Liquidity Reserve Review

What this tool is for

• Right-sizing cash against essential bills. Coverage horizons are reported against essential expenses specifically — not just total spending.
• Accounting for guaranteed income. Social Security, pensions, and annuities reduce how much cash has to do the work. We factor them in.
• Surfacing planned lump-sum outflows. Tuition, tax payments, home repairs — known cash commitments shrink your usable buffer before they happen.
• Showing you a coarse bucket, not a prescription. You will see something like “6 to 12 months of essential spending” — enough signal to start a conversation with a qualified investment advisor, not a plan in itself.