Moneytree Plan

Open a client file and turn scattered numbers into an actionable plan within minutes. Start by importing account balances, transactions, and holdings from custodians or spreadsheets. Confirm paychecks, pensions, Social Security, insurance premiums, mortgages, and business income. Tag dependents, set retirement ages, and attach documents the client uploaded. With a clean baseline, you’ll see year-by-year income, spending, savings, and liquidity at a glance—plus where cash leaks, how debt amortizes, and whether the emergency fund holds up. From here, you can immediately answer, “Are we on track, and what breaks if something changes?”

Build a living cash-flow map that runs through the client’s entire timeline. Schedule recurring and one-time events: bonuses, RSU vests, rental income, home renovations, tuition, and healthcare spikes. Create rules for raises, inflation, and portfolio return assumptions, then set drawdown order across accounts. Layer in tax logic for federal, state, and local rates, RMDs, and Medicare surcharges to see net dollars, not guesses. Use the budgeting workspace to create spending targets by category, track actuals against plan, and adjust for seasonality. Cash management tools highlight shortfalls before they happen, suggest funding sources, and show the downstream impact of each transfer.

When decisions are on the table, copy the baseline and spin up side-by-side scenarios: retire at 60 vs. 65, refinance vs. keep the loan, downsize now vs. later, Roth conversion ladders, equity comp exercises, college funding paths, or charitable bunching. Nudge assumptions with sliders for inflation, returns, and healthcare costs to test sensitivity. Apply market shock years or income gaps to stress-test resilience. The results surface how taxes, cash buffers, and withdrawals change over time—exposing sequence risk, bracket creep, AMT/NIIT exposure, and capital gains timing. Clear visuals and plain-language callouts make it easy to explain tradeoffs and agree on a course of action.

Turn analysis into deliverables and execution. Generate client-ready reports with footnoted assumptions, share a secure portal for intake and approvals, and log a compliance-ready narrative of the recommendations. Push data to your CRM, portfolio platform, or tax software via export, and set tasks with due dates for follow-ups—fund the 529, increase 401(k) deferrals, or open a donor-advised fund. Track performance metrics on plan adherence and meeting outcomes, and use the next review to refresh data, rerun scenarios, and document what changed and why. The workflow closes the loop: gather data, model futures, decide, implement, verify, and repeat.