Debt Payoff Path has five stages. In Sequencer (Steps 1–4), build or select a saved scenario. In Payoff Path (Step 5), start an eligible scenario and compare its Modeled schedule with recorded balances as time passes. Open Debts → Debt Payoff Path to begin.
How Liabilities, Sequencer, and Payoff Path Fit Together
The workflow has three separate jobs:
- Liabilities is the factual debt inventory. It stores each tracked obligation, current balance, balance history, rate, term, and payment facts.
- Sequencer (Steps 1–4) is the modeling workspace. It can start from Liabilities records or manual entries, then compare free a payment first, highest rate first, lowest balance first, your own order, and optional whole life banking paths with Modeled output.
- Payoff Path (Step 5) is the operating plan after a scenario is selected. It keeps the starting scenario as the immutable Modeled baseline, then records Actual balances and payments against each month.
An advisor can build a Sequencer scenario for a linked client and send it to the client's account. The client reviews the plan in Payoff Path. Opening the shared view or printable view does not start tracking.
Starting opens debt matching first. It shows how many debts will be added to Liabilities, then lets the client link each debt to an existing record or add it as new. If a linked liability's recorded balance differs from the plan, the client chooses which balance to carry forward. Each new liability needs the client's confirmation, lender, and original amount; the original amount is never inferred from the current balance, and 0 is accepted for revolving credit. Start Payoff Path creates the client-owned path from that scenario version and those choices. A plan without a modelable whole life banking layer cannot start; the client sees why and can ask the advisor to send a new plan with one.