This monthly newsletter provides an overview of:
This monthly newsletter provides an overview of:
• Mutual fund industry vital signs (asset growth, sales and performance);
• Product development highlights for the month;
• Interesting facts about our industry.
A sales-oriented web suite designed to help advisors grow their business INVESTMENTS FINANCIAL PLANNING INSURANCE WealthElements is a comprehensive, customizable and fully integrated suite of tools designed to help financial advisors manage every element of their clients’ wealth. ■■ Ideal for use with existing ■■ Client data import through clients or as part of a client back-office integration. acquisition strategy. ■■ Connectivity to insurance ■■ Streamlined process that illustration systems. couples comprehensive analysis ■■ Aggregation of a broad range with speed and efficiency. of investment product data including mutual funds, ETFs, stocks, bonds and SMAs. ■■ Configurable at the corporate and individual level. Asset ■■ Supports multiple currencies. Allocation Analyst Electronic Investment ■■ Simple, multi-lingual interface. Application IGATION Policy Statement D NAV ■■ Customizable, client-friendly TE reports and proposals. A GR DA Insurance Net Worth TA S INTE Illustrations HARING INTCritical Illness Cash FlowInsurance Needs EG RA TE D R E P O RT I N G Disability Retirement Needs Insurance Needs Life Education Needs Insurance Needs
Each of the WealthElements modules can be used on its own or in conjunction with any numberof integrated modules to create a customized proposal that is right for your client. InvestmentsA simple 4-step portfolio construction and analytics process that helps build a compelling case for your investmentrecommendations.The Asset Allocation Analyst module’s comprehensive list of analytics range from a simple investment growthchart to Alpha, Sortino and Monte Carlo metrics, allowing you to create a proposal that is as simple or complex as required. MARK BOKER MARK BOKER 1 2 MARK BOKER MARK BOKER ABC111 Fund 1 3 4 ABC222 Fund 2 ABC333 Fund 3 ABC444 Fund 4 ABC111 Fund 1 ABC222 Fund 2 ABC333 Fund 3 ABC444 Fund 4 ABC555 Fund 5Create an Investment Policy Statement (IPS) outlining general portfolio objectives and strategies as agreed to with your client.This important document helps set appropriate portfolio expectations and reduces the likelihood of any misunderstandingswith your client. Financial planningCreate a detailed assessment of your client’s assets (investable MARK BOKERand non-investable), liabilities and net worth – a key measurein tracking financial well-being.
A listing of all incomes and expenses helps determine Calculate post-secondary education savings needs byhow much more your client can contribute towards their considering such variables as a child’s current age, expectedfinancial objectives. numbers of years of post-secondary education, expected costs and the relevant government grants. Use the alternate scenario sliders to immediately assess the impact of changes to the current plan.Calculate retirement savings needs by considering such variables as investor age, target retirement date, life expectancy,current and future incomes and expenses and retirement savings. With a clear projection of the investor’s current retirementplan, use the alternate scenario sliders to immediately assess the impact of changes to the current plan. MARK BOKER InsuranceCalculate life insurance needs by considering such Calculate the amount of income required should a disabilityvariables as an investor’s current age, expected retirement prevent your client from working.age, net income, liabilities and existing insurance coverage. MARK BOKER Calculate the amount of critical illness insurance your clients may need by considering their current incomes and other expenses they would want to cover by a lump-sum benefit payment. Instantly obtain insurance premium quotes through insurance illustration system integration. USE THIS FORM TO START OR CHANGE YOUR RRSP INVESTMENT INSTRUCTIONSUsing the information collected throughout the variousmodules, WealthElements can automatically completeapplication, investment instruction and transfer forms.
Reports & ProposalsWealthElements provides you with the tools you need to efficiently generate industry-leadingreports and proposals customized to any client’s particular needs. ASSETS & LIABILITIES DETAILS YOUR RETIREMENT NEEDS - CURRENT PLAN YOUR EDUCATION NEEDS - CURRENT PLAN The following values have been provided by you and should reflect your best estimate of your total assets and liabilities. You have identified the current investments listed below as investments that will be used to fund your child/childrens post- secondary education. You are not on target to achieve your goal. Assets Liabilities Investable Non-Investable The estimated total value of the selected account(s) will be $1,179,728 at the time of retirement. Based on the $439,150 $550,000 assumptions provided, this will result in a shortfall of $1,993,718 at the end of the projection period. Example, Junior Based on this scenario, the household will experience a retirement income shortfall when Jill Example reaches 70. Investments Name Type Total Expected Return Owner The projection below displays the calculated change in the value of your investments year by year for the Juniors RESP RESP $9,756.00 5.00% Example, Jack duration of your estimated life expectancy. You are not on target to achieve your goal. $2,000,000 Home $550,000 Jills TFSA $13,750 Juniors RESP $9,756 Based on the assumptions provided, Junior Example will require savings of $96,945.11 at the time post- Home Mortgage $257,900 Personal Line of Credit $54,236 secondary education begins in order to meet education related expenses. Retirement Account $415,644 Based on the current savings strategy, the estimated value of the education savings at the time this child $0 begins post-secondary education will be $12,451.40. $100,000 Name Amount Owner Type ($2,000,000) 50 60 70 80 90 Assets $50,000 $96,945 Life expectancy (Jill Example) Registered Investments Registered Investments Retirement year (Jill Example) Non-Registered Investments Projected Costs Retirement Account $415,644.00 Example, Jack RRSP/RRIF Life expectancy (Jack Example) Shortfall Retirement year (Jack Example) Juniors RESP $9,756.00 Example, Jack RESP Projected Savings $12,451 $0 Non-Registered Investments Shortfall Jills TFSA $13,750.00 Example, Jill TFSA ($84,494) Personal Properties This projection displays your various incomes sources, your retirement income objective and an achievable ($50,000) Home $550,000.00 Example, Jack Residence goal year by year for the duration of your estimated life expectancy using the assumptions you provided. Liabilities Long-Term Liabilities ($100,000) $200,000 Home Mortgage $257,900.00 Example, Jack Mortgage Liabilities Personal Line of Credit $54,236.00 Example, Jack Line of Credit $100,000 $0 70 80 90 Age of Jack Example Income Goal Other Income Pension Benefits Sav. Withdrwls Shortfall Earned Income Gov. Benefits Loans This report is provided for illustration purposes only. The ability to forecast your future financial situation is impacted by a wide variety of factors many of which This report is provided for illustration purposes only. The ability to forecast your future financial situation is impacted by a wide variety of factors many of which can change significantly over time and not all of which can be included in this calculation. You should regularly review your current financial position and can change significantly over time and not all of which can be included in this calculation. You should regularly review your current financial position and future goals to improve the likelihood of achieving success. future goals to improve the likelihood of achieving success. REPORT PREPARED FOR MR JACK EXAMPLE AND MRS JILL EXAMPLE ON 05/24/2012 Page 6 of 32 REPORT PREPARED FOR MR JACK EXAMPLE AND MRS JILL EXAMPLE ON 05/24/2012 Page 12 of 32 REPORT PREPARED FOR MR JACK EXAMPLE AND MRS JILL EXAMPLE ON 05/24/2012 Page 20 of 32 SEE DISCLAIMER PAGE. SEE DISCLAIMER PAGE. SEE DISCLAIMER PAGE. INVESTMENTS FINANCIAL PLANNING INSURANCEAbout EquiSoftEquiSoft specializes in the design and development of digital business solutions for the financial and insurance industries. To find out more about our products,custom solutions or our expertise on demand, please visit our website: www.EquiSoft.comwww.wealthelements.com | email@example.com | 1-866-790-3141