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Easy-to-use, highly interactive retirement income planning tool

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Show clients "what-if" scenarios on screen

Make quick adjustments and compare financial scenarios in front of your clients.

Taxation

Accurate Social Security taxation, and how taxes impact RMDs and early distributions from qualified plans

Import annuity information or life illustrations directly into CFD

CFD can import Winflex Illustrations, or find appropriate annuities and pull values using Cannex.

Close more annuity and life sales by stress testing your client's plan

Clients see why guaranteed income is important in down markets

Social Security Optimization

Illustrate benefits by year and compare filing strategies.

Spend Down Strategy

Manual strategy selection or fully automatic calculation of optimal spend down to minimize taxes and optimize retirement income

Behind this simple graph...

  • Income is accumulated
  • Asset appreciation is calculated
  • RMDs are calculated and withdrawn
  • Expenses are paid
  • Assets are used as needed
  • Taxes are calculated and paid
  • Social Security benefits are adjusted as required
  • For every year in the projection. And, for every possible Social Security filing age and method.

Should taxation, capital gains, RMDs, asset distribution order, post-retirement salaries, other income, and potential MAGI reductions affect your Social Security recommendation?

You bet. Total income affects how much of Social Security benefits are taxed. Asset distributions needed to pay expenses, and the nature of those assets, fluctuate. The percent of benefits taxed is seldom a fixed amount. It needs to be calculated annually. At age 70½ RMDs are required from qualified plans and are taxable. They also affect the MAGI and could trigger increased taxation of Social Security benefits. If Social Security is started prior to full retirement age, earned income could result in benefits being withheld until full retirement age. That affects income available for cash flow and should be considered when determining Social Security filing ages.

Required Minimum Distributions

Required Minimum Distributions are calculated, withdrawn from the qualified plans, and added to income.

Taxation

Modified Adjusted Gross Income is calculated and the amount of Social Security subject to tax is calculated. The percent of Social Security subject to tax fluctuates—it’s not safe to assume a fixed percent.

Cash Flow

When there’s not enough income to pay expenses, withdrawals are made from assets and the withdrawals are taxed appropriately.

You Can Answer the Big Questions

Answer more than just "What’s the best way to take Social Security?"

  • Will I run out of money?
  • How can I get the most benefit from Social Security?
  • What else can I do?

How about working a year or two longer? Can you get a better rate of return? What if you spend a little less in retirement? Just tweak the sliders and see the result instantly (well almost instantly, there are a lot of calculations behind the scenes).

Easy-to-understand graphics and a highly-interactive user interface give value to clients during interactive scenarios

You can choose how you'd like to present:

Printed Presentation

iPad/Tablet

Desktop/Laptop

Conference Room Display

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Start Your 14-Day Free Trial of Cash Flow Decisions (Includes Digital Fact Finder)

Monthly

$54.95

Your subscription includes a 14-day free trial, and you can cancel your payment at any time.

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Annual

$549

Your subscription includes a 14-day free trial, and you can cancel your payment at any time.

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Bundle Pricing

Save 60%

Save over 60% when you bundle products, compared to purchasing them individually.

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