2026 Wealth Cliff has arrived. TCJA provisions sunset. Estate exclusion ≈ $7,000,000.

Zentru-Lite Form Companion

Every form, field-by-field.

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

/walkthrough → Family Bank → Charter

Ready

Family Bank Charter

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

/walkthrough → LOI

Stub

Letter of Intent (LOI)

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

/walkthrough → Family Bank

Stub

Whole Life Policy Summary

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

/walkthrough → Family Bank

Stub

Policy Loan Authorization

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

/walkthrough → Family Bank

Stub

Beneficiary Designation

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

/walkthrough → Planning

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Milestone Checklist

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

/walkthrough → Capstone

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Certificate of Intent

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

/walkthrough → Reporting

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Silent Reporting Calendar

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

/walkthrough → Visualizer

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Trust Visualizer Snapshot

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

/walkthrough → Family Bank

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§7872 Family Loan Promissory Note

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

/walkthrough → Crummey

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Crummey Notice (§2503(b))

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

/walkthrough → Deed

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Trust Deed Template

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

/walkthrough → Silent

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Designated Representative Form (§44D-8A)

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

/walkthrough → Parties

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Trustee Acceptance

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

/walkthrough → Parties

Stub

Protector Appointment

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

/walkthrough → Reporting

Stub

Annual Trust Accounting

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