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Reading Insights

Insights pages display charts and tables built from persisted orchestration output. Open them after a successful run (Ready or reviewable DTO_Ready state). If the plan is Out of Date, recalculate before trusting results.

Insight pages wrap charts in card borders with optional detail tables beneath. Values use the plan display currency.

Insight pages

Navigation label	What it shows	Prerequisites
Lifetime Income	Total income across the plan horizon by source	Baseline run; income inputs
Net Worth - Current	Today’s asset and debt composition	Account, asset, debt, real estate inputs
Net Worth - Projected	Year-by-year net worth trajectory with collapsible balance table	Successful orchestration run
Retirement Success	Whether projected resources meet spending needs	Expenses + withdrawal strategy configured
IRMAA	Medicare income-related monthly adjustment exposure by year	US plan; MAGI lookback from prior-year income
Cashflow	Annual cash in versus cash out	Income and expense inputs
Income & Expenses	Side-by-side income and expense trends	Income and expense inputs
Savings	Savings rate and account growth patterns	Income, expenses, contribution flows
Taxes	Federal, state, and provincial tax burden by year	Tax jurisdiction configured
What You Need	Savings required to meet stated goals	Goals and expense targets
Retirement Withdrawals	Account-level withdrawal schedule in retirement years	Withdrawal strategy + accounts
Withdrawal Rate	Portfolio withdrawal rate over time	Retirement-phase projections
Withdrawal Amount	Dollar withdrawals by period	Retirement-phase projections
Surplus-Gap	Surplus or shortfall versus spending targets	Spending Needs or Max Spending strategy

Overview versus Insights

Overview summarizes the highest-value metrics (current wealth, health, projected net worth, retirement cash flow, watchlist). Use Insights for deep dives on a single topic.

Insight and suggestion cards use color variants (risk, warning, success, info) to highlight planning opportunities.

Plan health panel

The health panel on Overview interprets projection outcomes into plain-language guidance. It refreshes when orchestration completes and surfaces actionable issues with links to relevant input pages.

Issue type	Severity	Typical fix
Underfunded purchase	Critical	Increase source account balance or adjust real-estate purchase timing
Household funding gap	Warning / Critical	Review income, expenses, and withdrawal strategy
Partially funded money movement	Warning	Fix mortgage payoff, transfer, or Roth conversion source accounts
Negative balance	Critical	Review accounts and withdrawal order
Reconciliation failure	Critical	Check money flows and linked-account funding; rerun calculation

Metric Watchlist

Pin up to 24 metrics on Overview to track favorites across sessions. Preferences persist on the Financial Plan record (Metric_Watchlist_Preferences__c). Status types include EXCELLING, PROGRESSING, VULNERABLE, and INFORMATIONAL.

#	Metric	Category
1	Debt (Non-Mortgage) Freedom Date	Debt
2	Retirement Countdown	Retirement
3	Savings Rate (Today)	Savings and Assets
4	Cash Flow Over Next 12 Months	Cash Flow
5	Total Debt Ratio	Debt
6	Effective Tax Rate (Lifetime Average)	Retirement
7	Effective Tax Rate (Next Year)	Retirement
8	Real Estate (Net) at Primary Retirement	Savings and Assets
9	Financial Legacy Goal	Savings and Assets
10	Projected IRMAA	Retirement
11	Long Term Care Risk	Life
12	Long Term Care Risk (Spouse)	Life
13	Lifetime Interest Payments	Debt
14	Average Retirement Withdrawal Rate	Retirement
15	Out of Money Date	Retirement
16	Retirement Chance of Success	Retirement
17	Surviving Spouse's Income	Retirement
19	Housing Expense as a Percentage of Income	Cash Flow
20	Roth Conversion Opportunity for Maximizing Estate Value	Savings and Assets
21	Life Opportunity	Life
22	Life Opportunity (Spouse)	Life
23	Next Month's Cash Flow	Cash Flow
24	Retirement Savings Opportunity for You and Your Spouse This Year	Savings and Assets

Charts refresh when orchestration signals projection availability—they do not poll indefinitely. If data looks stale, confirm status on Plan Preferences and refresh the browser tab.