QuantiCRUT™ · Suitability Screening for Charitable Remainder Unitrusts
Deduction calculators answer the IRS's question. Yours is different.
QuantiCRUT™ runs 10,000 simulated paths of a proposed unitrust against the alternatives a client actually faces — keeping the asset and drawing the same income, holding it untouched until death and the basis step-up, or selling now and reinvesting. It reports the projected win probability against each benchmark, at each mortality basis, with the median dollar difference.
Built for financial advisors, planners, charities, and the attorneys and CPAs who advise on charitable trusts. If you work with an advisor, they can run the screen for you and hand you the report. Or run it yourself — the report is written to be read.
The question the deduction can't answer
The deduction at inception is a calculation. Whether the trust leaves you and your heirs ahead over its lifetime — ahead even counting the remainder that ultimately passes to charity — is a different question. It depends on basis, ages, payout rate, longevity, and which alternative you would actually pursue. A client who would keep the asset and draw income from it faces a different comparison than one who would hold it untouched for heirs, or sell and diversify today. Picking the right benchmark is often the decisive step, and it changes the answer.
Ten thousand simulated paths. Some favor the trust; many don't. The screen shows where a specific case is projected to fall.
The methodology is published
The screening framework — the simulation, the three benchmarks, the win probability — is peer-reviewed research: Gottlieb, K. "When Does a Charitable Remainder Unitrust Outperform? A Monte Carlo, Multi-Benchmark Suitability Framework," Journal of Financial Planning 39 (8): 60–79 (August 2026). QuantiCRUT™ is that framework as software, run on your inputs. This is not a black box.
The report also states the charitable deduction, and that computation has its own published derivation (SSRN 5924942) — but the deduction is the smallest part of what the screen tells you. Any calculator can produce it. The suitability analysis is what you won't find in the standard planned-giving calculators.
The report is the product
A concise PDF: inputs summary, deduction, outcome distribution across both mortality bases, payout-rate ladder, and the dollar difference against the benchmarks. Advisors can put their own name and firm on it.
Two couples, two different answers — in one sample the trust is projected to prevail on roughly three-quarters of paths at one mortality basis; in the other, close to one-third. That's the point: the answer depends on the client.
Plans from $325. A seven-figure irrevocable decision; a $325 screen. Nothing stored — inputs exist only to render your PDF.
QuantiCRUT™ is a product of Proton Prep, Inc., not of Wealth Care Lawyer. Methodology by Klaus Gottlieb, JD, MBA, LLM (Tax). Using QuantiCRUT™ does not create an attorney-client relationship. Not legal, tax, or investment advice. Intended as an advisor decision-support tool; outputs require evaluation by a qualified professional before acting. No warranties; no result guaranteed.