Version 5.91 Release Notes - Production Deploy date 2023-03-23

AdviserGo

• Corrected an issue in Plan Settings where users were not able to set percentages to zero.
• Income and Dividends option added to Trust Income Distribution Income Type. This option will distribute all types of income except capital gains.
• Roth IRA upper limit thresholds have been removed as backdoor Roth IRA Contributions are commonplace.

Version 5.90 Release Notes - Production Deploy date 2023-03-09

AdviserGo

• Plan Notes added as a new option on the Reports screen.
• Added a more verbose message when deleting an item. From |Are you sure that you want to delete?| to |Are you sure that you want to delete {name}?|
• Plan notes created in Advisor with html are converted to markdown and visible in AdvisorGo.

Other Applications

• Home | Added language selector to login, registration, and invite acceptance pages in regions with more than 1 language.

Version 5.89 Release Notes - Production Deploy date 2023-02-23

AdviserGo

• For users with an integration that supports export on their subscription, for example Salesforece or Intelliflo, Plan items with a |type| select option will now display this type instead of the generic item type throughout the application. Export type options during integration export will now be filtered to only applicable options based on the plan item type.
• Users are now able to promote to the current tax year
• Improvements in language specific name formatting.

Version 5.88 Release Notes - Production Deploy date 2023-02-09

AdviserGo

• Corrected duplicate paraplanner name on client search screen.
• Beginning in 2024 there are no RMDs for the Roth portion of 401(k)s.

Version 5.87 Release Notes - Production Deploy date 2023-01-26

AdviserGo

• Add Subscription Preferences to AdviserGO
• Improve accessibility for switch toggle inputs; will positively impact toggle label reading by screen readers.
• Employment Incomes - Add a Receive Income While Disabled toggle allowing a user to specify to continue to receive income during disability period.
• 2023 IRS contribution, threshold and other tables updated.
• Adviser to AdviserGo | Legacy is now nested under Overview navigation button.
• Adviser to AdviserGo | Upside, Downside, Interest & Dividend information shown where expected average already exists.

Other Applications

• ClientGo | Now supports full date of birth with feature key.
• ClientGo | The Edit Person page will now show most owned items, and allow you to delete a person if they do not own anything.

Version 5.86 Release Notes - Production Deploy date 2023-01-12

AdviserGo

• Plan Notes now support markdown for better formatting and styling, and we have made multiple usability improvements to the rich content editor used in Client Notes.
• Itemized expenses are now validated to require descriptions with each item.
• Added plan start date to Plan Management and Plan Attestation screen.
• API Documentation added to Voyant support site

Other Applications

• ClientGo | Updates to client display names to ensure consistency with recent changes in AdviserGo.
• Vault | New filter by Uploader option and accessibility improvements.
• Vault | Add validation that Document Vault is empty prior to Disabling a Document Vault enabled Consumer User.

Version 5.85 Release Notes - Production Deploy date 2022-12-15

AdviserGo

• Refined the display of client names throughout the application. Family names will be formatted as follows if the primary and secondary person have different last names: primaryLastName, primaryName and secondaryName secondaryLastName.
• Updated Market Assumptions Upload tool to handle special characters in Asset Class names.

Other Applications

• ClientGo | Fixed an issue where the import finances button would not be displayed in new plans.
• HOME | Added 2-factor login through SMS code
• ClientGo and HOME | Home and other consumer applications now support one-time passwords, both via emailed one time password or sent via SMS.

Version 5.84 Release Notes - Production Deploy date 2022-12-01

AdviserGo

• Added Only Use Preferred Payment Sources toggle to Multi-Year, Legacy and University Expenses steps.
• Fixed a bug where users could not enter 2nd decimal place 7.0x%
• Added Cashflow - Simple report
• Previously, if imported holdings exactly matched a model portfolio, this would disable the ability to edit the portfolio allocation. Now both Calculated Portfolios and model portfolios show the edit button when holdings are present.
• Cash Flow Detailed Analysis report updated to explicitly show payments from the insurance policy instead of in annual shortfall.
• The *Basics* tab of Whole Life, Disability and Critical Illness insurance types now includes an option to *Transfer Payout* to an account.
• Added Linked Debts to Critical Illness Insurance
• Ability in AdvisorGo to link debts to term insurance and set pay off order.
• Features from Adviser now available in AdviserGo:
  • Ability to decide survivorship of other income after owners mortality.
  • Cashflow Simple Report

Other Applications

• ClientGo | Various accessibility improvements.
• ClientGo | Users can now set existing trusts and companies as account owners. Accounts owned by these entities will be displayed in the Finances section.
• Vault | Updated Access Control and Error Pages

Version 5.83 Release Notes - Production Deploy date 2022-11-10

AdviserGo

• Plan Facts & Assumptions Report - New report which includes details on accounts, expenses (itemized and non-itemized), transfers and taxes among other items in the plan.
• Liquid Assets Detailed Report - New report which projects the value of Savings, Investments and Pensions accounts over time. Non-liquid assets such as Property are not included.
• Income vs. Expenditure Report - New report which displays incomes, expenses, savings, taxes and resulting surplus or shortfall for the current year.

Other Applications

• *Admin* Updated user search parameters to include the search for both enabled and disabled users.
• *Admin* Added ability for users in a subgroup to share clients with users in their subscription who may not be in their subgroup(s).
• *HOME* Improved the look of the HOME app on mobile AND improved the look of the app as a whole

Version 5.82 Release Notes - Production Deploy date 2022-10-27

AdviserGo

• Fixed a bug where IHT Tax and Taper Relief was always zero in Legacy View.
• End of Life announcement for Adviser as of Dec. 31, 2022. This is NOT for AdviserGo.

Other Applications

• *HOME* Application updated to show correct number of invitations sent.
• *VAULT* Added Client Search to Vault Transfer Action.
• *VAULT* Add Restrictions to Vault Transfer to prevent mistakes from low permissioned users.

Version 5.81 Release Notes - Production Deploy date 2022-10-13

AdviserGo

• Added the ability to manually specify the Plan Start Date when creating a new plan. The start date can be any date in the current year or any future date within the existing plan before Mortality End Date. No changes to client creation via integrations.
• Disabled default mortality age in plan preferences as an input field. It is now just a reference.
• Reports | Liquid Assets Simple report added

Other Applications

• Admin Console | User Search can now show MFA status
• When inviting clients to create an account, the registration page is now branded for white-label customers.

Version 5.80 Release Notes - Production Deploy date 2022-09-30

AdviserGo

• Fixed display error on transfer pages for iPad users.
• Added enhanced validation message for major loss default age, zero value is accepted but an empty age input is not.
• Improved disabled state of major loss tab & inputs added in previous release.
• Retirement Summary Report | Lump Sum Savings insight was updated to use the retirement event by default. If the insight in the UI was run with a different event prior to generating the report (e.g. Plan Start), then Plan Start will be used for the insight in the report.
• Added ability to change email and password in the HOME application
• Expanded details on the importance of MFA in improving data security
• The Monte Carlo simulation now incorporates Inflation from Market Assumption parameters, if so configured.

Version 5.79 Release Notes - Production Deploy date 2022-09-08

AdviserGo

• Release notes are now available from directly within AdviserGo. Users will automatically see Release Notes when first logging in following an update, and further can access them anytime from within the client search page profile dropdown. Intentionally NOT enabled for Enterprise clients.
• White label subscribers can further customize their Voyant solutions to match their unique brand identity. All Voyant products now support customization of chart colors, including those in the Lets See and Asset Allocation modules as well as stage and goal progress colors.
• Added a plain language error notification when a user attempts to access a client for which they do not have appropriate permissions.
• Added Additional User Search And Result Fields address, address2, province in Admin User Search dialog.

Version 5.78.1 Release Notes - 2022-08-16

AdviserGo

• Fixed an issue where the app would crash during client creation if a user entered an unusually high birth year value, for example reflecting an age of 120 years. Ancillary to the fix, the Retirement Age input is now a text field instead of a drop down.
• Updated AdviserGo Plan Preferences UI to Display and allow Edit of Major Loss values.
• Improved error message when the remaining estate distribution breakdown is not 100%
• Added a UI validation to ensure that the user selects an insured person when insurance policies are owned by a corporation.
• Plan Settings | Exposed 4 preference items in the UI allowing for user entry.
  • 1. Assume Predeceased upon simultaneous death
  • 2. Show basic expense line
  • 3. Mortality Age
  • 4. Child owned accounts available in plan until age
• Fixed a bug where multiple trust details columns were shown inappropriately.
• State Tax Brackets are now available and can be created at the client level by selecting the Tax Bracket tab and selecting type State. State brackets can be accessed in the plan under Plan Settings. Custom brackets can be created at the plan level by modifying existing brackets or selecting Use Custom Brackets in the Select State Tax Brackets drop down.

Version 5.77.0 Release Notes - 2022-07-29

AdviserGo

• Added a dismissable notification banner mechanism for Voyant Admins to alert users of system maintenance and other important updates.

Version 5.76.0 Release Notes - 2022-07-15

AdviserGo

• Fixed an annoying issue where the UI throws a birthday validation error when tabbing through the date inputs.
• Delivered several updates to AdviserGo 2-factor authentication login, including a new setup flow, improved error feedback, and emergency code backup.

Version 5.75.0 Release Notes - 2022-07-05

AdviserGo

• Respect the language preference from one app to the entire Voyant ecosystem of apps, currently AdviserGo, HOME, Snapshot, ClientGo.

Version 5.74.0 Release Notes - 2022-06-21

AdviserGo

• Property Buy Sell Rightsize goals added from ClientGo are now visible and editable within AdviserGo though not yet available to add directly in AdviserGo just yet.
• Corrected an issue where a user cannot add a person on what-if Plan For College flow if full birthday feature key is enabled.
• Fixed a bug where the UI was not displaying the correct portfolio name for a portfolio with holdings.
• Improved the user experience for the last distribution in an Estate Plan by removing the disabled input fields
• Improved chart display in reports by de-coupling the legend from the chart image. This allows for better wrapping of text and larger chart display.
• Corrected an issue with US and AU pension where percent per year of service was not persisting.

Version 5.73.0 Release Notes - 2022-06-07

AdviserGo

• Fixed an edge condition issue where goals with negative completion percentage would display a full progress circle graphic.

Version 5.72.0 Release Notes - 2022-05-20

AdviserGo

• Added validation to Trust capital distribution flow such that selection of Trust cannot be bypassed.

Version 5.71.0 Release Notes - 2022-05-06

AdviserGo

• Enabled Estimated Whole Life Insurance rather than Illustrated Whole Life.
• Fixed a bug where zeros were always shown for a debt estate value

Version 5.70.0 Release Notes - 2022-04-22

AdviserGo

• Improved the user experience by automatically setting term and whole life insurance as joint policies if the user selects more than one owner.
• Fixed a validation bug for thresholds in a tax regime where the Done button was still displayed and appeared active, though it was not, while the validation was still in an error state.
• Now displaying Trusts and Trust Distribution in separate section in the add menu.
• Updated configuration to properly display LOC in UI and reports.
• Fixed a bug where the type of a Corporate/Trust owned investment was not being displayed on the dashboard.

Version 5.69.0 Release Notes - 2022-04-11

AdviserGo

• Corrected Liquid Asset inclusion in Net Worth calculation for reports.
• Corrected an issue with display of Custom Market Assumptions optional feature in plan settings.

Version 5.68.0 Release Notes - 2022-03-28

AdviserGo

• Added Trust functionality for US market including calculation of impact on tax and estate by Trust holding assets.
• Created the opportunity to use Tax Brackets as an alternative to Tax Rates.
• Increased the available discrete fields for US Tax Info to include Estate Exemption Used as well as Carry Forward.
• Clients can now be locked from the Manage Access menu as an optional feature. Locked clients cannot be edited by anyone other than the person that applied the lock though other users can still open read-only. Only the original locker or users with elevated permissions are able to unlock a client.
• Updated search feature to allow users to search for locked clients in environments where that feature is enabled.
• An effective tax rate section has been added to year view taxes. The calculation is (Income Tax + Capital Gains Tax) / (Taxable Income + Taxable Capital Gains). The calculation does not include include FICA tax, penalty tax or tax from Other Taxable Accounts.
• Modified the Detailed Tax Report to display Married Filing Jointly results for married or legal partner couples for as long as they are both alive, changing to individual tax calculation when either is deceased, and thereafter using the surviving spouse name as section title instead of Married Filing Jointly.

Version 5.67.1 Release Notes - 2022-03-11

AdviserGo

• Corrected End Event label on AdviserGo Investment Returns Report to be Plan End.

Version 5.66.0 Release Notes - 2022-03-01

AdviserGo

• Updated the Select Goals reorder function under Report - Financial Summary page to allow user to drag and drop to rearrange goals. Note that caret icons are also clickable to reorder.
• Added the Net Worth goal to Fact Find, Retirement Summary, and where applicable Plan Facts reports.

Version 5.65.0 Release Notes - 2022-02-15

AdviserGo

AdviserGo

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Version 5.64.0 Release Notes - 2022-01-28

AdviserGo

• To support backwards compatibility with Adviser a Cash Account balance can be edited in AdviserGo if it was changed in Adviser. This is not applicable for plans created in AdviserGo.
• Retirement account contribution limits and thresholds have been updated for 2022.

Version 5.63.1 Release Notes - 2022-01-19

AdviserGo

• Corrected an issue with curent year net worth report when a corporate property is bought using corporate funds.

Version 5.62.0 Release Notes - 2021-12-21

AdviserGo

• Added Cumulative Taxes to the Taxes Chart Tooltip
• Dates that do not exist on the calendar, e.g. February 31, are no longer permitted in full date fields, including: person birth date, new plan start date in Update and Promote flow, stock grant dates and exercised/vested dates. Update and promote now enforces that new plan start date is after existing plan start, and stock grants now enforce that vested/exercised dates are after the grant date.
• Added the ability to create Net Worth Goals via plus button.
• Fix a bug where the order of the goals under Financial Summary on the report does not match the UI
• Added ability to tax portions of investments as short-term capital gains (income). US only.
• Fixed a bug where the US Taxes page did not foot correctly.
• Detailed Tax Chart view is now enabled and contains five color indicated categories:
  • 1) Income Tax (Earned income, interest, dividends, short term capital gains and everything not in other categories)
  • 2) Capital Gains Tax (Long-term capital gains)
  • 3) FICA Tax (Social Security and Medicare)
  • 4) Penalty Tax (Early Withdrawal Penalty Tax)
  • 5) Other Tax (All tax from Other Taxable Accounts)
  • When hovering over a year chart bar in detailed tax view the tool tip will appear and give a detailed breakdown including the above category values, total annual tax and total cumulative tax.

Version 5.61.0 Release Notes - 2021-12-08

AdviserGo

• Added Other Taxable Investment accounts to US.
• Addressed an issue where previously the Right Size What-If did not consistently display a validation when the user selected the Plan End event as timing.
• Modified the US date formats to be more consistent throughout the application as MM/DD/YYYY.
• Added Qualified to US Liquidation Order choices.
• Loans to people in the plan were showing in the Not displayed on chart section. They will now be included in the chart, including spousal loans. Please note that Loans payments are no longer immediately deposited in the lender's cash account upon receipt, rather they are now treated as regular credits.

Version 5.60.0 Release Notes - 2021-11-15

AdviserGo

• Added more validation messages on the Dashboard where needed, especially for server side validation which was not being passed through.
• Clicking the Change Market Assumptions button in an obsolete market assumption alert will automatically change the plan to use the suggested assumptions.
• Added filter for Link to Existing Debt such that only properties not linked to another debt are displayed, as a debt can only be associated with a single property.
• For newly created investment accounts, Is Yield Reinvested will now use the Plan Preference value as the default.

Version 5.59.1 Release Notes - 2021-11-02

AdviserGo

• Introduced new UI for the Reports Screen to add the ability to save multiple report sets.
• Added Social Security Tax as a line item on the Taxes Detailed report.
• Change the default Lump Sum simulation event to plan start.

Version 5.58.0 Release Notes - 2021-10-18

AdviserGo

• Taxes Detailed Report now available for all regions (feature flagged).

Version 5.57.0 Release Notes - 2021-10-05

AdviserGo

• Fix an intermittent bug where a home user is asked to create a client when they already have a plan.

Version 5.56.0 Release Notes - 2021-09-20

AdviserGo

• Corrected an issue wherein estate report options for spouse was showing up for plans without a spouse.
• Added a cyclical retry to the report status flow to reduce the incidence of invalid timeout message in UI.
• Modified the date format for birth dates on client creation for US to be mm/dd/yyyy; was formatted as dd/mm/yyyy previously.

Version 5.55.1 Release Notes - 2021-09-13

AdviserGo

• The ability to enable or disable the growth option on the Cash/Savings screens were incorrectly governed by Grow all investment and retirement accounts using asset allocation. Now corrected to use Grow cash account using cash allocation.

Version 5.54.0 Release Notes - 2021-08-31

AdviserGo

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Version 5.53.0 Release Notes - 2021-08-14

AdviserGo

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Version 5.52.0 Release Notes - 2021-08-12

AdviserGo

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Version 5.51.0 Release Notes - 2021-08-03

AdviserGo

• The timing alert should reflect the age/year edit of an event.
• Cumulative Taxes added to the detailed year view. Cumulative details include: (US)Income Tax, Capital Gains,Additional Tax, Tax Credits
• Updated distribution logic in Estate Plans. Ensured:
  • Distributions to a Non-Legal Partner is considered as Taxable Distribution (Spouses are considered as Non-Taxable Distribution)
  • Creation of an estate plan with a non-legal partner sets the default 100% to the non-legal partner
  • A single persons Estate Plan with no Spouse/Non-Legal Partner in the plan, defaults to 100% to Others
  • If there are no other people in the plan, the estate plan will default 100% to Person outside of the plan
  • If there are other people in the plan (child, grandchild, parent, etc), no defaults are added, and force one to specify the distribution breakdown.
• Replaced generic terms for people in the plan (like primary and spouse) with specific client names.

Version 5.50.0 Release Notes - 2021-07-13

AdviserGo

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Version 5.49.2 Release Notes - 2021-07-08

AdviserGo

• Editable stages added to the timeline. Recurring expenses, goals, contributions, or even periods of ownership for properties can be set by creating a stage in the timeline. | Details
• Estate item designation added | Details
• Added ability to save a frequently used set of reports. The report sets are saved locally on a per user account, per browser basis | Details .
• Incomes, savings, investments, annuities, and pensions are now payment source options for debts and expenses.
• Asset allocation and beneficiary amount values greater than 99.9% and less than 100.1% are now allowed.
• Updated Balance Sheet Report to use beginning of year values
• The real money 'tool tip' was labelled 'from Plan Preferences', which is a holdover from Voyant Adviser. It should state: 'from Plan Settings'.
• Updated detailed legacy screen to more clearly show asset distribution.
• Corrected a situation where the UI did not indicate that deletion of a person is disabled because that person owns events.

Version 5.48.2 Release Notes - 2021-06-22

Adviser

• Variable Annuity - Added a Capital Balance field for cost basis input
• Spousal IRA - added a rule that the total contribution from a person to their own traditional IRA, Roth IRA and their spouse's Spousal IRA, Spousal Roth IRA, should not exceed this person's earned income.
• Updated individual and maximum contribution limits for qualified retirement accounts.
• Added Linked Employment field in Employer Contribution section to UI for US only. Displays when user selects Yes for Employer Contribution.

Version 5.47.0 Release Notes - 2021-06-01

Adviser

• Corrected step contribution options to contain all of the parent model options as appropriate.
• Introduced the ability for a user, with appropriate report-on-behalf-of role, to be presented a cover page option when producing a report where they may select from a list of users with access to the current client by which the user profile information displayed on report cover page will be populated.
• The fee rates for Annuities, Savings, Investments and Retirement Savings accounts will now show on their respective screens. Users will have the ability to not only update the default fees in the Plan Settings screen, but also at the individual account level. Newly created accounts and existing accounts will use the Plan Settings default fee rate. The Plan Settings default will only change the individual account fee rates if they have never been altered by the user.
• Removed Purchase of a House from the Milestone Goal description.
• Added two additional types to US Retirement plan selection list. Spousal IRA & Spousal Roth IRA.

Version 5.46.0 Release Notes - 2021-05-18

Adviser

• Added Real Money option for CA and US for all charts in the app, and many reports including Estate Analysis Detailed, Cash Flow Analysis, Net Worth, Assets Simple, Assets Detailed, Expense, and Debts Detailed.
• Added Balance Sheet to the report suite.
• Corrected missing translation for Disability event on the Event Report.
• Added Non-Qualified Deferred Compensation Plan option for US.
• Modified display logic such that the automatic mortgage repayment occurring after a property is sold now appears on the chart. It was in the Not Displayed on Chart section.
• Corrected a UI issue where the cost basis was mistakenly shown in the contribution column of the chart year view.

Version 5.45.0 Release Notes - 2021-05-11

Adviser

• Corrected UI logic to allow orphaned events that were once tied to a step was subsequently deleted to be deleted as well.
• Updated Save and Add another UI logic such that a new Education event is automatically created when using Save and Add another for an Education Goal.
• Corrected an issue preventing delete of a manually added retirement special event.
• Corrected an issue with display of Events icons for Special Events on reports.
• Addressed a latency issue with a model not displaying a new special event on the dashboard accordion without refresh.
• Special Events are now available to be added via the + button on the timeline

Version 5.44.0 Release Notes - 2021-04-19

Adviser

• Enhanced usability with alerts on exceptions, especially as regards the forthcoming Monte Carlo simulations which can be long running depending on the selected number of cycles.

Version 5.43.0 Release Notes - 2021-04-05

Adviser

• Updated UI with Save and Add Another functionality on certain pages when using the + button where repetitive data entry is likely.
• Replaced basic/leisure/luxury approach to goal priority with selector that will allow user to pick the priority for the expense using scale of 1 to 10, with 1 representing most important level and 10 least.
• Added a Goal Priority Analysis insight option- additional detailed information forthcoming.
• Added Debt Sweep Options to Cash Sweeps
• Added a person type selector to top of person form and changed the last name validation process to occur only when primary or spouse selected.
• Added a new privacy mode toggle to the client list preferences screen such that a list of other clients is not inconveniently displayed during a client presentation session.
• Suppressed the Estate and Corporate rollup section on the Legacy tab if there are only personal assets.
• Added the ability in white labels to set expense naming and ordering.
• Added Cash sweep to Debts and Lines of Credit such that selected Debts are the primary sweep targets and selected savings accounts are subsequent (when the selected Debts are paid off).

Version 5.42.0 Release Notes - 2021-03-23

Adviser

• Fixed the behavior of the Cancel button in the Add Event flow; it now cancels any update made to the event being added.
• Added a Number of Iterations control slider to Monte Carlo process; only visible if monte-carlo-iteration-controls feature is enabled, off by default.
• Made several adjustments to the Stock Grant feature including
  • Future Strike Price calculated by growing the stock base price rather than the strike price of the first grant
  • Stock Liquidation proceeds now categorized as Employment Income
  • Added the Stock Grant name to the stock liquidation credit

Version 5.41.0 Release Notes - 2021-03-09

Adviser

• Added the ability to change Market Assumptions in a Plan.
• Fixed several miscellaneous visual bugs for alignment of the event selection field on steps, and timing tabs, and inline event selections.
• Removed liquidated dollars from the end of the year total for stock grants.
• Made a small change in the manner that we calculate and populate the year tax details table for Stock Grants- now using the Start of Year price rather than the End of Year price to better reflect the presumed timing of Vest/Exercise/Liquidation.
• Added automatic sweep of partial share value remaining from Sell Percentage to cover Stock Option exercise, as the application trades in full shares only.

Version 5.40.0 Release Notes - 2021-02-23

Adviser

• Corrected a dependency for proper UI handling of the customize option for Estate Analysis- Detailed Reports (to allow more granular Estate Report selection).
• Added support for subsequent stock grants in the Stock model under Future Grants.

Version 5.39.0 Release Notes - 2021-02-08

Adviser

• Added the ability to select which estate scenarios are included in the detailed estate report. NOTE: the details tables for each scenario may be toggled on or off.
• Added the ability to compare plans in a list view. Find complete information here.
• Updated US retirement contribution limits and eligibility for 2021.

Version 5.38.0 Release Notes - 2021-01-25

Adviser

• Added step details to carryover assumptions
• Added current tax liability or refund, and steps for tax rates.
• Removed a duplicate category row in the Net Worth report- for Qualified assets. It was a display issue only, not in totals.
• Updated Vested/Exercised FMV input to allow input of decimal amount.
• Total vested value updated to reflect new vested amounts
• Improvements to the UI loading state during report generation- Added the report loading state to additional views; added a meaningful success message which includes the client name and a link to recent reports.
• Improved the model portfolio slider slightly by adding a pip or tick mark indicator to each index of the slider.
• Modified session warning to occur earlier, now five minutes prior to end of session (system timeout).

Version 5.37.0 Release Notes - version not released in this region

Version 5.36.0 Release Notes - 2021-01-11

Adviser

• Added two new options in Plan Settings > Calculation Settings : Community Property, Estate Tax Exemption Carryover.
• Updated Estate tax rates. Exemption and inheritance gift amounts are escalated using the inflation rate in Plan Settings.
• Consolidated duplicate rows with non-overlapping data on Detailed Cash Flow Report- one row was through retirement, and a new row represented post-retirement, now a single row.
• Improved integration flows to better update holdings, including presenting User with dialog for holdings where data could not be retrieved and subsequent ability to look up and map those holdings.
• Default Asset Allocation module added to Plan Settings. Users will have the ability to update the default allocation which is applied to new investment and pension models. Find complete information here.
• For users that manage their own profile, send email to both old and new email address upon change.

Version 5.35.0 Release Notes - version not released

Version 5.34.0 Release Notes - 2020-12-21

Adviser

• Added non-matching employer contribution options to the US retirement model. Previously only matching options showed for certain types.
• Retirement accounts 401k, Roth 401k and Simple IRA now have the option for an employer contribution not based on employee matching. Both matching and non matching employer contribution options are now available for Eligible 457 plans.
• Added comprehensive Stock Grants feature for CA and US. Feature Key is "stock-options".
• The Asset Allocation chart on the main dashboard screen has been enhanced:
  • added the pie chart view as the default for core voyant (which shows the assets by type based on the beginning of year net worth chart data).
  • allow the user to switch to the investment asset allocation element.
  • allow enterprises to customize which is shown by default.
• Added a Stock Grant Model
• Regularly recurring lump sum expenses and goals can be set using a combination of start and end events and the special Expense Frequency setting on the Timing tab allowing for frequencies such as every 5 years. This NOTE added retroactively Jan 12, 2021.
• NOTE- Effective January 01, 2021, Voyant will end support for Internet Explorer. This means that IE is not on our supported browser list, but we are not actively blocking use of IE.

Version 5.33.0 Release Notes - version not released

Version 5.32.0 Release Notes - version not released

Version 5.31.0 Release Notes - 2020-12-07

Adviser

• New chart design for all insights.
• Added Plan Worth chart display option.
• Added an additional insight for Monte Carlo.
• Changed the net worth asset categories to match the categories displayed in the asset chart.
• Fixed issue where debts owned by non-primary persons would decrease net worth. These records should now only decrease plan worth and be featured on balance sheet. Debts owned by primary persons still decrease net worth.
• Fixed a issue where US Savings models with type 'Investment' do not show asset allocation screens on their step models (even when the parent model is set to grow by asset allocation).
• Inherited IRA's now supported.
• Added ability to handle Variable Annuities.
• Updated Historical Data Set for US, CA, and AU to use S&P 500 data through 2019.

Version 5.30.0 Release Notes - 2020-11-16

Adviser

• Improvements to Roth 401k UI as well as validation update such that traditional sub-account balance cannot be greater than the total account balance.
• Added a new option in Preferences called "Show Dashboard Let's See" to toggle the main dashboard chart on and off.
• Corrected a timeout issue that could occur during report generation when there are a large number of accounts entered in the plan.
• Corrected an issue with Roth 401k contributions reducing taxable income.

Version 5.29.0 Release Notes - 2020-11-03

Adviser

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Version 5.28.0 Release Notes - 2020-11-02

Adviser

• Added a yes/no field to indicate "Is Earned Income" on Other Income records (note that existing Other Income records will default to no).
• Added a cost basis input field for 529 plans by which to calculate tax on withdrawal for non-qualified usage (only applicable to 529 accounts which have a balance at plan start).

Version 5.27.1 Release Notes - 2020-10-19

Adviser

• Added a new historical insight simulation to Adviser Go. Find complete information here.
• Augmented the available fields for the main annuity models, and added support for the future annuity type.

Version 5.26.0 Release Notes - 2020-10-19

Adviser

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Version 5.25.0 Release Notes - 2020-10-05

Adviser

• New "Administration" link added to the user menu allowing access to the Admin Console application.

Version 5.24.2 Release Notes - 2020-09-21

Adviser

• Updated logic such that the profile view on the main dashboard, as well as from the the clients list, is now editable.
• Users will only be allowed 2 active web sessions at any one time. If they login while 2 sessions are active, the oldest will be invalidated. If they attempt to use that session, it will require re-login.

Version 5.23.0 Release Notes - 2020-09-08

Adviser

• Added interest only payment option to Line of Credit
• Visual enhancement in Compare Plans where items in the charts have the same color if they have the same name.
• Changed 'Pensions' tab title to 'Retirement' in year view.
• Added an Update Timing link to help with user behavior when adding a record that has a recurring action (that does not also have default timing) to combat the error return of "A start and end event are needed when using contributions" for example.
• Removed unnecessary cost basis validations for Roth account types
• Corrected a minor discrepancy on dashboard with respect to number of goals met vs. percentage of progress where a goal with progress greater than 99% would display as 100% yet not be included in the number of goals met.
• Renamed the field previously titled 'Current Salary' for employment steps to 'Salary'
• Filtered Cash accounts out of Planned Withdrawal Account lists
• Corrected the Year View for situations where only one year of calculation data is available.
• Changed the title of Carryover Assumptions to Taxes & Other Financial Information.
• Removed the Withdrawal Limit tab from the cash account steps.

Version 5.22.0 Release Notes - 2020-08-24

Adviser

• Usability Improvement: Clicking the plan name from the main navigation will now show a dropdown list of the current plan family where one can easily switch to a different plan.
• All the tooltips on the charts in adviserGo can be locked/unlocked on click anywhere in the chart. NOTE this IS NOT enabled for touch devices.
• Corrected an issue where the payment frequency was not persisting after switching goals.
• Itemized expenses in What If Plans updated to inherit from Base Plan unless the What If itemized list is changed by the user at which point the connection with the Base Plan itemized list will be severed.

Version 5.21.0 Release Notes - 2020-08-17

Adviser

• This space intentionally blank

Version 5.20.0 Release Notes - 2020-08-10

Adviser

• The zoomed-in view of a given stage or selected timespan (the time zoom) will now persist between the changes in chart types on the Dashboard, Let's See and Dual Charts.
• Corrected an issue with the Cash Flow Detail report wherein the Allocated To Savings figure could incorrectly contain another amount (e.g. a value that should be Tax Relief display in Allocated To Savings).
• Insurance premium input fields now show additional frequency options.
• Debt details can now be seen in year view which shows the split between interest and principle paid
• Additional client details now show province / country and primary / spouse ages.
• Added additional premium entry options for Insurance products where applicable. Users can now choose to add their premiums as monthly, yearly, weekly, biweekly, semi-monthly, quarterly and semi-annually.
• Added age and location of the client(s) to the client details dialog.
• Fixed a minor display issue on the Estate Report where apostrophes were not displayed at end of plan owner name prior to "s" to indicate possessive (e.g. John's, Mary's).

Version 5.19.0 Release Notes - 2020-07-31

Adviser

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Version 5.18.1 Release Notes - 2020-07-27

Adviser

• Initial Production Release of Refactored Charts
• Added more detail (Dividend Income for example) to AdviserGo Fact Find report Income section
• Updated Steps to get defaults for various properties such as bonuses and dividends from the "parent" item.
• Added an error for Lump Sum and Annual Savings insights when the user chooses mortality as the event.
• Financial Summary Report updated to show an error if mortality is the chosen event for a Lump Sum or Annual Savings Insights.
• Advisors now have the option to see additional clients details in the client view on Go by clicking on the three dots (ellipsis) to the far right of the client view. Details including the name of the advisor who created the client, the date the client was created, the name of the advisor who last modified the client, the date the client was last modified and the names of the primary client and spouse are available.

Version 5.17.0 Release Notes - 2020-07-20

Adviser

• Refactored Charts initial release [did not go to Production]

Version 5.16.0 Release Notes - 2020-07-13

Adviser

• Added section subtotals to the Fact Find report (AdviserGo).
• Fixed an issue where one time payments scheduled on debt won’t show up in the additional payment section in the UI.
• Add logic to prevent auto SSO follow through after UI session timeout directs user to the login page (to prevent automatic looping login situations).
• Addressed the need for Other Income input to have multiple owners
• Implemented an infrastructure update to better handle fonts, styles and svg images in PDF reports, particularly when opened in MS Word.

Version 5.15.0 Release Notes - 2020-06-29

Adviser

• Changing the owner of a new goal updates the default events with the appropriate time window. Also retirement validations for new models now only fire if the owners hold retirement events.
• The Investment Returns simulation now has a configurable threshold for white label customers. If the threshold amount is breached, a message is displayed to that effect.
• Update the simulation UI view to show a conditional warning message from the calc response
• Allow adviserGo users to edit the Display Name value in their user profile. This is used in reports if non-empty in lieu of the First and Last Name, provided there is no overriding Team Display Name.
• If no client language is available, default the report display language to the current display language of the user.
• Employer Contribution Type "Fixed" now has the option for inflated amounts. These values will be inflated using the same calculations as inflated individual contributions.
• Contributions previously labeled as "Fixed Amount" are now labeled "Amount". These contributions will no longer be inflated based on step start date or contribution start date after plan start. "Fixed Dollar Amount with Inflation" and "Fixed Amount with Inflation" labels have been changed to "Amount with Inflation" and functionality will remain unchanged.
• Corrected some discrepancies with access level from both adviser's and home user's perspective- as follows:>
  From the advisor's view :
  • you should see the parent plan of the active family and NOT be able to change its access level
  • you should see all the advisor related what ifs and you SHOULD be able to change their access levels
  • you should see a separate list of the home user created plans and you should NOT be able to change their access levels
  From the home user's view :
  • You should only be able to see plans from the active family
  • You should NOT be able to see any advisor created HIDDEN what if plans
  • you SHOULD see advisor created READ what if plans
  • you SHOULD see consumer created plans within the active family
• Plans that are marked as hidden to the client no longer show
• The client access view now focuses on the active plan family. It also shows the base plan / what if plan relationship like the 'my plans' view.

Version 5.14.0 Release Notes - 2020-06-015

Adviser

• Corrected the omission of a space between name and age in some chart views.
• Made error messaging for integration import more specific.
• Removed the update option from the plus button for 'what if' plans- it is not an allowed action.
• Corrected two issues with Recent Reports listings regarding ability to download again or to save.
• Added capability for Users that have multiple languages available for a client to pick the desired language for the report. If a language has already been set at the client level, the report language selector will default to that client's language.
• Improved integration management to prevent updating of locked/attested plan.
• Addressed an issue with process when completely changing a user's team membership and default team, added support to change a user's username via the bulk user update mechanism.

Version 5.13.0 Release Notes - 2020-06-01

Adviser

• None

Version 5.12.3 Release Notes - 2020-05-18

Adviser

• Voyant Adviser Synchronization has been modified to increase speed and usability. Only clients opened or modified in the last 14 days will be synced at Voyant Adviser startup going forward. Eligible clients are synced when opened and saved. The My Clients tab now shows all connected clients available on the server. The newly added Synced Clients tab shows all connected clients that have been synced at some point on a specific machine. See our Knowledge Base article https://support.planwithvoyant.com/hc/en-us/articles/360042518632-May-2020-Release-Access-Your-Client-Files-Faster-Synchronization-Process-Streamlined for more detailed information.

AdviserGo

• Corrected an issue with Rate of Return on Investment Returns Insight
• While importing data from Intelliflo, AdviserGo now suggests what Intelliflo expenditures and accounts should be skipped and not added to a Voyant plan.

Version 5.11.0 Release Notes - 2020-05-07

AdviserGo

• Added Primary and Spouse ages on the Detailed Cash Flow report
• Minor layout update to Financial Summary report
• Added ability to indicate a Loan one time payment is at the beginning or end of the year
• Corrected an issue where future loans which get changed to an existing loan caused a calculation error.
• Enforced a rule so integration updates only occur on the base plan.
• For taxable accounts which allow for multiple owners, the "Percent of Income" contribution option now includes eligible incomes for all owners on the account.
• Corrected the display of two-step code field in client registration process

Version 5.10.0 Release Notes - 2020-04-27

Adviser and AdviserGo

• Added Education Goal and Expense under goals and expenses section in Adviser Go
• Added Education summary report to summarize education goals in Adviser Go
• Corrected an issue with Events report where special character in the event name would cause report failure in Adviser Go
• Corrected an issue with Plan Worth chart where it would not show non legal partner's assets in Adviser
• Various other UI improvements

Version 5.9.0 Release Notes - 2020-04-09

AdviserGo

• Improved Update and Promote flow by dividing the flow in two parts. Promote part of the flow will promote the flow and then Update part will give users option to update plan items
• Corrected an issue where click on Update Holdings would not work
• Took out frequency label from Term Insurance salary multiplier field
• Various other UI improvements

Version 5.7.0 Release Notes - 2020-03-12

AdviserGo

• Added Recently Reviewed Reports functionality to keep track of all recently generated reports
• Added a link on Report page to show all recently generated reports
• Added a filter by plan names on recently generated reports screen
• Added sort feature on report creating time on recently generated reports screen
• Added download link on recently generated reports screen to download already generated reports again
• Added a progress spinner on report generation page
• Corrected an issue with report generation for plans having special characters in the plan name
• Corrected an issue with legacy expense where chart showed shortfall despite availability of funds
• Corrected an issue with Update and Promote flow by removing invalid items that do not fall with in the new timeline of the plan
• Corrected an issue with additional payment of line of credit where it was not being included as an expense
• Various other improvements to reports

Version 5.6.0 Release Notes - 2020-02-27

AdviserGo

Taxes Improvement

• Added a Taxes section to show the breakdown of Single and Jointly filed taxes
• Corrected the taxation of taxable gains, dividends, and yields
• Joint taxes for married couple, individual taxes for unmarried plan members
• Corrected social security benefit taxation
• Implemented early withdrawal taxation of ROTH IRA and ROTH 401K
• Corrected IRA contribution limit calculation
• Corrected an issue with Savings where it was not accruing interest
• Corrected an issue where previously yield inputs were not being recognized as the investment account was not yield aware
• Took out cost basis from Traditional IRA

Other Improvements

• Added Dividends and Bonuses to Fact Find report
• Added icons to indicate ownership of goals, accounts, expenses, etc. Hovering over the icons will show the owners
• Updated a property's linked liability to be paid when the property is sold to avoid an extra year of interest
• Disallowed legacy expenses from creating a deficit on the charts despite availability of funds
• Corrected an issue where a loan was not fully repaid as expected when the lender is the client and the borrower is set to "Outside of Plan"
• Plan families sorted in the UI with the newest plans first and older plans after

Version 5.5.0 Release Notes - 2020-02-13

AdviserGo

• Corrected an issue with retirement spending insight where it would timeout
• Corrected an issue with cash account name where it would not update once owner name is updated
• Corrected an issue with Joint insurance policies where it would not let user pick two insured people
• Corrected an issue with Carryover Assumptions error message by adding a delete button in the UI to clean up the duplicate item
• Corrected an issue where what-if plan appends the date after promotion of base plan
• Added an option to enter plan name while creating a what-if plan from Create a copy option
• Made several accessibility improvements

Version 5.3.2 Release Notes - 2020-01-30

AdviserGo

New Features

• Added Plan families - ability to view all active and non-active older plans on the My Plans screen
• Indicated mandatory fields with asterisk across all items and options
• Changes to Taxes option
• Renamed it to Carryover Assumptions
• Added service in the background to automatically add taxes for plan members
• Took out the option from add menu as now application adds the information automatically when a new plan member is added to the plan
• Reorganized options to fall under their relevant bucket
• Made deletion of a plan member easy by clearing out the taxes item automatically
• All plan members information can be accessed with help of one click
• Update on multiple plan members can be saved together

Other Improvements

• Updated default withdrawal limit of line of credit to Do Not Allow
• Added various accessibility improvements

Version 5.1.6 Release Notes - 2019-12-26

AdviserGo

• Corrected: Missing loan payments on detailed cashflow chart
• Corrected: Drag and Drop behavior on cash sweep and preferred source options
• Corrected: Networth when a property is purchased at start of the plan using a Debt
• Corrected: Property liquidation owner name
• Improvement: Updated labels on Retirement Spending simulation
• Improvement: Updated language on update and promote panel

Version 5.1.4 Release Notes - 2019-12-12

AdviserGo

• New Feature: Added Cash accounts for plan members with sweep and step up/down options in the UI under Savings and Investments
• Improvement : Updates to holdings UI and functionality
• Improvement : Updates to Accessibility
• Corrected: cancel button functionality so data entered prior to cancelling would properly rollback to original value
• Corrected : Deleting a one-step payment from a liability still retained linked information on the event
• Corrected : Event information for non-active plans in report
• Corrected : Incorrect Total number of clients displaying on client dashboard

Version 5.1.2 Release Notes - 2019-11-23

AdviserGo

• Added Estate Report which allows advisers to show clients how both their own assets and their spouse’s assets will fair after death
• Enabled PDF report contents to be copied into Microsoft Word
• Various other improvements

Version 5.1.0 Release Notes - 2019-11-14

AdviserGo

• Added preferred payment sources to AdviserGo as an option for expenses, debts (for loan payoffs) and Property/Assets for use when scheduling future property purchases
• Corrected an issue with cashflow detailed chart with select all toggle unchecked
• Various other minor UI improvements

Version 5.0.57 Release Notes - 2019-10-28

AdviserGo

• Added client name to Detailed Taxes report
• Corrected an issue with adding Asset Allocation on Steps
• Added more years to the Word Cashflow Detailed report
• Corrected an issue with bespoke mortality age preferences

Version 5.0.55 Release Notes - 2019-10-10

Adviser and AdviserGo

• Corrected an issue with asset allocation display in financial summary report

Version 5.0.53 Release Notes - 2019-10-03

Adviser and AdviserGo

• Corrected an issue with Estate Plan where it would not show up
• Added an option in Admin console to search users without a specific role
• Corrected an issue with 2 step authentication submit button where enter would not work

Version 5.0.52 Release Notes - 2019-09-18

Adviser & AdviserGo

• Corrected an issue with Loss Capacity insight where it would not generate results
• Added copy and archive feature in admin UI to make it easy for user to branch a client to a new record and archive the old one
• Corrected an issue with Real Money RPI return rate on chart button

Version 5.0.50 Release Notes - 2019-09-08

Adviser and AdviserGo

New Features

• Added 5 new frequencies – Weekly, Biweekly, Semimonthly, Quarterly, Semiannually to payments, contributions and income items
• Added Real money insight in AdviserGo whcih gives an overview of how future assets look like in today’s currency, subtracting the RPI (Retail Consumer Index) This way, you can equate any monetary value in the plan in today's terms
• Added Pension Transfer insight and report in AdviserGo. This new insight allows you to compare a lump-sum payment up against a lifetime of recurring payments
• Added Estate Plans and Estate Distributions in AdviserGo. This comprehensive feature allows advisers to show clients how both their own assets and their spouse’s assets will fair after death. Advisers and clients can easily glimpse details like the consequences of inheritance taxes
• Added Loss Capacity insight in AdviserGo which allows you to examine how much any liquid or pension asset (excluding cash) a plan could potentially lose while achieving plan objectives.Also, added report to help advisers look at detailed results
• Added an option to open AdviserGo from Client menu in the admin UI
• Added Active Final salary in AdviserGo under Pension

Other Improvements

• Updated the Retirement Spending simulation to include the spending amount in the basic need line
• Corrected an issue with Early mortality what-if flow

Version 5.0.48 Release Notes - 2019-08-26

Adviser and AdviserGo

• Improve Synch Error Message Reporting
• Fix FinaMetrica Joint Report issue
• Update Fact Find Report to new format

Version 5.0.41 Release Notes - 2019-07-25

Adviser and AdviserGo

• Added additional search filter for subscription search
• Corrected an issue with Total Estate value where previous year taxes row was missing

Version 5.0.36 Release Notes - 2019-07-04

Adviser and AdviserGo

• Corrected an issue where account name would not show up for dividend and yield
• Various other minor improvements

Version 5.0.29 Release Notes - 2019-06-13

Adviser and AdviserGo

• Correct an issue with Update and Promote
• Corrected an issue with Need Analyzer simulation
• Various minor report improvements

Version 5.0.27 Release Notes - 2019-06-05

Adviser

• Corrected an issue with Networth tool tip where negative networth was not displayed properly
• Corrected an issue with planned and actual contribution numbers in chart details

Version 5.0.24 Release Notes - 2019-05-28

Adviser

• Corrected an issue on the Planned Withdrawal screen

Version 5.0.23 Release Notes - 2019-05-24

AdviserGo

• Updates to What-if simulations
• Updated client file version on reports to new format
• Various other UI improvements

AdviserGo

• Added Loans under Debts bucket
• Person to Person Loan
• Loan to person outside the plan
• Various other UI improvements

Adviser

• Improved Estate Planning screen with following features
• Added option to give a fixed amount to charity and spouse
• Ability to change the order in which the estate should be distributed
• Various other UI improvements

Version 5.0.16 Release Notes - 2019-04-10

AdviserGo

• Corrected an issue with networth value in Financial Summary report
• Various other UI improvements

Version 5.0.12 Release Notes - 2019-03-12

Adviser

• Performance improvements for users with large numbers of clients and versions.

Version 5.0.2 Release Notes - 2019-02-28

Adviser

• Increase or decrease future debt payments using Steps. For details click here
• Linked Expenses removed from Debts
• Corrected issue with text size on Help Dialog menu

AdviserGo

• Increase or decrease future debt payments using Steps. For details click here
• Access frequently used clients with new Recent Clients feature. For details click here
• Property now has options to link Income and Expenses. For details click here
• Corrected issue with Financial Summary report failing to generate

Version 4.6.14 Release Notes - 2019-01-30

Adviser

• Withdrawal Limits - Users can designate a minimum balance on an account. For details click here
• Added Search By Entity Group name to User and Subscription search
• Added additional User Search by fields: Subscription Name, Subscription Group Name, SubscriptionGroup Id, Subscription Group Href Id
• Withdrawal Limit option of Max Without Penalty only available for 401k

AdviserGo

• AdviserGo now has the same Chart Details functionality as Adviser. You’ll now be able to see all transactional details in AdviserGo. Yearly chart details can be accessed from either the Dashboard or the Let’s See screen. For details click here
• Editable Plan Preferences are now fully available in AdviserGo. You can find these under Plan Settings in the Dashboard. You now have the power to edit client-specific preferences directly from AdviserGo. For details click here
• Inflation / Growth Rate
• Fees & Taxation
• Liquidation Order
• Savings Order
• Calculation Setting
• Added new option called One Time Payments where entire debt or a specific amount can be paid off on debts or lines of credit. here
• Withdrawal Limits - Users can designate a minimum balance on an account. For details click here
• Withdrawal Limit option of Max Without Penalty only available for 401k
• Various report bug fixes

Version 4.6.10 Release Notes - 2019-01-21

Adviser

• Added a new withdrawal limit called Minimum Balance
• Corrected an issue with preferences text size on Mac when its set to max

Version 4.6.3 Release Notes - 2018-12-12

Adviser

• Planned Withdrawals Get the Spotlight! You’ll no longer input withdrawals under Investments or Pensions. Instead, withdrawals will have their own section. For details click here and for videos click here
• A new panel called Withdrawal Limits has been added to the pension screens for use in setting limits on when and how money can be withdrawn from a pension. For details click here here
• Added ability to client search by adviser email in Adviser

Introducing new features in Adviser Go

• Introducing Planned Withdrawals in Adviser Go! This change will introduce some additional flexibility, making it easier to structure withdrawals according to the client's needs. For details click here and for videos click here
• Introducing Withdrawal Limits in Adviser Go! Withdrawal Limits are the restrictions you place on taking ad hoc withdrawals from a given investment in order to fulfill expenses after other income sources have been exhausted in the plan. For details click here here
• Introducing Steps in Adviser Go! Steps allow for the details of a plan account to be stepped up or down at any point in the plan timeline. These include account contributions, growth rates, and liquidation limits.
• Introducing Transfers in Adviser Go! Transfers introduces the ability to easily move money from one account to another within a plan.

Adviser Go - Other features and Improvements

• Added ability to client search by adviser email in Adviser Go
• Improved UI design for New Property, Goals and Debt
• Hide All/Show All toggle for charts now available

Version 4.5.72 Release Notes - 2018-11-01

Adviser & Adviser Go

• Fixed surplus/shortfall number for Cash Flow report when there is an unfulfilled expense
• Corrected an issue where Cash Flow report not showing Tax Credits for previous year

Version 4.5.67 Release Notes - 2018-10-04

Adviser

• Corrected an issue where transferring a client to another user using subscription manager role would not work

Adviser Go

• Corrected an issue with life needs simulation chart data
• Corrected issue with Investment Portfolio slider link not working on Investments and Pension screen

Version 4.5.66 Release Notes - 2018-09-26

Adviser Go

• Updated user interface design for an easier user experience
• Improved error validation on Create User page for invalid emails or phone numbers
• Corrected issue with Milestone Expense timeline error messages
• Corrected issue with Property only displaying one liability when it possessed more than one
• Corrected issue where pie charts stopped showing labels

Version 4.5.58 Release Notes - 2018-07-20

Adviser

• Client Archive - Users with the Client Archiver role can now archive client records. The new client archive flag allows client records to easily be excluded from client search, client synchronization, and client analytics
• Changed label from "Only Allow Preferred Payment Sources" to "Only Allow Educational Savings Accounts To Pay Expense"

Version 4.5.54 Release Notes - 2018-06-22

Voyant Adviser

• Corrected issue with Detailed Asset Report where chart colors did not match legend icon colors
• Corrected issue with Whole Life where payout year was showing asset and benefit value, instead of benefit value only
• Improved whole life timing tab experience
• Can no longer delete primary tax information
• Simplified Education expense workflow
• Debt/Line of Credit – Added interest is tax deductible option
• Basic/Leisure/Luxury Expense - Added tax deductible option
• Quebec tax credit will be adjusted in the same year instead of following year
• RRSP draw down – Only take out as needed instead of full minimum withdrawal before age 71
• Various other UI improvements

Adviser Go

• Corrected issue with Detailed Asset Report where chart colors did not match legend icon colors
• Corrected issue with Whole Life where payout year was showing asset and benefit value, instead of benefit value only
• Simplified Education expense workflow
• Debt/Line of Credit – Added interest is tax deductible option
• Basic/Leisure/Luxury Expense - Added tax deductible option
• Various minor improvements to Reports
• Various Other Mobile and Desktop UI Improvements

Version 4.5.44 Release Notes - 2018-05-07

Voyant Adviser

• Added "Percent of Equity" option for Line of Credits
• Added ability to make payments on line of credit and payoff a line of credit in exactly same manner as a regular debt
• Added an informational field on regular Debt screen called Debt Type
• Various other UI improvements

Adviser Go

• Added "Percent of Equity" option for Line of Credits
• Added ability to make payments on line of credit
• Added an informational field on regular Debt screen called Debt Type
• Improved Events and Retirement Summary reports by adding more relevant details
• Various Other Mobile and Desktop UI Improvements

Version 4.5.34 Release Notes - 2018-04-04

Voyant Adviser

• Corrected an issue with Balance Sheet report for single person plans

Version 4.5.31 Release Notes - 2018-03-15

Adviser Go

• Updated Pre-Retirement and Retirement Goal default events
• Replaced radio buttons with easy to use dropdown menus to make it easier to mark fields as yearly or monthly, yes/no,and so on
• Improved Insights performance, each tweak you make to an Insight will auto-load, saving you the hassle of more clicks
• Added a new way to filter through client plans, assuming three or more plans with at least one active plan
• Corrected issues with Financial Summary and Retirement Summary reports
• Various Other Mobile and Desktop UI Improvements

Version 4.5.30 Release Notes - 2018-02-28

Voyant Adviser

• Corrected an issue with Events and Overview report where previous scenario data would appear in the report
• Corrected an issue with Illustrated Whole life for the case where policy was saved without any data
• Various other UI improvements

Adviser Go

• Introducing new improved Timeline with drag & drop feature. Event selection and creation has been improved to give user a very friendly and guided approach.For more detailed information and instructions, click here
• Made improvements to Reports
• Corrected a typo with Maximum Contribution option
• Various Other Mobile and Desktop UI Improvements

Version 4.5.28 Release Notes - 2018-02-07

Voyant Adviser

• Added Max Contribution feature under Contribution section for Investments and Pensions
• Updated "Additional Taxes" on Taxes chart to read "Other Taxes"
• Improved the handling of RMD by transferring it to default cash account since RMD from retirement accounts are forced distributions
• Corrected Balance Sheet Report to show properties purchased in current year to keep consistent with on screen presentation
• Updated Liquidation Order and Sort Order options under Preferences to allow ordering of individual account types
• Added Line of Credit feature under Debts
• Made fact find pdf more resilient when there is no marital status field
• Added an “unlimited” group layer below the subscription layer (called Subscription Groups). The key enhancement provided by the group layer is the infinite nesting of groups within groups. This nesting allows organizations to mimic their internal multi-layer hierarchies within the Voyant Entity Group, Subscription, and new Group layers.
• Improved Market Assumption message popup when system preferences are set differently from configured default
• Added Account Locking feature to lock the account and send an email if 10 login failures are encountered on an account in a day. Locked account can be unlocked by admin user
• Various other UI improvements

Adviser Go

• Introducing improved client reports in AdviserGo
• Added ‘Include Taxes’ and ‘Exclude Taxes’ option for Retirement Spending simulation
• Improved Adviser Go All Clients search. Added My Clients and All Clients filters to improve the client search
• Added Potential CAT simulation to AdviserGo
• Added Capital Gains, Interest Yield and Dividend yield options for Investments in AdviserGo
• Added an option to add future property under Add property
• Added the ability to change plan name under My plans popup
• Improved top nav to include Reports option
• Corrected IE browser scroll bar issues
• Corrected an issue with update of events and owners when Cancel button is clicked on popups
• Improved Lets See simple and dual chart navigation options
• Various Other Mobile and Desktop UI Improvements

Version 4.4.1 Release Notes - 2017-10-03

Voyant Adviser

• Corrected the way Pension was getting calculated using 'Estimate from income' option. Now you can pick Salary Scheme option to calculate pension using income

Adviser Go

• Corrected the way Pension was getting calculated using 'Estimate from income' option. Now you can pick Salary Scheme option to calculate pension using income

Version 4.3.8 Release Notes - 2017-08-29

Voyant Adviser

• Corrected an issue with Adviser Fact Check PDF report caused by '&' in the market assumptions

Version 4.3.5 Release Notes - 2017-08-10

Voyant Adviser

• Fixed an issue with Long Term care where chart would not generate when tried to purchase a property using insurance
• Corrected an issue with breakdown of withdrawal/expense fulfilment source information under Detailed Expenses tab where last withdrawal source would overwrite existing source information
• Corrected an issue with detailed taxes chart where tax on savings income would not show up, only tax on non-savings income would show up

Adviser Go

• Fixed an issue with secondary person deletion
• Improved the performance of reports
• Various Other Mobile and Desktop UI Improvements

Version 4.3.0 Release Notes - 2017-07-24

Voyant Adviser

• Corrected an alignment issue with MS Word reports caused by an Update in MS Word
• Corrected an issue with Balance Sheet reports where joint assets would show up under Primary's column
• Corrected an issue with Balance Sheet reports where assets for Non Legal Partner would not show up

Adviser Go

• Introducing Reports in AdviserGo. Reports can be accessed using "Generate Report" button under My Plans popup and inside individual Insights/Simulation screen. Reports will give you breakdown of overall accounts, charts and allocations
• Corrected an issue with Debt Balance calculation when monthly payment option is selected
• Corrected a validation issue with linked Debt when toggled between yearly and monthly options
• Corrected an issue with event drag feature on last mortality
• Improved Property add and edit popup by adding in Cost Basis input field
• Improved UI experience for Update and Promote feature
• Improved Snapshot Integration merge feature, added nickname input field to add easy nick names for imported accounts
• Various Other Mobile and Desktop UI Improvements

Version 4.2.63 Release Notes - 2017-07-19

Voyant Adviser

• Fixed "Unable to Launch Application" issue caused by latest Java version 8 update 141

Version 4.2.62 Release Notes - 2017-07-07

Voyant Adviser

• Corrected an issue with Family balance sheet report when an asset is linked to a person other than primary and secondary
• Corrected an issue with Adviser fact check report when a stage is deleted
• Various UI improvements

Adviser Go

Top Nav Improvements
• Added a Top nav to replace left side nav bar
• Added Dashboard, Timeline, Lets See, Insights, What-if and Snapshot options to Top nav
• Added a Plus button on Client Search and Invitations page to categorize features like "Create a new Client", "Import a client" and "Invite Clients"
• Moved Waffle menu from left nav to top nav
• Moved My Plans option to the top, clicking on the plan name will open up the my plans popup
Other Fixes and Improvements
• Improved the import process with different options - Merge, Overwrite and Update
• Added support for Quovo integration
• Added support for Transact integration
• Added multi-client import feature for Transact, now you can import and merge data for 2 clients
• Various Mobile and Desktop Improvements
• Various Bug fixes

Version 4.2.57 Release Notes - 2017-06-05

Adviser Go

Snapshot and My Plan Improvements
• Improved snapshot charts and added a list view card to show all the accounts information
• Added unknown account type option in the snapshot integration process for accounts that can not be categorized, users will need to categorize accounts before updating snapshot and plan
• Asset Allocation now has its own card
• Snapshot card view selected by user will persist for the client
• Added badges to highlight active and locked plans to my plan popup
• Added Current Plan and Other plan sections to my plan popup
• Highlighted different plan access options like - Switch, Delete, Compare and Update on my plan popup
• Added plan sort by name and date feature on my plan popup
Other Fixes and Improvements
• Corrected an issue with Savings owner selection for IE11 users
• Corrected an issue with Lets See chart y-axis where chart numbers would repeat
• Various Bug fixes

Version 4.2.53 Release Notes - 2017-05-22

Voyant Adviser

• Added Critical Illness insurance
• Improved Term Life Insurance with following key features:
• Added two types - Employee Benefit and Personal Policy
• Added Payout At End of Term(Maturity) option under Advanced Settings for both types with the ability to designate the payout at the end of term using maturity growth and payout taxation options
• Added Benefit Type for Personal Policy with options Lump Sum , Regular Income , Decreasing Lump Sum and Increasing Lump Sum

• Added two Taxation Type options to Other Income and Windfall Events
• Tax at Income Rate
• Tax at Capital Gains Rate
• Estate and Legacy – fixed layout issues for Mac users and updated reports to show zero balances for clarity
• Various UI Improvements

Adviser Go

• Integrated Adviser Go and Snapshot with the ByAllAccounts account aggregation service provided by Morningstar
• Improved Import process for existing and new clients
• Corrected issues related to owner age and name when a client is imported using an integration service
• Various UI Improvements

Version 4.2.48 Release Notes - 2017-05-04

Voyant Adviser

• Corrected an issue with report generation for plans having "Inheritance" event on the timeline

Version 4.2.45 Release Notes - 2017-05-03

Voyant Adviser

• Corrected report image sizing for those using the high resolution font setting

AdviserGo

• Fixed an issue where adviser invites were counted towards the number of available consumer invites in AdviserGo

Version 4.2.34 Release Notes - 2017-03-29

Voyant Adviser

• Added a AdviserGo button on Adviser Search screen,it opens selected plan in your default browser
• Various UI Improvements

Adviser Go

• Fixed Custom Portfolio order and colors
• Added accessibility event selector on the Timing tab

Version 4.2.31 Release Notes - 2017-03-05

Voyant Adviser

• Added a feature to update a client from an existing integration. The option "Update Integrations" is available on Plan Management dialog(hammer icon).For a client that was previously imported or merged from an integrations, this button will be active. Clicking it should:
• Give the option to choose which integration to update if there are multiple (if not skip this)
• Login to the integration if credentials are not already setup (this is skipped as well if authentication is successful)
• Fetch the correct client data from the specified integration, and present the dialog giving the option to Overwrite, Merge, or Import Into
• Updated chart images in reports to show spouse age as well as primary
• Various UI Improvements

Adviser Go

• Added a feature to "Invite a Client" from the Dashboard
• Improved UI for Add and Edit popups
• Improved Add/Edit Investment, Asset Allocation and Holdings flow
• Improved Investment Growth option with the ability to manually set growth rate or select from different portfolios
• Added a feature to "Update and Promote" plan to future date
• Various desktop and mobile Improvements

Version 4.2.28 Release Notes - 2017-02-13

Adviser Go

• Added a feature to update account holdings in the plan if the plan is older than 60 days
• Added a feature where subscription owners can enable Integration services through AdviserGo
• Added a feature where an adviser can manage invited client's plan access(write/read/hidden). Few key features:
• Base Plan can not be hidden
• Adviser can change plan permissions at any time
• Client can create a what-if plan from Base plan or any other read only plan to add/update plan details
• Added a Cookie Disclosure prompt
• Improved alerts, now alerts related to the plan will show up under Lets See chart on the Dashboard
• Various UI Improvements

Version 4.2.27 Release Notes - 2017-02-08

Voyant Adviser

• Subscription Owners and Managers are restored client Export capability by default.
• Regular Adviser and Auxiliary/Paraplanner users must be explicitly granted the 'Client File Exporter' role by a subscription Owner or Manager on the Voyant web site in order to export client records out of Voyant. For more detailed information, check out this help topic.

Version 4.2.25 Release Notes - 2017-02-06

Voyant Adviser

• Fixed an issue with General Overview report where Bonus income would not show up

Version 4.2.24 Release Notes - 2017-01-24

Voyant Adviser

• Updated the font size and style(italic)for asset allocations that are not valid for the current market assumptions on the Load Asset Allocation screen
• Fixed an issue with IE11 where buttons were not clickable

Adviser Go

• Made linked plan items clickable - now you can access linked items by clicking on them
• Bookmark feature - now you can bookmark a client or any screen for a client and access directly using bookmarked url
• Hovering over the list of events on the timeline highlights the currently selected
• Lets See Charts improvement - now you will be able to navigate between charts way faster
• Saves and Loading statues are communicated with info messages/alerts
• Various UI Improvements

Version 4.2.23 Release Notes - 2017-01-17

Voyant Adviser

• Fixed an issue with Defined Benefit plans calculated from incomes

Introducing New Bolt Ons:

VoyantGo

• Extend the adviser-client relationship beyond in person meetings. Share plans with your clients or set the plan to read only and allow clients to marvel at your genius. This new platform works on any device

Voyant SNAPSHOT - New Adviser and Client Feature

• Keep the adviser-client relationship fresh and exciting every day. This dashboard functionality allows clients and you to see all their financial information in one location. Daily pricing updates provide integrated tracking of progress toward Voyant plan goals. Equity / Fund data provides insights into client holdings. It can even be used as a first date fact finding platform

Other Features and Improvements

• Added invite feature - now you can invite clients using SMS feature and get them started on VoyantGo
• Added Update and Overwrite plan features from an integration service- now you can update or overwrite your existing plan using an integration service plan
• Added left and right scroll on dashboard and lets see charts to navigate to different chart types
• Added few techniques like Swiping, pinching and long touch to get information much faster
• Various UI Improvements

Version 4.2.14 Release Notes - 2017-01-05

Voyant Adviser

• Improved Merge process from integration services in to the existing plans
• Various UI Improvements

Adviser Go

• Added Import and Merge feature- now you can import and merge clients from different integration services
• Various UI Improvements

Version 4.2.10 Release Notes - 2016-12-01

Voyant Adviser

• Fixed an issue with Market Assumptions - Dividend Yield
• Fixed an issue with integration services where credentials were not saved for a user when they become invalid at the source site
• Various UI Improvements

Adviser Go

• Added Import feature- now you can import clients from different integration services
• Added Re-brand support
• Various UI Improvements

Version 4.2.7 Release Notes - 2016-10-26

Voyant Adviser

• Fixed an issue where upgrade to Office 365 caused issues with Word Reports

Version 4.2.4 Release Notes - 2016-10-18

Voyant Adviser

• Fixed an issue with fact find pdf import when no client is selected
• Increased quality of chart images in reports
• Various UI Improvements

Adviser Go

• Fixed an issue with Lets See chart Shortfall stacking order
• Fixed an issue with Password Protected clients
• Various UI Improvements

Version 4.2.0 Release Notes - 2016-10-05

Voyant Adviser

• Added yearly asset details to Assets Detailed Report
• Added Import from integration service or file feature:-Import in to an existing client options:
• Merge into Base Plan of current client record
• Create a New Base Plan in the current client record
• Overwrite current client's existing plans
• Create a new client record
• Fixed an issue with report generation because of a Tax account
• Various UI Improvements

Adviser Go

• Added the Insurance Payout option for Bonds
• Various Mobile UI Improvements

Version 4.1.45 Release Notes - 2016-08-05

Voyant Adviser

• Fixed cumulative tax label in Taxes Detailed report
• Fixed an issue with Optimize dialog resizing
• Various UI improvements

Version 4.1.40 Release Notes - 2016-07-08

Voyant Adviser

• Fixed Breakdown of Contribution details for Need Analyser - Annual Savings
• Fixed Taxed Detailed report to show correct Cumulative data owner details at the end of report for plans starting in year 2015
• Added Detailed chart to Taxes Detailed Report
• Fixed an issue with report generation Overview – General (Events & Accounts Overview) when there are no expenses in the plan
• Changed Stage default Asset Allocation label to Growth Rate /Asset Allocation
• Added Fact Find pricing details in Web UI
• Various UI improvements

Adviser Go

• Fixed an issue where extra big or extra small icons would appear on the Lets See chart
• Fixed an issue where link icon and message would not disappear when a linked property/debt is deleted
• Fixed an issue where holdings created in previous plan would appear in the new plan
• Added a new Retirement Spending simulation
• Added Compare Plan toggle button in My Plans modal, now plans can be compared easily using this toggle
• Added Multi touch feature for mobile devices, long pressing on the lets see will take you to the yearly view
• Added Dual/Simple chart view toggle
• Improved Simple/Detailed chart selection
• Improved Chart navigation
• Various iPad and Mobile Fixes
• Fixed Goal amount validation

Version 4.1.35 Release Notes - 2016-06-22

Voyant Adviser

• Improved Taxes Detailed report to include the sum of income taxes and capital gains taxes paid over life of the plan
• Fixed Net Taxable Income on reports where individual Savings Allowance was not considered
• Fixed an issue where mini chart would not update when expenses step up/down event and/or amount is changed
• Various UI improvements

Adviser Go

• Fixed Windfall timing tab duplicate validation messages issue
• Improved Goals- Now we will have 3 type of goals - Pre-Retirement Goal, Retirement goal and Milestone Goal
• Added Edit event feature using Timeline and Lets See. Now events name, position and owners can be edited using Timeline and Lets See
• Linkage of Debt and Regular property modal item
• Fixed Various mobile issues with goals and timing tabs
• Fixed an issue with what-if plan deletion

Version 4.1.33 Release Notes - 2016-06-06

Voyant Adviser

• Persist checkbox for "Include asset allocation of unallocated/fixed growth accounts" so the AA chart reflects the preference
• Changed Lump sum needs analyser to assume lump sum is not taxable
• Updating simulations control panels for lower resolution displays.

Adviser Go

• Added Guided What-if flows - Buy a Home, Rightsize Home, Plan for College, Retire Earlier or Later, and Change Life Expectancy
• Added Insights to the left nav to highlight simulations
• Changed Property flow to include timeline and debt information
• Improved simulation calculation results handling for error cases.
• Added "My Plans" to the left nav to facilitate plan management including copying and deleting plans.
• Improved Add start and end event functionality on timeline modals. A plus(+) icon/button is added to Start and End events on all timeline screens.

Version 4.1.30 Release Notes - 2016-05-16

Fixes and Improvements in version 4.1.30

• Adviser Go - Fixed issue with plans imported from the fillable fact find or an integration partner being corrupted when edited in Go.
• Adviser Go - Corrected issue with synchronizing portfolios with long comments caused by creating multiple what if plans in Go

Version 4.1.27 Release Notes - 2016-04-27

Fixes and Improvements in version 4.1.27

• Convert Voyant Adviser to use college data collected from https://nces.ed.gov/
• Various UI updates

Version 4.1.25-SNAPSHOT Release Notes - 2016-04-10

Fixes and Improvements in version 4.1.25

• Fixed issue on Overview General report where mortgage protection premium was not showing
• Various UI improvements

Version 4.1.19 Release Notes - 2016-03-22

Fixes and Improvements in version 4.1.19

• Corrected issue with previous year total in Cash Flow Details chart.

Version 4.1.17 Release Notes - 2016-03-18

Fixes and Improvements in version 4.1.17

• Indicate market assumptions have been updated
• UI improvement to show unscheduled contributions in more descriptive detail on detailed chart views
• Created new report named "Overview - General" based on the Overview > General screen available in PDF, Word and Excel formats
• Fixed layout issue on Finametrica reports
• Various UI updates

Version 4.1.9 Release Notes - 2016-02-29

This release provides support for Voyant's new AdviserGo application.

Other Fixes and Improvements in version 4.1.9

• Readjusting Timeline for clarity and to give more space to placement of events.
• Fixed UI issues with partner integration dialogs.

Data Integration Schema Updates

• Added support for linked events such as retirement and plan end.
• For output only, added plan stage details.
• Added fixed growth rate and grow by asset allocation properties to all account items.
• Added prefilter for imported debt items to ignore payment and term values if interest only is specified.

Version 4.1.5 Release Notes - 2016-02-11

Fixes and Improvements in version 4.1.5

• Corrected recalculation of interest only debt payment when the debt amount or interest rate has changed
• Removed display of estate distribution if all estate credits are shown
• Corrected behaviour of navigation buttons on dual chart details screen
• Adjusted alignment/display of partner login screen
• Removed large space between sections in legacy overview
• Minor UI improvements

Version 4.1.4 Release Notes - 2016-01-27

Fixes and Improvements in version 4.1.4

• Several UI Improvements

Version 4.1.2 Release Notes - 2016-01-10

Fixes and Improvements in version 4.1.2

• Fixed delete button on Investments Screen Transfer details
• Corrected various high resolution layout issues
• Adjusted formatting on Chart Details view
• Corrected Detailed Cash Flow report shortfall error

Version 4.1.0 Release Notes - 2016-01-08

Happy New Year! This release introduces a text sizing feature to adjust the software's display on ultra-high resolution monitors. This feature is also useful for those who simply prefer larger text.

Please go to Preferences > Application Preferences and use the slider to select the text size which bests suits your needs. Then, restart Voyant for the changes to take effect.

For more detailed information and instructions, click here.

Version 4.0.29 Release Notes - 2015-11-18

Fixes and Improvements in version 4.0.29

• Corrected step-up/step-down issue observed on the Other Income screen.

Version 4.0.24 Release Notes - 2015-10-20

Fixes and Improvements in version 4.0.24

• Add preference for deposit accounts to grow by asset allocation separately from the original preference which now applies to non-desposit accounts only.

Version 4.0.23 Release Notes - 2015-10-12

Fixes and Improvements in version 4.0.23

• Prevent an exception when the account availability event is not specified. Will now default to start event.
• Added a 'clear all' button to the Notes Overview Panel.
• Fixed an error which sometimes occurred when opening client plans.
• Fixed issue with '&' in account name for Family Balance Sheet report.

Version 4.0.22 Release Notes - 2015-09-28

Fixes and Improvements in version 4.0.22

• Corrected configuration of Asset Allocation Optimise Button
• Improvements to error handling in Income vs. Expenses Report

Version 4.0.21 Release Notes - 2015-09-25

Fixes and Improvements in version 4.0.21

• Corrected issue preventing entry of a fixed term annuity.
• Integrations - Fixed issue with synchronizing client records having a long partnerRefId.
• Integrations - Corrected handling of scenarios where applying the holdings w/o asset allocation info for each holding cleared out the account overall asset allocation.

Version 4.0.20 Release Notes - 2015-09-09

This release includes a change to the default option for handling account yield such that interest and dividend yield is now assumed to be reinvested. Applies to new clients only.

Version 4.0.19 Release Notes - 2015-09-02

Fixes and Improvements in version 4.0.19

• Other Income - Step Up/Step Down, properly set growth rate from preferences
• Added monthly/yearly option for Employment in step up step down detail
• Fact Find Verification report, corrected real property ownership issue
• Various partner integration updates

Version 4.0.18 Release Notes - 2015-06-14

Fixes and Improvements in version 4.0.18

• Corrected Family Balance Sheet Yearly report where accounts with no first year value were omitted.
• Added Luxury Expenses to Income v Expenses report.
• Corrected Fact Find report, previously not reporting fixed employer contributions.