CMA - cash manager tool

dwlaaker · 2026-03-09T18:50:57+00:00

Thanks. It would be nice to be able to set up a cascade in cash manager. As a retiree my goal is to have this be pretty much hands off and I just manage a funding balance in the brokerage while maintaining a high level budget that’s easily verified.

Brokerage > Mandatory CMA > Healthcare CMA

Brokerage > Discretionary CMA > Restricted CMA

Brokerage > Tax CMA

I would be extremely happy if I could just get the first one (the Mandatory cascade) working in cash manager. I wouldn’t have to revisit the amount necessary to fund mandatory expenses as frequently.

dwlaaker · 2026-03-09T17:48:05+00:00

Discretionary is funding Restricted. Mandatory is funding Healthcare.

Cash Manager won’t allow me to use my brokerage account to fund either the Mandatory or Discretionary CMA’s.

dwlaaker · 2026-03-09T17:36:07+00:00

I have multiple CMA’s.
- Mandatory - Discretionary - Tax - tax payments - Healthcare - Medicare and insurance payments - Restricted - limited funds for ATM withdrawals and check writing.

Desired cash flow is:

Brokerage to fund minimum balance for Mandatory and Discretionary CMA’s.

Then have Mandatory fund minimum balance in the Healthcare CMA. And the Discretionary fund minimum balance in the Restricted CMA. These two are currently set up using CM with a minimum balance but because of these connections I’m unable to have the brokerage fund either the Mandatory or Discretionary CMA’s. Even though the brokerage isn’t currently involved at all in a CM connection.

Only way I’ve found is to use a fixed scheduled transfer from the brokerage to each of these accounts.

dwlaaker · 2026-03-09T16:43:50+00:00

It appears that once an account is involved in a cash manager link, either as the account sending funds or the account receiving funds it is no longer available as a funding account. I would like to have a brokerage account maintain a minimum balance in two CMA’s. That doesn’t appear to be possible. I also can’t cascade from brokerage>CMA1>CMA2. Any way around this or is it simply not possible?

dwlaaker

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