Life Needs Analysis
- Determine the amount of life insurance needed based on your goal plan, not a "rule of thumb"
- Show the impact of variables such as: a stay-at-home surviving spouse returning to work, changing the
investment portfolio, adjusting goals, etc. on the amount of life insurance needed
Disability Needs Analysis
- Display the income to be replaced by your investment portfolio in the event of a disability
- Demonstrate the mitigating impact of a stay-at-home spouse returning to work
Long-Term Care Needs Analysis
- Use state-specific data to show the effect of long-term care costs on the portfolio
- Integrate the purchase of a long-term care policy into the goal plan
Stock Options
- Ability to create multiple grants and vesting schedules
- Show the effect of using different exercise scenarios and return assumptions for the stock
Goal Strategies
- Enhance What-If plans by showing the impact of purchasing an immediate annuity, establishing a 72(t)
distribution, or utilizing NUA treatment for qualified distributions
- Ability to use one or more strategies in a single What-If plan
Stress Testing
- Illustrate the impact of return risk (variability of investment returns) on the outcome of a plan
- Choose from several different tests—Bad Timing, Rolling Periods, Back Test, and Class Sensitivity
Monte Carlo
- Use the Beyond Monte Carlo methodology to determine the probability of success for meeting all goals in a plan
- Fine tune the analysis by adjusting/deleting goals
Estate
- Display the current estate situation and the benefit of establishing a Bypass trust
- Create and show the impact of basic estate planning techniques such as: gifting, ILITs,
and transfer of life insurance policies, on both the estate plan and the goal plan
Create Portfolios
- Add/delete asset classes and change asset class returns and standard deviations
- Build your own custom portfolios which can be optimized with or without constraints
Optimization
- Optimize portfolios and create an efficient frontier based on user-defined constraints
- Ability to display the efficient frontier graph (instead of "risk vs. return" graph) on the Target Portfolio page
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