How the Trade Map turns the household’s current accounts (left, “Deployable Accounts”) into the solution sleeves (right). The Auto-Assign cascade and canFlow are the source of truth; manual drags obey the same rules.
Tax-deferred balances — own pre-tax (IRA/401k) and inherited IRA — are valued net of the embedded tax, discounted by the Plan-Variables rate (default 22%, honoring the “Show pre-tax net of embedded tax” toggle). Roth, inherited Roth, HSA, NQ and real estate keep full value. So a $600k IRA deploys as ~$468k.
Deployable (top), grouped by tax character: NQ → post-2019 inherited qualified → tax-deferred (+ pre-2019 inherited IRA) → Roth (+ pre-2019 inherited Roth) → HSA.
Exempted (bottom, locked until “broken open”): real estate (incl. primary), all annuities, life & LTC policies, and explicitly-exempt accounts. Breaking one open makes it a manual-only source (the global Auto-Assign never drains it). Real estate breaks open against a SitRep Liabilities leverage line (mortgage/HELOC), synced both ways.
Sleeves are filled in priority order; within each, sources are drawn in that sleeve’s own order (least tax-precious first — except Longevity & Life&Lux, which take Roth first):
| # | Sleeve | Source priority |
|---|---|---|
| 1 | Cash Reserves | NQ only — checking / savings first, then CDs / MMA, then other NQ (never a CD or MMA while checking/savings remains) |
| 2 | Project / Gap | NQ → Inherited → IRA → Roth |
| 3 | Tax Plan | NQ → post-SECURE inherited → IRA → (Roth + pre-SECURE inherited) last |
| 4 | Longevity | Roth → IRA → NQ → Inherited (last resort) |
| 5 | Dignity / LTC | NQ → Inherited → IRA → Roth — each spouse funds their own LTC first (Joint counts as own); the other supplements only a shortfall |
| 6 | Life & Lux | Roth → IRA → NQ → Inherited |
| 7 | Unrestricted | Anything remaining |
Every sleeve preserves registration and owner: IRA → the same owner’s IRA destination, Roth → Roth, inherited → the matching inherited wrapper, NQ → NQ. Karla’s IRA never blends into a Joint NQ account; planned Roth conversions happen inside the receiving account afterward (Roth Planner).
Annuity & LTC premiums first move into a Schwab transitional account — and that move is still like-to-like, owner-to-owner. The transitional carries the funding source’s registration; the conversion or distribution to the insurance contract happens later, as designed (shown as the third column). LTC funds own-spouse first: each spouse funds their own policy from their own money (Joint counts as own to both), and only a remaining shortfall is supplemented from the other spouse — the transitional is owned by the funder and feeds the insured spouse’s contract. Inherited money funds Longevity only through an inherited-wrapped annuity (it can never convert into a Roth annuity).
Auto-Assign recomputes every non-manual cell but keeps your hand edits. Reset to Auto clears everything (including manual edits) and rebuilds from scratch; break-open state and liabilities survive. A short sub-allocation is flagged with a red Short-Funded tag.