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Accounts and Assets

Use Accounts and Assets to record savings, investment, and retirement accounts plus valuable personal property. Account balances and tax types drive withdrawal order, contribution room, and projected growth in orchestration.

Accounts

Each account (finplanner__FinPlan_Account__c) typically includes:

Account name and institution
Account type (tax treatment—for example, Traditional IRA, Roth IRA, Taxable, 401(k))
Current balance
Growth or return assumptions where applicable
Owner linkage to plan members

Add accounts with the page’s Add actions or modals. Edit and delete from row actions in the data table. Sections use accordion layout—expand a section to view or edit rows.

Key account fields

Field	Purpose
Tax Type	Controlling picklist: Tax - Advantage or After - Tax—filters available account types
Account Type	Tax treatment and account category (401(k), IRA, TFSA, taxable, and others)
Current Balance	Starting balance for projections
Cost Basis	Taxable account basis for capital gains modeling
Rate of Return (Optimistic / Average / Pessimistic)	Growth assumptions; orchestration uses the Optimistic rate as the effective scenario
Owner	Primary plan owner or spouse linkage
Exclude from withdrawal strategies	Omits account from automatic retirement withdrawals
Withdrawal Priority	Order hint when custom withdrawal order is enabled
Use for Medical Only	Restricts HSA-style accounts to qualified medical spending
Dividend Yield	Taxable dividend component for investment accounts
Model Future Rate Change	Optional step-change in return assumptions on a future date

Account Type values

Available types depend on Tax Type. Tax-advantaged types include 401(k), IRA, Roth, HSA, 529, RRSP, TFSA, RESP, FHSA, RRIF, and LIRA variants. After-tax types include Savings, Checking, Investment, and Canadian equivalents.

Tax Type	Example account types
Tax - Advantage	Current/Former 401(k), Traditional IRA, Roth IRA, Roth 401(k), 403(b), 457(b), HSA, 529, RRSP, TFSA, RESP, FHSA, RRIF, LIRA, Other Pre-Tax
After - Tax	Savings, Checking, Investment, Canadian Savings, Canadian Checking, Canadian Investment

Specialized account fields

RESP accounts — Beneficiary birthday, school start year/duration, PSE and EAP balances
Roth accounts — Roth Opening Year for conversion and distribution rules
RRIF accounts — Use Younger Spouse Age for minimum withdrawal calculations

Account and asset pages use datatables with edit modals. Exact fields depend on account type and jurisdiction.

Assets (non-account property)

Assets (finplanner__FinPlan_Asset__c) cover vehicles, personal property, and other valuables that are not held in financial accounts. They affect net worth and may link to sale or debt scenarios.

Field	Purpose
Asset Type	Category of personal property
Value	Current market value
Rate of Return	Appreciation or depreciation assumption
Purchase / Sale dates	Timing of acquisition or planned disposal
Sale Financial Account	Destination account for sale proceeds

Withdrawal order connection

Accounts listed here appear in Plan Preferences → Withdrawal Order. You can use Traditional tax-order defaults or a Custom drag-and-drop order. See Plan Preferences Reference.

Contribution room (Canada) and US limits

For Canadian plans, Contribution Room in Plan Preferences tracks TFSA and RRSP room. For US plans, US Contribution Limits captures year-to-date 401(k), IRA, HSA, and related fields. These interact with money flow contributions during projection.

Tip: Enter at least one funded account before your first Run Calculation. Empty account sets produce limited retirement projections.