---
title: Account Balance Overview
description: account balance overview
---

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# Account Balance Overview

#### The purpose of this report is to supplement the Summary Cash Flow by showing running balances of each bucket, year over year, along with gross distributions and returns.

![Screenshot 2025-01-21 at 5.31.47 PM](https://help.wealthcentral.com/hs-fs/hubfs/Screenshot%202025-01-21%20at%205.31.47%20PM.png?width=670&height=303&name=Screenshot%202025-01-21%20at%205.31.47%20PM.png)

### What does each column on this report mean?

**Year -** Every year of the plan from today to the end of the plan

**Age** - Client and co-client age in every year of the plan

*Taxable Accounts (All non-FIA accounts in the taxable category)*

**Beginning Balance** - The beginning of the year balance of all taxable accounts + excess income

**Gross Distribution** - The gross distribution (i.e., distribution + capital gains taxes) from the Taxable buckets (including Excess Income)

*Pre-Tax Accounts* *(All non-FIA accounts in the pre-tax category)*

**Beginning Balance** - The beginning of the year balance of all pre-tax accounts

**Gross Distribution** - The gross distribution (i.e., distribution + income taxes) from the Pre-Tax buckets

*Tax-Free Accounts* *(All non-FIA accounts in the pre-tax category)*

**Beginning Balance** - The beginning of the year balance of all tax-free accounts

**Gross Distribution** - The gross distribution from the Tax-Free bucket.

*Accumulation FIAs (Accumulation FIAs + RILAs, regardless of tax category)*

**Beginning Balance** - The beginning of the year balance of all accumulation FIAs/RILAs. If a transfer happens in a year, add the net transfer to any other beginning FIA/RILA balances for that year. In this way, we can see the transfer leaving one source, and being added here.

**Gross Distribution** - The gross distribution from all Accumulation FIAs in a given year, across all tax categories

 

*Guaranteed Income Annuity (All GIA’s, regardless of tax category)*

**Gross Payout** - The sum of all payouts from all GI FIAs in a given year, across all tax categories

*IULs*

**GI IUL Payout -** The sum of all guaranteed income IUL payouts for a year

**Beginning Cash Value** - The beginning of the year cash value balance of all IULs. If a transfer happens in a year, add the net transfer to any other beginning IUL cash value balances for that year. In this way, we can see the transfer leaving one source, and being added here.

**Gross IUL Distributions**  - The sum of all IUL distributions, excluding GI IUL payouts

 

*Returns*

**Portfolio** - The weighted average return experienced by the portfolio for the given year

**Accumulation FIAs -** The weighted average return experienced by all Accumulation FIAs for the given year

**IULs** - The weighted average return experienced by all IULs for the given year, including GI IULs

**Cumulative Wealth -** The ending value of all buckets for the given year

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