The flagship Holistic Cashflow module has been modularised to streamline and simplify financial advice modelling.

This modular design lets you focus on individual components of your cashflow model, improving navigation and enabling smoother scenario-building.

The Primary sections of this module are:

This guide specifically focuses on the module's Cashflow Modelling section.

Cashflow Modelling helps visualise clients' financial futures by forecasting income, expenses, and goals.

This tool allows you to analyse current cashflow, simulate potential outcomes, and adjust and compare scenarios to provide proactive, data-driven advice, supporting clients in achieving financial stability and growth.

With our new, user-friendly interface, it’s easier than ever to present your models clearly to clients, enabling them to understand and engage with their financial strategies.

To access the Cashflow Modelling section, navigate to Holistic Cashflow by going to a client account, hovering over the Cashflow tab and selecting Holistic Model from the options.

If you have never created a scenario, you will land on the Create Scenarios dialogue.

Select Create New Scenario to begin building your financial scenario. This is the first step in crafting a tailored financial plan that meets your client's needs.

A confirmation pop-up will show with an editable system-created Scenario Name field and a confirmation button. This field is editable. Select Create Scenario+ to create the new Scenario.

Once the scenario is created you will land on the Snapshot view in the Financial Summary window.

Select the Cashflow Modelling tab to navigate to this window.

When you open the Holistic Cashflow, any existing scenarios within the Holistic Cashflow module will be displayed in the All section. Here, you can view your scenarios in a list or tile format, providing a clear overview of all previously created scenarios for easy access and management. Select the scenario you wish to work on or create a new one.

Select the scenario by ticking the box before it, and use the Open button to open it. If the Tile view is enabled, click on the tile to open it.

You will land on the Snapshot view in the Financial Summary window.

To access this feature, select the Cashflow Modelling tab. This will take you directly to the cashflow modelling window, where you can begin creating or reviewing financial scenarios.

The landing page of the Cashflow Modelling section is the Overall view. Here, you’ll see a graph that displays existing data pulled from the Fact Find and Financial Summary sections. This visual overview allows you to assess the current financial landscape at a glance. Each financial module includes additional tabs located below the Cashflow Modelling tab. Within these tabs, you can adjust key variables to refine your scenario, including:

Each section allows for in-depth customisation and ongoing adjustments, ensuring that the cashflow model remains relevant and responsive to the client’s evolving financial landscape.

The overall screen shows a graph of the overall position of your client's financial situation. This graph is colour-coded to show your client's financial situation clearly and is divided into:

Just below the tab headings, a row of buttons allows you to customise the display of the Overall Graph.

These controls enable you to adjust the view, zoom in on specific timeframes, filter data categories, and toggle various financial elements for a tailored visual experience.

This flexibility in presentation helps you highlight key insights and adapt the graph to suit both your needs and those of your clients, enhancing clarity and engagement during reviews.

You can customise this view by selecting the appropriate options, allowing you to adjust how data is presented to suit specific needs.

By fine-tuning the display, you can focus on particular financial elements, timeframes, or categories, ensuring the graph highlights the most relevant insights for you and your clients.

On the right side of the screen, an additional panel offers quick access to adjust key client details such as Expenses, Retirement Age, Age Pension, and Home Ownership status.

Hover over each heading and select the Edit(pencil) icon to make changes, or toggle options on or off as needed.

Once adjustments are made, select the Update button to save. For more in-depth control, select the Advanced button to open the Auto Cashflow settings, enabling further customisation of the client’s cashflow management strategy.

The Cashflow Modelling tab includes a powerful strategy configuration tool called Auto Cashflow, designed to help you efficiently manage client surpluses and deficits. This feature offers two key options:

By using Auto Cashflow, you can streamline cashflow planning, ensuring that surpluses and deficits are handled in a way that supports the client’s overall financial strategy.

The cashflow management options within Auto Cashflow can be organised in two ways to suit your client’s financial strategy:

These options provide flexibility to customise cashflow management in a way that best aligns with your client’s financial goals and preferences.

To access these cash management options select the Auto Cashflow button from the top right of the window or select the Advanced button on the right panel.

Select Surplus or Deficit to open the options menu for either cash management rule.

Select the specific options you need for your model from the menu then scroll down to access the scenario interface and enter or select data from the provided fields.

Once you have added the required details, you can further enhance the scenario or create a new scenario within the chosen cash management option.

Finally, once you have added all the modelling, select the Apply Changes button, and you will navigate back to the main window with your changes applied to the graph.

Select the Lifestyle option from the navigation panel to view your client's lifestyle assets. You will see a list of the client's existing Lifestyle Assets as entered in the Fact Find and Financial Summary section.

In the Lifestyle section, you have a range of tools to manage your client’s lifestyle assets effectively:

To quickly add a new Lifestyle Asset select the +Create New button from the bottom of the list.

Choose the client the lifestyle asset is for from the available drop-down, then the Type, add its name to the Name field and select the Create button to create the asset.

The Asset creation page will open, allowing you to add Returns Growth, or Edit the previously entered fields.

To Edit the previously entered field select the Pencil icon next to the designated client's name. Add the Growth percentage by entering the amount in the provided field or slide the toggle next to it. Add the Growth percentage for more complex assets by selecting the Advanced option at the bottom of the panel.

You may also add depreciation of an asset by entering a negative number in the Growth fields

The Advanced options enable you to set multiple date-based growth percentages for returns, allowing for precise projections over specific periods. This feature supports custom growth modelling, making it ideal for clients with varied investment timelines or financial milestones, resulting in more personalised and realistic financial projections.

From the Advanced options screen adjust the Baseline Growth/Rate of Return by selecting the Edit/Pencil Icon. To create Staggered date-based returns use the date fields, then select the dates from the presets or enter custom values and Apply.

To show depreciation, add a negative value in the Growth field and Update the graph.

To add multiple depreciation events, go to the Advanced option. Select Add New+ to enter each depreciation instance.

For each event, enter the negative amount, and the date when the depreciation will occur. This negative amount will be reflected as a deduction from the total. Previewing the graph will show this change.

Selecting Apply Changes will incorporate these adjustments into the overall Scenario.

To add the asset Amount navigate to the Contribution section in the advanced options and enter the amount as a Lump Sum.

You can use the Update Graph button at the bottom left of the window to preview the asset's performance, Revert to clear the entries, and Apply Changes to apply the contribution amount to the Scenario.

The asset value will now show in the Lifestyle Graph and Side Panel, where the amount can be quickly edited.

Select Add New + to add additional contributions to the Asset.

The additional contributions will be reflected on the main screen once you Apply Changes.

Once you have entered the growth and contribution amounts you can add a Withdrawal to your scenario by navigating to the Withdrawal section in the Advanced tools. Enter the withdrawal amount and date and update the graph to see the modelling.

Apply Changes to incorporate this withdrawal into the scenario.

To Delete a Lifestyle asset you have added to your modelling from the Lifestyle Assets dropdown in Cashflow Modelling, simply select the Delete/Rubbish bin icon next to the Asset in the dropdown. To remove existing Lifestyle assets please follow the instructions for how to do this in the Financial Summary window.

To view your client’s investments, select the Investments option from the navigation panel. Here, you’ll find a list of the client’s existing investments as entered in the Fact Find and Financial Summary sections, along with an option to Create a New Investment.

Within the Investments section, you can:

Select the Create New+ option from the investments drop-down menu to model a new investment in your scenario.

Choose the Client the Investment relates to from the pop-up dialogue that opens from:

Choose the investment Type from:

Add the Name of the Investment and select the Create+ button.

The Investment window will show in the main window. You can use the control panel on the right-hand side to adjust:

We have enhanced our flagship Holistic Cashflow module to now include Investment Property, allowing for greater flexibility in financial modelling.

Investment properties can be added in the Holistic Cashflow Module for both Individual and SMSF entities. You can either import an investment property from the Fact Find or add a new one directly within the model.

Advanced Options & Key Features

With this enhancement, you can now model investment properties more effectively, ensuring a comprehensive and realistic financial projection for both individuals and SMSFs.

The Advanced options enable you to manage the Investments:

In the Return section, you can set the overall Growth Returns for the Investment or multiple date-based growth percentages for returns, allowing for precise projections over specific periods. This feature supports custom growth modelling, making it ideal for clients with varied investment timelines or financial milestones, resulting in more personalised and realistic financial projections.

From the Advanced options screen adjust the Baseline Growth/Rate of Return by selecting the Edit/Pencil Icon and entering the requisite values.

These are determined by the Risk Profile previously selected, but can also be customised. Select Save to apply these values. Select Apply Changes to include these in the scenario.

To create staggered date-based Investment Returns, select the Risk Profile or enter custom values to the Income, Growth, and Franking fields; use the Date fields to determine the timeframe the Return relates to, by choosing the dates from the presets, or entering custom values; enter a Description for the period and Preview Graph to see how these will affect the scenario or Apply Changes to include them.

Use the Contribution section in the Advanced options to add the amount or contribution amounts and frequency to the new investment.

Select the Pencil/Edit icon at the top right of the Baseline Contribution using the available fields and drop-down options to add the ongoing investment amount and frequency and Save.

To set up a series of regular, staggered-date investments, start in the the Regular tile. Within this section, complete the available fields and dropdowns to specify the details of each investment, including:

To add more investment timeframes, simply select the Add New+ button, allowing you to configure a structured series of regular investments across your chosen periods.

Use the Lump Sum tile to add a single amount. Use the Add New+ button to add multiple date-based lump sum contributions.

To show the investment performance select the Preview Graph button.

Apply Changes to include the contributions to the scenario.

To model withdrawals from your client's investments use the Withdrawal section in the Advanced options.

By using the available fields and drop-downs, you can enter a Regular withdrawal amount, a Lump Sum, or a series of lump sum amounts under the respective heading tiles. Use the Add New+ button to add additional entries.

Select Preview Graph to see how the withdrawals will change the projection.

If you have created multiple withdrawals, you may need to scroll up to view the graph.

Use the Apply Changes button to include the withdrawals in your scenario.

To Set the maturity date for the investment, navigate to the Maturity section in the Advanced options.

Enter the Maturity date or select the Year and Month from the pop-up calendar.

Use the Renew Automatically toggle to renew the investment.

The Renew Automatically toggle is an option available on certain investment products, like term deposits, that impacts how the investment is managed at its maturity date.

When activated, this toggle will automatically reinvest the principal (and sometimes the interest, depending on the terms) into a new term deposit of similar duration, effectively keeping the investment rolling over without needing manual intervention.

This feature offers convenience for ongoing investment or allows for flexibility if you prefer to control each renewal.

Select Apply Changes to include in your scenario.

Navigate to the Fees section within the Advanced options to add and manage Investment Fees.

Utilise the fields within the Regular or Lump Sum tiles to include these types of fees in your investments. You can use the available fields and dropdown options to do this. To add multiple fees, use the Add New+ button. If you need to remove any fees, simply use the Rubbish Bin/Delete icon next to the fee you want to delete.

These fields provide a flexible setup for accurately tracking and managing fees within each investment, supporting a clear understanding of the impact on overall returns.

Select the Preview Graph button to show how the fees affect the projection.

You might need to scroll up again to view the graph, depending on the number of fees entered.

Apply Changes to apply the fees to the scenario.

Select the Superannuation option from the navigation panel to view your client's Superannuation products. You will see a list of the client's existing Superannuation as entered in the Fact Find and Financial Summary section, along with an option to Create a New Superannuation product or create a Rollover.

From the Superannuation section, you can:

These features enable a detailed and dynamic view of the client’s superannuation within their overall financial plan, ensuring their retirement assets are accurately tracked and managed.

Select the Create New+ option from the Superannuation drop-down menu to model a new Superannuation product in your scenario.

Choose the Client the Superannuation relates to from the pop-up dialogue that opens from:

Choose the Superannuation Type from:

Add the Name of the Superannuation and select the Create+ button to create the investment.

The new Superannuation window will show in the main window. You can use the control panel on the right-hand side to adjust:

The Advanced options enable you to manage the Superannuation:

In the Return section, you can set the overall Growth Returns for the Superannuation or multiple date-based growth percentages for returns, allowing for precise projections over specific periods.

This feature supports custom growth modelling, making it ideal for clients with varied Superannuation timelines or financial milestones, resulting in more personalised and realistic financial projections.

From the Advanced options screen adjust the Baseline Growth/Rate of Return by selecting the Edit/Pencil Icon and entering the requisite values.

These are determined by the Risk Profile previously selected, but can also be customised. Select Save to apply these values. Select Apply Changes to include these in the scenario.

To create staggered, date-based Superannuation Returns, select the Risk Profile or enter Custom values to the Income, Growth, and Franking fields; use the Date fields to determine the timeframe the Return relates to, by choosing the dates from the presets, or adding custom values; enter a Description for the period; and Preview Graph to see how these will affect the scenario, or Apply Changes to include them in the scenario. Use the Add New+ button to add multiple instances of returns.

Use the Contribution section in the Advanced options to add the amount or contribution amounts and frequency to the new Superannuation.

Scroll down to see the data entry tiles.

Select the Pencil/Edit icon at the top right of the Baseline Contribution using the available fields and drop-down options to add the ongoing Contribution amounts and frequency and Save.

Create a series of regular staggered-date super contributions within the Regular tile. Fill in the available fields and dropdowns to enter the Type, Amount, Indexation, Date, and Description of the regular contributions. Use the Add New+ button to add additional timeframe contributions.

To configure Contribution Amounts for a superannuation investment, you will need to define the following fields:

Use the Lump Sum tile to add a single amount. Use the Add New+ button to add multiple date-based lump sum investments.

To show the investment performance select the Preview Graph button. Scroll up to see the graph projection. Scrolling over the line graph will show additional information.

Apply Changes to include the contributions to the scenario.

To model withdrawals from your client's Superannuation use the Withdrawal section in the Advanced options.

Scroll down to access the editable fields.

You can enter a Regular withdrawal amount, a Lump Sum, or a series of lump sum or regular withdrawal amounts under the respective heading tiles by using the available fields and drop-downs. Use the Add New+ button to add additional entries.

The Withdrawal Fields allow you to manage how and when funds are withdrawn from a superannuation or investment account. Here’s a breakdown of the fields used to configure withdrawals:

These fields allow for flexible and precise withdrawal management, ensuring the client's cashflow model reflects their financial strategy accurately.

Select Preview Graph to see how the withdrawals will change the projection. You may need to scroll back up to see the graph.

Use the Apply Changes button to include the withdrawals in your scenario.

Navigate to the Fees section within the Advanced options to add and manage Superannuation Fees.

Scroll down to utilise the fields within the Regular or Lump Sum tiles to include these types of fees in your client's Superannuation. You can use the available fields and dropdown options to do this. To add multiple fees, use the Add New+ button. If you need to remove any fees, simply use the Rubbish Bin/Delete icon next to the fee you want to delete.

By carefully configuring these fields, you can ensure that fees are accurately managed, allowing for a comprehensive view of your client’s superannuation strategy over time.

Select the Preview Graph button to show how the fees affect the projection.

You may need to scroll up again to see the graph.

Apply Changes to apply the fees to the scenario.

To perform a Rollover strategy within the scenario select the Rollover option from the Superannuation dropdown in Cashflow Modelling.

The Rollover window will open , select the client the rollover relates to, choose the Superannuation product. You can view this information as a chart or a graph.

Scroll down to see the Rollover options. The available Investments to rollover will show directly beneath the graph.

You can see the balance of each account at different future dates by choosing these from the date field pop-up above the investments.

To initiate a rollover, navigate to the Rollover fields located beneath the superannuation balances.

Select Add New+ to set up additional rollovers and fill out the necessary fields for each rollover scenario. This functionality allows for tailored rollover management, making it easy to adjust client superannuation accounts to best align with their financial strategies.

Select Apply Changes to add the rollovers to your scenario.

Select the Liabilities option from the navigation panel to view your client's liabilities. You will see a list of the client's existing liabilities as entered in the Fact Find and Financial Summary section, along with an option to Create a New Liability.

In the Liabilities section, you have the flexibility to manage all aspects of your client's liabilities. Here's what you can do:

Select the Create New+ option from the liabilities drop-down menu to model a new Liability in your scenario.

Choose the Client the Liability relates to from the pop-up dialogue that opens from:

Choose the Liability Type from:

Add the Name of the Liability and select the Create+ button to create it.

The new Liabilities window will show in the main window. You can use the control panel on the right-hand side to adjust:

The Advanced options enable you to manage the Liability:

In the Interest Rate section, you can set the overall interest rate, or multiple date-based interest Rates for the Liability, allowing for precise projections over specific periods.

From the Advanced Settings screen adjust the Baseline Interest Rate by selecting the Edit/Pencil Icon and entering the requisite values.

To set up staggered, date-based interest rates:

Select Preview Graph to visually see the impact on the scenario before finalising any changes. When satisfied with the setup, select Apply Changes to incorporate the interest rates into the scenario.

Use the Add New + button to create additional instances for multiple interest rate periods, allowing you to build a customised, staggered rate structure across different timeframes.

Use the Repayment section in the Advanced options to add the repayment amount and frequency to the new liability.

Select the Pencil/Edit icon at the top right of the Baseline Repayment.

Add the ongoing repayment amount and frequency using the available fields and drop-down options by selecting the repayment terms from the dropdown, and Saving.

Create a series of regular staggered-date-based repayments within the Regular tile. Fill in the available fields and dropdowns to enter the Type, Amount, Indexation, Date, and Description of the regular repayments.

Use the Add New+ button to add additional timeframe repayments.

The Liability Repayment section includes the following fields to accurately configure and manage repayment details for liabilities:

These fields provide a clear and organised way to manage repayment schedules, ensuring that liability projections are accurate and tailored to each client’s financial plan.

Select the Preview Graph button to show the repayment's effect on the loan. Scroll up to see the graph projection. Scrolling over the line graph will show additional information.

Select Apply Changes to include the repayments to the scenario.

The Drawdown section allows you to enter the Amount of the liability, either as a series of Drawdowns or a Lump Sum amount. The graphs will not show any data until this section has been completed.

Scroll down to access the editable fields.

By using the available fields and drop-downs, you can enter a Regular drawdown amount.

The Drawdown fields allow you to manage withdrawals from liabilities or accounts with specific details:

These fields provide a structured approach to scheduling and tracking drawdowns, allowing you to integrate this information into comprehensive financial models tailored to the client’s objectives.

Alternatively, you can enter a Lump Sum, a series of lump sums, or regular drawdown amounts under the respective heading tiles. Use the Add New+ button to add additional entries.

Select Preview Graph to see how the Drawdown amounts will behave with the rest of the options added to the projection. You may need to scroll back up to see the graph.

Use the Apply Changes button to include the drawdown in your scenario.

Navigate to the Loan Term section within the Advanced options to add and manage the term of the loan.

Utilise the fields within the Loan Term tiles to add a loan term against the liability. You can use the available fields and dropdown options to do this. To add multiple Loan Terms, use the Add New+ button. To remove any, simply use the Rubbish Bin/Delete icon next to the term you want to delete.

Select Apply Changes to apply the fees to the scenario.

By using the comprehensive functions in Cashflow Modelling, you can create highly detailed and personalised financial scenarios for your clients.

Features such as staggered interest rates, adjustable date ranges, and custom data integration allow you to build scenarios that accurately reflect each client’s unique financial journey.

This level of precision enhances the accuracy of your projections and strengthens client engagement.

When clients see their financial scenarios modelled, they gain clearer insights into how different strategies impact their goals in real terms. This transparency builds trust and confidence, making clients feel more informed and connected to their financial plans.