Deterministic estate compliance for banks, HR teams, and Indigenous governments.
Centralize estate calculations with transparent, defensible logic your compliance and governance teams can rely on.
ENTERPRISE SNAPSHOT
What enterprise teams see in RiGEL.
- Multi-jurisdiction estate event (Canada, U.S., and treaty logic)
- Deterministic audit trail down to each rule and assumption
- Cross-border treaty logic applied consistently every time
- Minutes to full validation and audit-ready outputs
Every number traceable back to CRA/IRS rules and documented logic.
Why enterprise teams choose RiGEL
Deterministic engine, not simulations
Every calculation follows a defined rule path. No Monte Carlo randomness. No hidden assumptions.
Audit-ready by design
RiGEL generates human-readable traces showing rule references, intermediate values, and final outcomes.
Oversight and governance tools
Role-based access, activity logging, and versioned rulesets give compliance full visibility.
Enterprise-grade client experience
Consistent clarity across your entire organization. Whether serving high-net-worth families, Indigenous clients, or cross-border households, RiGEL ensures consistent, transparent estate explanations across every branch and advisor.
Support for Indigenous governance
Built-in support for Section 87 logic, treaty tie-breakers, and multi-jurisdiction estates — with full traceability for governance offices.
One engine. Consistent outcomes.
Eliminate inconsistent spreadsheet models and ad-hoc advisor workflows. RiGEL produces the same results across your entire organization. Enterprise-controlled scenario modeling. Compliance teams can define which scenarios advisors may run, ensuring consistent modeling across divisions. Advisors receive clear outputs to present directly to households.
Built for compliance and governance.
Version-controlled rules, audit-ready traces, and complete visibility into advisor workflows. Executor support that reduces enterprise liability. Organizations can provide executors with deterministic, step-by-step summaries supported by legislative references — reducing settlement errors and review demands.
Deployable across teams and regions.
Support multi-jurisdiction estates, cross-border scenarios, Section 87 cases, and Indigenous governance requirements—all with traceable logic. Secure portals for every household you serve. Enterprise teams can provide households with access-controlled, read-only summaries that improve clarity and reduce advisor support load.
Scaling complexity
Cross-border estates
Dual-citizen beneficiaries, U.S. filings, foreign assets, treaty tie-breakers—modeled deterministically.
Section 87 + Indigenous-specific cases
Explicit, rules-based handling with a clear audit path.
Multi-jurisdiction estates
Provincial differences in probate, tax impacts, and fairness outcomes handled consistently. Prevent disputes before they escalate. Large organizations can standardize fairness modeling across advisors, reducing escalations, disputes, and compliance review cycles.
Compliance logs + deterministic validation
Built for compliance, risk, and governance teams that need a defensible, repeatable estate engine—not a black box.
Enterprise Calculation Trace
Deemed Disposition
CRA ITA 70(5) → ACB: $850K → FMV: $2.1M → Taxable: $1.25M
Registered Accounts
RRSP rollover (ITA 146(8.8)) → Spousal transfer → $0 taxable; TFSA → no deemed disposition.
Cross-Border & Treaty
Canada–U.S. Tax Treaty Art. XXIX-B → Residency tie-breaker applied; coordinated CRA/IRS reporting.
Compliance Checkpoints
Policy & Rule Versioning
Every scenario tagged to a specific rule version so changes in legislation can be audited over time.
Provincial & State Probate
Estate administration tax, executor bonds, and court fees calculated and logged per jurisdiction.
Cross-Border Oversight
Required filings (e.g., IRS Form 706) and treaty credits surfaced and documented in the trace.
Scenario Validation for Enterprise
Compliance, risk, and governance teams can review a deterministic, line-by-line calculation trace for every estate scenario before anything leaves the building.
Legislative References
Linked back to CRA ITA, IRS guidance, treaties, and provincial statutes.
Audit-ready Exports
Traces and summaries exportable to PDF and your document management system.
Reproducible at Scale
Same inputs = same outputs, across advisors, branches, and business units.
Section 87 + Indigenous Trust
Indigenous Trust with Mixed Beneficiaries
Before RiGEL
- Manual Section 87 exemption verification for each asset
- Manual trust structure calculations
- Manual mixed-beneficiary distribution modeling
- No audit trail for exemption applications
- Compliance risk: Manual errors in Section 87 calculations
- 20+ hours per trust for compliance verification
After RiGEL
- Section 87 exemption logic automatically applied to all eligible assets
- Deterministic trust structure calculations
- Mixed-beneficiary distribution with fairness scoring
- Complete audit trail with Section 87 legislative references
- Drastically reduces compliance risk: Deterministic calculations eliminate manual errors
- <30 minutes per trust for full compliance verification
Indigenous Trust Calculation Trace
Estate partly on reserve → Section 87 exemption applies
On-reserve property: $600K → $0 taxable (Section 87 exemption)
Off-reserve investments: $400K → Standard CRA deemed disposition
CRA ITA 70(5) → ACB: $250K → FMV: $400K → Taxable: $150K
Trust structure → Spousal rollover → $0 taxable on spousal transfer
Mixed beneficiaries → Status beneficiary: Section 87 applies → Non-status: Standard rules
Fairness simulation → After-tax equity: 0.94 (deterministic calculation)
Legislative References
- Section 87 Indian Act - Tax exemption for property on reserve
- CRA ITA 70(5) - Deemed disposition on death
- CRA ITA 70(6) - Spousal rollover
- CRA ITA 248(1) - Fair market value definition
Cross-Border Enterprise Estate Workflow
Multi-jurisdiction death events spanning U.S. and Canada. RiGEL handles deemed disposition, treaty tie-breaker, cross-border probate, currency conversion, and compliance logs.
Multi-Jurisdiction Death Event
Before RiGEL
- Manual deemed disposition calculations for each jurisdiction
- Manual treaty research for tie-breaker rules
- Manual cross-border probate calculations
- Manual currency conversion for multi-currency assets
- Manual compliance logs → High error risk
- No deterministic validation → Compliance gaps
- 40+ hours per complex cross-border estate
After RiGEL
- Deterministic deemed disposition: CRA ITA 70(5) + IRS Pub 559
- Treaty tie-breaker logic automatically applied
- Cross-border probate: Multi-jurisdiction requirements calculated
- Currency conversion: CAD/USD/EUR → All calculations in CAD equivalent
- Complete compliance logs → Every action tracked
- Deterministic validation → Eliminates compliance gaps
- <30 minutes per complex cross-border estate
Deemed Disposition (Multi-Jurisdiction)
Canada: CRA ITA 70(5) → ACB: $500K → FMV: $1.2M → Taxable: $700K
US: IRS Pub 559 → Step-up basis → $0 taxable (US estate tax exemption)
Canada-US Treaty Art. XXIX-B → Tie-breaker → Canadian resident
CRA primary jurisdiction → Canadian tax applies
Treaty credit: $0 (no US tax paid)
Legislative References
- CRA ITA 70(5) - Deemed disposition on death
- IRS Pub 559 - Estate tax for non-residents
- Canada-US Tax Treaty Art. XXIX-B - Tie-breaker rules
Cross-Border Probate + Currency
Ontario probate: Estate Administration Tax → $14,500
US probate: California → $0 (no probate tax)
Currency conversion: USD $500K → CAD $675K (1.35 rate)
EUR €200K → CAD $290K (1.45 rate)
All calculations in CAD equivalent → Deterministic totals
Legislative References
- Ontario Estate Administration Tax Act
- California Probate Code
- Bank of Canada exchange rates (deterministic)
How RiGEL fits into your estate compliance stack
RiGEL doesn't replace your existing platforms. It becomes the deterministic estate engine between intake, policy, and reporting — giving risk and compliance teams a traceable source of truth for every calculation.
Inputs
Estate data & policy rules
- Assets, liabilities, and ownership structure
- Beneficiaries, jurisdictions, and residency
- Internal policy overlays and guardrails
- Data from CRMs, intake forms, and document systems
RiGEL engine
Deterministic estate calculations
- CRA/IRS rules, probate schedules, and treaty logic
- Section 87 logic for Indigenous estates
- Version-controlled ruleset and change history
- Same inputs → same outputs, every single time
Outputs
Audit-ready reports & traces
- Full calculation traces for risk and compliance
- Client-friendly summaries for advisors and households
- Exportable reports for internal governance and dispute defence
- Deterministic record you can revisit at any time
Time savings that reduce risk and review cycles.
Enterprises using RiGEL report: 70–90% reduction in modeling time, higher compliance confidence, lower variability in advisor-produced projections, and fewer internal review cycles.
60–80%
REDUCTION IN REVIEW CYCLES
Deterministic outputs eliminate manual spreadsheet verification and reduce compliance review time.
100%
ELIMINATION OF SPREADSHEET RISK
Version-controlled ruleset replaces ad-hoc Excel models with a single source of truth.
95%+
CONSISTENCY ACROSS TEAMS
Same inputs produce identical outputs across advisors, branches, and business units.
Coming Soon: Enterprise Case Studies
Real-world examples of how RiGEL's deterministic compliance engine transforms enterprise estate planning operations.
Indigenous Trust Management
Indigenous governance and trust teams can use RiGEL to apply Section 87 and related rules consistently, with auditable reasoning for each estate decision.
Full case studies are in development.
Multi-Jurisdiction Cross-Border Estates
Cross-border estates spanning CRA and IRS jurisdictions are modelled with the same deterministic engine, so every scenario can be traced back to the underlying rule logic.
Full case studies are in development.
Enterprise Trust Workflows
Enterprise trust management with Section 87 exemptions. Deterministic calculations ensure 100% compliance with Indigenous tax legislation.
Full case studies are in development.
Bring clarity, consistency, and compliance to every estate scenario.
RiGEL gives enterprise firms deterministic estate calculations, traceable logic, and organization-wide consistency.