"Spend unsaved cash flows" represents a cash flow surplus at the end of a given year that is being spent off, rather than saved. This column will only appear in the Cash Flows > Summary table when using a Modified Cash Flow Based planning method (see below).
Whether or not excess cash flows are saved and reinvested (positive net flows) or spent off (spend unsaved cash flows) depends largely on your Planning Method setting. You can view and adjust this setting within the Gear Icon > Settings > Methodology tab.
- Cash Flow Based will automatically save and reinvest all excess cash flows into the client's taxable investments. The ability to add taxable savings manually is removed.
- Modified Cash Flow Based will assume all excess cash flows are spent off at the end of each year, unless otherwise indicated within the plan. You can add taxable savings cards to specify any surplus you'd like to save and reinvest.
