A modelling tool for regulated advisers. It recommends no product; the advice remains yours.
The Overview
The chance of running short, typical wealth, when savings run out, and for a couple, if one of them dies first; a sentence saying what it means; the fan; and what would help most.
One page for each question
Savings, Money in and out, Tax, Pensions and Property, each asked as questions and answered in a sentence before its chart, the life's events marked on it.
Try a change
The client's own choices as sliders (retiring later, spending less, a bigger buffer, the pension contribution, selling a property, moving), the change worked out across all 512 futures and shown against the plan as it stands. Nothing is saved until the adviser makes it the plan.
The hard decisions, side by side
A redundancy package, staying or moving, keeping or selling a let, how a pension is taken, Fair Deal or paying privately, and a couple's first death: each option with its fan, its chance of running short and its typical wealth. None is marked as the one to take.
Your plans
Every plan worked out for the client, on the same futures, side by side, with the changes that help most.
The brief, the pack and the audit
The client brief prints the plan in plain words in the firm's name; the verification pack works every tax of one simulated life from the law; the month-by-month audit shows that life's every figure. A First 20 minutes walk takes a new user through one household.
