Financial Command Center

Investment Management Center

Understand what is invested, what is locked, what becomes available next, and which assets should be used first when cash is needed.

Executive Command Center

R50 Investment Optimizer

New Money Recommendation

Enter the amount available to invest and the opportunities you are considering. FCC reads the existing committed portfolio first, then respects the central obligation forecast, the protected-liquidity rule, one-person protection limits, maturity terms, withdrawal allowances and rates.

Protected liquidity
$50,000
Current available funds
$638,120
12-mo operating gap
$62,231
Maximum eligible lock
Up to 36 months
Current annual investment income
$83,200

Central FCC forecast indicates available funds above the protected reserve would be consumed by modeled operating gaps in about 37 months. FCC therefore avoids recommending locked terms beyond 36 months. The number shown is a ceiling: FCC still compares all shorter eligible terms and does not prefer a longer lock unless the entered return justifies it.

Opportunities Under Consideration

Protection limit is based on one person's applicable coverage limit, even when the investment is jointly owned. FCC will not recommend an allocation above that conservative limit.

UseLabelInstitution / InsurerTypeRateTerm MonthsWithdrawal RuleAllowance %ProtectionStateOne-Person LimitJoint Ownership

Protection guidance: FDIC and state guaranty-association protections use different legal rules and ownership categories. R50A intentionally does not hard-code a statutory amount. Enter the verified one-person limit for the exact product and state. State guaranty protection is not FDIC insurance.

FCC Recommended Allocation

New money
$0
Liquid money-market reserve
$0
Term investments
$0
Added annual income
$0
Projected portfolio annual income
$83,200
InvestmentInstitutionAmountRateAnnual IncomeProjected Value at MaturityAllowance WithdrawnTermWithdrawalProtectionExisting ExposureRemaining CapacityWhy
Enter new money and approved opportunities to generate an allocation.

Portfolio Diversification & Safety

Existing portfolio plus this proposed allocation. Protection and diversification are separate tests.

CategoryCurrentProposedProjectedProjected %Maximum %Remaining CapacityStatus
Insurance / Annuity Industry$850,000$0$850,00044.2%30%$0BLOCKED
ANNUITY$850,000$0$850,00044.2%30%$0BLOCKED
MONEY MARKET$618,000$0$618,00032.1%30%$0BLOCKED
Institution: citi$600,000$0$600,00031.2%25%$0BLOCKED
Institution: not specified$520,000$0$520,00027.0%25%$0BLOCKED
Maturity: 0 12 MONTHS$936,000$0$936,00048.6%35%$0BLOCKED
Institution: first ntional bank$456,000$0$456,00023.7%25%$25,000WARNING
CD$456,000$0$456,00023.7%40%$313,600PASS
TREASURY$0$0$00.0%70%$1,346,800PASS
Institution: citibank$18,000$0$18,0000.9%25%$463,000PASS
Institution: tiaa$220,000$0$220,00011.4%25%$261,000PASS
Institution: fidelity$110,000$0$110,0005.7%25%$371,000PASS
Maturity: OVER 60 MONTHS$370,000$0$370,00019.2%35%$303,400PASS
Why FCC selected or rejected each opportunity
OpportunityInstitutionRateTermExisting ExposureProtection CapacityDecisionExplanation
Money Market OptionNot entered0.00%Liquid$0$0NO_VERIFIED_PROTECTIONNo verified approved protection is entered.
Investment OptionNot entered0.00%12 mo$0$0NO_VERIFIED_PROTECTIONNo verified approved protection is entered.
Investment OptionNot entered0.00%12 mo$0$0NO_VERIFIED_PROTECTIONNo verified approved protection is entered.
Investment OptionNot entered0.00%12 mo$0Not cappedMATURITY_LIMIT_REACHEDMaturity-bucket concentration limit reached.

Withdrawal Optimizer

FCC first determines what is actually available under maturity and contractual withdrawal rules. Naturally liquid, matured and allowance-based sources are considered before discretionary early-access holdings; within each class FCC uses the lowest-return sources first so higher-yield investments are preserved whenever possible.

SourceInstitutionAvailable NowRecommendedRate Given UpAnnual Income Given UpRuleAccess BasisReason
Enter an amount needed to generate the withdrawal proposal.
Requested
$0
Recommended
$0
Shortfall
$0
Annual income given up
$0

Reserve parking recommendation: No approved liquid money-market destination entered.

No approved protected liquid money-market opportunity is entered.

Total Portfolio$1,924,000Active investment accounts →Accessible Today$618,000Open Liquidity Planner →Locked Today$1,306,000Review investment locks →Weighted Average Yield4.32%Review rates and holdings →Estimated Annual Income$83,200Review investment income →Estimated Monthly Income$6,933Review investment income →Next MaturityDec 1, 2026CD FNBC • $456,000 →Investment Count8Open investment records →

Portfolio Detail

Investments & Funding Priority

Lower funding priority is used first; within the same priority, lower-return accessible assets are preferred first.

InstitutionAccountTypeBalanceRateAnnual IncomeProjected Value at MaturityAllowance WithdrawnMaturityDaysLiquidityPriorityAuto Renew
First Ntional BankCD FNBCCD$456,0004.00%$18,240Dec 1, 2026112≤ 6 months1No
CitibankSavings CITIMONEY_MARKET$18,0004.00%$720Aug 1, 2027355Available now2No
CITICITI Money MarketMONEY_MARKET$600,0004.00%$24,000Aug 1, 2027355Available now3No
Not specifiedInvestment 4ANNUITY$220,0005.20%$11,440Aug 20, 20322201> 1 year4No
Not specifiedInsurance 1ANNUITY$150,0005.20%$7,800Aug 20, 20322201> 1 year5No
Not specifiedInvestment 6ANNUITY$150,0005.20%$7,800Aug 1, 2027355≤ 1 year6No
TIAARetairmentANNUITY$220,0004.00%$8,800Aug 1, 2027355≤ 1 year7No
FidelityRetairmentANNUITY$110,0004.00%$4,400Aug 1, 2027355≤ 1 year8No