| Consolidated Financial Statements |
|
| Net Worth in Current Year |
Quickly generate graphical consolidated Net Worth Report for
current year |
| Cash Flow in Current Year |
Quickly generate graphical consolidated Cash Flow/Budget Report
for current year |
| Discretionary Funds Analysis |
Identify and communicate client's discretionary funds available
to implement your recommendations. |
| Retirement Needs Analysis |
|
| Accumulation planning |
Model qualified and unqualified retirement savings. Quickly
determine if clients are on track. |
| Distribution Planning |
Model retirement income streams, asset depletion, annuitization
strategies, etc. |
| Model exceptional income, expense requirements during retirement |
Quickly model any exceptional income or expense requirements.
Create requirements in any year or range of years. |
| Compare alternate scenarios side by side |
Create alternate retirement scenarios to reflect different
assumptions, your recommendations etc. View side-by-side comparisons
inline or print retirement scenario comparison report |
| Solve for additional savings required. |
Develops additional savings estimates based on selected rate
of return. |
| Graphical results |
Quickly view graphical results that communicate your clients
scenarios. |
Survivor Needs Analysis
|
|
Compute additional capital required
|
Compute additional capital required to meet specified immediate
and income replacement needs. Module is straightforward and
easy to use and easy for clients to understand |
Social Security benefits
|
Include accurate estimates of clients social security benefits
in needs analysis. |
What-if scenarios
|
Quickly create and compare alternate client scenarios. CLient
can help you arrive at a recommendation that they will buy into. |
| Graphical results |
Quickly view graphical results that communicate your clients
scenarios. View graphs and spreadsheets that quickly communicate
results to your client. |
College Funding Analysis
|
|
Database of annual costs by region and institution type
|
Annually updated database of college costs by region and institution
type. Overrides supported. |
Option to calculate results based on saving until end of college
|
Some clients may have waited to long. Optionally you can Compute
additional funds required if client is saving until the end
of college. Effectively lengthen their savings time horizon. |
| Compute additional lump sum required or additional monthly
payments |
Identify the lump sum required to fund college today for life
insurance purposes or the additional monthly savings required. |
Disability Needs Analysis
|
|
Model alternate income streams
|
Capture additional income streams available should a disability
occur. |
Model existing disability policies
|
Capture clients current policies. Benefit amount, annual premiums,
waiting period, benefit duration, tax status. |
Adjust for impacts to non-disabled spouse’s wages
|
A disability event can impact the non-disabled spouses wage
earning ability. Model this often overlooked impact. |
| Compute additional annual income required to meet specified
needs |
Identifies and graphically illustrates how much additional
income is required to address a potential disability. |
Long Term Care Analysis
|
|
Database of average LTC daily costs
|
Annually updated database of daily LTC costs by region/city.
Overrides supported. |
Model existing LTC policies
|
Capture clients current policies. Daily benefit, annual premiums,
waiting period, benefit duration, tax status. |
| Compute future LTC cost, future benefits, and projected shortfall |
Graphically illustrate the magnitude of an uncovered LTC event.
Automatically import results into clients retirement scenario
and illustrate the impacts. |
| Social Security Benefits |
Enter benefit estimates directly or utilize ball-park estimator |
| Taxation of benefits |
Social security benefits taxation accounted for |
| Income Taxes |
Utilizes estimated effective tax rates for federal and state
both pre and post retirement |
| Retirement Assets |
|
Model qualified and un-qualified assets
|
Full support for all asset types. |
Vary rates of return over time
|
Model investment strategies that become more conservative
as clients approach and reach retirement. |
| Unlimited contribution and withdrawal transactions for each
asset |
Model contribution and withdrawal strategies that match real
life. |
| Early withdrawal penalties |
Supported |
| Income Streams |
Model any retirement income streams. Pensions, part-time wages,
misc. income, Taxable or not, inflation adjustments, available
to survivor. |
| Life Insurance |
Model permanent and term, cash value and future income. |
Annuities
|
Accurately model fixed annuity assets. Support for accumulation
and annuitization. Quickly model laddering concepts as part
of a client’s complete retirement portfolio. |
Model fixed annuities
|
Immediate, Single premium deferred, Flexible premium deferred |
Model annuitization
|
Single life, joint life, period certain |
| Exclusion Ratios |
Accurately model taxation of annuitized income streams |
Asset Allocation
|
Optional Feature. Purchased as a separate add-on. |
Asset Classes
|
User can define unlimited number of asset classes |
Client Risk Profiles
|
User customizable |
| Allocation Percentages |
User customizable |
Audit Module
|
A built in review module records client interactions, recommendations,
meeting notes, etc. |
| hold-harmless agreement |
Auto-generated hold-harmless agreement protects you and your
organization from future E&O claims. |
| Additional Tools |
|
Product Comparison Tool
|
Compare and graphically illustrate performance of any 2 investments
over time. Generate powerful client-friendly comparison report. |
| Reverse Mortgage Calculator |
Generate income stream estimates for this alternate funding
strategy. |
Life Insurance Policy Comparison
|
Quickly compare and graphically illustrate future performance
of permanent and term life insurance policies. |
| Buy Term and Invest the Rest |
Quickly compare and graphically illustrate future performance
of permanent and term life insurance policies assuming that
client will in fact invest the policy premium difference in
a side investment account. Quickly dispel common opinions about
future performance. |
| PV/FV Calculators |
Quickly compute present and future values of any investment. |
| Fact Finders |
Customizable client surveys included. Short and long forms
available. |
| Results |
Colorful graphics and supporting spreadsheets can be viewed
inline rather then having to generate a report. Save time viewing
what-ifs and alternate scenarios. |
Reports
|
Professional, easy to understand and explain client reports
for each needs area. |
pdf formatted reports
|
View, print, e-mail pdf formatted reports. |
Editable disclosure text
|
Edit disclosure text included with reports to meet your compliance
department requirements. |
| Insert your corporate logos |
Users can import their business logos. |
Data Import/Export
|
Client cases stored in industry standard xml format. |
| Integration with other applications |
Currently integrated with Act4Advisors. Integration with other
CRM applications available upon request. |
