Dynamic Planner

Dynamic Planner is a comprehensive web-based financial planning tool that allows you to use techniques such as risk profiling, asset allocation, cash flow planning, stochastic forecasting and the creation of goal based financial plans to build longer term, more profitable relationships for you and your clients.

Life planning

Dynamic Planner removes the hard work and complexity from developing financial and investment strategies, enabling you to create high quality, action orientated plans that help your clients and prospects understand:

• What is required to meet their financial goals
• Their financial priorities and the ‘trade offs’ between their goals
• What actions they need to take to achieve their goals

Much of the power of Dynamic Planner lies in the ability of each component to talk to each other. For example, if a client needs to invest more to achieve a given retirement income then this extra expenditure is automatically analysed against future cash flows, this in turn can be analysed against the affordability of mortgage payments, both currently and with, say, a 2% rise in interest rates.

Investment planning

Unlike other systems, Dynamic Planner brings risk profiling, allocation and tried and tested stochastic forecasting into a single, seamless process, meaning that you don’t need to use a number of different applications to create investment strategies for your clients.

The result is the creation of high quality, professional investment plans quickly and easily, utilising powerful graphical analysis to help communicate to clients that they need to take action, both on their existing assets as well as any new money.

Dynamic Planner includes the ability to create and use model portfolios as well as a full range of fund analysis and selection functionality.

Retirement planning

Dynamic Planner automatically brings all of a client’s assets and income streams together to enable you to build a retirement plan, using risk profiling, asset allocation and stochastic forecasting – again, creating a much more effective solution for clients quickly and easily.

Protection planning

Ensuring financial security in the event of serious illness, being unable to work or early death is critical to a sound financial plan. Dynamic Planner looks at the household’s financial needs and current insurance policies for life insurance, critical illness and income replacement, and creates a protection plan highlighting areas that do not have a suitable level of financial protection in place, enabling the generation of cross-sales.

Mortgage planning

Dynamic Planner enables the effective management of mortgage debt, which for many people is their most significant expenditure. The cost and affordability of new mortgages can be analysed, while the opportunities to re-mortgage or pay off their mortgage early and save money are also reviewed.

Estate planning

Dynamic Planner enables the swift and effective modelling of most wills and estates, based upon pulling through details of client’s assets and liabilities from other areas of the application. It provides comprehensive IHT calculations, including those involving complex cummulations of PETs and Chargeable Transfers, which is key functionality following the 2006 Finance Act.