Hard to divide
A building, a collection or a family business cannot be split among three heirs without selling it.
The problem
Why estates come apart.
Forced sales
Taxes and costs fall due in cash, which can force the sale of the very asset the family meant to keep.
Scattered records
Deeds, appraisals, trust documents and provenance sit with different advisors, and are hardest to find when they are needed most.
Room for dispute
When values and ownership are unclear, heirs disagree and administration slows down.
How Arrabon helps
Keep the estate together, and still share it.
One verified record
Every asset in the estate, documented with the reports of independent experts, such as title searches, appraisals and provenance, each recorded with the expert's credentials. One place for the family and its advisors to see what is there.
See a sample recordDivide without selling
Assets are held in a legal structure, such as a trust or holding company, and represented as fractional interests that can be allocated precisely among heirs, so no one has to sell the whole to share it.
Liquidity when it is needed
Sell a minority share to verified investors, or borrow against an interest through a licensed lending partner, to cover taxes and costs without giving up the asset.
For asset ownersA record that carries forward
Interests pass from one generation to the next with the record attached. Every transfer is logged, and the record stays current with re-appraisals and custody checks.
How it works
From a family's holdings to a plan.
- Take stock
Tell us what the estate holds and what the family wants to achieve. One submission can cover several assets.
- Document each asset
Independent experts report on title, condition, authenticity and value, as each asset requires. ACAN verifies that the reports are complete and records them.
- Structure the holdings
The family's attorneys establish or adapt the holding structure, and the interests in it are represented on the platform.
- Allocate and plan
Interests are allocated according to the estate plan, with options to raise liquidity or set aside shares for future transfer.
- Keep it current
The record is maintained for as long as the family holds the assets: re-appraisals, custody checks, insurance and every change of ownership.
Arrabon does not decide whether an asset is authentic or what it is worth. Independent experts report, and ACAN records their reports. Arrabon does not give legal, tax or financial advice; the family's own attorneys and advisors set the plan.
What an estate can hold
Every kind of asset, one record.
Most estates combine several of these. Each is documented the way its asset class requires.
Planning structures
The tools established families use.
Families that have kept wealth together for generations rely on a handful of legal and insurance structures. Many first-generation families never hear about them. Each depends on what Arrabon provides: clean data and documented, verified assets.
IDGT
Intentionally defective grantor trust
An irrevocable trust that keeps assets, and their future growth, outside the grantor's estate, while the grantor continues to pay the income tax on them. Assets usually move into it by gift or by sale.
Where Arrabon helps: Documented values from independent appraisers for each interest transferred, and fractional interests that can be sized to the plan.
ILIT
Irrevocable life insurance trust
A trust that owns life insurance outside the estate, so the payout can cover estate taxes and costs when they fall due, without forcing the sale of the family's assets.
Where Arrabon helps: A current record of what the estate holds and what it is worth, so cover can be sized to what the estate will actually need.
PPLI
Private placement life insurance
Life insurance for qualified investors in which the policy's cash value is invested in a dedicated account. Growth inside the policy is generally tax-deferred, and the death benefit passes to heirs.
Where Arrabon helps: Clean, verified records of the assets and interests involved, for the insurers, managers and advisors who structure the policy.
These structures carry strict legal and tax rules, and whether one suits a family depends on its circumstances. They are designed and set up by the family's attorneys, tax advisors and licensed insurance professionals, not by Arrabon. Arrabon provides the documented assets and records they rely on. Nothing here is legal, tax or financial advice.
Read the plain-English guide to IDGTs, ILITs and PPLIFor advisors
Built to work alongside you.
For estate attorneys, trust officers and fiduciaries, family offices, wealth managers, insurance professionals and tax advisors whose clients hold more than cash.
Clean data
Every asset in a client's estate documented with expert reports and kept current in one record, instead of reassembled from scratch for each gift, sale or filing.
Verified assets
Title, existence and documentation verified, with valuations from independent appraisers on the record, so planning starts from established facts.
Better transfers to heirs
Documented values and fractional interests that support the structures you already use to move wealth across generations, from gifts and sales to trusts to insurance-funded plans.
Families
Start with what the estate holds.
Tell us about the assets and what the family wants to achieve. One submission can cover several assets, and we will come back with next steps.