Voyant Adviser Previous Release Notes

Version 4.0.17 Release Notes - 2015-05-28

Fixes and Improvements in version 4.0.17


Version 4.0.16 Release Notes - 2015-05-15

Fixes and Improvements in version 4.0.16


Version 4.0.15 Release Notes - 2015-05-13

Fixes and Improvements in version 4.0.15


Version 4.0.14 Release Notes - 2015-04-21

Fixes and Improvements in version 4.0.14


Version 4.0.12 Release Notes - 2015-04-12

Fixes and Improvements in version 4.0.12


Version 4.0.11 Release Notes - 2015-03-21

Fixes and Improvements in version 4.0.11


Version 4.0.9 Release Notes - 2015-03-09

Fixes and Improvements in version 4.0.9


Version 4.0.7 Release Notes - 2015-02-22

Fixes and Improvements in version 4.0.7


Version 4.0.6 Release Notes - 2015-02-06

Fixes and Improvements in version 4.0.6


Version 4.0.5 Release Notes - 2015-01-23

Fixes and Improvements in version 4.0.5

General UI improvements


Version 4.0.4 - 2015-01-13

The Voyant ORIGINAL chart colours are back! Now if I might divert your attention.... how about that new Cadbury Creme Egg recipe?

Other Fixes and Improvements in version 4.0.4


Version 4.0.3 - 2015-01-12

By popular demand, the "old man socks" colour palette is back for Voyant charts.

Thanks for the feedback on the new UI. Additional suggestions for improvement will be incorporated in the next release.

Other Fixes and Improvements in version 4.0.3


Version 4.0.2 - 2015-01-10

Voyant is starting off the new year with a new style. We hope you dig it!

Other Fixes and Improvements in version 4.0.2


Version 3.7.12 Release Notes - 2014-11-24

Fixes and Improvements in version 3.7.12


Version 3.7.11 Release Notes - 2014-11-01

Fixes and Improvements in version 3.7.11


Version 3.7.10 Release Notes - 2014-09-23

Fixes and Improvements in version 3.7.10


Version 3.7.8 Release Notes - 2014-09-01

Fixes and Improvements in version 3.7.8


Version 3.7.4 Release Notes - 2014-08-07

Fixes and Improvements in version 3.7.4


Version 3.6.28 Release Notes - 2014-06-06

Fixes and Improvements in version 3.6.28


Version 3.6.27 Release Notes - 2014-04-12

This release fixes issues caused by changes made by FinaMetrica to images in their risk profile reports.


Version 3.6.26 Release Notes - 2014-04-04

Fixes and Improvements in version 3.6.26


Version 3.6.24 Release Notes - 2014-02-25

Fixes and Improvements in version 3.6.24


Version 3.6.23 Release Notes - 2014-02-02

Fixes and Improvements in version 3.6.23


Version 3.6.21 Release Notes - 2014-01-22

Fixes and Improvements in version 3.6.21


Version 3.6.17 Release Notes - 2013-11-20

Fixes and Improvements in version 3.6.17


Version 3.6.4 Release Notes - 2013-07-22

Fixes and Improvements in version 3.6.4


Version 3.6.3 Release Notes - 2013-07-20

Fixes and Improvements in version 3.6.3


Version 3.6.1 Release Notes - 2013-06-26

Fixes and Improvements in version 3.6.1


Version 3.6.0 Release Notes - 2013-05-20

Fixes and Improvements in version 3.6.0


Version 3.5.6 Release Notes - 2013-05-10

Fixes and Improvements in version 3.5.6


Version 3.5.4 Release Notes - 2013-04-19

Fixes and Improvements in version 3.5.4


Version 3.4.19 Release Notes - 2013-03-15

Fixes and Improvements in version 3.4.19


Version 3.4.17 Release Notes - 2013-03-04

Fixes and Improvements in version 3.4.17


Version 3.4.16 Release Notes - 2013-02-12

Fixes and Improvements in version 3.4.16


Version 3.4.11 Release Notes - 2012-11-11

In this release...

Other Fixes and Improvements in version 3.4.11


Version 3.4.7 Release Notes - 2012-09-14

Fixes and Improvements in version 3.4.7


Version 3.4.6 Release Notes - 2012-08-27

Fixes and Improvements in version 3.4.6


Version 3.4.4 Release Notes - 2012-08-10

Fixes and Improvements in version 3.4.4


Version 3.4.2 Release Notes - 2012-07-21

Fixes and Improvements in version 3.4.2


Version 3.4.0 Release Notes - 2012-07-01

Updated User Interface

Version 3.4.0 brings an updated and enhanced user interface (UI) to Voyant.

The most noticeable change is the way Advanced Settings are displayed and edited. By default, each individual advanced detail section will popup into its own separate dialog. This provides more room for editing items such as "Step Up/Step Down" or Transfers.

If you prefer the previous expand collapse mechanism, a new preference in the "Application Preferences" section, "Edit Advanced Details in popout dialogs", can be unchecked to restore the functionality to the previous mechanism.

In addition to numerous cosmetic changes, certain data entry screens have been re-organized to make basic data entry as easy as possible.

Optional Basic Expenses Line on Cashflow Chart

A line showing the total basic expenses in each year can now be shown on the Cashflow charts. This line simply shows the total for all expenses categorized as Basics. Keep in mind that this line does not include any tax expenses. The line can be toggled on and off from the Plan Preferences, or from the "Show/Hide Basic Expenses" link underneath the chart.

Other Fixes and Improvements in version 3.4.0


Version 3.3.23 Release Notes - 2012-06-21

This release is a simple maintenance release to update the Voyant security signature which was set to expire on June 22, 2012.


Version 3.3.21 Release Notes - 2012-06-05

Fixes and Improvements in version 3.3.21


Version 3.3.17 Release Notes - 2012-05-07

This update adds improvements to the recently introduced Income vs. Expenses screen. Clickable links have been added to each item in the Income vs. Expenditures screen, as well as the Family Balance Sheet screen, to the data entry screen for the clicked item.

Additionally, each year of the plan may be viewed on both the Income vs. Expenses and Family Balance Sheet screens.

The Income vs. Expenses also adds an optional checkbox to toggle whether income from pension drawdowns and other withdrawals are included in the income portion of the statement.

Fixes and Improvements in version 3.3.17


Version 3.3.16 Release Notes - 2012-04-21

Fixes and Improvements in version 3.3.16


Version 3.3.15 Release Notes - 2012-04-15

Fixes and Improvements in version 3.3.15


Version 3.3.6 Release Notes - 2012-03-02

Asset allocation returns / market assumptions - Added a new feature to approximate geometric means from arithmetic means for the deterministic cashflow. To enable, go to Preferences -> Market Assumptions and select "Assumptions Type: ARITHMETIC" and check "Approximate Geometric Mean for default calculation." Users with custom market assumptions in their rebrands should email support to update your rebrand if automatic defaulting to use the geometric approximation is desired.

Other Fixes and Improvements in version 3.3.6


Version 3.3.2 Release Notes - 2012-02-09

Other Fixes and Improvements in version 3.3.2


Version 3.3.1 Release Notes - 2012-01-27

Estate Planning

Voyant's award winning UK Estate and Inheritance Tax module has been redesigned for the US and is now available.

Features include:

To begin using the estate planning module:

(*) Default distribution - 100% to spouse or children

Coming soon:


Version 3.2.90 Release Notes - 2012-01-20

Fixes and Improvements in version 3.2.90


Version 3.2.89 Release Notes - 2012-01-13

Cashflow Chart Improvements

By popular request, this release contains the following improvements to the cashflow chart.

Other Fixes and Improvements in version 3.2.89


Version 3.2.87 Release Notes - 2011-12-16

Current Net Worth/Wealth Statement Screen and Report added

The "Current Net Worth/Wealth Statement" has been one of the most highly requested new features. This release delivers this statement in a form Voyant calls the current or start of plan "Family Balance Sheet". To view the Family Balance Sheet screen, click "Overview" below the "Let's See" button on the left, and then click the "Balance Sheet" tab. To create a PDF or Word report, add the "Family Balance Sheet" to the list of selected reports to generate.


Version 3.2.84 Release Notes - 2011-12-8

Features and Improvements in version 3.2.84


Version 3.2.81 Release Notes - 2011-12-2

Features and Improvements in version 3.2.81


Version 3.2.80 Release Notes - 2011-11-30

Fixes and Improvements in version 3.2.80


Version 3.2.79 Release Notes - 2011-11-08

Fixes and Improvements in version 3.2.79


Version 3.2.77 Release Notes - 2011-10-23

Features and Improvements in version 3.2.77


Version 3.2.76 Release Notes - 2011-09-30

This release includes two often requested features - Plan Notes and Saved Report Sets!

Other Features and Improvements in version 3.2.76


Version 3.2.75 Release Notes - 2011-09-24

Fixes and Improvements in version 3.2.75


Version 3.2.74 Release Notes - 2011-09-14

Fixes and Improvements in version 3.2.74


Version 3.2.71 Release Notes - 2011-08-19

This release includes a common request from users. A separate preference has been added to specify the default savings growth/interest rate independent of the default investment growth rate. Newly added savings accounts will now use this preference to default rate instead of the default investment growth rate.

Fixes and Improvements in version 3.2.71


Version 3.2.63 Release Notes - 2011-06-21

The RPI preference is now used as the basis for the "Real Money" chart instead of the CPI preference.

Fixes and Improvements in version 3.2.63


Version 3.2.58 Release Notes - 2011-05-16

Fixes and Improvements in version 3.2.58


Version 3.2.57 Release Notes - 2011-05-06

This release includes an update is to the historic data set, which has been updated to include the years 2007, 2008, 2009, and 2010.

The Major Loss Event features now use this historic data set to calculate and default the major loss asset allocation percentile for a specified growth rate.
E.g. For a major loss event growth rate of -25%, the asset allocation percentile is set to 2.

Fixes and Improvements in version 3.2.57


Version 3.2.53 Release Notes - 2011-04-16

New Major Loss/Crash Special Event Simulation

This release adds a new feature simulation and special event type, Major Loss. The Major Loss Event and simulation allow an one to conveniently simulate a major performance change in the growth of investments lasting from 1-5 years. This makes it easy illustrate what a plan may look like if such a market occurred at different points during the planning timeline, such as 1 year before retirement, or 3 years into retirement.

This feature provides another tool to the adviser to help determine and illustrate an individual client's capacity for loss.

There are two ways to use this feature:

Major Loss Chart Simulation

From the Chart, Click the "Major Loss" button text next to Simulations. This tab allows you to run a Major Loss simulation in the current plan. Specify the age of primary client when the event will occurr. Click the Settings button to define the nature of the major loss event. Define the length of the Major Loss from 1-5 years, and specify the growth rate and asset allocation percentiles for each year in the event.

To simulate something like 3 year double dip (The following numbers are given as an example)
Year 1 specify -35% and 0%ile
Year 2 specify 20% and 79%ile
Year 3 specify -20% and 4%ile

Select the Event to perform the Required Rate of Return analysis, and click Analyze. The two ? buttons explain the results of the analysis.

Adding a Major Loss Event to a What-If Plan

Create a what if plan, and go to the timeline screen. Drag the Major Loss event icon on to the timeline. Click the Event Settings at the top of the screen to edit the nature of the major loss event. Default values may be set in the Preferences section. Click Let's See to view the plan with the Major Loss Event. The timing of the event may be changed by clicking Edit Time and dragging the event to a new year.

Other Fixes and Improvements in version 3.2.53


Version 3.2.51 Release Notes - 2011-04-01

New Features

Other Fixes and Improvements in version 3.2.51


Version 3.2.50 Release Notes - 2011-03-19

New Features

We are pleased to announce the availablity of the integration with FinaMetrica's risk profiling system. Please contact us at support@planwithvoyant.com to enable the integration features for your subscription or your trial. You must be a user or trialist of FinaMetrica in order to use the integration features.

To learn more about FinaMetrica's risk profiling system, please checkout www.riskprofiling.com.

The package is free for the remainder of the year for all subscribers who have signed up by June 30th, 2011.

New Asset Allocation Overview

This release also features a complete makeover of the Asset Allocation Overview. The overview includes a new 3D pie chart of the asset allocation in the plan at each event or stage. When using the FinaMetrica risk profile, the asset allocation overview also provides a risk comfort zone comparison between the asset allocation at various points in the plan and the client's risk tolerance comfort zone.

Additionally, one may calculate the required rate of return (RRoR) for the plan from any event in the stage from the overview. An asset allocation overview report features the same 3D pie chart, RRoR from the start of the plan, and FinaMetrica Risk Comfort Zone chart.

One may find the new Asset Allocation Overview screen by clicking on the Overview button beneath "Let's See", and then clicking on Asset Allocation.

Other Fixes and Improvements in version 3.2.50


Version 3.2.43 Release Notes

New Features

Fixes and Improvements


Version 3.2.41 Release Notes

This is a bug fix release.


Version 3.2.38 Release Notes - 21/01/2011


Version 3.2.34 Release Notes


Version 3.2.31 Release Notes


Version 3.2.30 Release Notes

Fixes and improvements in Version 3.2.30


Version 3.2.29 Release Notes

New Features

Fixes and improvements in Version 3.2.29


Version 3.2.28 Release Notes

New Features

Fixes and improvements in Version 3.2.28


Version 3.2.27 Release Notes

Fixes and improvements in Version 3.2.27


Version 3.2.22 Release Notes

New Features

Fixes and improvements in Version 3.2.22


Version 3.2.20 Release Notes

Voyant has added support for separately specifying dividend and interest yield for each asset class in the Market Assumptions. This change allows Voytant to more precisely calculate the tax implications of growth in Unwrapped Investments. For each asset class in the Market Assumptions, users may specify the average dividend or interest yield produced by the asset class. The Cash asset class is now considered to produce 100% interest yeild.

Checkout the Preferences -> Market Assumptions section to see how this data can be added.

Rebrand customers should contact support if you would like to modify your custom Market Assumptions to include the specification of this data.

Additionally, yield may now be NOT reinvested for all accounts types excluding Life Funds.

New Features

Fixes and improvements in Version 3.2.20


Version 3.2.19 Release Notes


Version 3.2.17 Release Notes

New Features

Other fixes and improvements in Version 3.2.17


Version 3.2.15 Release Notes

New Features

Other fixes and improvements in Version 3.2.15


Version 3.2.13 Release Notes

This update includes one fix to the ordering of accounts used to fulfill co-owned expenses to use

For example, previously, if an expense was owned by both Bob and Alice, the following is the order of accounts that would be used to fulfill the expense, provided the plan was configured to liquidate taxable accounts before tax free accounts.
Bob and Alice's Joint Savings Account
Bob's Savings Account
Bob's Roth IRA
Alice's Savings Account
Alice's Roth IRA

The ordering was corrected to make sure the taxable accounts of all co-owners are used before tax free accounts are used. The ordering for the example is now:
Bob and Alice's Joint Savings Account
Bob's Savings Account
Alice's Savings Account
Bob's Roth IRA
Alice's Roth IRA

The other major change in this release is to the "Performance" slider. For accounts using asset allocation, the very top and bottom of the slider represents 1 standard deviation change up or down respectively from the 50 percentile return of an asset allocation. For accounts grown using a hand entered growth rate, or the default growth rate, each tick on the slider now represents a +/- .5% change in the specified growth rate. Before, the tick represent an exact growth rate from 0-12%.

For example, previously, with the slider in the middle, all accounts not using asset allocation would use a growth rate of 6%. Now, these asset allocations will use the growth specified from the account screen. With the slider at the very top, and account with a specified growth rate of 8%, will return 14%. With the slider at the very bottom, the account will return 2%. The caveat is that accounts with 100% Cash allocation, or savings account composed will return a minimum return of 0%. Hence, if an account is set with a growth rate of 3%, then the very bottom of the slider will use a return 0% rather than -3%, if the account is a savings account or uses a 100% Cash allocation.

New Features

Other fixes and improvements in Version 3.2.13


Version 3.2.10 Release Notes

Budget 2010 Updates

Additions and improvements in Version 3.2.10


Version 3.2.9 Release Notes

Additions and improvements in Version 3.2.9


Version 3.2.7 Release Notes

Additions and improvements in Version 3.2.7


Version 3.2.0 Release Notes


Version 3.1.11 Release Notes

New features and improvements in Version 3.1.11


Version 3.1.8 Release Notes

Fixes and improvements in Version 3.1.8


Version 3.1.6 Release Notes

Fixes and improvements in Version 3.1.6


Version 3.1.5 Release Notes

Fixes and improvements in Version 3.1.5


Version 3.1.4 Release Notes

Fixes and improvements in Version 3.1.4


Version 3.1.3 Release Notes

Fixes and improvements in Version 3.1.3


Version 3.1.1 Release Notes

Fixes and improvements in Version 3.1.1


Version 3.0.21 Release Notes

Complete list of bug fixes and improvements in Version 3.0.21


Version 3.0.19 Release Notes

This release includes one new feature requested by a number of our advisers, a liquid assets chart., which is essentially the assets chart, excluding all property (non-liquid assets). A liquid assets report is also available as a separate report.

Complete list of bug fixes and improvements in Version 3.0.19


Version 3.0.18 Release Notes

Improved handling of Lump Sum Credits - Lump sum credits such as windfalls and inheritance are now transferred to cash accounts after expense fulfillment. This improves the cashflow chart in that it eliminates the misleading "spikes" in the chart caused by displaying credits which were not previously available to fulfill expenses.

Real Money Chart View - An additional option has been added to display the charts in the context of real money where all values have been adjusted by the RPI. This new feature is enabled by clicking the "Real Money" button at the bottom of the chart / "Let's See" view.

Other issues and improvements in Version 3.0.18


Version 3.0.17 Release Notes

This release contains significant improvements to the distribution of cash inflows from lump sum payouts and liquidated assets.

New Dedicated Cash Accounts to Receive Excess Cash Inflows - Funds from lump sum cash inflows (e.g. liquidated assets, lump sum payouts from pensions and insurance policies) and yearly excess income (when applicable), which were previously deposited into a single default cash account (current or savings) will instead be distributed into new dedicated cash accounts. Dedicated cash accounts will be created by the software for each person in a plan. Funds will be deposited into these dedicated accounts based on ownership of the cash inflow.

A new sweep account feature has been added to enable the regular transfer of funds from dedicated cash accounts into any range of investments, savings and pensions.

Taxable and Tax Free accounts may now specify a draw down strategy in addition to the previously allowed withdrawal limit settings.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.17


Version 3.0.16 Release Notes

This release fixes a bug in the Voyant Consumer version that prevented reports from being created.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.16


Version 3.0.15 Release Notes

This release fixes a bug in Java that prevented older Mac computers from being able to login from the applet or the desktop application.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.15


Version 3.0.14 Release Notes

This release fixes an issue in the expense report where the expense total was double the actual total expenses.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.14


Version 3.0.13 Release Notes

We've corrected the issue where expenses linked to a property with a single owner were dropped from the plan after the owner's death even though the property had not been liquidated.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.13


Version 3.0.12 Release Notes

This release includes some minor bug fixes.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.12


Version 3.0.10 Release Notes

This release includes the addition of a feature highly requested by UK Advisors; the ability to link the payout of any life insurance policy to the payoff of a debt or set of debts. In addition to the debt payoff, the modelling of endowment life policies has been added as well. Report enhancements continue to be added as well.

To link a debt payoff to a term life insurance policy

  1. Go to the newly named "Term & Endowment" screen located under "Protection".
  2. Enter the basic data of a normal life insurance policy
  3. Expand the details section titled "Link Insurance Payout to Debt Payoff"
  4. Click the "Add" button in the details section in order to select a debt from the plan to link to the insurance payout. You may add as many debts as desired to the insurance. The debt must however already be added to the plan before you may use the link debt details section to link it to the insurance.

To model an endowment life policy:

  1. Go to the newly named "Term & Endowment" screen located under "Protection".
  2. Enter the basic data of a normal life insurance policy
  3. Expand the details section titled "Payout At End of Term (Maturity)"
  4. Select the "Receive Payout at end of term (Policy Maturity)" checkbox
  5. Enter a value for the "Current Maturity Value"
    The value entered here will depend on how you want to model the growth of the endowment.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.10


Version 3.0.8 Release Notes

This release fixes a number of behind the scenes bugs as well as a few showstoppers. Additionally, a number of improvements to reports styling have been added.

Noteworthy Calculation Changes

Complete list of issues fixed in Version 3.0.8


Version 3.0.7 Release Notes

A few of the most noteworthy changes in this release include the addition of the Net Worth Chart to reports, and the addition of a non-reinvested Yield category to the charts.

Complete list of issues fixed in Version 3.0.7