See the cash you're building — with options ready to discuss.
The Cash Planning Agent reads your cash, runway, and tax bracket — and gives you cash visibility, concentration alerts, and discussion-ready options to review with your CPA or advisor. Not investment advice.
FinXteam prepares review-ready outputs — it does not replace a licensed CPA. You or your invited CPA approve all final books, filings, and decisions.
Unlocked on
Scale plan
Proof point
0% / AUM fee — flat-rate, review-ready summaries
The problem
You're sitting on operating cash you can't easily see across accounts, you have no clear view of how concentrated your balances are, and no simple way to frame options to talk through with your CPA or advisor.
A profitable small business builds cash. Six months in, you've got $80K sitting in an operating account earning 0.1% — that's real money you're paying inflation to hold. You know it should be working harder, but every guide is written for a salaried employee with a 401(k) match; nothing speaks to an LLC owner with lumpy revenue and a tax planner who only shows up in March.
The traditional fix is a financial advisor — but the math is brutal. Many charge 1% of assets under management, meaning on a $250K portfolio you're handing over $2,500/year. Good advisors are also hard to find, hard to vet, and rarely understand the SMB owner's mixed cash + retirement picture.
And the questions aren't even hard ones — they're just worth framing clearly before you talk to a professional. Solo 401(k) or SEP-IRA? T-bill ladder or HYSA? Is $300K at one bank too much exposure? They just take a few hours of homework most owners never get around to.
How Cash Planning solves it
The Cash Planning Agent reads your cash position and runway, highlights concentration across accounts, and prepares discussion-ready options you can review with your CPA or financial advisor. It does not provide investment advice.
The Cash Planning Agent watches your live cash position from the books, knows your operating runway from the Forecasting Agent, knows your tax bracket from the P&L and Tax Prep Support Agents — and prepares discussion-ready options. Not directives — illustrative options to review, such as splitting cash across a T-bill ladder, a liquid buffer, and an HYSA, with the trade-offs laid out. It does not provide investment advice.
It can summarize how common retirement vehicles compare for your entity type and income — Solo 401(k) for sole props with no employees, SEP-IRA for simpler cases, SIMPLE-IRA when you have employees, Defined Benefit when your income is consistently high. With each option it shows the math: contribution limit, potential tax impact this year, and a projection over time — for you to review with your CPA or advisor.
It also watches for concentration risk: balances above FDIC limits at one bank, more than 40% of revenue from one customer, a high share of cash in a single asset class. A quarterly cash summary lands in your inbox, and your CPA or external financial advisor (if you have one) gets the same view via the CPA Portal.
What this agent ships
- Cash visibility across operating and savings accounts
- Runway-aware planning tied to your forecast
- Concentration alerts (balances above FDIC limits at one bank, vendor revenue concentration, etc.)
- Discussion-ready options summary for your CPA + financial advisor
- Quarterly cash summary for review
Behind the scenes
The shipped tools powering Cash Planning
Every capability below maps to working code in FinXteam AI's API. We don't ship vapor — if it's listed, it's live.
Cash placement options
HYSA, T-bill ladders, sweep accounts — illustrative options framed against your operating runway.
Retirement-account comparison
Solo 401(k), SEP-IRA, SIMPLE, Defined Benefit — compares how each fits your entity + income.
Concentration-risk monitor
FDIC exposure, customer revenue concentration, asset-class concentration.
Tax-loss harvesting flags
Year-end items surfaced before December 31 for review.
Quarterly cash summary
PDF report for your CPA and (optional) external financial advisor.
Flat-rate, review-ready
No AUM percentage. The agent prepares options for you and your advisor to review; it does not provide investment advice.
Ask FinXteam AI
Try saying something like this
Cash Planning answers natural-language questions about your books. No SQL, no menus to hunt through.
“I have $200K sitting in checking — what options should I review with my advisor?”
“Compare a Solo 401(k) and a SEP-IRA for the LLC.”
“What are the contribution limits for these retirement accounts this year?”
“Am I over-exposed at any one bank?”
“Estimate the potential tax impact if I max a Solo 401(k) this year.”
Inputs → Outputs
What goes in. What comes out.
Data inputs
- Live cash position across operating + savings accounts
- Runway projection from the Forecasting Agent
- Income + tax bracket from the P&L and Tax Prep Support Agents
- Entity type and ownership structure
- Existing retirement / investment account balances (manual entry or read-only link)
What it produces
- Cash placement options summary (illustrative scenarios + account types)
- Retirement-account comparison with contribution math
- Concentration-risk dashboard
- Quarterly cash summary PDF
- Year-end tax-loss harvesting checklist
Pairs well with
Cash Planning doesn't work alone
These agents hand off to each other. Their data flows continuously across the eight specialists.
Tax Prep Support
Review-ready estimates, deduction summaries, and M-1 support — for your CPA to approve.
Prepares quarterly estimate calculations from real numbers, deduction summaries, an M-1 book-to-tax worksheet, and CPA-ready packages. Not legal or tax advice.
- Federal + state quarterly estimate calculations from live books
- M-1 Book-to-Tax differences worksheet
- Potential-deduction summaries (mileage, home office, depreciation, R&D)
Revenue & Forecasting
See what's coming — cash, revenue, runway.
Cash flow forecast that reads your upcoming bills. Per-stream revenue analytics. Runway projection. Variance vs. budget. Forecasts are estimates, not guarantees.
- 30-day cash flow forecast (reads upcoming bills automatically)
- Runway projection — months at current burn
- Per-stream revenue analytics (subscriptions, one-time, MRR)
Put cash planning on autopilot.
Connect your bank in two minutes. Cash Planning starts working immediately — and the other seven agents come along for the ride.