Capital Requirements (Desires): The dollar amount needed to achieve a specific goal.

Capital Available (Funding): The financial resources available to meet that need.

Emphasis on Simplicity: Target-Maps avoid overly technical "math" in front of the client. The focus is always on the "bottom line first"; What it means.

Interactive Client Engagement: It is OK not to pre-build the entire plan behind closed doors. Instead, update values and adjust goals (like travel budgets or retirement ages) live with the client to secure their buy-in.

Conservative Planning Philosophy: We lean toward conservative assumptions—such as projecting life expectancy to age 100, assuming a lower rate of return, and accounting heavily for taxes—to help assess if a plan works even in worst-case scenarios. These can all be adjusted by the advisor on the fly.

The Workflow: We suggest following a workflow: start with a Signal/Fire Drill to identify a need, define the expenses (What you want), allocate the resources (What you have), review the deficit (What it means), and clone the Target-Map to present scenarios.

Asset-Map Integration: Funding primarily flows from the client's existing Asset-Map. The more complete the Asset-Map, the more resources the system can automatically consider to fund the goal. The exception to this is negative cash flows like expenses on an Asset-Map. They do not flow to a Target-Map.

Manual Adjustments: Advisors can manually create additional funding resources or specific funding desires directly within a Target-Map to account for unique scenarios not captured in the base Asset-Map.

Global Preferences: Financial professionals should update the global Target-Map Preferences to reflect their average client's needs. This ensures that every new Target-Map starts with a solid baseline.

Per-Case Adjustments: Defaults and specific variables can be adjusted on an individual basis by editing a specific Target-Map report after it has been generated.