Security, data and compliance in Wealth Transfer & Estate Visualization

How Wealth Transfer & Estate Visualization protects data and supports your compliance obligations.

Security controls

Single sign-on

Firm staff sign in through your identity provider, so your password and multi-factor policies apply.

Family-level access

Each person's access is limited to the families and materials they are assigned or invited to.

Encryption and keys

Client data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.

Complete audit trail

Every view, change, release and export is logged with the person and time, and cannot be edited.

Data residency

Data stays in the hosting region you choose: the United States, the United Kingdom or Australia.

Tested releases

Every release passes security testing gates before it ships, and a software bill of materials is maintained for the product.

Requirements it supports

• Internal Revenue Code Section 2702 (grantor retained annuity trusts)
• Internal Revenue Code Section 2522(c)(2)(B) and Treasury Regulation 25.2522(c)-3 (charitable lead annuity trusts)
• Internal Revenue Code Section 7520 (valuation tables and interest rates)
• Federal estate, gift and generation-skipping transfer taxes (Internal Revenue Code Chapters 11, 12 and 13)
• SEC Marketing Rule (17 CFR 275.206(4)-1), for illustrations shared by investment advisers
• Regulation S-P (17 CFR Part 248), privacy of consumer financial information

The product supports these requirements; meeting them remains your organization's responsibility.

Where it runs

• Moraph cloud: Hosted and operated by Moraph in the United States region. United Kingdom and Australia regions are available for firms outside the US.
• Dedicated environment: A single-tenant environment for firms or family offices whose policies require isolation, scoped in the proposal.
• Branded family view: The family view can carry your firm's name and domain.

Limitations

• The product does not give legal, tax or investment advice. Strategies are modeled for discussion; the family's attorneys and tax advisers decide what is appropriate.
• Projections depend on the assumptions entered and are illustrations, not predictions or guarantees of future values or tax outcomes.
• It does not draft trust instruments or other legal documents; it records the terms your team summarizes from them.
• Tax calculations cover US federal estate, gift and generation-skipping transfer taxes. State estate and inheritance taxes and taxes in other countries are not modeled.
• Exemption amounts and rates are entered by your team or loaded from published tables; your tax analyst confirms them.
• It does not prepare or file gift or estate tax returns.
• Values are only as current as the custodial and portfolio data you connect; assets held elsewhere must be entered manually.
• It is not a trust accounting system and does not process trust distributions or payments.