Platform Overview
Welcome to AdvisorOS — your comprehensive advisory intelligence platform
AdvisorOS is a suite of powerful tools designed specifically for financial advisors, RIAs, insurance professionals, and wealth planners. The platform brings together sophisticated calculators, analyzers, and planning resources in one cohesive interface.
Tool Categories
- Life Capital Analyzer — Monte Carlo simulations, tax-efficient retirement income strategies
- Estate Tax Calculator — Federal estate tax projections with portability analysis
- Policy Review Tool — Comprehensive life insurance policy analysis
- Illustration Center — Compare and analyze insurance illustrations with AI-powered PDF parsing
- Carrier & Product Intelligence — Comprehensive database of carrier products, rates, and features
- Survivorship Planner — Second-to-die life insurance analysis
- Personalized Presentations — Custom slide builder with data integration from all tools
- Financial Planning Pro — Advanced financial planning suite
- Life Planning Tool — Life insurance needs analysis with survivorship coverage
- Strategic Planning Center — Estate planning, trust strategies, and case studies
- Premium Finance Center — Premium financing strategies, calculators, and lender comparisons
- Split Dollar System Builder — Design and model split-dollar arrangements
- Planning Chart Builder — Create professional planning diagrams
- Holistic Advisory Guide — Values-based conversation frameworks
- Informal Application — Vanbridge informal insurance application
- HIPAA Authorization — Health information disclosure form
- IRC 101(j) Notice & Consent — Employer-owned life insurance forms
- IRS Form 8925 — EOLI reporting form
- VBConnect — Real-time social feed for team collaboration, sharing ideas, questions, wins, and resources
- Ask AdvisorOS AI — AI assistant for insurance and financial planning questions
- Admin Tools — User management and broadcast announcements (admin only)
- User Profiles — Customizable profiles with bio, expertise, and photo
Quick Start Guide
Get up and running in 5 minutes
Creating Your Account
Before using AdvisorOS, you'll need to create an account:
Your First Analysis
Let's walk through creating your first client analysis using the Life Capital Analyzer:
User Account & Data
Manage your account, saved work, and preferences
Account Features
- Cloud-Based Authentication — Secure Supabase authentication with encrypted credentials
- Persistent Login — Stay signed in across browser sessions
- Save/Load Work — Save analyses for each tool with names and descriptions to the cloud
- Cross-Device Access — Your saved data is accessible from any device when signed in
- Password Protection — Secure your data with your personal password
Creating an Account
New users can register directly from the login screen:
- At least 12 characters
- One uppercase letter (A-Z)
- One lowercase letter (a-z)
- One number (0-9)
- One special character (!@#$%^&*...)
Saving Your Work
Every tool with a "Save / Load" button supports cloud data storage:
Password Reset
Forgot your password? Here's how to reset it:
Logging Out
Click the "Logout" button in the user bar (top right of any page) to sign out. You'll need to sign in again on your next visit.
Your Profile
Customize your profile to be visible to teammates in VBConnect:
- Profile Photo — Upload your photo or use initials avatar
- Title/Role — Your job title or role
- Bio — A short description about yourself
- Areas of Expertise — Topics you specialize in (Estate Planning, IUL, etc.)
- LinkedIn URL — Link to your professional profile
To update your profile, click on your avatar in the toolbar and select "Edit Profile".
Life Capital Analyzer
Tax-efficient retirement income framework with Monte Carlo simulations
Open Life Capital Analyzer →Overview
The Life Capital Analyzer compares traditional retirement withdrawal strategies against the Decumulation Hedge Strategy — an approach that uses life insurance cash value to provide tax-free income during market downturns.
Key Features
Input Sections
Qualified Accounts
Enter 401(k), IRA, and other pre-tax retirement account values. These are taxed as ordinary income upon withdrawal.
Brokerage Account
Enter taxable investment account values including cost basis for capital gains calculations.
Life Insurance Policy
Configure IUL or VUL parameters including premium, death benefit, cap rate, and floor rate. The tool estimates cash value at retirement.
Client Information
Current age, retirement age, and planning horizon determine the time frames for all projections.
Retirement Income Goal
Set the target annual income in today's dollars. The tool applies inflation to calculate future income needs.
Reports
Click "Report" to access two report types:
- Decumulation Hedge Strategy Report — Client-facing document explaining the strategy with personalized projections
- Analysis Summary Report — Technical report with KPIs and detailed data for advisor review
Export & Integration
After running your analysis, you have several export options:
- Excel Export: Click the "Excel" button to download a CSV file with all analysis data
- → Presentations: Click to send all data, charts, and metrics directly to Personalized Presentations
- Report: Generate PDF reports for client delivery
Presentations Integration
When you click "→ Presentations", the following data is transferred:
- All visible charts as images (balance projections, tax comparisons, Monte Carlo distribution)
- Client information and timeline (ages, retirement year, income years)
- Assets at retirement (qualified, brokerage, total)
- Insurance/IUL data (premium, death benefit, cash value)
- Strategy comparison results (Traditional vs Life Capital)
- Monte Carlo simulation results (success rates, median, 5th/95th percentiles)
- Year-by-year projection data
- Tax savings and balance improvement metrics
Estate Tax Calculator
Federal estate tax projections and planning strategies
Open Estate Tax Calculator →Overview
Project federal estate tax liability with current $15M per person exemption ($30M married). The tool models both single and married scenarios with portability analysis.
Key Inputs
- Current Estate Value — Total gross estate today
- Growth Rate — Expected annual appreciation
- Filing Status — Single or Married (affects exemption)
- Current Age / Life Expectancy — Determines projection timeline
- Exemption Scenario — 2026 exemption ($15M individual, $30M married)
Understanding Results
The tool displays:
- Projected estate value at life expectancy
- Applicable exemption amount
- Taxable estate (value minus exemption)
- Federal estate tax at 40% marginal rate
- Insurance need to cover tax liability
Export & Integration
After running your analysis, you have several export options:
- Excel Export: Click the "Excel" button to download a CSV file with all projection data
- → Presentations: Click to send all data, charts, and metrics directly to Personalized Presentations
- Report: Generate PDF reports for client delivery
Presentations Integration
When you click "→ Presentations", the following data is transferred:
- All visible charts as images (estate growth, tax projections, insurance benefit)
- Client information (name, age, life expectancy)
- Estate values (net worth, taxable estate)
- Tax analysis (federal tax, state tax, total tax, net to heirs)
- Insurance strategy data (death benefit, premium, net with insurance)
- Year-by-year projections (estate value, tax liability, net to heirs by year)
- Insurance projections (premium payments, cash value, death benefit by year)
Policy Review Tool
Comprehensive life insurance policy analysis and recommendations
Open Policy Review Tool →Overview
Evaluate existing life insurance policies to identify issues, opportunities, and recommendations. The tool guides you through a structured review process and generates professional reports for client delivery.
Review Categories
- Policy Basics — Type, face amount, issue date, premium
- Performance Analysis — Cash value, surrender value, policy loans
- Cost Analysis — COI charges, fees, rider costs
- Beneficiary Review — Primary, contingent, ownership structure
- Suitability Assessment — Does the policy meet current needs?
Key Features
- Structured Review Process — Guided workflow ensures thorough analysis
- Preview & Edit Data — Review and modify all data before generating reports
- Professional Reports — Generate client-ready review documents
- Recommendations Engine — Get suggested action items based on findings
- Integration — Send data to other AdvisorOS tools
Output
Generates a professional review document with findings and recommendations that can be shared with clients or used for internal documentation.
Life Insurance Illustration Center
AI-powered illustration analysis and comparison
Open Illustration Center →Overview
The Illustration Center uses AI-powered PDF parsing to extract data from carrier illustrations, allowing you to compare products side-by-side with standardized metrics. Upload illustrations directly or enter data manually.
Key Features
How to Use
Data Extracted
- Policy type, carrier, and product name
- Death benefit (face amount)
- Premium (annual, monthly, single)
- Cash value projections by year
- Guaranteed vs. illustrated values
- Index strategies and crediting rates (for IUL)
- Subaccount allocations (for VUL)
Integration
After parsing illustrations, you can send the data to other AdvisorOS tools:
- Estate Tax Calculator — Use death benefit and premium for tax analysis
- Life Capital Analyzer — Import cash value projections for retirement analysis
- Policy Review Tool — Transfer policy details for comprehensive review
- Personalized Presentations — Include comparison charts in client presentations
Survivorship Planner
Second-to-die life insurance analysis and planning
Open Survivorship Planner →Overview
Analyze survivorship (second-to-die) life insurance policies for estate planning, wealth transfer, and legacy planning. Compares premiums, death benefits, and tax implications for married couples.
Key Features
- Dual Insured Analysis — Enter information for both insureds (ages, health classes)
- Estate Tax Integration — Calculate estate tax liability and insurance coverage needs
- Premium Comparison — Compare survivorship vs. individual policy costs
- Death Benefit Analysis — Project coverage needs based on estate value growth
- Preview & Edit Data — Review and modify all data before generating reports
When to Use
- Estate tax liquidity planning for high-net-worth couples
- Wealth transfer and legacy planning
- ILIT-owned survivorship policy analysis
- Comparing survivorship vs. individual life insurance options
Carrier & Product Intelligence
Comprehensive database of life insurance carriers, products, rates, and features
Open Carrier & Product Intelligence →Overview
Access detailed information on life insurance products across all major carriers. Compare IUL, VUL, Whole Life, and specialty products with up-to-date rates, features, and competitive positioning.
Product Categories
Key Features
- Product Comparison Tables — Side-by-side comparison of cap rates, participation rates, spreads, and features
- Carrier Financial Ratings — AM Best, S&P, Moody's, and Fitch ratings for each carrier
- Index Strategy Details — Available indexes, crediting methods, and historical performance
- Product Highlights — Key differentiators and best-use scenarios for each product
- Education Resources — Product type explanations and comparison guides
IUL Comparison Data
For IUL products, the database includes:
- Number of index options available
- Cap rates (current and historical)
- Participation rates
- Floor rates (guaranteed minimum)
- Spreads and fees
- Fixed account rates
- Bonus credits and persistency bonuses
VUL Comparison Data
For VUL products, the database includes:
- Number of subaccount options
- Expense ratios
- M&E charges
- Asset-based charges
- Guarantee options (VGUL)
- Available fund families
Use Cases
- Quickly compare products across carriers for client recommendations
- Research product features before requesting illustrations
- Educate clients on product differences and trade-offs
- Stay current on market rates and carrier positioning
- Support due diligence documentation
Personalized Presentations
Interactive client presentations with custom builder and data integration
Open Personalized Presentations →Overview
Create professional, interactive presentations for clients. Choose from built-in templates, use the Custom Builder to create from scratch, or import data directly from other AdvisorOS tools. Features drag-and-drop components, editable tables, and a data panel with charts.
Two Ways to Create Presentations
1. Use a Template
Click Team Presentations in the header and choose from built-in templates: Couples Retirement & Legacy, Tax-Free Retirement Income, Flexible Accumulation, or Custom Strategy Review.
2. Custom Builder (New)
Click the Custom Builder button in the sidebar to start with a blank presentation and build it yourself using drag-and-drop components.
Custom Builder
The Custom Builder gives you full control over your presentation layout and content.
Component Library
Click the Components button on the left edge to open the component library. Available components:
Text Elements
- Title: Large heading text
- Subtitle: Secondary heading
- Paragraph: Body text block
- Bullet List: Bulleted points
- Callout Box: Highlighted text with gold border
Data Elements
- Metric Card: Single KPI display
- Metrics Row: Four metrics in a row
- Data Table: Editable table with add/remove row and column buttons
- Comparison: Side-by-side comparison boxes
Layout Elements
- Two Columns: 50/50 split layout
- Three Columns: 33/33/33 split layout
- Card: Boxed content area with shadow
- Divider: Horizontal line separator
- Spacer: Vertical spacing
Pre-built Slides
- Cover Slide: Title page template
- Executive Summary: Key metrics overview
- Comparison Slide: Two strategies compared
- Data Table Slide: Projections table
- Disclosures: Legal disclaimers
Data Panel (Data, Charts & Tables Tabs)
Click the Data button on the right edge to open the data panel. It has three tabs:
Data Tab
Shows all numerical values and metrics from imported tools, organized by section:
- Client information (name, age, etc.)
- Estate values and tax analysis
- Strategy comparison results
- Monte Carlo simulation results
- Year-by-year projection summaries
Click any value to copy it to clipboard, then click a table cell to paste.
Charts Tab
Shows all captured charts and graphs from source tools:
- Large preview images of each chart
- Chart title and source tool name
- Count of total available charts
Click any chart to insert it directly into your presentation.
Tables Tab
Shows all available spreadsheets and projection tables:
- Estate projections (year, age, estate, tax, net to heirs)
- Retirement projections (traditional vs life capital balances)
- Strategy year-by-year data (balances, taxes, withdrawals)
- Comparison tables and insurance illustrations
Click "Insert Full Table" to add the entire table to your presentation, or click individual cells to copy values.
Editable Tables
All data tables in presentations are fully interactive:
- Edit Cells: Click any cell to edit its content directly
- Add Row: Hover over a table to see the + Row button
- Remove Row: Click − Row to remove the last row
- Add Column: Click + Col to add a new column
- Remove Column: Click − Col to remove the last column
- Tab Navigation: Press Tab to move between cells
- Enter to Save: Press Enter to save and exit edit mode
Tool Integration
Import data directly from other AdvisorOS tools:
From Estate Tax Calculator
- Run your analysis in Estate Tax Calculator
- Click the → Presentations button in the header
- Personalized Presentations opens with your data loaded
- All charts, metrics, and projections are available in the Data panel
From Life Capital Analyzer
- Run your analysis in Life Capital Analyzer
- Click the → Presentations button in the header
- Personalized Presentations opens with your data loaded
- Monte Carlo results, strategy comparisons, and charts are available
Color & Highlight Tools
When using the Custom Builder, the toolbar provides styling options:
- Color Palette: Navy, Dark Gray, Gray, Light Gray, White, Gold, Green, Blue
- Highlights: Yellow, Gold, Green, Blue backgrounds
- Clear Highlight: Remove any applied highlight
Select an element first, then click a color or highlight to apply it.
Element Controls
When you click any element in Custom Builder mode, controls appear:
- ↑ Move Up: Move element higher in the slide
- ↓ Move Down: Move element lower in the slide
- × Delete: Remove the element from the slide
View Modes
Slides View
Traditional presentation slides optimized for printing. Includes cover slide, background, individual plans, combined analysis, and disclosure.
Chart View
Interactive line chart showing Account Value, Death Benefit, and Total Premiums over time. Automatically updates as you change values.
Dashboard View
eMoney-style professional dashboard with metric cards, progress bars, milestones timeline, and an interactive data table where you can edit any cell.
Slide Layouts
Choose between three layout formats for your presentation slides:
Letter Landscape
11" × 8.5" horizontal format, optimized for standard paper printing in landscape. Best for client handouts and physical documents with wider content.
Letter Portrait
8.5" × 11" vertical format, optimized for standard paper printing in portrait. Best for documents with longer text content and traditional report layouts.
Widescreen (16:9)
Standard presentation aspect ratio, optimized for screen display. Best for projectors, screen shares, and digital presentations.
Switch layouts using the layout toggle buttons in the sidebar. Your content automatically adjusts to fit the selected format.
Export Options
Export your presentation in multiple formats:
- PDF Document: Best for printing and sharing
- PowerPoint (PPTX): Editable slides for further customization
- Word (DOCX): Document format for reports
Saving & Sharing
- Your Presentation Vault: Save presentations to your personal cloud storage
- Team Presentations: Share presentations with your team by checking "Share with team" when saving
- Clear All: Reset everything and start fresh
2. Click "→ Presentations" to send data
3. Click "Custom Builder" to start fresh
4. Drag a Title, Metrics Row, and Data Table onto slide
5. Open Data panel, click Charts tab
6. Click a chart to insert it
7. Click Data tab, click values to copy into your table
8. Export as PDF for client delivery
Financial Planning Pro
Advanced financial planning suite
Open Financial Planning Pro →Overview
Comprehensive financial planning tool covering retirement projections, Social Security optimization, estate planning, and income planning strategies. Uses 2026 tax figures and exemptions.
Modules
- Retirement Projections — Asset accumulation and decumulation modeling
- Income Planning — Withdrawal sequencing and tax optimization
- Social Security — Claiming strategy analysis
- Estate Planning — Estate tax projections using current $15M/$30M exemptions
- Gap Analysis — Income need vs. projected resources
Key Features
- Preview & Edit Data — Review and modify all inputs before generating reports
- Multi-State Tax — Federal and state tax calculations
- Integration — Send data to Personalized Presentations and other tools
- Professional Reports — Generate comprehensive financial plans
Life Capital Planning Tool
Comprehensive life insurance planning suite
Open Life Planning Tool →Overview
A comprehensive life insurance needs analysis tool that calculates coverage requirements for individuals and families. Analyzes income replacement, debt payoff, education funding, and survivorship scenarios.
Key Features
- Income Replacement Calculator — Calculate coverage needed to replace income for a specified number of years
- Debt Analysis — Include mortgage, loans, and other obligations in coverage needs
- Education Funding — Factor in children's education expenses
- Final Expenses — Include funeral and estate settlement costs
- Present Value Calculations — Uses 2.5% inflation and 4% discount rate
Survivorship Coverage Analysis
The tool provides dual-scenario analysis:
- If Client Passes — How much coverage does the spouse need?
- If Spouse Passes — How much coverage does the client need?
- Total Family Coverage — Combined recommendation for the household
Inputs
- Client and spouse annual income
- Years of coverage needed
- Number of children and ages
- Mortgage balance and other debts
- Education cost per child
- Existing life insurance coverage
Strategic Planning Center
Estate planning, trust strategies, and case studies
Open Strategic Planning Center →Overview
A comprehensive resource hub for estate planning strategies, trust types, and real-world case studies. Use this for education and client presentations. Updated with 2026 estate exemptions ($15M/$30M permanent under OBBBA).
Sections
- Overview — Why estate planning matters, key concepts
- Calculators — Built-in calculation tools for estate tax, gifting, and trust projections
- Strategies — Investment allocation, estate planning approaches, POLI strategies
- Trust Types — ILIT, SLAT, GRAT, QPRT, CRT, and more explained
- Case Studies — Real-world examples with outcomes
- Education — Learning resources and training materials
- Forms — Related documentation
Key Features
- Preview & Edit Data — Review and modify client data before generating reports
- Interactive Calculators — Model different strategies with instant results
- Professional Reports — Generate Strategic Financial Plans for clients
- Integration — Send data to Personalized Presentations
Split Dollar System Builder
Design and analyze split-dollar arrangements
Open Split Dollar Builder →Overview
Configure and model split-dollar life insurance arrangements with guidance on tax regimes, ownership structures, and plan designs.
Configuration Options
Tax Regime
- Economic Benefit Regime — Table 2001 taxation for employer-provided insurance benefit
- Loan Regime — AFR interest imputation for below-market loans
Ownership Structure
- Endorsement Method — Employer owns policy, endorses portion to employee
- Collateral Assignment — Employee or ILIT owns policy, employer has security interest
Plan Design
- Equity Split Dollar — Employee builds cash value equity
- Non-Equity Split Dollar — Employer retains all cash value
- Private Split Dollar — Family/estate planning applications
Rate Options
- IRS Table 2001 — Default rates for economic benefit calculations
- Carrier Term Rates — Use lower carrier-specific rates when available
- Joint Life (Greenberg) — For survivorship policies: (Rate1 × Rate2) / 1000 × 1.025
Joint Life (Survivorship) Policies
For second-to-die policies, check the "Joint Life (Survivorship) Policy" checkbox and enter the second insured's age. The tool automatically applies Greenberg rates:
Greenberg Formula: (Table 2001 Rate for Insured 1) × (Table 2001 Rate for Insured 2) / 1000 × 1.025
Sections
- Overview & Education — Learn split-dollar fundamentals
- Client Setup — Enter executive, employer, and policy details
- Analysis & Modeling — Build and calculate arrangements
- Case Studies — See real-world applications
- Forms & Documentation — Required paperwork
- Legal & Compliance — Regulatory considerations
Planning Chart Builder
Create professional planning diagrams and charts
Open Chart Builder →Overview
Generate visual diagrams for client presentations including entity structures, flow charts, and planning concepts. Perfect for illustrating complex strategies in a clear, visual format.
Chart Types
- Entity Structure Charts — Show relationships between trusts, LLCs, corporations, and individuals
- Flow Charts — Illustrate money movement, premium flows, and benefit distributions
- Organizational Charts — Business ownership and management structures
- Timeline Charts — Planning phases and milestone projections
- Comparison Charts — Side-by-side strategy comparisons
Common Use Cases
- ILIT ownership structure with premium gift flow
- Split dollar arrangement diagrams
- Business succession planning visuals
- Trust structure illustrations (SLAT, GRAT, CRT)
- Estate planning flowcharts
Customization
- Add custom labels and annotations
- Choose from multiple color schemes
- Export as image for presentations
- Send directly to Personalized Presentations
Holistic Advisory Guide
Values-based client conversation framework
Open Holistic Advisory Guide →Overview
A structured framework for conducting deeper client conversations that uncover values, goals, and priorities beyond just the numbers. This guide helps advisors move beyond transactional relationships to become trusted partners in their clients' financial lives.
Framework Components
- Discovery Questions — Organized by life area (family, career, health, legacy)
- Values Identification — Exercises to uncover what truly matters to clients
- Goal Prioritization — Tools for ranking and organizing client objectives
- Sensitive Topics — Conversation guides for discussing mortality, family dynamics, and money
- Follow-up Templates — Action items and meeting summaries
Conversation Topics
When to Use
- Initial discovery meetings with new clients
- Annual review conversations
- Major life transitions (retirement, death of spouse, inheritance)
- When clients seem disengaged or transactional
Informal Application
Vanbridge informal insurance application
Open Informal Application →Overview
Digital informal application for gathering preliminary client information before formal underwriting. Streamlines the intake process.
Information Collected
- Personal information (name, DOB, contact)
- Coverage requested
- Health history overview
- Financial information
- Beneficiary designations
IRC 101(j) Forms
Employer-owned life insurance compliance documentation
Open 101(j) Notice & Consent →Overview
IRC Section 101(j) requires employers to obtain written consent from employees before purchasing life insurance on their lives. These forms ensure compliance.
When Required
Employer-owned life insurance (EOLI) policies require:
- Written notice to employee that employer intends to insure their life
- Maximum face amount that may be issued
- Employee consent (signature)
- Notice that employer will be beneficiary
Related Forms
- IRS Form 8925 — Annual reporting of employer-owned life insurance contracts
HIPAA Authorization
Health information disclosure authorization form
Open HIPAA Form (PDF) →Overview
The HIPAA Authorization form allows insurance companies and medical providers to share protected health information (PHI) for underwriting purposes. This form must be signed by the proposed insured before medical records can be obtained.
When Required
- New life insurance applications requiring medical underwriting
- Policy conversions or upgrades requiring health verification
- Accelerated underwriting programs that access medical databases
- Any situation where the carrier needs to access medical records
Key Elements
- Authorization Period — Typically valid for 24 months from signature date
- Scope of Information — Types of medical records that can be accessed
- Right to Revoke — Client can revoke authorization in writing
- Recipients — Who can receive the health information
Generating Reports
Create professional client-ready documents
Report Types
AdvisorOS tools offer two types of reports when you click the Report button:
Client presentations include:
- Branded cover page with client name and date
- Executive summary with key findings
- Detailed analysis pages with metrics and charts
- Recommendations and next steps
- Print-optimized formatting
Advisor reports include:
- Key Performance Indicators (KPIs) bar
- Data tables from the analysis
- Charts and visualizations
- Technical details for case documentation
Tools with Client Reports
- Life Capital Analyzer — Decumulation Hedge Strategy Report
- Estate Tax Calculator — Estate Planning Presentation
- Policy Review Tool — Policy Review Presentation
- Illustration Center — Illustration Comparison Report
- Survivorship Planner — Survivorship Insurance Report
- Strategic Planning Center — Strategic Financial Plan
- Premium Finance Center — Premium Finance Analysis Report
- Split Dollar System Builder — Split Dollar Arrangement Report
- Financial Planning Pro — Comprehensive Financial Plan
- Life Planning Tool — Life Insurance Needs Analysis
How to Generate
Export Options
Save and share your work
PDF Export
All reports can be saved as PDF using your browser's print function. Select "Save as PDF" as the printer destination.
Reports are formatted for clean printing on standard letter-size paper.
Data Persistence
With the new Supabase authentication system, your data is now saved to the cloud. Sign in to access your saved work from any device.
- Save and load tool data with the Save/Load toolbar
- Generate and save reports as PDFs
- Access your data from any device when signed in
VBConnect Social Feed
Collaborate and share insights with your team
VBConnect is a real-time social feed built into AdvisorOS that allows team members to share ideas, ask questions, celebrate wins, and share resources. It's designed for teams of financial advisors who want to stay connected and learn from each other.
Accessing VBConnect
Click the VBConnect tab on the right side of any page in AdvisorOS. The panel slides in from the right, showing the latest posts from your team.
Post Types
Creating a Post
Real-Time Updates
Live Sync: VBConnect uses real-time syncing. When someone posts, likes, or comments, you see it instantly without refreshing. Everyone on the team sees the same feed.
Interactions
- Like: Click the heart icon to like a post. The count updates for everyone.
- Comment: Click the comment icon to add your thoughts. Comments appear in real-time.
- Filter: Use the filter pills (All, Ideas, Questions, Wins, Resources) to focus on specific post types.
- View Profile: Click on a user's avatar to see their profile and expertise.
Your Profile
Your VBConnect profile is synced with your AdvisorOS user profile. Update your profile to add:
- Profile photo
- Title/role
- Bio
- Areas of expertise
- LinkedIn profile link
Ask AdvisorOS AI
Get instant answers about insurance and financial planning
Ask AdvisorOS is an AI-powered assistant trained on life insurance, estate planning, executive benefits, and financial advisory topics. It can help you understand complex concepts, draft client communications, and find answers quickly.
Accessing the AI
From the AdvisorOS dashboard, click the "Ask AdvisorOS" button in the Ideas section to open the AI chat interface.
What You Can Ask
Example Questions
- "Explain the difference between Economic Benefit and Loan Regime for split dollar"
- "What are the Table 2001 rates for a 55-year-old?"
- "Help me explain IUL to a client who is concerned about market risk"
- "What questions should I ask when reviewing an existing life insurance policy?"
- "Draft an email introducing life insurance planning to a business owner"
Admin Tools
Platform administration for authorized users
Admin Tools provide authorized administrators with the ability to manage users, send announcements, and monitor platform activity. Access is restricted to admin accounts.
Accessing Admin Tools
From the dashboard header, click the Admin badge (visible only to admin accounts) or navigate to the Admin Tools page directly.
User Management
View and manage all registered users:
- User List: See all users with their email, name, role, and registration date
- Delete Users: Remove users from the platform (requires confirmation)
- Password Reset: Send password reset emails to users
Broadcast Messages
Send announcements to all users that appear as slide-in notifications:
Active Broadcasts
View, pause, or delete active broadcast messages. The status shows whether each broadcast is active, paused, or expired.
Note: Admin access is controlled by email address. Contact your system administrator to request admin privileges.
Release Notes
What's new in AdvisorOS
Version 26.36.1 — January 14, 2026
🔒 Security Hardening Release
Enterprise Security Upgrade
Major security enhancements for BD/FINRA compliance.
- SOC 2 Type II Authentication: Upgraded to industry-leading secure authentication infrastructure
- Multi-Factor Authentication: MFA now available for all users (TOTP/Google Authenticator)
- Session Timeout: Automatic 15-minute idle logout with 2-minute warning
- Strong Password Requirements: Now requires 12+ characters with uppercase, lowercase, numbers, and special characters
- Security Headers: Added HSTS, X-Frame-Options, XSS protection, and more
- Audit Logging: All user actions now logged for compliance
- Encrypted Data: All data encrypted in transit (TLS) and at rest (AES-256)
Improved Auto-Update
- Smarter Refresh: Pages automatically update when new versions are deployed
- Loop Prevention: New mechanism prevents refresh loops during updates
Help Center Update
- New Security Section: Full documentation of security features
- Password Guide: Clear explanation of new password requirements
- MFA Setup Guide: Step-by-step instructions for enabling two-factor auth
Version 26.33.88 — January 11, 2026
Previous Release
Presentation Layout Options
- Letter Landscape: 11" × 8.5" horizontal format for wider content
- Letter Portrait: 8.5" × 11" vertical format for traditional documents (restored)
- Widescreen: 16:9 standard presentation format for screens
Help Center Update
- All Tools Documented: Comprehensive documentation for every tool in the platform
- New Tool Sections: Carrier & Product Intelligence, Premium Finance Center
- Updated Tax Information: 2026 OBBBA figures throughout
Version 26.33.86 — January 11, 2026
Previous Release
🆕 2026 Tax Law Update
Comprehensive update reflecting One Big Beautiful Bill Act (OBBBA) and 2026 tax figures.
- Federal Estate Exemption: Updated to $15M individual / $30M married (permanent, inflation-indexed)
- OBBBA Permanent Exemption: No sunset — exemption now permanent with annual inflation adjustments
- State Estate Tax Exemptions: Updated CT ($15M), NY ($7.35M), ME ($7M), DC ($4.87M), RI ($1.80M), WA ($3M at 35%)
- Annual Gift Exclusion: $19,000 per person (unchanged from 2025)
- All Tools Updated: Estate Tax Calculator, Planning Pro, Life Planning Tool, Strategic Planning Center, Premium Finance Center, Help Center
Version 26.33.62 — January 10, 2026
Previous Release
🆕 VBConnect Social Feed
New team collaboration feature built into AdvisorOS.
- Real-Time Updates: Posts, likes, and comments sync instantly across all users - no refresh needed
- Post Types: Share Ideas, Questions, Wins, and Resources with your team
- Topics & Filtering: Tag posts with topics (Estate Planning, Split Dollar, IUL, etc.) and filter the feed
- User Profiles: View teammate profiles with bio, expertise, and LinkedIn links
- Comments & Likes: Engage with posts through comments and likes
- Supabase-Powered: All data synced to cloud - accessible from any device
- Panel Interface: Slides in from right side of screen, accessible from any page
🆕 Admin Broadcast System
- Slide-In Announcements: Send messages that appear on all user screens
- Scheduling: Set start date, time, and frequency (once, daily, weekly)
- Expiration: Set optional end dates for recurring broadcasts
- Management: View, pause, or delete active broadcasts
Split Dollar — Joint Life Support
- Survivorship Policies: New checkbox for Joint Life (Survivorship) policies
- Greenberg Rates: Automatic calculation using formula: (Rate1 × Rate2) / 1000 × 1.025
- Second Insured Age: Input field for second insured when joint life is selected
- Updated Projections: Year-by-year tables show both ages and joint life rates
- Removed P.S. 58: Outdated P.S. 58 reference removed - now shows "Table 2001 taxation" only
Mobile & Authentication Fixes
- iOS Login Fixed: Resolved "loginUserAsync is not a function" error on mobile devices
- Better Error Messages: Clearer error messages for network issues and rate limiting
- Profile Sync: User names and avatars now display correctly in VBConnect
UI Improvements
- VBConnect Tab: Gold highlight and "Close" text when panel is open
- Sky Blue Close Button: High-contrast close button in VBConnect panel
- Dynamic User Display: Create Post modal shows logged-in user's name and avatar
Version 26.33.12 — January 9, 2026
Previous Release
Preview & Edit Data Feature — All Tools
New "Preview & Edit Data" feature added to all major tools, allowing you to review and modify report data before generating reports or presentations.
- Life Capital Analyzer: Edit key metrics (Qualified, Brokerage, IUL Cash, Death Benefit, Premium, Income Goal) and projection table data with Add/Remove row controls
- Estate Tax Calculator: Full projection table editing with add/remove rows and individual row deletion
- Life Insurance Illustration Center: Edit parsed illustration data including cash values and death benefits per year
- Life Insurance Policy Review Tool: Edit client, insured, carrier, policy type, death benefit, cash value, and premium
- Strategic Planning Center: Edit client info, ages, income, assets, and retirement goals
- Split Dollar System Builder: Edit employee info, death benefit, premium, and company details
- Insurance Portfolio Report: Edit all policy and client information before printing
- Survivorship Planner: Edit both persons' info, death benefit, premium, and estate value
Life Planning Tool — Enhanced Spousal Coverage Analysis
- Years of Coverage Input: New field to specify how many years of income replacement coverage is needed (default: 20 years)
- Renamed Income Fields: "Client's Annual Income" and "Spouse's Annual Income" for clarity
- Survivorship Coverage Analysis: New teal gradient card showing:
- "IF CLIENT PASSES" — calculates spouse's coverage need (income replacement + debts)
- "IF SPOUSE PASSES" — calculates client's coverage need
- Total Family Coverage recommendation
- Present Value Calculations: Income replacement uses 2.5% inflation and 4% discount rate for accurate present value
Unified Toolbar — Completed Rollout
- Consistent Design: All 13 tools now feature the unified two-row toolbar design
- Top Row: AdvisorOS logo | Tool Name | User Display | Back | Dashboard
- Action Row: Save/Load | Tool-specific buttons | Report | → Presentations (gold)
- Life Capital Analyzer: Includes side tabs for Run Comparative and Monte Carlo quick actions
Personalized Presentations — Appendix Pages
- Appendix Support: Added appendix page generation for detailed supporting information
- Enhanced Page Layouts: Improved formatting for all presentation page types
Version 26.28.0 — January 8, 2026
Previous Release
Estate Tax Calculator Improvements
- Tax Equiv Fixed: Tax equivalent return now correctly uses illustration data when available (premium, years, death benefit from illustration)
- Age Selection: New "Show To Age For" dropdown - choose which person's age to use for life expectancy projections (Older, Younger, Person 1, Person 2)
- Editable Tables: Click "Edit Table" to modify projection values directly
- Add/Remove Rows: New + Row and − Row buttons to customize projection length
Version 26.27.0 — January 8, 2026
Previous Release
Save/Load System Fixed
- No Login Required: Save and load now works without requiring login
- Local Storage: Data saves to your browser's local storage
- All Tools: Estate Tax, Life Capital, and all other tools now save properly
Split Dollar System Builder — Major Update
- Corrected Table 2001 Rates: Updated to use correct IRS Table 2001 rates (e.g., age 55 = $4.15, age 70 = $20.62 per $1,000)
- Carrier-Specific Rates: New option to use carrier term rates instead of Table 2001 when lower rates are available
- Manual Rate Entry: Enter carrier rates manually for each age, or paste rates from illustration
- Net Death Benefit Calculation: Economic benefit now correctly calculated on NET death benefit (Gross DB minus greater of cumulative premiums or cash value)
- Enhanced Projection Table: New columns showing Rate/$1K, Employer Interest, and Net DB for each year
Version 26.26.0 — January 7, 2026
Previous Release
Auto-Update Notifications
- Live Version Check: The site now polls for updates every 30 seconds
- Automatic Banner: When a new version is deployed, the update banner appears automatically - no page refresh needed
- Tab Focus Check: Also checks for updates when you switch back to the tab
Custom Presentation Builder
- Build From Scratch: New "Custom Builder" button starts a blank presentation you design yourself
- Component Library: Drag-and-drop components including titles, paragraphs, bullet lists, callout boxes, metric cards, data tables, comparisons, and layout elements
- Pre-built Slides: Drag complete slide templates (Cover, Executive Summary, Comparison, Data Table, Disclosures)
- Color Palette: Apply colors from brand palette (Navy, Gray, White, Gold, Green, Blue)
- Highlight Tools: Add Yellow, Gold, Green, or Blue background highlights to any element
- Element Controls: Move elements up/down or delete with one click
Data Panel with Three Tabs
- Data Tab: All numerical values and metrics organized by section
- Charts Tab: All captured charts and graphs with large previews and source labels
- Tables Tab: Full spreadsheets and projection tables with "Insert Full Table" button
- Click to Insert: Click any value, chart, or table to insert it into your presentation
Tool → Presentations Integration
- Estate Tax Calculator: "→ Presentations" button sends all charts, metrics, and projections
- Life Capital Analyzer: "→ Presentations" button sends Monte Carlo results, strategy comparisons, and all charts
- Chart Capture: All visible charts captured as images
- Table Data: Year-by-year projections transfer correctly to Tables tab
- Excel Export: Both tools have Excel export buttons for CSV download
Editable Tables
- Add/Remove Rows: Click "+ Row" or "− Row" buttons
- Add/Remove Columns: Click "+ Col" or "− Col" buttons
- Tab Navigation: Press Tab to move between cells
- Direct Editing: Click any cell to edit its content
Save/Load System
- Local Storage Saves: Save and load tool data directly in your browser
- No Login Required: Save functionality works without requiring login
- All Tools Supported: Estate Tax, Life Capital, and all other tools have Save/Load
Version 26.11.0 — January 7, 2026
Earlier Today
Personalized Presentations — Major Interactive Update
- All Icons Removed: Clean, icon-free interface throughout Personalized Presentations
- Wider Data Panel: 400px wide panel with better chart previews
- Improved Data Organization: Data sections with gold accent borders and clear hierarchy
Version 26.11.0 — January 7, 2026
Previous Release
Personalized Presentations — Major Interactive Update
- Interactive Controls Bar: New toolbar appears when a template is selected with year intervals, projection years, and view toggles
- Year Display Options: Show years every 1, 5, or 10 years, or show all years in projections
- Projection Years: Extend or shorten projections from 10 to 30 years
- Multiple View Modes: Toggle between Slides, Chart, Dashboard, or All views
- Real-Time Sliders: Adjust Illustrated Rate, Pay Years, Annual Premium, and Death Benefit with instant updates
- Interactive Chart: Chart.js-powered line chart showing Account Value, Death Benefit, and Total Premiums
- eMoney-Style Dashboard: Professional dashboard with metric cards, progress bars, milestones timeline, and interactive data table
- Editable Everything: Click any value in the presentation to edit inline — names, ages, premiums, rates, badges
- Editable Table Cells: Click cells in tables to modify values directly
UI Refinements
- Icons Removed: All emojis and icons removed throughout the presentation tool for cleaner look
- Editable Draft Badge: Click the "Draft – For Discussion Purposes Only" badge to customize text
- Clear All Reset: Clear All button now fully resets to empty state with "No Presentation Selected" message
- Default Names Changed: Generic placeholders (Spouse 1, Spouse 2, Insured) instead of sample names
- Template Selection Required: Presentation preview hidden until user selects a template
Team Presentations Restructured
- Built-in Templates: Four templates by Tom Bellig, JD always available — Couples Retirement & Legacy, Tax-Free Retirement Income, Flexible Accumulation, Custom Strategy Review
- Team Shared Section: User-shared presentations appear separately below built-in templates
- Works Without Login: Built-in templates available even when Supabase is unavailable
- Simplified Sidebar: Template cards removed; users select from Team Presentations dropdown
Supabase & Technical Fixes
- Supabase Exports Fixed: Proper module exports for auth, db, onAuthStateChanged, and Firestore functions
- Firestore Rules Updated: Collection queries now work properly for presentations and team_presentations
- Cache-Busting Headers: Aggressive no-cache headers added to netlify.toml for HTML/JS/CSS
- Version Bump: Updated to v26.11.0 to trigger fresh update notification
Version 26.10.48 — January 6, 2026
Previous Release
Professional Client Reporting System
- Client Presentations: Multi-page professional reports with cover pages, executive summaries, and recommendations
- Report Menu: Choose between Client Presentation or Advisor Report when clicking Report button
- Tool-Specific Reports: Each tool generates customized reports with relevant KPIs and analysis
- Print-Optimized: Reports designed for clean PDF export via browser print
Tools with Client Reports: Life Capital Analyzer, Estate Tax Calculator, Policy Review Tool, Illustration Center, Survivorship Planner, Strategic Planning Center, Premium Finance Center, Split Dollar System Builder
Comprehensive Mathematical Audit
- 26 Calculation Tests Passed: All financial formulas verified across 15 tools
- Verified Calculations: RMD factors, compound growth, inflation adjustments, IUL floor/cap logic, capital gains tax, federal/state estate tax, IRR calculations, Table 2001 split dollar, Monte Carlo simulations
- Zero Errors Detected: Full audit completed with all tests passing
HIPAA Form Update
- Revised December 2025: Updated authorization form with expanded insurer/agency list
- Digital Signature Ready: Includes signature fields for electronic completion
Version 26.10.21 — January 2026
Earlier Release
User Authentication System
- Supabase Integration: Secure cloud-based authentication replacing localStorage
- User Registration: Create accounts with name, email, company, and password
- Password Reset: Self-service password reset via email
- Persistent Sessions: Stay logged in across browser sessions
- Admin Panel: User management for administrators
Cloud Save System
- Save/Load Toolbar: Save your work to the cloud from any tool
- Multiple Saves: Create and manage multiple saved configurations per tool
- Cross-Device Access: Access your saved data from any device when signed in
- Auto-Sync: Data automatically synced to Supabase Firestore
Tool Integration
- Send to Tools: Transfer data between tools seamlessly
- Illustration Analyzer integrations: Policy Review, Compiler, Portfolio Report, Life Capital, Estate Tax, Financial Planning Pro
Version 26.9.x — December 2025
Initial Release
Platform Launch
- Life Insurance Illustration Analyzer with AI-powered PDF parsing
- Illustration Compiler for multi-policy presentations
- Insurance Portfolio Report Generator
- Life Capital Income Analyzer
- Estate Tax Calculator with projections
- Policy Review Tool
- Financial Planning Pro
- Life Capital Planning Tool
- Strategic Planning Center
- Split Dollar System Builder
- Planning Chart Builder
- Holistic Advisory Guide