How much cash do you keep outside your investments? Savings, checking and money market.

About the Liquidity Reserve Review

A quick way to see whether your cash reserves are sized correctly for the life your portfolio has to support. You answer five questions; we show you how many months your cash covers.

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.