Retirement Planning Software Panel
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1 Retirement Planning Software Panel MODERATOR Joel Bruckenstein Publisher of the Technology Tools for Today newsletter Contributing Editor, Financial Advisor Magazine PANELISTS Linda Strachan VP, Product Management Zywave (formerly EISI) Andrew Rudd Chairman & CEO Advisor Software, Inc. Pierre Bossaert Vice President Fiserv
2 NaviPlan and Profiles Capabilities In- depth planning for re1rement needs Holis1c, comprehensive tool Strengths in tax and cash flow capabili1es Fixed and discre1onary expenses match income to need Asset deple1on control Holis1c scenario manager Easily model and report on what ifs Probability analysis Addressing all risk factors Various annuity op1ons Health care expenses
3 Planning for the retired client Phase 1 Top priori1es Presenta1on Module Income Planning for Re1rees Focus on cash flow and net worth results Illustra1on rela1ve to the re1red client only NaviPlan Select Streamlined user interface Display appropriate milestones in Scenario Manager Adjust default start and end dates
4 Planning for the retired client Phase 2 Life1me re1rement income and risk management Bucket Approach Delaying RMDs as a planning strategy (Scenario Manager) Dividends as a paycheck Withdrawal rate in re1rement Change State of Residence in re1rement and accurately model taxes
5 Income Planning for Retirees NaviPlan Presenta1on Module SoUware telling a story Communica1ng concepts to the client
6 Retirement Planning Software Panel MODERATOR Joel Bruckenstein Publisher of the Technology Tools for Today newsletter Contributing Editor, Financial Advisor Magazine PANELISTS Linda Strachan VP, Product Management Zywave (formerly EISI) Andrew Rudd Chairman & CEO Advisor Software, Inc. Pierre Bossaert Vice President Fiserv
7 Goal-Planning Outline Goal-Planning Operationalizes financial planning Simple client-centric, presentation Sparks advisor-client conversation Engages client to collaborate Focused Reporting Designed around important client questions, e.g. - What is my plan? - Can I afford my goals? - How do I pay for my goals? - Am I on target? - What happens if.? - What should I do now? Institutional Caliber Analytics Base upon theory underlying Asset Liability Management (ALM) and Liability-Driven Investing (LDI)
8 What is my plan?
9 Can I afford my goals?
10 Retirement Considerations Retirement funding: Is an inflation and tax-sensitive, cash-flow matching problem Has a long-term horizon 50 + years Incorporates three decision variables - Accumulation policy - Withdrawal policy - Asset allocation / location Requires funding: - A minimum necessary expense goal - Exploiting risk premia in asset markets - Managing longevity risk Is not well represented by simplistic Monte Carlo Simulation There are lots of moving parts Requires holistic approach No single product solution
11 Retirement Planning Software Panel MODERATOR Joel Bruckenstein Publisher of the Technology Tools for Today newsletter Contributing Editor, Financial Advisor Magazine PANELISTS Linda Strachan VP, Product Management Zywave (formerly EISI) Andrew Rudd Chairman & CEO Advisor Software, Inc. Pierre Bossaert Vice President Fiserv
12 Impact of the Financial Crisis Ø Client Evolution Ø Regulation Impacts Ø Technology & Software
13 3 of Retirees Greatest Concerns Ø Longevity Ø outliving assets Ø Health risks Ø need for long term care Ø Financial and economic risks Ø stock market Ø inflation
14 Concerns of Longevity Risk Higher
15 Concerns of Health Risks Higher
16 Concerns of Financial and Economic Risks Higher
17 Addressing the Concern In preparing for battle, I have always found that plans are useless, but planning is indispensable Dwight D Eisenhower
18 Today s Key Software Components Ø Efficient design, Integrated Ø Interactive, collaborative and engaging Ø Addresses key risks and solutions
19 Case Study Jon and Ann are age 55 and 50 in good health Ø Net Worth of $1,185,000 Ø Combined annual income of $162,000 Ø Current expenses of $155,000 Ø Retirement age range when Jon reaches Ø Jon and Ann s risk assessment is moderate
20 Jon and Ann Appear to be on Track
21 But in a Poor Market, They Have a Problem
22 You Can Solve
23 Get Them On Track
24 And Explain Why LTC protec1on Survivor Needs Protec1on
25 For More Information Pierre Bossaert Gary Bondaug Jeremy Schlarb
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