From analysis to a fundable plan.
Income and expense analysis, goal planning, cashflow projection, gap analysis, and the investment proposal, unified in one connected planning engine.
Six planning capabilities
Income & Expense Analysis
A multi-dimensional analytical engine: income breakdown, pre- vs. post-retirement income, expense categories, debt breakdown, liability schedule, and a 10-year income vs. expense projection with net annual surplus/deficit tracking.
Goal Planning & the X Curve
Goal planning converts present-value financial data into future-value targets, while earmarking and priority-based funding ensure resources reach each goal when they are needed. Includes the X Curve Model, goal details, and goals summary.
Cashflow Projection
Year-by-year income vs. expense modelling across Accumulation, Transition, and Retirement phases, with cumulative surplus and net worth trajectory visualisation.
Gap Analysis
DIME insurance gap analysis, review of all planned and recommended actions, and a consolidated action plan identifying financial shortfalls across all planning dimensions.
Investment Proposal
Built on the client's risk profile with advisor-curated product selection: Model Portfolio widget, Current Allocation widget, Model vs. Current Deviation widget, and Proposed Investment Products widget.
Priority Funding
Earmark resources against goals by priority, so funding flows to the goals that matter most and shortfalls surface while there is still time to address them.
How a plan comes together
Analyze the snapshot
Income, expense, debt, and liability breakdowns with a 10-year projection and net annual surplus/deficit.
Set and prioritize goals
Convert present values to future-value targets; earmark funding by priority.
Project the cashflow
Model Accumulation, Transition, and Retirement phases with net worth trajectory.
Find the gaps
DIME insurance gap analysis and a consolidated action plan across all planning dimensions.
Propose the investments
Model vs. current allocation deviation and advisor-curated product recommendations.
Cashflow across three retirement phases
Year-by-year modelling across all three phases of a client's financial life, with cumulative surplus and net worth trajectory visualised, so every client conversation is grounded in evidence.
The earning years, when assets are built against goals.
The handoff period where income mix and risk change.
The drawdown years: surplus, deficit, and net worth trajectory.
A complete planning cycle,
from analysis to proposal
Watch analysis, goals, cashflow, gaps, and the investment proposal come together on a live client scenario.