Liquidity (tab)

The client's Dashboard provides excellent overviews of important areas of financial viability, and this article dives into the client's liquidity. The liquidity tool allows a client to set an emergency fund to cover expenses in the case of loss or hardship.

To access the Liquidity tool, navigate to the client and select Dashboard > Liquidity.

Elevate your practice with the Liquidity tool

This tool powerfully visualizes the importance of reserving cash funds in case of unforeseen setbacks, emergency situations, or spontaneous spending opportunities.

Include a thoughtful conversation around liquidity in a client meeting to continue to elevate both your insight and your genuine care for the client's best interest.

The Liquidity screen displays a target value for the client's emergency fund, their liquid assets, and the surplus or deficit between the two.

To set the Target Liquidity, open Action Items and use the slider bar to set the number of months of expenses to have the target cover.

Determining Expenses

Anything set up as an Expense in the client's profile is included. The exact items are enumerated on Cash Flows > Expenses and Cash Flows > Other Expenses. Future-dated expenses are excluded (such as LTC costs, or defined goals like a child's college costs or the purchase of a business). Mortgages, loan payments, and insurance premiums are included in the target liquidity calculation.

Determining Liquid Assets

The Actual Liquidity reflects the value of all accounts set up as "Bank" accounts on the Net Worth screen plus any Cash amounts in taxable investment accounts.


The Surplus/Deficit bar will drop below the positive axis and show a negative amount if there is insufficient liquidity to match the target liquidity.

Mouse over the bars in the chart to see the actual values for each of the bars