Features | Income Solver

Core Modules

Strategies

Generate tailored and customizable strategies for your clients. Our award-winning strategy engine applies our research to recommend a withdrawal strategy or allows you to pick from an expansive list for a variety of scenarios.

Generate Strategies

Our software takes your client information and generates a wide variety of strategies based on our leading academic research. We highlight the “best” strategy as a place to start.

Strategy Ideas

We curate a list of strategies to make you efficient. The system identifies opportunities to speed up the process…

So you don’t need to go back and forth in your current financial planning software to figure out multiple account withdrawals, Roth Conversion amounts, Social Security strategies and other key decisions.

Strategy Analysis

A simple workflow to deep-dive on a single strategy. Vetted by advisors, we redesigned the workflow based on advisor feedback.

Additional, robust analysis details on cash flow, taxes, and investments if you want to drill down within the strategy.

Strategy Comparison

You select Custom Strategies or System Strategies to compare and publish…

This feature highlights the key differences and benefits of one strategy over another. You will be shocked how minor changes to elements of a strategy can impact a client. Presenting the “outcomes” of strategies side-by-side helps a client understand differences faster and without feeling overwhelmed with financial planning details they don’t care about.

Solutions

We have created a detailed Solutions Module that integrates with the Strategies Module. We are integrating financial planning for retirement with investment planning in a very detailed way not seen in our industry. Select new investments and income products. Build personalized programs and solutions aligned to your investment and income preferences.

Marketplace

A marketplace of multiple solutions for pre- and in-retirement clients. Access to Model Portfolios, Annuities, and other solutions to create…

New programs to propose to clients. Proposed new solutions are aligned to a detailed strategy to win new business.

Select NEW Investments

Our innovative “Builder” allows you to bring in new investments and income solutions, together.

Personalize new programs into a tax-efficient withdrawal strategy.

Phases, Segments, and Automated Risk

The system can automate asset allocation changes to make rebalancing more efficient…

Or, you can create custom time-segments or buckets to implement new investment and income solutions.

Proposal System, The Retirement IPS

Finally, a robust IPS and proposal system build for clients 50 years and over. Accumulation IPS are not as effective as Investment Policy Statements that identify the…

Items that matter to clients entering or in retirement.

Streams

Retirement income is all about generating and managing multiple income streams into one single paycheck for the client to live on in retirement. You can actively manage the process of providing income for clients through the use of utilities to generate cash, improve asset location, and rebalance assets to coordinate multiple income streams into a single “paycheck” for clients. We help you figure out, efficiently, what holding to sell to generate income with other income sources from the client.

“Easy Button” and Generate Cash

A turbo-utility that in one click recommends trades aligned to the over-time strategic withdrawal sequence.

Don’t leave money on the table with sub-optimal point in time analysis. The trades will change when you bring in a withdrawal plan to inform how you generate income. This button will save you hours of time coordinating a financial plan with the management of investments and income that you currently do today.

Income Overlay

Two key innovations drive additional “alpha:” 1) the plan or “overtime” Strategy which informs how to generate income…

when you trade to generate cash, and 2) the Overlay (the strategy) is over the entire household, not just the taxable account dedicated for only tax loss harvesting. Point-in-time analysis common in portfolio management systems come up with inefficient trading guidance. Our overlay shows you which accounts and holdings to liquidate aligned to a strategic tax efficient withdrawal plan.

Rebalancing and Asset Location

Household-based Rebalancing with Asset Location. Manage the same risk level but see how improved asset location adds “alpha.”

The overtime strategy informs how to rebalance and the velocity of asset location changes. Note, you can manage both account-level and household-level rebalancing and trades that are informed by the overtime strategic withdrawal sequence.

Social Security and Other Income

Use the top ranked and best Social Security advice engine to identify claiming strategies. Coordinate Social Security income, pension income, custom income, and insurance income together.

The leading insurance product database and analytics allows us to bring in annuity products and solutions for you to evaluate. Manage investment and Other Income efficiently to personalize managed income for each client more efficiently.

Advisor Alpha

Highlight your Advisor Alpha to win new clients.

Instantly calculate the added money you can find a client with better decumulation planning.

Manages the details getting clients more, up to 3% more! – use the software to quantify the value of your expertise to grow your practice

We’ve written about the value of quality advice for a long time. Our papers have been published in the Journal of Financial Planning, the Financial Analysts Journal and others, and our research has been confirmed by both Vanguard and Morningstar.

It’s called “Advisor Alpha,” and it’s the net returns your advice can garner for clients. According to Vanguard, the right ingredients can be managed to “add about 3% in net returns for your clients and also allow you to differentiate your skills and practice.”¹

The innovative Income Solver^TM software allows you to dynamically calculate, illustrate and present the gain your advice brings to a client’s portfolio. You can actually show clients what your advice is worth to them through:

It’s more than research…

Now you can visually show your clients the value you will be providing during their retirement.

No other software offers this powerful feature.

¹”Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.” March 2014, The Vanguard Group, Inc.

Advisor Alpha

Visually show your clients the value you will provide

Quantify your value – up to 3% more

Research-based differentiator

Dynamically calculate, illustrate, and present the added money you can find

Asset allocation and rebalancing
Asset location management
Withdrawal sequencing and which holdings to liquidate
Social Security optimization and coordination
Withdrawing to dedicated tax brackets
More!

Easy Button for Retirement Planning

We have created the Easy Button for Retirement Income Planning. It combines the Withdrawal Strategy with the investment choices you make for a client. In one click, you can see the trades and maneuvers to manage a personalized income stream for your clients.

Core Modules

Strategies

Solutions

Streams

Feature Spotlight

Advisor Alpha

Advisor Alpha

Easy Button for Retirement Planning

Save time. Deliver better advice to clients.

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