2026 Wealth Cliff has arrived. TCJA provisions sunset. Estate exclusion โ‰ˆ $7,000,000.

Zentru-Lite Form Companion

Every form, field-by-field.

Companion to zentru-lite.lovable.app. We don't submit your form โ€” you still fill the real one in Zentru-Lite. Here every field is explained twice with citations and common mistakes.

/walkthrough โ†’ Family Bank โ†’ Charter

Ready

Family Bank Charter

The constitution of your Insurance-Funded Family Bank โ€” sets minimum rate, approved purposes, terms, and default remedy.

/walkthrough โ†’ LOI

Stub

Letter of Intent (LOI)

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Family Bank

Stub

Whole Life Policy Summary

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Family Bank

Stub

Policy Loan Authorization

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Family Bank

Stub

Beneficiary Designation

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Planning

Stub

Milestone Checklist

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Capstone

Stub

Certificate of Intent

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Reporting

Stub

Silent Reporting Calendar

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Visualizer

Stub

Trust Visualizer Snapshot

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Family Bank

Stub

ยง7872 Family Loan Promissory Note

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Crummey

Stub

Crummey Notice (ยง2503(b))

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Deed

Stub

Trust Deed Template

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Silent

Stub

Designated Representative Form (ยง44D-8A)

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Parties

Stub

Trustee Acceptance

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Parties

Stub

Protector Appointment

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.

/walkthrough โ†’ Reporting

Stub

Annual Trust Accounting

Coming soon โ€” full field-by-field walkthrough with Academic + ELI5 explanations and IRS / statute citations.