How Deep Does Ledgerly Go to Take Care of Your Clients?
Ordinary tax-planning tools read a static prior-year Form 1040 PDF and stop at basic Roth conversions or S-Corp salary sliders. Ledgerly Tax Planning (Product T) unifies Live General Ledger Books + Multi-Year Form 1040 Returns across 11 Specialized Command Tabs, 80 Proven Features, 18 Master IRC Statutory Domains, 120 Simulatable IRS Scenarios, 56 Automated IRS Elections/Forms, 51 State/Territory Domicile Profiles, and a 10-Year Future Tax-Base & Capital Transaction Simulator.
The 11 Command Center Tabs: Every Layer of Client Tax Care
Every calculation traces directly to statutory IRC sections, Treasury Regulations, Revenue Procedures (`2022-38`, `2023-34`, `2024-40`, `2024-23`), and live client books without mutating accounting journals.
Tabs 1–3: Live-Ledger Business Strategies, 1040 Observations & Multi-Year Roth Solver
T-LED-001..009 · T-OBS-001..010 · T-SCEN-001..002 · T-RPT-001..002Syncs YTD GL net profit, officer W-2 payroll, fixed assets, and 3-year 1040s across Tax Years 2023, 2024, 2025, and 2026. Models S-Corp reasonable compensation, §199A QBI wage/UBIA guardrails, state PTET SALT workarounds (Notice 2020-75), Solo 401(k)/Cash Balance plans, Medicare IRMAA 2-year lookback cliffs, NIIT (§1411), AMT (§55), and multi-year bracket-fill Roth conversions.
Tabs 4–6: IRC §7216 Consent Gate, Multi-Seat Practice & 22 Lucrative IRC Loopholes
T-TRUST-001..002 · T-IN-001..004 · T-LOOP-001..022Enforces strict 26 CFR §301.7216-3 consent before touching 1040 data, tracks 3-year return line variances, and runs 22 specialized HNW/UHNW loophole engines: Short-Term Rental (≤7-day `Reg. §1.469-1T(e)(3)(ii)(A)`), REPS (`§469(c)(7)`), Augusta Rule (`§280A(g)`), Mega Backdoor Roth (`§401(m)`), QSBS (`§1202`) Trust Stacking, `§179` Heavy SUVs, Oil & Gas IDCs (`§263(c)`), and R&D Credits (`§41`).
Tab 7: Pre-Transaction "What-If" Event Simulator, Quarterly Safe-Harbor Radar & Executive PDF/DOC
T-SIM-001..004 · IRC §6654(d)(1)(B) & §6654(d)(2) Schedule AISimulates 12+ life and business events before they happen without mutating Live Books, gives the client ahead-of-the-game Q1–Q4 estimated tax vouchers (`100%/110%` prior-year vs Annualized Income `Form 2210 Schedule AI`) with year-end action countdowns, and generates white-label Executive PDF & Word (`.doc`) Tax Plan reports delivered straight to the client portal.
Tab 8: UHNW Private Bank, 10-Yr Accelerated Depreciation & 50-State Domicile Migration Simulator
T-UHNW-001..005 · §§168(k), 179, 721, 7702 (PPLI), 675(4)(C) (IDGT), 2702 (GRAT)Projects 10-year MACRS + Cost Segregation + Bonus Depreciation (`80% → 60% → 40% → 20%`) schedules with §1245/§1250 recapture waterfalls; simulates 50-state + PR Act 60 domicile migration (`CA/NY/NJ/MN → FL/TX/NV/WA/WY/SD`) with Advance Notice 183-Day Statutory Residency & FTB/NYS Audit Defense Checklists; and models "Buy, Borrow, Die" SBLOCs, §721 Exchange Funds, §7702 PPLI wrappers, and IDGT / Walton GRAT estate freezes.
Tab 9: Master 18-Domain / 120-Scenario IRC Tax Encyclopedia & 2023–2026 Law-Change Simulator
T-UNIV-001..002 · Form 3115 (§481(a)) · SECURE 2.0 · IRA §6418 · IC-DISC §992 · §1042 ESOPEnumerates and quantitatively simulates 120 distinct IRS tax scenarios (`SCN-001..SCN-120`) across all 18 Master IRC Statutory Domains, including Form 3115 automatic accounting method changes (`DCN #7/#184/#265`), Cash vs Accrual (§448), UNICAP (§263A), Repair Regs (`Reg. §1.263(a)-3`), §475(f) Mark-to-Market trader elections, §1256 60/40 contracts, IRA §6418 transferable clean-energy tax credits, IC-DISC export commissions (§992), and §6166 14-year estate tax deferral.
Tab 10: 10-Year Client Future Tax-Base Forecaster & Capital/M&A/Asset/Stock/Royalty Simulator
T-PROJ-001..006 · §§172, 469, 1212, 1245/1250/1231(c), 453A, 1060 Form 8594, 338(h)(10), 197, 751(a), 1235, 613Forecasts the client's 10-year (`2025–2034`) ordinary & capital gain tax bases and 5 carryforward ledgers (`§172` 80% NOL, `§469` passive, `§1212` cap loss, `§163(j)`, `§170`) while simulating: (1) Selling Assets/Real Estate (§1245 37% recapture, §1231(c) 5-yr lookback trap, §1250 25% gain, §453A $5M installment cliff, §1031), (2) Buying Companies (Stock $0 step-up vs Form 8594 Class V bonus/§179 + Class VI/VII 15-yr §197 goodwill), (3) Selling Companies (§751(a) Hot Assets ordinary trap vs §1202 QSBS & §1042 ESOP), (4) Selling Stock Portfolios (FIFO vs `Reg. §1.1012-1(c)` HIFO Specific-ID + TLH + 180-day §1400Z-2 QOZ), (5) Selling Royalties, Patents (§1235 20% LTCG), Music (§1221(b)(3)) & Mineral Rights (§613 15% Depletion), and (6) §355 Spin-Offs & §108(a)(1)(D) QRPBI Debt Workouts.
Tab 11: Judicial Doctrines (§7701(o)), §6662/§6694 Preparer Penalty Shield, Automated IRS Election Packet, Multi-Entity Waterfall & LB&I Audit Defense
T-PRAC-001..006 · IRC §§7701(o), 6662(b)(6)/(i), 6694, 6707A, 267, 1239, 482, 704(d), 1366(d), 465 · Circular 230 §10.34Protects both the client and the signing CPA under IRS examination: tests every strategy against the Codified Economic Substance Doctrine (`IRC §7701(o)` 2-prong test & strict-liability 20%/40% penalty guard), Step-Transaction Doctrine, and `§§267/1239/482` Related-Party rules; verifies Substantial Authority (≥40%) / More-Likely-Than-Not (>50%) standards (`Form 8275` / `Form 8886`); generates ready-to-file IRS Election Statements (`Form 3115`, `Form 8594`, `Reg. §1.263(a)-1(f)`, `§1235`, `Form 982`); models Multi-Entity Holding Company & Trust Waterfalls; and scores the client against IRS LB&I Global High-Wealth ("Wealth Squad") & DIF Audit Triggers.
Side-by-Side Practitioner Depth: Ledgerly vs. Industry Alternatives
| Practitioner Capability & IRS Depth | Ledgerly Tax Planning (Product T) | Holistiplan | Corvee | Bloomberg Tax Planner | Vanilla Estate |
|---|---|---|---|---|---|
| Live GL Books + Fixed Assets + Multi-Year 1040 Sync | ✓ Native Live Books + 3-Yr 1040 Sync (Zero Re-Entry) | Static Prior-Year 1040 OCR | Manual Questionnaire Import | Manual Cell Input | Static Balance Sheet Input |
| Simulatable IRS Scenarios & Statutory Domains | ✓ 18 IRC Domains · 120 Scenarios · 56 IRS Forms | ~12 1040 Bracket/Roth Checks | ~35 Small-Biz Strategies | 1040 Math Worksheet Only | Estate Diagrams Only |
| 10-Yr Future Tax-Base & Carryforward Forecaster (§172 NOL, §469, §1212) | ✓ Full 2025–2034 Tax-Base & 5-Ledger Carryforward Engine | Single-Year 1040 Only | Static Multi-Year Estimate | Manual Row Entry | None |
| M&A Buy/Sell Simulator (Form 8594 Class I–VII, §338(h)(10), §197, §751(a) Hot Assets, §1202, §1042) | ✓ Full Acquisition Step-Up & Exit Hot-Assets Simulator | None | Basic S-Corp Election Only | None | None |
| Asset, Stock & Royalty Sales (§1245/§1250/§1231(c), §453A $5M Cliff, HIFO Lots, §1235 Patents, §613 Depletion) | ✓ Full 4-Layer Recapture + HIFO + IP/Mineral Engine | Flat Capital Gain Input | None | Basic Cap Gain Worksheet | None |
| 50-State + PR Act 60 Domicile Migration + 183-Day Statutory Residency Advance Notice | ✓ 51 Jurisdictions + FTB/NYS 183-Day Audit Playbook | Basic State Rate Lookup | None | State Rate Calc Only | None |
| UHNW Private Bank ("Buy, Borrow, Die" SBLOC, §721 Swap Fund, §7702 PPLI, IDGT/Walton GRAT) | ✓ Full Quantitative 10-to-15-Yr Wealth & Estate Engine | None | None | None | Flowcharts Only (No Income/SBLOC Math) |
| Judicial Doctrines (§7701(o)), §6694 Preparer Penalty Shield, Election Packet & LB&I Audit Defense | ✓ Automated Doctrine Guard + Election Drafts + DIF/LB&I Radar | None | Generic Text Citations | None | None |