In this video, we will walk you through how to transfer a one-off windfall in your client's plan.
Transcript
This training demonstrates how to handle large one-off inflows—such as an inheritance or the sale of a property—and efficiently sweep those funds into an investment account using Voyant. This approach ensures that excess cash is intentionally allocated rather than assumed spent, keeping the client’s long-term strategy on track.
Learning Objectives
By the end of this training, you will be able to:
Enter a one-off inflow such as an inheritance into a client plan
Use transfers to sweep excess funds into an investment account
Apply the same strategy to proceeds from a property sale
Verify that funds are allocated correctly using Cash Flow and Investment views
Step 1: Enter a One-Off Inflow (Inheritance)
Click the + button and select Income → Windfall.
Choose Inheritance as the windfall type.
Enter the amount of the inheritance (e.g., €2,000,000).
Go to the Timing section:
Set the start event to next year.
Click Done.
You should now see a spike in the Cash Flow chart, reflecting the inheritance entering the plan.
Step 2: Sweep the Inheritance into an Investment Account
By default, excess income is assumed to be spent unless directed elsewhere. To ensure these funds are invested:
Click the + button and select Transfers.
Choose From: All Surplus.
Select the destination account (e.g., Tax-Free Investment).
Choose All Available.
Set the transfer to occur in the same year the inheritance is received.
Leave the transfer non-recurring, as this is a one-time event.
Click Done.
You should now see a black line above the cash flow spike, indicating that the funds have been allocated rather than spent.
Step 3: Verify the Allocation
Go to Your View → Cash Flow:
Confirm the inheritance inflow appears in the correct year.
Navigate to Your View → Investments:
Open the investment account to confirm the large contribution has been made.
This ensures the inheritance is being invested as intended.
Step 4: Apply the Same Strategy to a Property Sale
You can use the same sweeping approach when a property is sold.
Model the Property Sale
Open the property and go to the Timing section.
Set the sale to occur at retirement by setting this as the End Event.
Click Done.
A new inflow spike should appear in the cash flow chart for the year of sale.
Sweep the Proceeds into Investments
Click + → Transfers.
Select From: All Surplus.
Choose the same investment account (e.g., Tax-Free Investment).
Select All Available.
Set the timing to the year the property is sold.
Click Done.
Again, the black line above the cash flow chart confirms the proceeds have been allocated.
Step 5: Confirm Final Results
Navigate to Your View → Investments.
Confirm:
A large contribution has been made to the investment account
The property no longer appears as an owned asset
This confirms both the inflow and allocation are working as expected.
Getting Support
If you have questions while working in a client plan:
Click the client’s name in the top right corner.
Select Request Support.
Enter your message and select Share Client Access.
Key Takeaways
One-off inflows must be intentionally directed or they will be assumed spent.
Transfers from All Surplus provide a clean way to sweep funds into investments.
The same workflow applies to inheritances, property sales, and other large inflows.
Visual confirmation in Cash Flow and Investment views ensures accuracy and clarity for both advisors and clients.