Vanilla

May 18, 2026

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Vanilla Handles Your Entire Book. Here’s What That Looks Like

A financial advisor’s book spans the full range of client complexity — from a household getting their first will to a UHNW family managing a multi-generational wealth transfer. Vanilla was built to handle all of it. More than 21,000 estates processed, $250 billion in assets modeled. Here’s what that looks like in practice.

Mass affluent clients: delivering good plans at scale

For emerging wealth clients, the problem most advisors face isn’t what to do — it’s how to do it consistently across a large number of relationships without the process falling apart.

Vanilla’s Document Builder™ gives clients the tools to complete their own wills, trusts, and healthcare directives while keeping the advisor central to the conversation. As the client works through their questionnaire, the advisor sees assets and details surface that they often wouldn’t have found otherwise. For clients who already have plans in place, Vanilla generates branded estate summaries from uploaded documents in minutes — clear enough to walk through in a client meeting. Planning gaps and missed opportunities get flagged automatically.

Advisors who bring Vanilla into their full book — not just a subset of clients — see 200% higher revenue growth rates than those who use it selectively. That gap comes from what happens in the planning conversation when an advisor isn’t scrambling to build the infrastructure from scratch.

High-net-worth clients: staying relevant as wealth grows

A completed document isn’t the goal with HNW clients — it’s a starting point. What advisors need at this level is a way to stay in the planning conversation as wealth accumulates, families change, and the tax picture gets more complicated.

Vanilla’s scenario modeling lets advisors illustrate the impact of strategies like ILITs, GRATs, and IDGTs in a way clients can actually follow. Visual reports turn complex estate structures into something a client can understand in a meeting rather than take home and puzzle over. And because Vanilla tracks the full financial picture, advisors can surface planning opportunities proactively rather than waiting for a client to bring them up.

Ultra-high-net-worth clients: when the details change everything

UHNW planning is where precision matters most. Vanilla models advanced strategies — GRATs, SLATs, bypass trusts — with state tax implications, GST exposure, and residue calculations built in. Waterfall analysis shows exactly how planning decisions flow through to individual beneficiaries. Complex ownership structures and transfers across family members get mapped and reported in a form clients and their other advisors can actually work with.

“This is hard math — and Vanilla gets it right,” said Matt Marini, CFP®, Wealth Advisor at Coastal Bridge Advisors. “We trust the platform to help us serve even our most sophisticated clients with accuracy and confidence.”

For situations that need more than modeling — unusual structures, complex entity relationships, hard fact patterns — Vanilla’s in-house team brings over 100 years of collective trust and estate experience to the work. That’s the backstop for the cases where good software alone isn’t enough.

The same team across all of it

What makes the full-spectrum capability meaningful isn’t just that the software handles different complexity levels. It’s that the same platform and the same team are behind every engagement. When a mass affluent client grows into a more complex situation, the advisor doesn’t switch tools or rebuild context. When a UHNW client needs something the platform handles routinely, the advisor isn’t cobbling together a workaround.

21,000+ estates. $250B+ in assets modeled. The advisors growing the fastest are serving their entire book — not just the part their software was built for.

Interested in learning more? Talk to us. 

The information provided here does not constitute legal, financial, or tax advice. It is provided for general informational purposes only. This information may not be updated or reflect changes in law. Please consult with an estate attorney, financial advisor, or tax professional who can advise as to your particular situation.