There are a few reasons why savings entered into the Profile may not be occurring within the cash flow projections:
When savings appear to be missing, we first recommend double-checking the data card within the Profile > Savings section. In particular, you will want to double check the amount, owner, and start/end dates within the savings card to make sure all of the inputs are correct.
Contribution limits (individual and shared) for each account type are built into RightCapital. If the savings entered into the Profile are in excess of the contribution limit for a given account type, savings will be automatically capped at the contribution limit within the cash flow projections.
Income phase-outs are also built into RightCapital- if clients are ineligible to contribute to certain account types based on their income and tax filing status, these savings will not occur.
Certain types of savings, such as taxable and bank savings, can only occur in years where clients have the available cash flow. In years with cash flow deficits, these savings types may not be able to occur in full (or at all).
Other types of savings, such as IRA and 529 savings, won't be made in years with cash flow deficits unless you've checked the 'Use taxable account to fund IRA and 529 saving when current year cash flow is inadequate' plan setting.
If you're unable to pinpoint the cause of missing savings in the Cash Flows, you can always reach out to the RightCapital support team for assistance.
