| Feature | Description |
| Property | - Passive Loss in Real estate can now be modeled.
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| Custom Market Assumptions | - Users who have the Market Assumptions Setup Role can now access Custom Market Assumptions.
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| Taxes | - Added default tax rates that align with actual U.S. Federal, State Income and Capital Gains tax rates.
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| Retirement Accounts | - Add Beneficiary Screen for retirement accounts
- Target Inheritance IRA is now available for designating the deceased owner the account was inherited from.
- Corrected tax treatment of Roth 401(k) distributions in the year of death.
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| Year-View, Balance Sheet, & Income vs Expenditures | - We have improved the visuals for Plan year-by-year Views, with a new consistent navigation, and header layout. The new floating menu will always be visible with options to change between views for the current year.
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| Feature | Description |
| Insight and Insight Reports |
- All insights can now be disabled/enabled via feature key. Prior to this there were several that did not have this level of control.
- For Investment Returns, modified the language to state that the baseline rate is inclusive of fees. Previously the language provided a bit less clarity.
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| Update and Promote | - Resolved an issue in the update and promote process, specifically when promoting to the same calendar year. The flow now prompts users to choose whether they would like to keep or delete items in the plan that occur within that year.
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| SJP Salesforce | - Add Life Cover Plan type mapping.
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| Company | - Allow a US advisor to add a Company to a plan. Allow a person in the plan to own a company, and be employed by a company in the plan. Calculate the company value and include it in the owner asset and net worth.
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| Reports | - Disabling by default the toggle to switch between the old and new Reports UI.
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| Feature | Description |
| Accounts | - Most account types with growth inputs now also include a 'Growth is Fixed' toggle. When enabled, the account's growth will not be affected by insights that involved market-based growth rate performance (ie. market crash, monte carlo, etc).
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| Plan Differences | - Removed erroneous message about being unable to retrieve plan differences when using the 'swap plans' button.
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| Monte Carlo | - Monte Carlo will now display on the reports with the corresponding information from the generated insight.
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| Reports | - Updated missing table header in Estate Analysis Detailed chart to display the correct name.
- Fixed an issue where Non-Legal Partner’s age wasn’t displaying on the x-axis of Report Charts.
- Updated table spacing within Assets (Detailed) Report.
- Updated Plan Facts and Assumptions Report to fit properly when in the report page.
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| Social Security | - Updated the Survivor Spouse Benefit to now correctly determined the higher of the individual's own benefit, or the survivor benefit when the deceased has a Social Security type of 'Currently Receiving'.
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| Feature | Description |
| Reports | - In the new reports page, hovering over a report section in the reports library will now display a preview image of the report.
- Added a disclaimer message when configuring a detailed report section of a child or other plan. Specific text is “The events shown in the timeline are based on the current plan. if you have specified a different plan for this report, the events below may not be accurate.”
- Corrected an issue regarding the Retirement Summary report wherein we now ensure that the report lump sum section is using retirement as the event and not whatever the last selected event was from the insight.
- Updated Income vs Expenditures report header to now include Real Money in the title if the Real Money option is selected when running the report.
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| Save and Add Another Gifting Goal | - Fixed a bug where Save and Add another Gifting Goal created a new Gifting Expense instead.
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| Legacy Page and Estate Report | - Resolved an issue with understated debt values on the legacy page.
Updated estate reports linked to life insurance payouts.
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| Property | - Fixed an issue with rental income being used to fulfill the purchase cost of its linked property. Rental income will now only display after the associated asset has been purchased.
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| Feature | Description |
| Retirement Accounts | - Resolved timeout issue when the employer contribution match is selected, and the linked income item has been deleted.
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| Integrations - Launch in Context | - Fixed unlikely case where the app crashed during the Launch in Context ‘Merge’ flow for integrations that do not provide a birthday for the imported people.
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| Reports | - The reports selection page has been upgraded with a new look and enhanced functionality:
- Report set management has moved to is own page.
- When creating a report set there are options to add, delete and re-arrange report sections.
- Added ability for custom adviser notes at the end of each report section.
- Export options are now located at the top of the screen.
- Added the ability to select distinct periods for each report.
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| Chart Errors | - An Expense with a value of 0 formerly caused AdviserGo to display an error. This has been changed to a chart warning.
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| System Admin | - Added the ability to remove password from a Client for System Admins in the Admin Console.
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| Feature | Description |
| Insights | - Fixed a visual bug when re-running an insight with the ‘Dual Charts’ display mode on.
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| Savings & Investments | - When selecting Stock Grant → Future Vesting, Fixed an issue in which input values are duplicated after a user clicks on 'Clear'.
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| Client | - Added a feature key which will disable the option to select a gender during client set up. The feature key also has the ability to be re-enabled.
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| Annuities | - In the Immediate/Deferred Annuity ‘Lifetime’ dropdown will always show regardless of account type.
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| Social Security | - Fixed an issue where Social Security has been deleted when the new start year is later than the year of linked event, which created an issue where Clients were unable to Promote and Update Plan.
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| Pension | - Fixed an issue where the pension field displayed zero when the new start year for updating and promoting the plan was later than the pension's original start year.
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| Feature | Description |
| Goals | - Updated the Buy Property Goal to have a “Save & Add Another” function.
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| Clients | - When managing Client Access and selecting Client Lock, the modal now closes after making the selection.
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| Login Page | - Users will now receive an alert suggesting to change regions when they’re visiting a version of Voyant designed for another country.
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| Social Security | - Updated calculations for when a Client is receiving Social Security Survivor Benefit to show that they are receiving the full amount.
- When generating a Social Security Model if the user selects Receive Spousal Benefit as Social Security Type then a field for Social Security Start Date will display.
- Added Receive Spousal Benefit Type for a non-working spouse to receive benefits based on the working spouse’s record.
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| Reports | - Updated footer of the Reports to display the correct plan name.
- Updated Reports to no longer display Pension Details title if there is no Pension in the plan.
- Fixed formatting on last page of Taxes Detailed Report when not enough years are present to fill all columns.
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| Plan Settings | - Updated Major Loss input within Plan Settings to correctly display a Negative Fixed Growth when selected.
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| Feature | Description |
| Accounts | - When clicking to Edit an Account from Income vs Expenditures or Balance Sheet, you will now always be returned to your previous page on Cancel or Done rather than back to the Dashboard.
- Updated Event edits to display full screen. Corrected the editing feature in the Model to return to the previous location rather than the Dashboard when selecting Cancel or Done.
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| Modals | - Updated Edit Modal to support Bootstrap 4 update and Modal accessibility features.
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| Reports | - When generating a Life Needs Insight Report and there is an calculation error, N/A will be displayed as the need value instead of 0.
- Enhanced Reports Sets feature to have a key that enables the user to view and manage Subscription Report Sets. The setting is off by default but can be enabled by a Subscription Owner/Manager. When the Report Sets are not available the configuration page will not be displayed.
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| ClientGo | - Corrected issue within ClientGo when attempting to add a finance such as personal pension or a money purchase and selecting the contribution type as percentage of income where the screen was unresponsive after the input of a decimal.
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| Insights | - Updated Estate Plan Tax Insight to Deduct Charitable Estate Distributions from Net Worth After Taxes.
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| Feature | Description |
| Reports | - When generating an Estate Analysis Detailed Report, the information displayed on the application now matches up to the generated report.
- Updated Loss Capacity Report to display the Asset by Type chart and chart legend as displayed in the generated Loss Capacity Insight.
- When generating an Enhanced Estate Analysis Report for a single person in the plan the hyphen next to the name is removed, when there are 2 people within the report, they are now separated by a pipeline character.
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| Loans | - Updated the Loan Line Of Credit to now allow both Whole Life Insurance and Universal/Variable Life Insurance.
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| Shareholder Loans | - Updated the Value to Estate column to now correctly reflect the Shareholder Loan at the value of the lenders death, this is only appplicable when the client who has passed has a surviving spouse. Updated the Legacy Details page to display entry of Shareholder Loan to spouse in the Non Taxable Distribution section.
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| Debts | - Updated Universal Life Insurance and Whole Life Insurance to have the ability to link to a Debt or a Line Of Credit.
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| Feature | Description |
| Trusts |
- Nine additional US Trust Types have been added for a total of eleven options. Optional functionality has been added for advanced trust behavior modification applicable to all trust types.
- When Trust set to distribute All capital, any of the Trust owned property should be transferred to beneficiary by transferring ownership and carry over the original cost basis without taxes being incurred.
- Revocable Trusts left to spouse have been updated to no longer be included in the estate, and Revocable Trusts left to beneficiaries other than the spouse are now counted and possibly taxed.
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| Goals | - Introducing two new goal types: Gifting and Buy Property. The gifting goal can be used to track gifts to charities or others with corresponding tax implications. The buy property goal can be used with any asset type and will create a linked property/asset in the plan.
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| Reports |
- Disallow users from spamming the generate report button while a report is currently being generated.
- Corrected an issue with legends not present on exported reports.
- The reports now display the Gifting and Buy Property Goal types.
- Variable Annuities will now be displayed under the Retirement Accounts section of the Fact Find Report.
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| Accounts |
- The Line of Credit is now available as a payment source for all expenses and debts that already have the Payment Source tab. Other types of debts or loans are not included intentionally.
- Reduce default settings for account liquidation and increase ratio towards capital gains over income taxes.
- Use preferred funding source in liquidation order that's input.
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| Taxes | - Tax rate updates to reflect the year in view.
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| Feature | Description |
| Legacy | - Addressed an alignment issue for Lifetime Gifts table under Detailed Legacy View to clearly differentiate gift amounts and non-exempt amounts.
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| Financial Assumptions |
- We have refreshed the Custom Market Assumptions uploader with a new look, including the ability to preview the investment classes & their specific rates. This feature has moved from the Profile Dropdown to the new Financial Assumptions dropdown on the main advisor route.
- Things moved to the Financial Assumptions dropdown are Subscription Preferences, Model Portfolios, Market Assumptions, Tax Regimes.
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| DAF | - Donor Advised Funds can now be modeled to grow by asset allocation.
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| Reports | - Since Potential IHT/Estate Tax is real money eligible, the real money icon will now appear on the right side of the reports page if the Potential IHT/Estate Tax insight report is selected and the real money toggle is on.
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| Accessibility |
- Fixed footer for a11y reports- were causing additional pages and were not properly aligned.
- Added alert for screenreaders on plan change saves.
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| Legacy |
- Exclude same year property purchase that has not been fulfilled since the expectation is that the asset is either purchased or not purchased but never both.
- In Legacy tab the Legacy value will now match the total of Total Value column instead of Estate Value total column.
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| Property | - The Inflation Rate input field is now hidden for new purchases, provided that the market value is entered as a future value.
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| Trust | - Fixed an issue where trust capital or income distributions to a person outside plan go to an account owned by the plan primary or spouse.
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| Feature | Description |
| KnowlegeBase | - Support|For multi-tenant users only (non-enterprise), a link to Voyant’s Support Knowledge Base is now displayed in the upper right corner in AdviserGo.
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| Transfers | - Fixed a bug where the red validation border is still active when the Transfer From account is already selected.
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| Loans | - Added a Present Value vs. Future Value toggle for future loans, hidden for existing loans.
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| Stock Grant | - Stock Grant Year View Details – The display of Price (Start of Year), Price (End of Year), and Strike Price values has been updated to show values down to the penny.
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| Adviser->AdviserGo | - Term Life Insurance | Added fields to control benefit and premium escalation over time.
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| Report |
- Current Year Cash Flow Report|Fixed formatting issue impacting subsequent reports when the Current Year Cash Flow Report exceeds one page.
- Carryover Tax Expense|We added logic to further specify the Owner for Estate Reports to prevent duplicate labeling.
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| Feature | Description |
| Plan Dates | - Move Plan Start Date|Users can now move the base plan start date backward in time. Select Edit Plan Start Date from the plan actions menu under Plan Dropdown, Manage Plans. Moving the date forward will still require the use of the Update and Promote flow.
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| UI |
- Fixed an issue on touchscreen devices, like iPad, where users were unable to hide/unhide chart items via the legend.
- Fixed an uncommon issue where users were unable to save a 0% value if the input was previously blank.
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| Accessibiliy |
- Improved Accessibility on the Login Page by adding appropriate alt attributes to images and form inputs, ensuring proper ARIA roles utilized, enhancing keyboard nav and focus management, verifying contrast ratios for text and background colors, etc. General housekeeping.
- Added accessible headings and styles for What If flows.
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| Liquidation | - Stock Grant Liquidation|Enhanced the user experience by changing the liquidation type labels for clarity. From Fixed Amount to Fixed Amount Recurring. From Number Of Shares to Number Of Shares Recurring.
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| Stock Grant | - ESO - Sell percentage of the shares to purchase the rest issues resolved.
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| Estate |
- Potential IHT Insight|Redesigned UI Charts and Report to include yearly analysis of before benefits, death benefits, before taxes, Inheritance Tax, Estate Distribution, and Net Estate.
- Potential Estate Tax Simulation and Report|Extended Timeline to Plan End
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| ClientGo | - Users can now edit expenses added by their advisor via AdviserGo- previously a user was able to edit expenses entered in ClientGo only.
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| Admin | - Feature Key Descriptions|In the admin console, feature keys now have descriptions in a new column.
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| Year View | - Improved the Year View data for RSUs by removing some unnecessary information.
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| Report | - Plan Facts Report | Update windfall value such that it does not have the per month indicator since it is not a monthly value.
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| Feature | Description |
| Inline Help | - Inline Help can be set on by default by administrative user or Voyant support by enabling the feature key enable-inline-help-default (requires feature key learning-system, can subsequently be turned off persistently by the user if desired.)
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| Events | - Property and Multi-year expense timing are now defaulted to the plan end event and not the last mortality event.
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| Stock Grant | - Improved the user experience by simplifying the inputs for stock grant. Stock grant now only needs the remaining shares to be modeled.
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| Accessibility | - The A11y report option now provides a zip with chart data, as well as the A11y report pdf.
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| Guided What If | - Buy A Home and Rightsize Guided WhatIf| now default the property timing to plan end. NOTE that changing owner of property will not impact timing.
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| Year View | - Corrected a situation where Year View showed No Investment Data Available for nnnn (where nnnn is a valid year in plan with investment data) such that the phrase only appears when there is no investment data for the selected year.
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| Feature | Description |
| Tax Rate Brackets | - Add an illustration displaying tax rate brackets. Requires effective-brackets feature key be enabled. US region under Plan Settings/Federal-State Tax Brackets and visible if two or more tax brackets.
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| NEW- Planned Withdrawal Type | - We added a scheduled withdrawal type called Annual GMIB and you may now select a Variable Annuity as a source account to schedule withdrawals of GMIB income.
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| Cash Flow Charts | - Fixed an issue where Loan Payments and Insurance chart items appeared in the opposite order between AdviserGo and the Report Cash Flow Charts.
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| Transfers | - When a user adds a transfer from an account edit screen, the UI now requires the user define if the account is the target or destination account.
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| Action Item Report | - Improved Transfer Reporting for Roth Conversions by listing actual transfer amount and source. Each transfer will correlate to a single action item titled with the target account.
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| Feature | Description |
| Accessibility | - Added accessibility form controls to the client password input, and an error message if the password is wrong or empty.
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| Employments | - Fixed a bug where dividends were not included in the dashboard value for Employments on subsequent saves.
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| Let’s See Charts | - Fixed a bug where the UI resets the chart type when the user navigates away.
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| Investment Returns Insight | - Users can now choose whether to include or exclude cash accounts in the calculation.
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| Roth Conversion Insight | - Fixed an issue where a person ID is showing instead of name.
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| Integration- Pershing | - Pershing Import Integration is available in Beta. Want to be a beta tester? Contact Voyant Support.
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| Feature | Description |
| New Feature: Generate What-If Plan from Insight Results | - Currently enabled only for the Longevity Risk and Roth Conversion insights. Click the eponymous button to Create a plan from the results of insights and dive deeper. Coming soon to additional insights.
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| Transfers |
- The UI now seamlessly handles changes to transfer events. When converting a recurring transfer to a single event, the start event automatically becomes the single event. The end event is discreetly retained, ready to reappear if the transfer is switched to recurring.
- Added validation to prevent creating a transfer without a source account
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| Monte Carlo | - Corrected an issue where the spouse age was intermittently plotted on the Monte Carlo chart.
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| Variable Annuities |
- You can now add beneficiaries to variable annuities to allocate payouts on mortality.
- Variable Annuities now rollover to an IRA of a beneficiary.
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| Linking Properties from a Debt | - Resolved an issue where newly linked properties from a debt did not consistently save.
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| Insights |
- Insight results charts will now display results using real money values.
- Annuity Insight can now be saved to the plan.
- Roth Conversion Insight can now be saved to the plan.
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| Feature | Description |
| Accessibility Improvements | - A number of accessibility improvements have been made including:
- Users can now navigate the charts with their keyboard.
- Screen readers will now announce the legends for the charts.
- Users can now click on the labels in the charts with the keyboard.
- Upgraded the charting library used in AdviserGo to provide additional options to address accessibility needs.
- Corrected multiple table headings and structure.
- To enhance keyboard navigation, all interactive buttons and links now receive clear visual focus indicators when tabbed through. These indicators may include an underline, a change in font weight, a background color change, or a border around the focused item. This enhancement ensures that keyboard users can easily identify and interact with elements throughout the application.
- Corrected several roles issues.
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| Broker Dealer Registration | - Option available to request and include your firm’s name on registration page for new users; ex. Sign up intended for [YOUR BD Name]financial advisers only.
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| Icons |
- We implemented a refreshed set of icons across our entire product suite, designed to embrace a contemporary design with increased contrast, improving comprehension at a glace. Customized icons are not affected.
- Enhanced the report bar charts with new event icons and a restructured event representation.
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| Plan Promotion | - Addressed items related to promoting the following entities from child plans to base plans.
- Trusts with Beneficiary Information applies to trusts in Canada, the United States, and Australia.
- Companies with Common and Preferred Share Ownership:
- Common share ownership and preferred share ownership percentages for companies in child plans will now be promoted correctly to the base plan.
- This applies to companies in Canada, the United Kingdom, and Australia.
- Term Life/Whole Life/Protection - Beneficiaries and Maturity Data:
- Beneficiary percentages for Term Life, Whole Life, and Protection insurance policies in child plans will now be retained when promoted to the base plan.
- Maturity data for insurance policies in child plans will now be promoted correctly to the base plan.
- These changes apply to insurance policies in the United States, the United Kingdom, and Australia.|
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| 2024 Updates | - 2024 IRS contribution, threshold and other tables updated. Major updates include IRA contribution increase of $500 from $6,500 to $7,000, and annual gift exclusion increase of $1,000 from $17,000 to $18,000.
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| Feature | Description |
| Cash Flow Detailed Report | - The stack order of an Insurance on the Cash Flow Detailed chart has been adjusted to match with the ordering on the PDF report. Previously, Insurance was displayed as the last element in the chart but was listed as the third item in the report.
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| Sample Clients | - Advisers can now add sample clients to their AdviserGo accounts with ease. Simply click the Sample Clients tab on the advisor homepage to see a list of pre-created clients that you can add, and optionally, copy and give a custom name. Requires show-sample-client feature key.
- Click the Sample Clients tab on the advisor homepage.
- Browse the list of sample clients and click the one you want to add.
- If a sample client with the same name already exists, you'll be prompted to either create a new copy or navigate to the existing client.
- If you are creating a new copy, you will be able to specify the client type and first and last name.
- Click Save to add the client to your account.
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| Planned Withdrawals | - Corrected an issue where non-Roth accounts were able to be withdrawn as Max without penalty.
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| Investment Returns | - The Investment Returns Insight now includes cash accounts in its calculations.
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| Roth Accounts | - Roth IRA and Roth 401(k) accounts now offer early withdrawals without penalty option.
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| Monte Carlo | - Monte Carlo Insight in AdviserGo now includes Net Worth Goals and goals created in ClientGo.
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| Cash Value Life Insurance | - Cash Value is a form of permanent life insurance that provides lifelong coverage and accumulates cash value over time.
- *Cash value growth:* A portion of the insurance premium goes to the cash value, which can grow either with a fixed rate or based on a selected portfolio. Real growth rate is limited by a cap, floor, and participation rate.
- *Withdrawals:* Allow withdrawals from cash value. If the total withdrawal is greater than the cost basis (the total amount contributed to the cash portion), gains will be taxed as ordinary income.
- *Death benefit:* The death benefit is the maximum value between the cash value on death and the preset death benefit.
- *Policy input:* You can input a policy manually or upload a CSV file.
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| Social Security Insight | - Compare Social Security Benefits by easily adjusting retirement age and life expectancy to maximize benefits. Contact Voyant to enable this feature.
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| Roth Conversion Insight | - The new Roth conversion insight allows users to prepare a what-if plan for Roth conversions. This feature allows users to compare the results of a Roth conversion to their original plan, including the impact on their legacy, inheritance, taxes, RMDs, and shortfall saved. Contact Voyant to enable this feature.
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| Voyant Disclaimer | - Updated the Voyant default disclaimer in client reports to be more informative.
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| Custom Market Assumptions | - Improved the accuracy of correlation coefficients file uploads by adding additional validation.
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| Feature | Description |
| NEW Insight: Long Term Care | - Can now model Long Term Care insurance to enhance discussions with your client.
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| NEW Insight: Disability Insurance | - Can now model loss of income with disability insurance in a plan.
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| NEW Ownership Transfer (non-trust accounts) | - This release implements item ownership transfer functionality for non-trust accounts and investments. This feature allows plan members to gift items to other plan members.
- Tax implications: When an item is transferred, the original owner may be liable for capital gains tax.
- Lifetime gift/estate exemption (LTA): Transfers to people in the plan, other than the transferor's spouse, increment the LTA. Transfers to people outside of the plan increment the LTA only if the amount transferred exceeds the annual gift allowance.
- Jointly owned items: When a jointly owned item is transferred, the LTA is incremented for both owners.
- Spouse transfers: Transfers to a spouse do not have any LTA or tax implications.
- Transfers outside of the plan: Transfers to people outside of the plan can currently only be done with property.
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| Insights | - Added a dual chart view to insights to allow comparison of insight chart to plan chart, and other improvements in design and labelling consistency across insights.
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| Client Invites | - Advisors now have the option to deliver the client PIN manually if the client is unable to access the PIN via SMS.
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| Feature | Description |
| College Search | - The College Search module has been updated with the most recent data, including tuition and fees from over 6,200 U.S. colleges and universities.
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| Donor-Advised Funds | - Allow people to get tax deduction when they contribute to DAF. The fund in DAF can grow tax-free and be donated to charity in the future. The tax deduction rules and other key features are listed below:
- When we donate cash, we can get a tax deduction up to 60% of AGI.
- When we donate asset (investment), we can get a deduction up to 30% of AGI. If the asset has gains and we directly transfer it to charity, there won�t be realized gains. If the asset has loss, we may choose to liquidate it to realize the loss and then donate the cash.
- The unused deduction can be carried forward for up to 5 years.
- Only allow savings/checking/investment account to transfer to DAF. When transfer from investment account to DAF, we can see an option on the transfer view allowing users to decide whether liquidate the asset before transferring to DAF.
- The tax deduction first reduce the taxable income (shows under Below Line Deduction), then are applies to adjusted net capital�gain (shows under capital gains deductions).
- In legacy view, we can see a new field called Total Charitable Impact. The value is the sum of legacy expense the client creates during his lifetime plus the remaining fund in DAF.
- Cannot withdraw from DAF directly. Only allow DAF to fulfill legacy expense to charity.
- No tax deduction when using DAF to fulfill charitable expense (Deductions occurs when contributing to DAF).
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| Roth 401k | - Fixed a bug where a decimal Roth percentage input resulted in a miscalculation for the Traditional Contribution Percentage
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| Plan Promotion | - Outdated Onetime Payments and Pension Drawdowns are removed from plan.
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| Feature | Description |
| Reverse Mortgage/Equity Release |
- Reverse Mortgage is now available in AU and US. Equity Release is now available in UK & IE. Advisors can now add this model when creating or editing a property. Advisors can also add it via the plus button under Debts.
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| Potential Estate Tax Simulation |
- Added a Potential Estate Tax simulation which generates the potential estate tax for every year. If the client has a spouse, we assume the same mortality year to calculate estate tax. This feature is only available on our core environments at this time.
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| Future Property Purchase and Mortgages |
- Updates to Debt calculations as follows: Present Value Debt Payments are now grown using the Inflation Rate of the linked asset, Debt payments are rounded up to the nearest dollar and last the full term resulting in the final payment being slightly reduced.
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| Pension Optimization |
- Defined Benefit Pension supports survivorship pre-start event beginning at owner mortality event.
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| Income vs. Expenditures |
- Income vs. Expenditures includes Legacy gift Expense and Whole Life Insurance expense in the Allocated to Savings section.
|