CASH FLOW DECISIONS
A highly-interactive retirement income planning tool
CFD helps financial advisors feel comfortable presenting and proposing products in their first and second meetings.

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
CFD can import Winflex Illustrations, or find appropriate annuities and pull values using Cannex.
Close more annuity and life sales by stress testing your clients plan
Clients see why guaranteed income is important in down markets
Optimize Social Security
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RMDs are calculated and withdrawn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.
RMDs

Required Minimum Distributions are calculated, withdrawn from the qualified plans, and added to income.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.
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 or Computer Screen
Large Conference Room Display
Start your 14-day Free Trial
Your credit card won’t be charged for 14 days—cancel or modify your subscription at any time.
Cash Flow Decisions
Monthly SubscriptionCash Flow Decisions
Annual SubscriptionThis product is included in the Retirement Income Bundle and Ultimate Bundle subscriptions. View Bundle Pricing