Financial Needs Analysis Modules

Comprehensive financial needs analysis modules give a more detailed approach to financial planning. The colorful, logically-structured PDF reports make it fun and easy to present traditionally difficult concepts to your clients and prospects. Detailed year-by-year illustrations eliminate any "black box" calculations. Typically these modules would be completed in a back-office setting with the PDF report printed, archived and presented across a desk, however, because it is now web accessible you may find it easier to complete on-site with your client. Call for pricing.

Retirement Planning

This module provides a detailed approach to retirement planning. The analysis takes into account existing savings plans and future fixed income receipts such as Social Security, rental income and employer pensions. Further, you can generate "what-if" scenarios with or without Social Security, differing the investment returns and inflation, and whether or not you wish to leave a legacy to heirs or deplete the principal. The result pages will recommend any additional taxable or tax-deferred savings that will be needed to meet the stated retirement goal.

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adv01: Retirement Planning Module

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Sample Report

College Planning

The comprehensive college module takes into account individual education funding goals. Recommendations will look at both taxable savings accounts and tax-deferred savings options such as 529 plans. Year-by-year detail is provided to help illustrate the calculations.

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adv02: College Planning Module

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Sample Report

Survivor Life Insurance Needs

The survivor needs analysis module accommodates staggered insurance needs such as one income replacement goal when the children are at home and another when the surviving spouse is alone in receipt of Social Security benefits. Upon the death of a spouse, there are typically immediate cash needs such as funeral, debt retirement, and medical expenses followed by long-term income replacement needs. Consideration is also given to existing resources such as investments, cash accounts, and current life insurance. It also allows for adjustments to surviving spouse income to reflect the need to go back to work or cut back on work to take care of family members.

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adv03: Survivor Life Insurance Needs Module

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Sample Report