TOTAL: Goal & Cash-Flow


Choose the planning approach to best reflect your client's situation.

Easy Money

Easy Money provides a comprehensive needs analysis including retirement, insurance, education funding, and estate planning. Easy Money uses a conservative goal-based planning method.


Key Assumptions of Easy Money

1. Planning Style

Goal-Based (Goal-Solving)

Goal-based planning is designed to identify certain goals, and then determine if what the clients are doing now will allow them to fulfill their goals.

The projection looks at the client’s goals (retirement, survivor, education, etc.), and if a deficiency is determined, the program will provide solutions to help the clients reach their goals.

2. Financial Life Cycle Phase

Best for Clients in Accumulation Phase

Designed to be used for clients in the accumulation phase, where there is still time to change the habits of saving and investing to make up for potential shortages.

Includes disability and life insurance need calculations important for accumulation phase clients as they in the process of building assets and are less likely to have an adequate capital to protect for a death occurring now or in the future.

3. Planning Approach

Worst Case Assumptions

Before retirement, the only deposits are the amounts scheduled as additions to assets. Any surplus cash flow is ignored (exceptions apply.)

The projection is determining if their planned actions will accumulate enough money to reach their goals.

This approach is intended to reflect what might happen in retirement if the clients continue saving at the current level.

Conservative tax assumptions – see details on income taxes (assumption 4.)

4. Income Taxes

Annual Estimated Taxes

Taxes are computed the first year using full IRS tax calculations, and estimated using the client's marginal tax rate thereafter.

Current year – income tax is computed using full IRS tax rates, phase-outs, AMT, etc.

After first year - the client's current marginal rate is applied to taxable income unless an optional rate for ordinary items and for equity accounts is provided.

The portfolio is assumed to be turned over each year, meaning the full account earnings are taxed immediately and the after tax-return is reinvested.

5. Planning Focus

Goal Solving

Focused on client's ability to reach goals and provide solutions.

Reviews the clients’ goals and objectives, assets available and estimates of how long the clients’ funds might last based on various assumptions.

Goals included for the analysis are retirement, education, insurance and single year “other” financial goals.

Solutions will be provided in the case of shortfalls for the goals of retirement, insurance, education, and other goals.

6. Planning Scope


Comprehensive Scope – Future Goals of Retirement, Insurance, Education, and Estate Preservation.

  • Current Year Cash Flow Analysis
  • Current Year Income Tax Analysis
  • Current Year Net Worth Statement
  • Retirement Needs Analysis
  • Monte Carlo Analysis
  • Annual Insurance Needs Analysis
  • Education Needs Analysis
  • Annual Estate Analysis
  • Appendix Section:
    Supporting projection details including expenses, incomes, assets and liabilities
Review the sample reports to learn more.  

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Golden Years

Golden Years provides a focused, highly detailed cash flow analysis to carefully evaluate the impact cash flow shortages and surpluses have on the clients’ assets over time. Golden Years uses an optimized cash flow planning method.


Key Assumptions of Golden Years

1. Planning Style

Cash-Flow-Based (Detailed Projection)

Cash flow planning is designed to measure all cash inflows and outflows, and then integrate these items with the clients’ assets and includes a careful analysis of the income tax burden each year.

The projection illustrates the impact that any surpluses or shortages might have on the ability of the clients' assets to last through life expectancy.

2. Financial Life Cycle Phase

Best for Clients In or Near Retirement

Designed for clients who are retired or nearly so. It assumes the client does not have substantial time to accumulate additional capital. Golden Years is intended for clients living out their largest goal of retirement and is focused on income, expenses, assets, and taxes, in a very detailed and accurate projection.

Cash-flow-based projections are also ideal for complex client situations, including clients with high wealth or complicated taxes, or whenever tracking all the details of cash flow are important for a highly thorough analysis.  

3. Planning Approach

Optimized Assumptions

Each year, beginning immediately, any surplus of spendable income is automatically invested.

The projection is accounting for all income sources and expenses in detail each year.

This approach is intended to illustrate the impact that shortages and surpluses might have on the ability of the clients’ assets to last through life expectancy.

Optimized tax assumptions – see details on income taxes (assumption 4.)

4. Income Taxes

Annual Calculated Taxes

Taxes computed every year using full IRS tax calculations including indexing, phase-out's, AMT, etc.

Income sources are measured and taxed separately - earned income, self-employment, interest, dividends, capital gains, other sources.

Indexing is included - marginal tax brackets, exemptions, standard deductions, allowable IRA contributions, etc.

Phase-outs are considered for deductions, exemptions, etc.

Includes AMT, Medicare surtax, stock options treatment and more.

5. Planning Focus

Detailed Analysis

Focused on income, expenses including taxes, and assets.

Analyzes all cash income sources, expenses, and liabilities.

Details the clients’ existing assets, changes due to additions or withdrawals, and rate of return.

The result is an illustration of the amount of capital available at any time, the amount of funds used for the clients’ retirement and how long the funds last.

6. Planning Scope


Focused Scope - Detailed Cash-Flow, Tax and Distribution Planning.

  • Annual Cash Flow Analysis
  • Annual Income Tax Analysis
  • Annual Net Worth Statement
  • Annual Expense Projection
  • Annual Income Projection
  • Annual Asset Projection
  • Liability Projection
  • Retirement Needs Analysis
  • Monte Carlo Analysis
  • Basic Education Needs Analysis
  • Annual Estate Analysis
Review the sample reports to learn more.  


TOTAL - In Depth Planning


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