$129,726 over 32 yrs
One distribution-strategy comparison, projected year by year. Domains covered: Retirement income.
The coordinated review your best clients need — in minutes, not weeks.
Six domain specialists reason against one model of the household — Wealth, Tax, Estate, Insurance, Trade, and Business & Real Estate. Where they disagree, the engine resolves the conflict and documents why. One dossier. Every seam covered — built for estate attorneys, CPAs, and fee-only planners advising $5M+ households.
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Your simplest clients don’t need this. We’ll say so.
A W‑2 and a standard deduction? A good tax-prep app handles that, and an engine like this one would be wasted on it. We built Rivalta to reason across interacting parts — so if a client’s situation has no interacting parts, there’s nothing for it to reason across.
But that’s not most of your practice. The moment a client owns a business, a rental, a partnership interest, a slice of an LLC, or land — the moment income arrives as a K‑1 instead of a paycheck — the parts start interacting. A Roth conversion becomes an estate decision. An entity restructure becomes an insurance decision. That’s the client Rivalta was built for, and that’s exactly where ordinary, single-domain advice quietly loses money.
The typical Rivalta client is a $5M+ household — that’s where the cross-domain math is most obviously worth running. But the trigger was never a number. It’s whether the parts interact. A business owner at $1.5M with a rental and a K‑1 has them; a $4M all‑W‑2 household with index funds doesn’t. You know which clients in your practice are which.
- Wealth.
- Tax.
- Estate.
- Insurance.
- Trade.
- Business & Real Estate.
- One synthesis.
Every Rivalta analysis reasons across tax, estate, insurance, and real estate — at $5M+, the domains don’t sit still while you work one of them. Concord is the deeper pass: it convenes every specialist that applies to the household and forces them to resolve where they disagree — the panel these clients actually need, in minutes, not weeks. The work is on the record.
The dossier is what your advisory fee looks like, delivered.
You have to justify the fee. The dossier is the justification — panel-grade coordination the client can hold: every interacting part reconciled, the dollar tradeoffs quantified, the alternatives rejected on the record. It is the artifact a single-domain tool cannot produce, because the value lives in the seams between domains, and no single-domain tool can see across them. And the engine has no product to sell and no commission riding on any recommendation — the only interest it serves is the household’s.
The seams are where the money is won or lost. A tax move that quietly costs the trust $410,000 over ten years. A 1031 sequence that lapses an irrevocable life policy. A bypass trust still sized to a sunset that never came — over-funded against assumptions the law changed, drifting further from the plan it was built for every year it goes unreviewed. None of these surface in a single-domain tool.
Today, catching them means convening the room: a CPA, an estate attorney, a fee-only planner, an insurance broker, and a real-estate specialist, weeks of calendar time, to produce one coordinated recommendation for one household. Rivalta produces the same dossier in minutes, not weeks — with the conflicts between those five disciplines already quantified and resolved.
The plan you hand the client
Same households. Same inputs. A different output entirely.
We took the published sample reports from the tools every advisor knows — IncomeLab, Holistiplan, Vanilla, eMoney, MoneyGuidePro — and ran the same households through the one Rivalta vertical built for each tool’s domain. The point isn’t that we find more. It’s that their tool produces a reading and stops, while the matching specialist surfaces the conflicts that reading left invisible, quantifies the tradeoffs, and shows what it rejected. Same households. Different category of output. The comparisons are public — read them, audit them, submit one we haven’t run.
Read the Comparisons- 9 recommendations
- 10 cross-domain conflicts
- 5 calendar triggers
- 49 alternatives rejected
The same household. The reading became decisions, and the conflicts that reading left invisible came to the surface, quantified.
When two specialists reach for the same lever, Concord resolves it — and writes down why.
Insurance specialist
Replace the lost pension survivor income with a guaranteed universal life policy on the client.
Tax specialist
Same survivor gap, different policy parameters — and a separate bracket-fill schedule the premium would quietly crowd out.
Concord resolution · on the record
One sequenced execution plan, not two overlapping recommendations left for you to reconcile. The duplicate is flagged, the parameter delta surfaced, the premium reconciled against the conversion schedule it competes with — and the call the reading never made gets quantified: cross the $218,000 threshold by a dollar and Medicare adds $974 / year in surcharges per spouse. The resolution is documented and reasoned. The undocumented conflict is the indefensible one.
Holistiplan produced its report for each household. Rivalta’s Tax vertical produced these.
Persona 1
Accumulator household
Austin & Lila, MFJ, mid-30s, 3 kids, dual-earner with Schedule C, 22% bracket
Holistiplan observation · templated
“You are in the 22% marginal bracket. Depending on your age and income projections, you might consider a Roth conversion.”
Rivalta Tax produced
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Maximize W-2 401(k) Elective Deferral to Capture Full Employer Match
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Texas Franchise (Margin) Tax Review for Proposed S-Corp Election
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Coordinated Roth Conversion with QBI Deduction Preservation
Persona 2
Professor household
Peter & Paula, MFJ, age 50, 2 kids, professor + Schedule C consulting, 22% bracket near top, itemizes
Holistiplan observation · templated
“Form 8606 reports after-tax basis in at least one retirement account. This basis reduces the amount of taxable income generated from a Roth conversion or normal distribution.”
Rivalta Tax produced
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Reduce Modified AGI Below the Net Investment Income Tax Threshold via Retirement Plan Contributions
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Donor-Advised Fund Funding with Appreciated Securities (Multi-Year Bunch)
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Net Savings Adjustment: Solo 401(k) and QBI
Persona 3
Retiree household
Robert & Roxanne, MFJ, age 72, both over 70.5, MFJ, 10% bracket, $0 total tax, $68K Social Security
Holistiplan observation · templated
“You both are over the age of 70.5 and thus are eligible to make tax-free Qualified Charitable Distributions (QCDs) from IRAs to qualifying charitable organizations.”
Rivalta Tax produced
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Prioritize QCD over Roth Conversion to Mitigate IRMAA Risk
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Qualified Charitable Distribution Sized to Actual Charitable Intent
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Roth Conversion to Fill 12% Bracket (IRMAA-Coordinated)
Three households. Three different answers. That is the difference between a template and reasoning.
The engine never sees the name.
Real client identifiers never reach Rivalta’s servers. Not in any database we operate. Not in anything the reasoning surface is sent. Not in any log we keep. The professional’s machine holds the names; a synthetic identifier vocabulary maps to them locally. The engine receives raw numbers, role labels, and pseudonyms — a substrate that is structurally insufficient to constitute a household-identifying record.
This is not a privacy policy. It is an architectural property.
Privacy is one half of the posture; process is the other. Regulators judge the process, not the outcome — and the documented, reasoned resolution is the defense. Every conflict Rivalta resolves is written down: what disagreed, why one path won, what was rejected and on what grounds. The indefensible thing is the conflict no one recorded. Rivalta records all of them. Eleven patent-pending claims. USPTO Application 64/062,916. Polsinelli counsel.
Read the full security postureTwo tiers. Both run all six verticals.
- // Pro — $999 / seat / month
- // Firm — $1,499 / seat / month
Monthly or annual — annual is about two months free. One seat runs Rivalta across every client whose situation justifies it, so the question is never “can I afford to run this on this client,” it’s “does this client have the moving parts.” That’s your call, across your clients.
Access is verification-gated. We confirm you are a licensed professional before you can run a single client, and we turn away anyone we can’t verify — the engine gives advice that a credentialed professional executes, so the credential is the door.
See PricingDrop a redacted plan. Watch six specialists argue. Keep the dossier.
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