estate-overview

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# Estate Overview

## Tool Mapping (estate-planning + finance-graph)

| Task | Tool |
|------|------|
| List family members | `estate-planning.list_people` |
| Person details + ownership | `estate-planning.get_person` |
| List entities | `estate-planning.list_entities` (filter by type, jurisdiction, status) |
| Entity details | `estate-planning.get_entity` (ownership, documents, critical dates) |
| List assets (ownership snapshot) | `estate-planning.list_assets` (filter by type, jurisdiction, owner) |
| Ownership hierarchy | `estate-planning.get_ownership_graph` (full graph or per-person transitive) |
| Net worth | `estate-planning.get_net_worth` (by person, jurisdiction, or total) |
| Critical dates | `estate-planning.get_upcoming_dates` (next N days) |
| Link document | `estate-planning.link_document` (connect Paperless doc to entity/asset) |
| Valuation history / finance facts | `finance-graph.list_valuation_observations` and related finance tools |

## Routing Boundary

- Use `estate-planning` for legal ownership, succession structure, and compliance-state reporting.
- Use `finance-graph` for valuation history and statement facts (PL/CFS/BS, XBRL/OCF).
- Use `us-legal.search_court_opinions` for case law context on trust/estate structuring decisions.
- Use `us-legal.search_bills` for pending trust/estate legislation that may affect structuring.
- Do not write finance-fact payloads back into estate-planning records.
- If tax modeling is needed from this workflow, hand off to `household-tax`.

## Full Estate Snapshot Workflow

### Step 1: People

`estate-planning.list_people` — all family members with citizenship and residency status.
For each person of interest: `estate-planning.get_person` for entity ownership and linked documents.

### Step 2: Entity Hierarchy

`estate-planning.list_entities` — all trusts, LLCs, corps, HUFs with status and jurisdiction.
Group by:
- Jurisdiction (US entities vs India entities)
- Type (trusts vs operating entities vs holding entities)
- Status (active vs dissolved vs pending)

### Step 3: Ownership Graph

`estate-planning.get_ownership_graph` — full ownership hierarchy showing who owns what.
For a specific person: `estate-planning.get_ownership_graph(person_id=X)` for transitive ownership
(A owns B owns C → A effectively owns C with computed percentage).

### Step 4: Assets

`estate-planning.list_assets` — all assets with current valuation snapshots and owners.
Use `finance-graph` valuation-observation tools when trend history is needed.
Group by:
- Type (real estate, securities, bank accounts, vehicles)
- Jurisdiction
- Owner (direct person ownership vs entity ownership)

### Step 5: Net Worth

`estate-planning.get_net_worth` — aggregated by jurisdiction and currency.
For a specific person: includes both direct and indirect (through entity) ownership.

### Step 6: Critical Dates

`estate-planning.get_upcoming_dates(days=90)` — filing deadlines, renewals, distributions, reviews.
Flag overdue items (due_date < today).

## Output Format

```
## Estate Snapshot — [Date]

### Family Members
| Name | Citizenship | Residency | Tax ID Type |
|------|-------------|-----------|-------------|

### Entities (Active)
| Entity | Type | Jurisdiction | Formation | Tax ID |
|--------|------|-------------|-----------|--------|

### Ownership Graph
[Hierarchy showing person → entity → entity → asset chains]

### Net Worth by Jurisdiction
| Jurisdiction | Currency | Value | Asset Count |
|-------------|----------|-------|-------------|

### Upcoming Critical Dates (90 days)
| Date | Type | Entity/Asset | Description |
|------|------|-------------|-------------|

### Document Gaps
[Entities or assets missing linked documents]
```

## Multi-Jurisdiction Notes

### United States
- Entities: Revocable/Irrevocable Trust, LLC, S-Corp, C-Corp, LP
- Tax IDs: SSN (people), EIN (entities)
- Key formation states: DE, WY, NV (favorable laws)
- Annual requirements: state filings, franchise tax, registered agent

### India
- Entities: HUF, Private Trust, Private Ltd, LLP
- Tax IDs: PAN (people + entities), TAN (TDS deductors)
- NRI/OCI status affects: property ownership rules, FEMA compliance, tax residency
- HUF: Karta manages, ancestral property rules apply

From hvkshetry/StewardOS, MIT.

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