Your advisor walks into every meeting with a data-backed agenda.
Your most valuable planning moments are already sitting in your IRS data. Financial Baseline 2.0 does the reading for you, so every conversation with your advisor starts a step ahead.
175+ Observations · 6 advisory disciplines
50+ Life Events · no AI
Opens a full 18-page sample report in a new tab. No sign-up required.
Full 18-page sample
Six more reports, all built on the same IRS-sourced data.
See all reports →Every account and every dollar, in one clear picture.
Two pages worth seeing first: a complete map of your accounts across every custodian, and every income source on record. Both drawn straight from your IRS-sourced data.
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Accounts by Custodian · page 6 of 18
See every account, at every custodian.
Cash, investment, retirement, and HSA accounts across every custodian on record, each with fair market value and activity. In this sample: $2.9M in assets across 11 custodians, including a $2.79M IRA held at another firm.
- See every account in one place, even the ones spread across different firms.
- Spot accounts worth consolidating or simplifying.
- Give your advisor a complete starting point, no digging required.
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Income Details · page 4 of 18
Every income source, by payer and category.
Employment, self-employment, business, investment, retirement, and estate income, itemized by payer with gross, taxable, deferred, and withheld amounts. The full story behind your 1040.
- Catch withholding gaps before they become a surprise at tax time.
- See every income source in one organized view.
- Base every planning conversation on what the IRS already sees.
Planning opportunities, hiding in plain sight.
Financial Baseline 2.0 checks your complete IRS-sourced records against 175+ planning opportunities across all six advisory disciplines, then hands your advisor a roadmap of the items worth a conversation. Here are two, exactly as they appear on the Tax Planning page:
Total federal income tax withheld $8,060.00 is 1.4% of total reported income $575,160.00 — below the 10.00% review floor. Review W-4 and safe-harbor position.
2024 MAGI proxy $575,160.00 exceeds the IRMAA tier-1 threshold $109,000.00 (single) for premium year 2026 — Medicare premiums will be surcharged. Evaluate QCDs, harvesting, and Roth-conversion sizing around tiers.
Nothing gets overlooked
What used to take days of manual review happens in moments. Your advisor sees every opportunity worth discussing, so your time together goes to your plan, not paperwork.
No AI. By design.
Every Observation is rules-based and produced without AI. Transparent, repeatable, and traceable, so the numbers behind your plan are ones everyone can stand behind.
One thorough review, across your whole financial picture.
Financial Planning
Retirement funding gaps and savings-rate flags surfaced against review floors.
Investment Management
Asset-location, account consolidation, and net realized-loss tracking.
Tax Planning
QBI, NIIT, IRMAA, withholding, and safe-harbor checks in one pass.
Estate Planning
Closely-held interests and succession & liquidity review from the K-1s.
Insurance
Coverage and risk exposures inferred directly from your household record.
Banking & Lending
Mortgage-rate benchmarking, deductibility caps, and deposit structuring.
One data source. A report for every conversation.
The Financial Baseline is where it starts. Every report below is built from the same IRS-sourced data. Preview any of them right here, no form required.
Tax Transcripts
The authoritative IRS account, return, and wage transcripts on demand, straight from the source.
Download sample ↓Sample coming soon. In the meantime, contact us and we’ll walk you through it.