Keep property, debt and ownership connected.
Record each legal owner, asset, loan, income and expense once. Review the dated position and cashflow, then test a defined change without replacing the facts behind it.
A connected portfolio record
Facts used for one stated calculation date
- Legal owners
- Individuals, companies, trusts and SMSFs
- Wealth records
- Properties, other assets and loans
- Cashflow records
- Income and living expenses
- Calculation summary
- Result, relevant facts and dates, assumptions and limitations
Use the record for a specific question
Each workspace has a defined calculation boundary. Missing facts remain unavailable rather than becoming zero or a guessed value.
- Which portfolio-wide signals matter now, and what does the portfolio own and owe?
- Review recorded assets, debt, offsets, cashflow and legal-owner positions.
- What is the current cash position and what changes it?
- Run a cash forecast, compare one refinance or test selected stress conditions.
- Can the recorded portfolio fund retirement while retaining the home or liquidating the portfolio?
- Calculate a saved plan with explicit funding, timing and property strategies.
- What market context is available for a place?
- Review dated, state-relative market context without treating it as a forecast.