Financial planning made simple

This module comprehensively analyses a clients’ existing investments, allowing advisers to create investment solutions consistent with their clients’ financial objectives and risk appetite.

• Term-based risk profiling - results, benchmarks, and risk profiling consider the term of the investment objective.
• Firm-specific risk benchmarks - Suitability based on your benchmarks if desired.
• Multi-layer fund risk profiling - shows the risk profile of each fund, portfolio, product and any combination of products.
• Growth and Income objectives - risk rating methodology for both accumulation and decumulation client objectives.

This module helps advisers easily create and communicate cash flow plans covering all stages of life, including pre, at, and post-retirement. Thus, making it easier for their clients to meet their financial life goals.

• Capacity for loss - robust capacity for loss cash flow metrics
• Likelihood of meeting expenses - probability of meeting expenditure every year across over 1,000 different independent market scenarios. Other tools are either based on funds at the end of the term or look at a single or few scenarios.
• Expenses met - worst case scenario drop in essential income to show that the base standard of living is maintained no matter what happens, or the level of the problem if it’s not possible.
• Asset adequacy - identification of a group of assets now compared to the amount required to meet the goal, and hence the level of capacity.
• Integrated risk suitability - the only solution that shows the probability of the plan working, taking into account the risk and reward of each asset, fund, portfolio and product as the standard output.
• Realistic annuity pricing - select type of income drawdown product, view product's cash-in value and view annuity prices.  
• Inheritance tax planning - gain immediate impact analysis and simplify complex financial planning with our gift section. 
• Calculate sustainable expenses - shape sustainable retirement scenarios that reflect your clients' aspirations based on their income and assets available.

The portfolio risk rating module enables users to risk rate funds and produce a simple report. Any model portfolio added will show its risk rating and the asset allocation. 

• Risk rate a single fund or a number of funds to create a model portfolio.
• View the underlying asset allocation
  and the forecasted annual mean
  return.
• Use our quick search fund functionality or add a fund manually.
• Risk rate on a growth basis or an
  income basis.
• Import model portfolios in bulk.
• Publish and share with advisers.
• Deletions are added to history for
  accurate records.
• Create a report at the press of a button

Available as a bolt-on to the EVPro Invest and EVPro Goal modules, you can add more value by finding additional problem-solving solutions with just a click of a button. Powered by our realistic stochastic asset model, this automated functionality tool will help you solve your clients' problems more efficiently.

• Optimisation solvers - Find the best possible plan by optimising individual factors, such as when your client can retire, how much to save, or allocating funds to meet their suitability requirements.
• Rapid plan stress tests -  check that the clients' plan can cope with multiple challenges. Market risks are considered in the main outputs and cover seven critical stress tests around economic changes, such as Inflation risk, diversification risk, sequencing risk, etc. This provides over 10,000 stress test scenarios across nine different stress tests.

Available as a bolt-on to the EVPro Goal module, this client review tool allows you to analyse, amend, and communicate your clients’ financial plans with a practical and easy client management framework while understanding the robustness of your overall advice business.

• Oversight - create a consistent view across your business and identify where there could be issues with your clients’ financial plans
• Regulation - provides a clear understanding of what the overall firm position is from a risk perspective of potential client complaints.

This NEW module provides advisers with comprehensive updates on the market, models, and performance. Additionally, it includes an Interactive Asset Allocator, allowing users to analyse the expected risk, return, and efficiency of various asset mixes.

• View market events - gain a summary of main market events over a quarter and the impact on investments. 
• Asset outlook - relate changes in asset outlook to market events.
• Optimal portfolios - make sense of updates to optimal portfolios.
• Asset allocations - access to our time-tested asset allocations.
• Client experience - provide rational and market-consistent narrative to clients.