in the scenario engine.

Estate PlanningSurfaced for attention

Potential lifetime gifting strategy identified.

Potential impact
Reduction in projected estate tax exposure
Why it matters
The household holds assets well above the available nil-rate bands with surplus liquidity.

Analyse scenario

Pension Strategy

Alternative withdrawal sequence available for modelling.

Potential impact
Change in projected taxable income and residual pension estate
Why it matters
Drawdown order affects the timing of taxable income and the residual pension estate.

Analyse scenario

Cash Management

Surplus liquidity identified above modelled short-term reserve requirements.

Potential impact
Additional capital available for long-term investment or gifting scenarios
Why it matters
Cash balances exceed the household's modelled short-term expenditure requirement.

Analyse scenario

Family Planning

Intergenerational wealth transfer scenario available.

Potential impact
Change in projected legacy across beneficiaries
Why it matters
Two beneficiaries approach ages where structured transfers are commonly considered.

Analyse scenario

Client intelligence

A complete view of the client's financial life.

Wealth, entities, family structure, objectives and planning context held in a single household record.

  • Household and entity structure
  • Objectives and constraints
  • Planning context
app.wealthmindos.com / households / bennett

Household & entities

Bennett Family structure

AB

Alexander Bennett

Principal · 64

SB

Sophia Bennett

Spouse · 61

OB

Olivia Bennett

Daughter · 35

DB

Daniel Bennett

Son · 31

Asset structure

Main residence£4.8m
London investment property£3.6m
UK investment portfolio£6.2m
Global investment portfolio£7.4m
Defined contribution pensions£4.1m
Cash & short-term deposits£2.3m
Family investment company£5.2m
Family trust£2.1m
Business interests£1.7m

Bennett Family Trust

Discretionary · 2 beneficiaries

Bennett Capital Holdings Ltd

Family investment company

Financial modelling

Deterministic projections across the full plan.

Long-term projections are produced by the financial engine, using explicit, versioned assumptions. The intelligence is modern; the calculations are rigorous.

  • Nominal and real projections
  • Stress views
  • Versioned assumption sets
app.wealthmindos.com / modelling / projection

Long-term projection

Net wealth and liquidity, 2028–2048

NominalRealStress
20282033203820432048

Estate planning

Understand the estate position over time.

Model inheritance and intergenerational strategies against the client's projected estate.

  • Chargeable estate composition
  • Relief treatment and transfer scenarios
  • Projected inheritance tax and net to heirs
app.wealthmindos.com / estate

Estate position

Projected estate at 2043

Chargeable estate72%
Business / relief-qualifying assets38%
Trust holdings27%
Gifts within 7 years14%

Nil-rate bands

£1.0m

Projected IHT

£3.2m

Net to heirs

£31.0m

Cash flow & retirement

Income, expenditure, liquidity and sustainability.

Analyse the sustainability of retirement income alongside the household's wider liquidity position.

  • Income and expenditure paths
  • Liquidity requirements
  • Withdrawal sequencing
app.wealthmindos.com / cash-flow

Cash flow

Income, expenditure and liquidity

Net surplus Expenditure

Reporting

Turn analysis into a client-ready conversation.

Bring the position, the comparison, the opportunities and the assumptions into one document for the client conversation.

  • Planning Summary
  • Scenario Comparison
  • Planning Opportunities
  • Projected Outcomes
  • Key Assumptions
  • Professional Notes
app.wealthmindos.com / reports / bennett-q3

Client Planning Summary

Bennett Family

Prepared for review
01

Current Position

02

Scenario Comparison

03

Planning Opportunities

04

Projected Outcomes

05

Key Assumptions

06

Professional Notes

Estate value

£35.5m

Projected tax

£3.05m

Legacy

£31.9m

See WealthMind in action.

Explore how WealthMind can help your team understand complex client situations, model alternative strategies, surface planning opportunities and create clearer client conversations.