Cash Flow Decisions

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Cash Flow Decisions software to help with retirement asset decisions, sold by affiliate ClientFirst Financial, Aptos, CA

When making Social Security recommendations for your clients, are you considering taxation, capital gains, RMDs, asset distribution order, post-retirement salaries, other income, and potential MAGI reductions?

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.

We spent the last year engineering a way to produce Social Security filing recommendations that consider clients’ income and other assets and how everything fits together to produce their retirement income. When we were finished, we were shocked! Glance at this quick walk through to see why.

The result of our effort is now ready to give you an amazing new look at how you present retirement solutions.

P.S. If you’re currently using Social Security Pro, take a free trial of Cash Flow Decisions. Once you decide Cash Flow Decisions will greatly improve your practice, call our support team to upgrade your subscription to Cash Flow Decisions.

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