Models - RightCapital Help Center

Explore Custom Models in RightCapital

The Models tab of the RightCapital Advisor Portal allows you to create a variety of custom models, which will then be available for use within all of your client plans. In this way, RightCapital provides you with granular control over several crucial aspects of each and every client plan:

This article is designed to provide you with an overview of each Model type within RightCapital. For more detailed information on a particular model type, please use the hyperlinks provided in each section below:

Portfolios Tab

The Models > Portfolios tab allows you to view your existing model portfolios, as well as create new model portfolios. By default, every RightCapital account will have seven pre-built portfolios available:

To create a new, custom model portfolio, click the '+Add Portfolio' button in the upper left. You can also make a copy of an existing model by clicking the copy icon next to the model name. Use the Model Type menu on the right to determine whether you want to build an Asset Class Based model, or a Holdings Based model:

When creating an Asset Class Based model, you can determine the allocation of the portfolio by manually entering the percentages for each asset class. When creating a Holdings Based model, the allocation is determined by adding individual holdings to the portfolio, and specifying the ticker symbol and quantity of each holding.

Model portfolios can be applied in several places within a client plan:

When allocating a client's investments in the Profile > Net Worth tab
When selecting a target portfolio in the Investment module
When proposing a new asset allocation in the Retirement > Analysis > Action Items.

Looking for more info on Model Portfolios?

For more specific details on the default model portfolios, as well as a walkthrough of how to create a custom model portfolio using each Model Type, please see the article below:

Model Portfolios

Glide Tab

The Models > Glide tab allows you to view your existing glide paths, as well as create new glide paths. Glide paths are used to model a gradual transition in a client's investment allocation over time. By default, every RightCapital account will have a 'Default glide path' available:

To create a new, custom glide path, click the '+Add Glide Path' button in the upper left. You can also make a copy of an existing glide path by clicking the copy icon next to the model name. Using the detailed schedule on the right side of the page, enter the equity, fixed income, and cash percentages for each year to illustrate the desired transition in allocation over time:

The 'Quick Fill' button in the lower left can be used to populate or clear information much more easily. Interpolate will automatically populate all 0% inputs between beginning and ending values listed. Clear all will reset all glide path inputs to 0%.

Glide Paths can be applied within a client plan by navigating to the Gear Icon > Settings > Methodology page, and selecting the 'Enable Glide Path' option for that household's Allocation Method setting:

Looking for more info on Glide Paths?

For more specific details on the default glide path, as well as a walkthrough of how to create and apply a custom glide path, please see the article below:

Glide Path

Scenarios Tab

The Models > Scenarios tab allows you to view your existing return scenarios, as well as create new return scenarios. Return scenarios are used to view a client's plan within the context of a specific sequence of return. By default, every RightCapital account will have four pre-built scenarios available:

To create a new, custom return scenario, click the '+Add Scenario' button in the upper left. You can also make a copy of an existing scenario by clicking the copy icon next to the model name. Using the detailed schedule on the right side of the page, enter the equity, fixed income, and cash percentages for each year to illustrate the desired sequence of return you would like to use for that scenario:

Return Scenarios can be applied in several places within a client plan:

The Retirement > Analysis module, within the Comparisons and Retirement Details tabs
When creating a stock plan proposal within the "..." More Menu > Stock Plans > Analysis tab
Return scenarios can be turned on within the Retirement > Cash Flows, by navigating to the Gear Icon > Settings > Methodology page, and checking the 'Allow display of scenario-specific cash flows' setting:

Looking for more info on Return Scenarios?

For more specific details on the default return scenarios, as well as a walkthrough of how to create and apply a custom return scenario, please see the article below:

Return Scenarios

Vesting Tab

The Models > Vesting tab allows you to view your existing vesting schedules, as well as create new vesting schedules. By default, every RightCapital account will have three pre-built vesting schedules available:

To create a new, custom vesting schedule, click the '+ Add Vesting' button in the upper left. You can also make a copy of an existing schedule by clicking the copy icon next to the model name. Use the schedule on the right side of the page to determine the vesting type, vesting period, and percentage vested for each year:

Vesting Type allows you to determine the time interval between each row of the schedule. Vesting Period allows you to choose the total number of years for your vesting schedule.

Vesting schedules can be applied when entering a stock plan into a client's Profile > Net Worth section:

Looking for more info on Vesting Schedules?

For more specific details on the default vesting schedules, as well as a walkthrough of how to create and apply a custom vesting schedule, please see the article below:

Stock Plan Vesting Schedules

Retirement Spending Tab

The Models > Retirement Spending tab allows you to view your existing retirement spending strategies, as well as create new spending strategies. Retirement spending strategies are used to model specific changes to a client household's retirement living expenses. By default, every RightCapital account will have five pre-built strategies available:

To create a new, custom spending strategy, click the '+Add Spending Strategy' button in the upper left. You can also make a copy of an existing strategy by clicking the copy icon next to the model name. Use the Strategy type menu on the right to determine which type of strategy you would like to use, and then dial in your chosen details for that strategy:

Depending on your chosen strategy type, the rules and editable fields for your custom strategy will change. You can adjust the details and percentages for the default spending strategies, as well.

Retirement Spending Strategies can be applied in two places within a client plan:

When entering a client's retirement living expenses in the Profile > Goals tab.
When proposing a new spending strategy in the Retirement > Analysis > Action Items.

Looking for more info on Retirement Spending Strategies?

For more specific details on each type of spending strategy, click the link below:

Strategy Type Details - Retirement Spending

For a walkthrough of how to create and apply a custom spending strategy, please see the article below:

Retirement Spending

Annuities Tab

The Models > Annuities tab allows you to view your existing annuity models, as well as create new annuity models. By creating an annuity model in advance, you can easily apply that model within your client plans going forward:

To create a new annuity model, click the + Add Annuity Model button in the upper left. You can also make a copy of an existing annuity model by clicking the copy icon next to the model name. Use the 'Annuity Type' field on the right side of the page to determine the type of annuity: Fixed, Variable, Indexed, or Indexed Variable. The data entry fields beneath will update to reflect your chosen option:

For each annuity model, you can also add one or more distribution options by clicking the + Add Distribution button on the right side of the page. This allows you to choose between Annuitization and Lifetime Income as your distribution type, and to fill out the corresponding data entry fields:

After being saved, Annuity Models can be applied in several places within a client plan:

When entering an annuity as an asset in the Profile > Net Worth tab
When proposing an annuity purchase in the Retirement > Analysis > Action Items.

Looking for more info on Annuity Models?

For a more detailed walkthrough on creating and applying annuity models, please see the article below:

Annuity Models