Estate planning software for RIAs
Estate planning doesn’t end with the documents.
Legal documents establish the plan. But making that plan work requires more — the right accounts, ownership and beneficiary designations, insurance, important records, digital access, key people, and the information a family will need when it is time to act.
Josda gives advisory firms a guided, AI-assisted process for helping clients complete that broader work — and turn it into better planning conversations, useful outputs, and greater family readiness.
Developed with input from more than 100 financial advisors.
Beyond the documents
A complete estate plan has to work in the real world.
An attorney can create a will, trust, power of attorney, and healthcare directive. But those documents cannot, by themselves, answer every question a client or family may eventually face.
Legal documents
- Will
- Trust
- Power of attorney
- Healthcare directive
- Other legal instruments
Must work through
The real-world estate
Financial structure
- Accounts
- Ownership & titling
- Beneficiary designations
- Insurance
- Liabilities
- Held-away assets
Practical readiness
- Important records
- Digital access
- Devices
- Key people
- Professional relationships
- Family instructions
In short
Josda helps advisory firms connect the legal plan to the financial and practical reality around it.
The client experience
A guided process for doing the practical work.
Clients do not have to solve estate planning all at once. Josda breaks the broader estate-planning exercise into manageable pieces of work and helps households progressively build a clearer estate picture over time.
Bring in what already exists
Link financial accounts, import digital-account information, upload documents, and add important information without starting from scratch.
Work on one area at a time
Structured tasks and milestones help clients make progress one useful piece at a time.
Get help in context
AI-assisted guidance is available inside the workflow when help is needed.
For advisory teams
Stay connected to the work without managing every step.
Clients progress at different speeds and with different levels of support. Josda gives the advisory firm visibility across households so the team can understand engagement, progress, and where additional attention may help.
See who has started
Understand invitations, redemptions, adoption, and activity.
Understand household progress
See how clients are moving through the planning process.
Identify where follow-up may help
Spot households that have stalled or may benefit from additional attention.
Keep planning and settlement activity visible
Maintain visibility across both parts of the Josda relationship.
From information to insight
Turn what clients uncover into better planning conversations.
A broader estate picture gives the advisor context that rarely lives together in one place — and creates opportunities to identify questions that deserve attention.
What clients uncover
- Accounts
- Ownership
- Beneficiaries
- Insurance
- People
- Records
- Digital access
What the advisor can ask next
Is the estate still structured the way the client intends?
Ownership · Titling · Beneficiary designations
Where are the gaps between what's covered and what's owned?
Insurance · Held-away accounts · Liabilities
If something happened tomorrow, could the right people act?
Family roles · Professional contacts · Records · Digital access
Useful outputs
Turn the work into a useful estate picture.
As clients progress, Josda organizes what they have captured into a Family Estate Guide — a practical output the advisor can review with the client and that the family can rely on later.
Review with the client
Use the estate picture to guide planning conversations and identify what still deserves attention.
Coordinate next steps
Surface questions that belong with the attorney, accountant, insurer, or other professional.
Prepare the family
Create a clearer starting point than scattered files, statements, passwords, and recollections.
Family continuity
Build the family relationship before the family needs you.
Estate planning creates a natural opportunity to educate the people who may someday serve as executor, trustee, agent, decision-maker, or heir — while the client can still lead the conversation.
Josda can help clients identify those people, prepare them for the responsibilities they may eventually have, and make sure they understand the information and relationships they may need when something happens.
Educate spouses and heirs before a crisis
Build familiarity with the people who may eventually need the advisor's help.
Make responsibilities more understandable
Help families understand who may act, what they may need to do, and where important information lives.
Turn multigenerational planning into a real relationship
Make the family relationship part of the planning process rather than only an internal retention objective.
Today
- Financial advisor
- Client / couple
Established advisory relationship
Estate planning creates the introduction
- Spouse
- Children / heirs
- Future executor / trustee / agent
- Other relevant family
The client can introduce and prepare the people who may eventually need to act.Attorney · CPA · Insurance professional
Before the family needs help
- The advisor is already known
- Roles are better understood
- Important information is easier to find
Planning to settlement
When the plan has to be acted on, the family isn’t starting from zero.
The financial and practical estate picture built during life can provide a starting point when someone dies. Josda then gives the family a structured settlement process so they can understand what comes next, find the information they need, and get help working through unfamiliar administrative responsibilities.
Start with what's already known
Information organized during planning gives the family a clearer starting point — including accounts, people, records, documents, and other practical details.
Always know the next right thing to do
Josda guides the family through a structured settlement roadmap and surfaces the next useful task as the work progresses.
Get help in context
The Settlement Assistant can answer questions, help locate relevant information, and assist with forms and administrative tasks along the way.
Built with advisors
Developed with input from more than 100 financial advisors.
Josda has been shaped through conversations with advisors about how estate planning fits into real client relationships — where existing processes break down, what clients can realistically complete, what advisors need visibility into, and how the work can become repeatable inside an ongoing planning relationship.
- 100+ advisors contributed input
- Designed around the advisor-client relationship
- Support before and after the plan must be acted on
Security & trust
Sensitive family information deserves serious protection.
- Secure access
- Encryption
- Privacy
- Responsible use of AI
- Firm and household permissions
See how Josda could fit into your estate planning process.
Walk through the client experience, advisor dashboard, planning outputs, and settlement workflow.