MIGUEL Guide
MIGUEL AI Assistant Guide
Your Modern Intelligent Guide for Ultra-high-net-worth Estate Legacy planning
How MIGUEL Works
MIGUEL is an AI-powered financial advisor specifically trained on advanced estate planning, tax optimization, and wealth management strategies for high net worth individuals. Unlike generic AI assistants, MIGUEL understands:
MIGUEL's Expertise
- 2025 federal and state tax laws
- Advanced estate planning strategies
- Insurance and wealth transfer techniques
- Charitable planning vehicles
Response Structure
- 1.Quick Summary: Key points upfront
- 2.Detailed Analysis: In-depth exploration
- 3.Action Items: Clear next steps
- 4.Considerations: Important caveats
Progressive Disclosure
MIGUEL provides concise answers first, then offers to expand with more detail. Simply ask "tell me more" or "explain in detail" for comprehensive information.
Getting Started with MIGUEL
Your First Conversation
Start by introducing your situation to MIGUEL. The more context you provide, the more personalized and relevant the advice will be.
"Hi MIGUEL, I'm 62 years old, married, and have a net worth of approximately $30M. Most of my wealth is in a closely-held business worth $20M, with the rest in real estate and investments. I live in California and want to minimize estate taxes while ensuring my three children are taken care of. Where should I start?"
What MIGUEL Needs to Know
Essential Information
- • Your state of residence
- • Approximate net worth
- • Marital status
- • Number of beneficiaries
Helpful Details
- • Types of assets owned
- • Business interests
- • Charitable intentions
- • Specific concerns or goals
Asking Effective Questions
Best Practices
Be Specific About Your Situation
Include relevant details like state of residence, approximate net worth, and family situation
Example: "I'm 55, married, living in New York with $15M in assets and 3 adult children"
Ask Follow-Up Questions
MIGUEL remembers your conversation context, so dig deeper into recommendations
Example: "You mentioned a GRAT - can you explain how that would work in my situation?"
Request Comparisons
Ask MIGUEL to compare different strategies or scenarios
Example: "What's better for my situation: a charitable remainder trust or donor advised fund?"
Seek Clarification
Don't hesitate to ask for simpler explanations or more detail
Example: ""Can you explain that in simpler terms?" or "Can you provide more specifics?""
Example Questions by Category
Estate Planning
- •I have a $25M estate in California. What are my tax planning options?
- •How can I minimize estate taxes while providing for my children?
- •What's the difference between a revocable and irrevocable trust?
- •Should I consider a family limited partnership for my real estate holdings?
Tax Strategy
- •How can I reduce my capital gains tax on a $5M stock sale?
- •What charitable strategies can help with my tax burden?
- •Are there advantages to moving from California to Nevada?
- •How does the NIIT affect my investment income?
Retirement Planning
- •When should I start taking Social Security to maximize benefits?
- •How much can I safely withdraw from my portfolio in retirement?
- •Should I convert my traditional IRA to a Roth?
- •What's the best way to fund healthcare before Medicare?
Insurance Planning
- •Do I need life insurance if I have a substantial estate?
- •How can life insurance help with estate liquidity?
- •What's the difference between term and permanent insurance?
- •Should I consider premium financing for large policies?
Understanding Recommendations
How to Interpret MIGUEL's Advice
MIGUEL provides recommendations based on current tax laws, best practices, and your specific situation. Here's how to make the most of the guidance:
Green "Next Steps" Section
Look for the highlighted green section in MIGUEL's responses. This contains:
- 1.Prioritized action items
- 2.Recommended professionals to consult
- 3.Relevant calculators to use
- 4.Documents to prepare
Important Disclaimers
Professional Advice Required
MIGUEL provides educational information and general guidance. Always consult with qualified professionals (attorneys, CPAs, financial advisors) before implementing any strategies, especially for complex situations or large transactions.
Following Up on Recommendations
Ask for Clarification
"Can you explain more about the GRAT you mentioned?"
Request Examples
"Can you show me an example of how this would work?"
Explore Alternatives
"What are other options I should consider?"
Understand Trade-offs
"What are the pros and cons of this approach?"
Privacy and Security
Your Privacy Matters
We take your privacy seriously. Here's how we protect your information when using MIGUEL:
What We Do
- Encrypt all conversations end-to-end
- Store data in secure, SOC 2 compliant servers
- Allow you to delete conversations anytime
- Provide export options for your data
What We Don't Do
- Share your data with third parties
- Use your data for marketing
- Store sensitive account numbers
- Train AI on your personal data
Best Practices for Users
- 1.Avoid sharing sensitive information - Don't include account numbers, SSNs, or passwords in your conversations
- 2.Use approximations - Round numbers when discussing asset values (e.g., "about $10M" instead of "$10,234,567")
- 3.Review conversation history - Periodically review and delete old conversations you no longer need
- 4.Export important advice - Save or export valuable recommendations for your records