Voyant Ireland Adviser Previous Release Notes

Version 5.98 Release Notes - Production Deploy date 2023-06-29

AdviserGo

• The Market Assumptions Uploader previously displayed generic error messages when asset class names did not match the names used in the system. We have added more specific error messages for mismatched asset class names.
• Added the ability to indicate whether a withdrawal limit amount is future or present value.
• Vault | Users can now be invited to and use Vault without requiring a planning license too.
• Previously, jointly owned expenses were also displayed in the column of the deceased client on the Income vs. Expenditures screen. This has been fixed and jointly owned expenses will now be displayed in the column of the survivor.
• Market assumptions uploaded with no investment class set name will get compatible model portfolios when a risk order is not specified.

Version 5.97 Release Notes - Production Deploy date 2023-06-15

AdviserGo

• Added a model portfolio manager to AdviserGo. This manager can be accessed if the user has ROLE_MODEL_PORTFOLIO_SETUP role, and the feature flag model-portfolio-manager is not disabled.

Version 5.96 Release Notes - Production Deploy date 2023-06-01

AdviserGo

• Addition of error, loading, and Not Found states to Securities Search inside of: Item Edit|Growth|Holdings|Add Security.
• Added Present Value/Future Value functionality. This feature allows users to handle values based on present or future terms, depending on the specific item being addressed within the plan. Default changed to Future Value in Savings, investments, Retirement, Debt, Income Protection, Distribution for new models. Existing models remain Present Value.
• Adviser to AdviserGo | Line of Credit Payoff Events created in the legacy Adviser software are now converted to linked Onetime Payments in AdviserGo, allowing for easier editing.
• Corrected Long Term Care simple benefit escalation calculations.
• Income vs. Expenditure on screen view now shows non-legal partners in a separate column from Family and Trusts

Other Applications

• ClientGo | Addressed issue causing mis-alignment of icons for Safari users.
• Home | Users will now receive a helpful |Page Not Found| message instead of a blank page if they enter an invalid URL.

Version 5.95 Release Notes - Production Deploy date 2023-05-18

AdviserGo

• When changing plans, the application will no longer transition the user back to the dashboard every time. If the page is supported, the application will now transition the user to the same page they were on before changing plans.
• The UI now respects the feature key {{require-tracking-id}} . If this key is enabled, and tracking ID is enabled, the UI will force the user to enter a tracking ID.
• Addressed a display issue where newly created Legacy Expenses would be shown as Goals in the Dashboard until the next load of the client.

Version 5.94 Release Notes - Production Deploy date 2023-05-04

AdviserGo

• Added example upload .csv files of a investment averages file and a correlation coefficient file on the custom market assumptions page behind a clickable link.
• In order to provide users with more flexibility, we now allow the use of SMS 2-factor authentication. A dedicated MFA verification page has been added with a feature to request a new code if the old one has not been received.
• Introducing Plan Differences: The New Way to Compare Plans. A new feature allows one to compare any two plans in a single view. Easily see the differences between the two plans, without having to switch back and forth between them. To view, go to Overview | Plan Differences, select the two comparison plans. Plan Differences will then display a side-by-side comparison of the two plans.
• Updated MFA text description
• Adviser to AdviserGo | Improvement to the user experience when we receive an error from an integration source. Previously, the UI would display an alert asking the user to confirm that they want to leave the page without context. In this release, we have changed the UI to show notification of the failure and redirect the user to the Client Dashboard.
• Adviser to AdviserGo | Debt Payoff Events created in the legacy Adviser software are now converted to linked Onetime Payments in AdviserGo, allowing for easier editing.
• Corrected an issue with the timing of an asset linked expense fulfillment. Previously, asset linked expenses were fulfilled at the beginning of the year, even if owned by individuals. This meant individuals' employment income was consumed by the expenses, even though they had not yet paid taxes on that income. The asset linked expense fulfillment is now only processed at the beginning of the year if owned by trusts and companies.
• Jointly owned debts were temporarily created as a single debt, even when owned by multiple people, leading to an incorrect result at an owner's mortality. Resolved such that jointly owned debts treated separately.

Other Applications

• HOME | In the past, users could only use a 3rd party app for multi-factor authentication. Now, we are excited to announce that users can use either text messaging or a 3rd party app for multi-factor authentication!
• HOME | If a user is actively using muiti-factor authentication and wishes to self-deactivate his/her device, user must now submit a code (prompted on the screen).
• ClientGo, Snapshot, & Vault | Added better error handling when users attempt to access a URL without proper authorization.

Version 5.93 Release Notes - Production Deploy date 2023-05-04

AdviserGo

• Feature keyed enhancement; An additional menu item is available to be added behind the client name to view the client record in the Administrative console.
• Corrected a tabbing order issue in Dashboard, Dashboard year view, and Lets See pages.
• Corrected an issue wherein a double click on subscription preferences routes to a blank page.
• Adviser to AdviserGo | Property and Windfalls created using timing type age will automatically be converted to use events created based on the input age. This conversion will occur in Adviser and AdviserGo when opening or importing plans with models that use timing type age. Also, Insurance functionality for |begin premiums at age| is now available in AdviserGo.

Version 5.92 Release Notes - Production Deploy date 2023-04-06

AdviserGo

• Updated Navigation | for an advisor user | Clicking the logo from within a client will now route to client search, rather than the client Dashboard page.
• Now able to input decimal value in the Multiple field for Pension Crystallisation when Lump Sum Option is Salary Multiple.
• Added Additional Details tab with Auxiliary Details radio buttons for both child and grandchild person types (when adding child or grandchild under age 18).
• Fixed an issue with the payment of debt linked to insurance such that it is now properly displayed as Additional Payment in Year View Debt section.
• Withdrawal Limits have been removed from Defined Benefit Pensions, and Planned Withdrawals linked to a Defined Benefit Pension have been linked to the ARF account.

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.
• In the IE Defined Benefit Pension- basics tab, there is a new section called Individual Employee Contribution, which is collapsed by default, and if true the contribution type input field and the corresponding input field are displayed.
• Individual Employee Contribution is now available for Defined Benefit Pensions.

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.
• Added ability to set growth rate for State Pensions.

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

• Updated Pension report to show the pension title on each page of the report.
• Corrected duplicate paraplanner name on client search screen.

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.
• 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.
• Ability in AdvisorGo to link debts to term insurance and set pay off order.
• Windfall Tax Functionality
• Added Linked Debts to Critical Illness Insurance
• Features from Adviser now available in AdviserGo:
  • Ability to decide survivorship of other income after owners mortality.
  • Cashflow Simple Report
  • Term Life Insurance and Endowments now supports Maturity options for Payout at the End of the Term

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.
• Updated Cash Flow Detailed Report to incorporate UK & IE taxes in the expenses section.
• Features from Adviser now available in AdviserGo:
  • Liquid Assets Detailed Report - projects the value of Savings, Investments and Pensions accounts over time. Non-liquid assets such as Property are not included.
  • Income vs. Expenditure Report - displays incomes, expenses, savings, taxes and resulting surplus or shortfall for the current year.
  • Show inflation as a valid asset class

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

• Added the ability to select a Savings Account to Offset a Mortgage Debt and reduce Interest payments.
• 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.
• Features from Adviser now available in AdviserGo:
  • Liquid Assets Simple report added
  • Property Taxation Options for Qualifies for Main Residence IHT Exemption and Qualifies for IHT Relief (BPR/APR) are now available in AdvisorGo.

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.
• 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
• 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%

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.
• Added Current Year Cashflow report to available report suite.

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 available to add directly in AdviserGo just yet.
• 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.

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

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Version 5.71.0 Release Notes - 2022-05-06

AdviserGo

• Removed unnecessary balance input field to improve user experience when entering a new exit tax investment.
• 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.
• Masked display of the tax group dropdown for Windfalls other than Gifts/Inheritance.
• Updated configuration to properly display LOC in UI and reports.

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

• Updated search feature to allow users to search for locked clients in environments where that feature is enabled.
• 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.

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

• Corrected categorization of Education Goal funding sources in Education Summary.

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.
• Removed AMRF display text from the application in favor of ARF.

Version 5.63.1 Release Notes - 2022-01-19

AdviserGo

• Added Pension report previously not available in AdviserGo (only Adviser).
• Corrected an issue with curent year net worth report when a corporate property is bought using corporate funds.
• Removed AMRF option and Converted all existing user created AMRF accounts created before this update to be, and function like, ARF accounts per updated 2022 guidelines regarding AMRF.

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

Version 5.61.0 Release Notes - 2021-12-08

AdviserGo

• Added Offshore Taxable Investment accounts to IE.
• 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.
• 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 cash account upon receipt, rather they are now treated as regular credits.
• Tax related rates, thresholds, allowances, credits, and pension rates updated for 2022.

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.
• Fixed a bug that the Required Minimum Distribution (RMD) triggered another withdrawal to pay the tax.
• 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.
• 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.

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

• For better usability, the UI will hide Pensionable Salary input field on a Final Salary if a linked income has been selected. In addition to that, the UI will show a validation error if the user didn't enter a Pensionable Salary and they also didn't select a linked income.

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: (IE)Income Tax, Capital Gains, PAYE tax, DIRT Tax, Exit Tax, 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 .
• Corrected an issue where the fee rate percent was not saving on an investment.
• 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 5.48.0 Release Notes - 2021-06-14

AdviserGo

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Version 5.47.1 Release Notes - 2021-06-08

AdviserGo

• 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.

Version 5.46.0 Release Notes - 2021-05-18

AdviserGo

• Added Balance Sheet to the report suite.
• Corrected missing translation for Disability event on the Event Report.
• Corrected the icon displayed for Home event. Was a boat.
• 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

AdviserGo

• 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

AdviserGo

• 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 and AdviserGo

• 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 and AdviserGo

• 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.

Version 5.41.0 Release Notes - 2021-03-09

Adviser and AdviserGo

• Added the ability to change Market Assumptions in a Plan.
• Corrected an issue with net worth value when Real Money option is selected- the Net Worth figure shown on chart hover differed from the value stated in the Net Worth field below the chart.
• Fixed several miscellaneous visual bugs for alignment of the event selection field on steps, and timing tabs, and inline event selections.
• Updated Ireland Default assumptions to latest data. European Direct Property asset class was removed thus Asset Allocations using European Direct Property will have that asset class converted to the Cash asset class.

Version 5.40.0 Release Notes - 2021-02-23

Adviser and AdviserGo

• Added IE pension crystallisation model to AdviserGo
• Corrected a dependency for proper UI handling of the customize option for Estate Analysis- Detailed Reports (to allow more granular Estate Report selection).
• Corrected an issue where the Fact Find report showed Income Protection incorrectly as type = Disability.
• Added support for subsequent stock grants in the Stock model under Future Grants.
• Corrected an issue where the Fact Find report showed Defined Benefit Pensions incorrectly as type = Final Salary.

Version 5.39.0 Release Notes - 2021-02-08

Adviser and AdviserGo

• 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.
• Changed the chart color for ARF/ARMF to be consistent with color used for money purchase pensions.
• The start age for IE State Pension has been updated to 66 regardless of year of birth. Was planned to be escalating age beginning in 2021, but that was removed in Budget 2021.

Version 5.38.0 Release Notes - 2021-01-25

Adviser and AdviserGo

• Tax rates, thresholds, allowances and tax credits updated for 2021.
• 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).
• For the Adviser app only : Updated Family Balance Sheet Report to include child owned assets

Version 5.37.0 Release Notes - this version not released in this region

Version 5.36.0 Release Notes - 2021-01-11

Adviser and AdviserGo

• 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.
• Added new data entry fields for Final Salary : survivorship applies, return individual contributions, individual contributions at start.
• Made CAT Threshold Escalation Rate editable through Plan Settings screen.

Version 5.35.0 Release Notes - this version not released

Version 5.34.0 Release Notes - 2020-12-21

Adviser and AdviserGo

• 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 - this version not released

Version 5.32.0 Release Notes - this version not released

Version 5.31.0 Release Notes - 2020-12-07

Adviser and AdviserGo

• 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.

Version 5.30.0 Release Notes - 2020-11-16

Adviser and AdviserGo

• Added a new option in Preferences called "Show Dashboard Let's See" to toggle the main dashboard chart on and off.
• Initial Balance requirement for ARF is removed.
• Corrected a timeout issue that could occur during report generation when there are a large number of accounts entered in the plan.
• Added a "Percent Annuitized" option on the Annuitization tab
• Added a Real Money indicator to the selected reports list.
• Added ability to include Real Money (using CPI) to the following reports:
  • Net Worth,
  • Cash Flow,
  • Assets Simple,
  • Assets Detailed,
  • Expenses,
  • Debts,
  • Estate.

Version 5.29.0 Release Notes - 2020-11-03

Adviser and AdviserGo

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Version 5.28.0 Release Notes - 2020-11-02

Adviser and AdviserGo

• Added a yes/no field to indicate "Is Earned Income" on Other Income records (note that existing Other Income records will default to no).

Version 5.27.1 Release Notes - 2020-10-19

Adviser and AdviserGo

• Added a new historical insight simulation to Adviser Go. Find complete information here.
• Added Annuity tab to several models under the Asset Allocation "+" button including IE Money Purchase and IE Retirement Fund.
• 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 and AdviserGo

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Version 5.25.0 Release Notes - 2020-10-05

Adviser and AdviserGo

• 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 and AdviserGo

• 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 and AdviserGo

• All non-white labelled reports updated to use A4 paper size.
• 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.
• 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.
• 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.
• Removed the Withdrawal Limit tab from the cash account steps.

Version 5.22.0 Release Notes - 2020-08-21

Adviser and AdviserGo

• 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.
• Corrected an issue on Irish Retirement report wherein the people details wrapped down the page rather than spanning the page. Now presented in tabbed columns as designed.

Version 5.21.0 Release Notes - 2020-08-14

Adviser and AdviserGo

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Version 5.20.0 Release Notes - 2020-08-10

Adviser and AdviserGo

• 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 and AdviserGo

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Version 5.18.1 Release Notes - 2020-07-27

Adviser and AdviserGo

• Initial Release of Refactored Charts to Production
• 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 and AdviserGo

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

Version 5.16.0 Release Notes - 2020-07-13

Adviser and AdviserGo

• 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.
• Corrected an issue wherein a protection policy linked to a mortgage did not reflect properly in the cash flow (the proceeds did however calculate properly against the mortgage.)

Version 5.15.0 Release Notes - 2020-06-29

Adviser and AdviserGo

• 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.
• Improved "Personal Pension" to utilize employer contribution option.

Version 5.14.0 Release Notes - 2020-06-15

Adviser and AdviserGo

• 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 and AdviserGo

• This space intentionally blank

Version 5.12.4 Release Notes - 2020-05-21

Adviser and AdviserGo

• 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 for more detailed information.
• Corrected an issue with Rate of Return on Investment Returns Insight.
• Education Summary Report chart legend categories now match the UI.
• Fixed a problem with Payment Sources on the Education Report.
• 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

Adviser and 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
• Changed the text Final Salary to Defined Benefit
• Updated Assets report to reflect Assets by type rather than by tax categories

Version 5.10.0 Release Notes - 2020-04-27

Adviser and AdviserGo

• Retirement relief now available for properties of type "Business" in Adviser Go
• Added Qualifying gains information under Adviser detailed taxes view
• 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 plan and then Update flow 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
• Added Lump sum options for deferred and active Final Salary pension
• Various other UI improvements

Version 5.8.0 Release Notes - 2020-03-26

AdviserGo and Advier

• Added Taxation option for farm properties
• Corrected an issue with Assumptions report generation
• Corrected Final Salary timing label
• Made several accessibility improvements
• Various other UI improvements

Version 5.7.0 Release Notes - 2020-03-12

AdviserGo

• Tax Changes
• Updated earned income tax credit to €1500
• Updated home carer tax credit upper limit to €1600
• Updated home carer tax credit to €10,400
• Updated child tax credit under 12 to €1872
• Updated child tax credit above 12 to €2080
• 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 entrepreneur relief option for a business property
• 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 leagcy 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

• Added Dividends and Bonuses to Fact Find report
• Added tax and carryover assumptions available for editing from the dashboard screen
• Added income tax options
• Added capital gains option
• Added personal fund threshold and lump sum options
• Added previous year tax carry over options
• Added gifts and inheritance options
• 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
• Erroneously, the survivor's eligibility to receive a Widow's Pension was exclusively based on the departed party's qualifying contributor status. Survivor's eligibility to receive a Widow's Pension is now based on either party's qualifying contributor status.

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
• Updated State Pension default amount to €12,912
• 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

Other Improvements

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

Version 5.1.7 Release Notes - 2020-01-16

AdviserGo

• Corrected an issue with generation of Loss Capacity report
• Corrected an issue with event name when created on Timing tab
• Corrected an issue with Annuity commencement event where it would not persist

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: Transfer of property to non married partner should cause CAT
• Corrected: Property liquidation owner name
• Corrected: PAYE credit when yearly income is below €8,250
• 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 - 2019-11-26

AdviserGo

• Added Widow's pension feature for surviving spouse along with an option to choose if spouse is eligible to receive widow's pension
• Corrected an issue with Estate Plan screen where distribution percentage was not editable if more than 100%
• Added Estate Report which allows advisers to show clients how both their own assets and their spouse’s assets will fair after death
• Added child benefit toggle on People screen to enable or disable child benefit eligibility
• Updated Legacy details to consolidate CAT details if multiple beneficiaries
• Corrected an issue with Legacy where items outside the estate(like trusts) were incorrectly being shown as items within the estate
• Enabled PDF report contents to be copied into Microsoft Word

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
• Updated CAT Group A threshold from €320,000 to €335,000
• Updated default max child benefit age from 16 to 18
• 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
• Updated disability insurance max benefit age to 65 from 67
• 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

• Added an option to create existing unit linked investment
• 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 Sync Error Message Reporting
• Fix FinaMetrica Joint Report issue
• Update Fact Find Report to new format

Version 5.0.43 Release Notes - 2019-08-08

Adviser and AdviserGo

• Corrected an issue with estate and inheritance overview excel report where it was missing estate distribution and inheritance tax details
• Corrected an issue where plan asset allocation was not showing up in default assumption report
• Corrected an issue where tax year formatting was not correct in the detailed yearly section

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
• Corrected an issue with IE legacy report where Total Inheritance tax number did not match UI

Version 5.0.36 Release Notes - 2019-07-04

Adviser and AdviserGo

• Corrected an issue where account names 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 and AdviserGo

• Unit-Linked/Investment Trust Investment account no longer requires setting setting an end event.
• Unit linked investment accounts are no longer liquidated based on applied events. To liquidate at a specified event, add a withdraw or transfer
• 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

Version 5.0.21 Release Notes - 2019-05-20

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 5.0.20 Release Notes - 2019-05-08

AdviserGo

• Corrected an issue with Tax threshold where income relief was accounted twice
• Updated mortgage interest deduction percentage to 85% from 80%
• Corrected an issue with Financial Summary report where it would fail to generate
• Corrected an issue with Networth report where it would fail to generate if plan has no liabilities
• Various other UI improvements

Adviser

• Corrected an issue with Overview - General(Events & Account Overview) report where apostrophe was misrepresented in Word
• Various other UI improvements

Version 5.0.16 Release Notes - 2019-04-10

Adviser

• Updated 2019 Market Assumptions
• Corrected an issue with Cashflow Detailed report by taking out extra State Pension entry

AdviserGo

• Corrected an issue with Cashflow Detailed report by taking out extra State Pension entry
• Corrected an issue with networth value in Financial Summary report

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 - 2019-01-31

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

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
• Various report bug fixes

Version 4.6.10 Release Notes - 2019-01-14

Adviser

• Added a new withdrawal limit called Minimum Balance
• Corrected an issue where retirement account allows withdrawals in excess of the AMRF limit

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 Defined Contributions screens for use in setting limits on when and how money can be withdrawn. For details click here here
• Added ability to client search by adviser email in Adviser

IE Budget Updates - 2019

• An increase in the Earned Income Credit from €1,150 to €1,350
• Standard rate income threshold has increased by €750
• Self-employed earned income credit of €1,350, an increase of €200 from last year’s budget
• USC Rates & Bands
  • Incomes of €13,000 are exempt. Otherwise:
  • €0 – €12,012 @ 0.5%
  • €12,012 – €19,874 @ 2%
  • €19,874 – €70,044 @ 4.5%
  • €70,044+ @ 8%
• Self-employed income over €100,000: 3% surcharge
• Tax Band Amendments
  • €34,550 to €35,300 for single individuals
  • €43,550 to €44,300 for married one earner couples
  • €68,500 to €70,600 for married, both working
• The current Group A tax free threshold which applies primarily to gifts and inheritances from parents to their children is being increased from €310,000 to €320,000

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

• Various report bug fixes
• 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 4.5.65 Release Notes - 2018-09-06

Adviser

• Corrected DIRT rate for 2018 from 39% to 37%

Adviser Go

• Corrected issue with Insurance item start and end dates incorrectly being moved
• Goal creation no longer creates corresponding expense

Version 4.5.63 Release Notes - 2018-08-23

Voyant Adviser

• Corrected UI issue where duplicate transfer line items would appear in the CashFlow detailed chart
• Various other UI improvements

Adviser Go

• Improved "Is Client Already Retired" option on create a client screen to get set based on birth year input
• Various other UI improvements

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
• Corrected display of taxable insurance in Capital Acquisition Tax summary

Version 4.5.56 Release Notes - 2018-07-11

Adviser Go

• Corrected default State Pension benefit amount in the UI
• Various Other Mobile and Desktop UI Improvements

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
• Can no longer delete primary tax information
• Various other UI improvements

Adviser Go

• Corrected issue with Detailed Asset Report where chart colors did not match legend icon colors
• Debt – 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 4.5.49 Release Notes - 2018-06-05

Voyant Adviser

• Voyant Adviser is getting a facelift, we are giving our colour palette a modern update to match the hues used today in AdviserGo. Our new colour palette is web-friendly, easy on the eyes, works well on tablets and accommodates a broader array of hues essential for detailed charts. Moreover, our future development in the Go product suite will be designed around this palette
• Improved liquidation order to allow Line of Credit to separately prioritized above other accounts in liquidation order
• Corrected an issue where WholeLife cash value was not showing up in networth/planworth and in assets chart
• Added an option called 'Previous Lump sum Amount' under Taxes screen to provide the ability to record the lump sum amount already taken on pension at the start of the plan
• Various other UI improvements

Adviser Go

• Corrected an issue with Joint Annuity where Survivorship percentage was not being used in calculations
• Corrected reports cover page to show Adviser address
• Corrected Retirement Summary report to show correct savings per-annum number
• Corrected a UI issue where a validation error message would appear if an income is saved for an year with same start and end event
• Various minor improvements to Reports
• Various Other Mobile and Desktop UI Improvements

Version 4.5.46 Release Notes - 2018-05-21

Adviser Go

• Corrected an issue with Cashflow report where State Pension would not show up in the report
• Corrected an issue with Retirement Summary report where it would not generate for cases with milestone goal
• Corrected an issue with report footer where it would show current plan's name in the footer instead of selected plan
• Updated reinvest yield option for investments to be 'Yes' by default
• Updated Critical Illness to have only one event on the Timeline
• 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

Voyant Adviser

• Added ability to calculate tax deductible expenses against withdrawals from pensions, as well as other sources of income.

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

• Earned Income Credit changes to 1,150
• Home Carer Tax Credit taper threshold changes to 7,200 and 9,600
• Home Carer Tax Credit changes to 1,200
• Income Tax bracket for married income changes to 43,550
• Income Tax bracket for married 2 incomes changes to 69,100
• Income Tax bracket for single person changes to 34,550
• Income Tax bracket for single person with children changes to 38,550
• USC tax rates change to 0.5%, 2%, 4.75% and 8%
• USC tac brackets changes to 12,012, 19,372, 70,044

• 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
• Improved potential IHT simulation for scenarios where primary and spouse mortality years are different
• 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 Insured option for Whole Life Protection
• 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 IHT 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 4.4.12 Release Notes - 2017-11-21

Voyant Adviser

• Improved Final Salary income calculation by taking out PRSI applied on it
• Various other UI improvements

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
• Corrected the liquidation order issue for investment type 'Unit Linked Trust'

Version 4.3.5 Release Notes - 2017-08-10

Voyant Adviser

• Improved the way Adviser app handles USC and PRSI on DB Income, now USC and PRSI will be charged on DB Income up to age 66
• Improved the handling of non-pension annuity income by taking out PRSI charged on annuity income
• Added PAYE tax credit for Defined Benefit and State Pension income
• Added Cumulative Taxes section on the Detailed Taxes tab to show Total Income Tax, Total Capital Gains Tax, Other(Paye, USC, PRSI etc) and Additional Tax paid up to the year
• Corrected an issue where start and end events were selectable for Defined Benefit, now only one event is selectable for Defined Benefit scheme
• Changed the contribution label to Lump Sum Amount for Defined Contributions
• 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
• 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 Long Term care where chart would not generate when tried to purchase a property using insurance

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

Voyant Adviser

• Corrected an issue with taxes detailed report when there are children in the plan but no spouse
• Various UI improvements

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 three Taxation Type options to Other Income and Windfall Events
• Tax at Income Rate
• Tax at Capital Gains Rate
• Tax at Dividends Rate
• Estate and Legacy – fixed layout issues for Mac users and updated reports to show zero balances for clarity
• Renamed Potential IHT simulation to Potential CAT
• Various UI Improvements

Adviser Go

• 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

• Added a simulation to compare the potential IHT/CAT liability for two plans for each year of the plan
• Fixed an issue where Estate and Overview reports would show incorrect Inheritance/CAT categories
• Corrected report image sizing for those using the high resolution font setting
• Renamed nav item "Real Property" to "Property/Assets"

AdviserGo

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

Version 4.2.41 Release Notes - 2017-04-11

Voyant Adviser

• Corrected the DB pension scheme valuation for testing against LTA when lump sum payment is from commutation of the pension
• Various UI Improvements

Version 4.2.34 Release Notes - 2017-03-29

Voyant Adviser

• Added new "RSMR Market Assumptions" Market Assumptions.Updating to the new market assumptions may result in invalid asset allocations, which will need to be corrected. If error messages appear at the bottom of the screen following the update, click the message. Each error is a link which will take you to the item that needs editing. Then go to Advanced Settings > Asset Allocation to enter a new, valid asset allocation using asset classes from this new set of market assumptions.
• 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 mortgage interest relief on residential properties to 80% per the latest 2017 budget
• Updated Taxes report to show unearned income in the summary
• Fixed tax calculation for pensions exceeding the standard fund threshold where multiple pensions are crystallised in different years
• Updated chart images in reports to show spouse age as well as primary
• Corrected calculation of "Select None" option on Detailed Cash Flow to reflect transfers
• 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 4.2.29 Release Notes - 2017-02-27

Voyant Adviser

• Updated exit tax rate to split from dirt tax from 2017
• Improved UI for Ireland Taxes Detailed Panel

Version 4.2.28 Release Notes - 2017-02-13

Voyant Adviser

• Fixed an issue with Taxes report when plan does not have any taxes in the first few years

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
• Improved Estate and Immediate Legacy report to show only relevant labels
• Fixed an issue with IE11 where buttons were not clickable

Ireland Budget Changes 2017

• Earned Income Tax Credit updated to €950
• Home carer tax credit updated to €1100
• Capital Acquisitions Tax(CAT) thresholds were updated in the previous release to €310,00(for Group A), €32,500(for Group B), €16,250(for Group C)
• USC Tax brackets updated to €12012,€18772(updated) and €70044
• USC Tax rates updated to 0.5%, 2.5%, 5% and upper rate remains 8%
• All other rates and thresholds remain unchanged for 2017 and were brought forward from 2016 values

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

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 4.2.17 Release Notes - 2017-01-10

Voyant Adviser

• Fixed an issue where "as needed" cashflow was categorised as a transfer

Version 4.2.14 Release Notes - 2017-01-05

Voyant Adviser

• Improved handling of transfers - the sideways movement of money from one account to another. Transfers will no longer be shown in the Cash Flow chart, but they will be listed in the chart details, on the Cash Flow tab under the heading “Cash flow not displayed on chart”
• Improved the 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 4.2.13 Release Notes - 2016-12-14

Voyant Adviser

• Improved the handling of Defined Benefit valuations post 2014 for checking against the standard/personal fund threshold

Version 4.2.10 Release Notes - 2016-12-01

Voyant Adviser

• Added Cumulative Taxes section in Taxes Detailed report
• Fixed plan update for state pensions where base amount was getting rolled up with the second and graduated amounts
• 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
• Updated CAT thresholds for 2017
• 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 4.2.10 Release Notes - 2016-12-01

Voyant Adviser

• Added Cumulative Taxes section in Taxes Detailed report
• Fixed plan update for state pensions where base amount was getting rolled up with the second and graduated amounts
• 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
• Updated CAT thresholds for 2017
• 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 4.2.8 Release Notes - 2016-11-03

Voyant Adviser

• Fixed an issue with Pensions reports where Final Salary would not show up in PDF and Word versions

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
• Fixed an issue with Taxes Detailed report
• 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 New Pensions Details Report
• Fixed an issue with report generation because of a Tax account
• 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
• Added yearly asset details to Assets Detailed Report
• Various UI Improvements

Adviser Go

• Added New Taxes Chart
• Added Detailed Yearly Taxes breakdown
• Added the Insurance Payout option for Bonds
• Various Mobile UI Improvements

Version 4.1.42 Release Notes - 2016-07-13

Voyant Adviser

• Fixed a UI issue on the Preferences screen for AXA Elevate users.

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 4.1.42 Release Notes - 2016-07-13

Voyant Adviser

• Fixed a UI issue on the Preferences screen for AXA Elevate users.

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
• Removed the “Qualified Plans” section from stage default options
• Added CAT threshold escalation preference under Preference - Default Inflation/Growth Rates section
• 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
• Removed non-relevant assumptions for Ireland preferences and Reports
• 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

• Corrected issue with CAT tax display when Section 72 insurance is less than the amount of the CAT tax.
• Fixed handling of estate distributions from ARF plans to children over the age of 21 (should be 30% income tax and no CAT).
• Corrected issue with percentage-based withdrawals from ARF/AMRF accounts in the year of crystallization.
• Changed handling of employer contributions to SSAS in the same manner as OCP plans to not include as benefits in kind and to not restrict to plan members contribution limits.
• Removed non-relevant assumptions from Ireland version.
• Fixed ARF required distributions:
• RMD should occur AFTER client has been age 60 for 12 months
• Remove 6% RMD step up at age 81
• Determine the RMD rate based on initial value and deposits to the ARF instead of the initial value of both ARF and MP accounts since some of the MP may be taken as a lump sum
• Changed state pension to by default assume the entered value to be the present value.
• 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, 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 4.1.25 Release Notes - 2016-04-10

Fixes and Improvements in version 4.1.25

• Ensured PRSI is charged on interest income but not on unearned income totaling less than €5000 in 2016 and €3174 in 2015
• Self-employed tax must be paid in year of earnings
• Added EARNED INCOME TAX CREDIT of €550 for self-employed persons
• Fixed pension excess tax rate
• 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 Adviser Go 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.
• IE - Fixed mapping for capital acquisition group of windfall items.
• IE - Added investment type - Offshore Taxable.
• IE - Added State Pension item.

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
• Corrected issue with withdrawals from offshore taxable account having losses instead of gains in the account
• Removed display of estate distribution values 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
• Other minor UI improvements

Version 4.1.4 Release Notes - 2016-01-27

Fixes and Improvements in version 4.1.4

• Updated 2016 thresholds and rates per Budget 2016
• Allow withdrawals from Unit Linked Investment when no exit tax is charged
• Moved Notes from the Overview section to the left navigation alongside Reports
• Corrected issue with Risk Profile Summary Report missing image
• Corrected date format in Fact Find report
• 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 - 2016-01-07

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 4.0.31 Release Notes - 2015-12-11

Fixes and Improvements in version 4.0.31

• Corrected retirement fund minimum distribution logic to include only accounts owned by the same person when computing the distribution percentage rate.

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.
• Corrected issue with AMRF fund distribution in joint mortality scenarios.
• Removed forced annuitisation for pensions with a balance after tax free cash below the AMRF minimum fund value.
• Improved exit tax charges when the account holds losses instead of gains.
• Removed Pensions as eligible targets for default cash account sweeps. Eligible tax relief from sweep contributions would not be accounted for in the sweep.

Partner Integration Updates

• FinalSalary - added benefit accrual rate for active final salary schemes
• Term Protection - added decreasing benefit rate and purchase age required for decreasing benefit policies
• Protection (Term and Whole Life) - added payout type for joint policies

Version 4.0.28 Release Notes - 2015-11-10

Fixes and Improvements in version 4.0.28

• Fixed issue with the projection of the minimum income required to incur USC beyond 2016.

Version 4.0.26 Release Notes - 2015-11-3

Fixes and Improvements in version 4.0.26

• Updated USC and PRSI rates and thresholds per the fall budget.
• Corrected pension crystallisation issue with upper threshold for the 20% lump sum tax extending past 500k.
• Improved the calculation of the tax on the excess above the PFT to include an offset for the amount of lump sum tax paid at the 20% rate

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. Expenditures 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.
• Fact Find Reports showing incorrect value for currently receiving benefits.
• 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

• Added an entry to the taxes screen for carried forward capital losses
• 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
• Added the most recent assumptions updates to reports
• Various partner integration updates

Version 4.0.18 Release Notes - 2015-06-14

Fixes and Improvements in version 4.0.18

• Corrected handling of protected / personal pension fund threshold
• Improved handling of investment property on the Asset Allocation Overview screen.
• Corrected issue when there is a rollback in the plan and an existing life fund starts in first year of plan.
• Made several UI and formatting improvements.
• 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.

Version 4.0.17 Release Notes - 2015-05-28

Fixes and Improvements in version 4.0.17

• Cleared errant Finametrica warning icon
• Improved layout on investments chart detail panel
• Reset previous year payout and withdrawal amounts for Income v. Expenses Yearly report

Version 4.0.16 Release Notes - 2015-05-15

Fixes and Improvements in version 4.0.16

• Updated preferences to allow certain preferences to be defaulted to null rather than the system preference value.
• Made Fact Find more tolerant of inputs with commas or spaces.

Version 4.0.15 Release Notes - 2015-05-13

Fixes and Improvements in version 4.0.15

• Updated Net Worth chart to include only client assets that aren't trusts
• Added a new Plan Worth Chart
• Updated Ireland Taxes Detailed Report
• Added new IE Taxes Detailed Excel Report
• Added missing 'Recur' option on the Transfers / Additional Contributions panel for savings
• Corrected issue in Income v. Expenditures Yearly report where bonuses were hidden in special cases
• Corrected report generation issue which occurs when Market Assumptions' name has an '&'
• Corrected issue where exception occurs when clicking away from running calculation

Version 4.0.14 Release Notes - 2015-04-21

Fixes and Improvements in version 4.0.14

• Created a cleaner detail view to show multiple crystallisations in the same year caused by partial annuitisation, scheduled, and as-needed drawdown.
• Default state pension to currently receiving benefits if the normal start age falls before the start of the plan
• Corrected issue with onshore bond basic rate taxes on taxable withdrawals.
• Corrected issue with fact find which occurs when no account type is provided.
• Made several UI improvements
• Made numerous partner integration improvements and corrections

Version 4.0.12 Release Notes - 2015-04-12

Fixes and Improvements in version 4.0.12

• Expenses Step Up / Step Down sections show selected frequency of values (monthly or yearly)
• Removed strange character from Annuities Death Benefit section

Version 4.0.11 Release Notes - 2015-03-21

Fixes and Improvements in version 4.0.11

• Fix issue with icons for University events.
• Corrected plan calculation failure due to Critical Illness Insurance in certain situations.
• Updated Word Net Worth report to include final year.
• Make sure DIRT tax is charged for individual default cash accounts.

Version 4.0.10 Release Notes - 2015-03-10

Fixes and Improvements in version 4.0.10

• Correct display problem with legacy overview screen.

Version 4.0.9 Release Notes - 2015-03-09

Fixes and Improvements in version 4.0.9

• Critical Illness payouts may now be limited to linked debt liabilities.

Version 4.0.7 Release Notes - 2015-02-22

2015 Pension and Tax Updates

• Lowered ARF imputed distribution rate to 4% for individuals under the age of 71 and with cumulative pension balances of less than €2,000,000.
• Set the ARF imputed distribution rate to 6% for individuals of all ages with pensions over €2,000,000.
• Added new AMRF drawdown allowance of 4% of the AMRF value.
• Updated 2015 tax rates and thresholds.

Other Fixes and Improvements in version 4.0.7

• Fixed plan update issues related to plans containing decreasing term life insurance.
• Corrected partner integration issues related to monthly annuity and final salary incomes.
• Numerous user interface and report layout improvements.
• State Pension recipients now receive the PAYE tax credit

Version 4.0.6 Release Notes - 2015-02-06

Fixes and Improvements in version 4.0.6

• Overview - Balance Sheet should reflect beginning of year balances and thus should not show property in the year purchased.
• Two-step authentication - fixed an issue where MFA verification and terms acceptance prompt caused incorrect redirect.
• Numerous partner integration improvements and bug fixes.
• General UI improvements (No chart colors were harmed in the making of this release)

Version 4.0.5 Release Notes - 2015-01-23

Fixes and Improvements in version 4.0.5

• Corrected Mac OS issue where Timeline only shows primary person
• Fixed addition issue on Family Balance Sheet - All Years (Word report)
• Suppressed embedded styles in Plan Notes section
• Updated Finametrica demographic questions for Ireland
• Added 'Include Real Property' and 'Include Pensions' to Optimize Allocation screen for AXA Elevate users
• Fixed issue where Asset Allocation Overview 'Include Real Property' showed incorrect amount allocated.

General UI improvements

• Updated Asset Allocation pie chart colours to better differentiate sections
• Added space on Income v. Expenses and Balance Sheet panels to allow for more descriptive text
• Updated colours on Timeline events (hover) for legibility
• Improved layout on Finametrica Risk, Balance Sheet and Income v. Expenditures Reports

Version 4.0.4 - 2015-01-13

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

Other Fixes and Improvements in version 4.0.4

• Improved the layout of the asset allocation overview to avoid scrolling.
• Corrected an issue with the contribution type selections for employer contributions on the pension screen.
• Fixed a text highlighting issue on the plan update wizard.
• Increased text size for readability on the plan notes screen.

Version 4.0.3 - 2015-01-12

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

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

Other Fixes and Improvements in version 4.0.3

• Fixed a login issue affecting AXA Elevate users.
• Corrected desktop icons for some entity groups.
• Returned the fourth child to the timeline screen.

Version 4.0.2 - 2015-01-10

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

Other Fixes and Improvements in version 4.0.2

• Asset allocation overview - added a checkbox to the property screen to specify if the property should be included in the overall asset allocation overview (when the option is selected on the asset allocation overview screen to include property).
• Decreasing Lump Sum Term Policies may now have their rate set at zero.
• Capital acquisition tax details added to the IE reports.

Version 3.7.12 Release Notes - 2014-11-24

Fixes and Improvements in version 3.7.12

• Default Insurance/Protection policies to the start event if no event selected for convenience.

Version 3.7.11 Release Notes - 2014-11-01

Fixes and Improvements in version 3.7.11

• 2015 Budget rates and thresholds updates.
• Unit Linked Investment - Exit Taxes are not applied at liquidation
• Insurance payouts - For cases where an insurance beneficiary is predeceased, payout to a contingent beneficiary instead to the estate of the insured.

Version 3.7.10 Release Notes - 2014-09-23

Fixes and Improvements in version 3.7.10

• Corrected issue with the PDF fact find data reader related to the handling of commas in item names.
• Fixed an issue with annuities where future purchases were not using the "specified" calc method and annuity rate.

Version 3.7.9 Release Notes - 2014-09-17

Fixes and Improvements in version 3.7.9

• Corrected the exit tax rate for 2014 and later to match DIRT rate.
• Fixed the child benefit annual amount from €1690 to €1560.

Version 3.7.8 Release Notes - 2014-09-01

Fixes and Improvements in version 3.7.8

• Corrected issue with ignored preferred funding items for debt payoff.
• Improved handling of disability insurance "coverage inflation rate" for employment linked insurance. If specified, this inflation rate will be used to escalate the payout amount when the policy is in payment rather than the linked employment's growth rate
• Added child benefit credit by default for any plan with children up to age 16. These defaults may modified for each child by editing on the child's info People screen.

Version 3.7.4 Release Notes - 2014-08-07

This release primarily contains improvements to tax calculations.

Fixes and Improvements in version 3.7.4

• Estate Tax- correct issue related to displaying ARF distributions.
• Improved USC calculation to apply USC reduction rates for workers over 70 (and medical card holders) with earnings under 60K
• Added self-employed USC 3% surcharge for self-employed income over 100K
• Added separate display of self-employed income and benefits on taxes detailed chart information dialog.
• Sale of vehicles and boats will now not incur capital gains tax even if there are gains realized upon their sale
• Allow other income to specify whether to incur USC and PRSI
• State Pension items that don't specify USC or PRSI as applicable, do not incur these taxes
• Apply CAT to "Gifts" windfall type rather than taxing as income.
• Expenses - added ability to specify an ordered list of preferred payment sources instead of a single preferred payment source.

Version 3.7.1 Release Notes - 2014-06-06

Fixes and Improvements in version 3.7.1

• Converted money purchase pension crystallization details to show remaining LTA instead of total to better illustrate instances where multiple funds crystallize in the same year
• Added final salary crystallization details to info screen
• Include the age of client next to their name on the overview screen when looking into a future date for both the income/expenditure and balance sheet
• Word Account Details report was not showing yearly withdrawals.
• Life Needs Analysis - change to default the spouse or non-married partner as the beneficiary for the life insurance rather than the estate to handle cases where the estate distribution plan does not include the spouse or non-married partner.
• Equity value of property calculated differently on Excel reports.
• Correct tax rate for Money Purchase / AVC over the standard fund thresholdCorrect tax rate for Money Purchase / AVC over the standard fund threshold

Version 3.7.0 Release Notes - 2014-04-25

Fixes and Improvements in version 3.7.0

• Added fillable fact find support for the Ireland Edition. The fillable fact find template and PDF will be released separately.
• Corrected duplicate display of Capital Acquisition Tax summaries for join mortality scenarios.
• Added options to the Asset Allocation overview to selectively include real property and pensions.

Version 3.6.27 Release Notes - 2014-04-12

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

Version 3.6.26 Release Notes - 2014-04-04

Fixes and Improvements in version 3.6.26

• Fixed an issue with Equity Release plans when there is no retirement event.
• Investment Fee rates are now properly applied based on type: Tax Free, Tax-Deferred, Taxable
• Fixed error on Asset Allocation Overview screen and reports when only Agreed Risk Profile score is present

Version 3.6.24 Release Notes - 2014-02-25

Fixes and Improvements in version 3.6.24

• Improved estate handling of properties to prevent liquidation at mortality due to unfulfilled linked debt of a trivial amount.
• For property with linked expenses which is transferred to non-legal partner at death, make sure expenses are transferred as well.
• Needs Analysis - corrected the growth rate applied to the regular savings needs analysis simulated account when plan preferences "Use asset allocation for growth" is selected.
• Allow portfolio accounts and joint life unit-linked policies to transfer to a surviving spouse at first mortality.
• For joint life unit-linked investments, corrected the exit tax calculations to prevent exit taxes at first mortality.
• Corrected the legacy overview screen to display the CAT/IHT calculations from the final year of the plan.
• Carried forward personal tax credit values from 2013 to 2014
• Improved the default ownership of expenses in plans with non-married partners to be jointly owned by both partners and consistent with the defaults for plans having married partners.

Version 3.6.23 Release Notes - 2014-02-02

Fixes and Improvements in version 3.6.23

• Corrected cost basis adjustment of transferred investments and properties at first mortality.
• Fixed estate overview display of debts when paid at mortality by linked endowment protection policies.
• For properties scheduled to liquidate at first mortality prior to the last year of the plan, liquidate before IHT/estate handling to provide clearer IHT estate summary.
• Fixed an issue where debt transferred to the join owner at mortality shows as a shortfall.

Version 3.6.21 Release Notes - 2014-01-22

Fixes and Improvements in version 3.6.21

• Improved IHT / estate handling to allow real property to transfer to unmarried partners by default.
• Improved the display of debt secured by property on the estate overview screen for joint mortality scenarios where the partner is assumed predeceased upon simultaneous death.
• Fixed display issue in Income vs Expenditures report where incomes with dividends were showing being double counted.
• Fixed an issue with the investment account cost basis not being carried through to the plan update wizard.

Version 3.6.17 Release Notes - 2013-11-20

Fixes and Improvements in version 3.6.17

• Added a new "Fact Check" report detailing all preferences and data entered into a Voyant plan.
• Corrected the Voyant desktop link issue for Mac OS X Mountain Lion and later releases.
• Added permission attributes to the Voyant Adviser application resources to avoid Java security warnings.

Version 3.6.14 Release Notes - 2013-10-28

October 2013 Budget Report Updates for 2014

• DIRT rate increased from 33% to 41%.
• Standard fund threshold decreased from €2.3 mil to €2 mil.

Other Fixes and Improvements in version 3.6.14

• Corrected issue with fulfillment of expenses from unit linked investment accounts. Withdrawal amounts are now grossed up to account for exit taxes.
• Fixed AMRF sub-account value display issue as the account is drawn down to zero.
• Corrected unit linked investment modeling so that those purchased prior to 2001 do not incur the 8 year gross rollup.

Version 3.6.10 Release Notes - 2013-09-17

Fixes and Improvements in version 3.6.10

• Corrected issue with employer contributions to occupational pensions where contributions were being considered as benefits in kind.
• Corrected the handling of incomes linked to properties at mortality. Individually owned asset linked incomes may not be used to pay off debts at mortality since the asset will either be liquidated or transferred.
• Fixed estate handling issue with individually held secured debts where no other funds are available to fulfill the debt at mortality.
• Improved plan promoting and updating wizard.

Version 3.6.9 Release Notes - 2013-08-17

Fixes and Improvements in version 3.6.9

• Fixed Income V. Expenses and Balance Sheet Reports to include spouse again.
• ARF and AMRF - Fixed regression with ARF forced annuitisation where multiple accounts are entered which fulfill minimum AMRF requirement
• Added AMRF sub-account value to the pension details screen
• Added validation for Defined Benefits plans which used the value of "Maximum" for the Lump Sum cummutation type. This option is no longer valid.

Version 3.6.6 Release Notes - 2013-08-10

Fixes and Improvements in version 3.6.6

• Corrected handling of ARF/AMRF accounts to prevent drawdown of the AMRF subaccount when multiple ARF/AMRF accounts are entered.
• Removed incorrect maximum lump sum limit placed on commutation of defined benefit plans.
• Fixed calculation of income relief to exclude employer matching.

Version 3.6.5 Release Notes - 2013-07-25

Fixes and Improvements in version 3.6.5

• Reverted previous change that allowed plans to extend beyond the last to die.
• Added personal fund threshold for protected pensions higher than the standard threshold

Version 3.6.4 Release Notes - 2013-07-22

Fixes and Improvements in version 3.6.4

• Corrected an issue with the timeline when non-legal partners are selected.
• Created a separate chart view for Liquid Non-Pension Assets and restored Pensions in the default Liquid Assets view.

Version 3.6.3 Release Notes - 2013-07-20

Fixes and Improvements in version 3.6.3

• Plan calculations may now be stopped at any event - either before or after plan member mortality ages
• Expense info now arranged by order of fulfillment on the detailed expenses screen
• Removed Pensions from Liquid Assets chart
• State pension age for individuals born in 1948 and earlier eligible for transition
• Reverse Mortgage - allow selection of events when linked
• Asset allocation added to holdings info for custom market assumptions

Version 3.5.8 Release Notes - 2013-06-25

Fixes and Improvements in version 3.5.8

• Fixed bug that caused some what-if plans to calculate differently from base plan
• Equity Release plan - fixed display of projected payment. Added ability to start equity release plan at a later time after linked asset is acquired in plan.
• Pensions - set maximum lump sum to 1.5 x salary or 25%, whichever is greater... .fix this also for the case where crystallized years after employment ends

Version 3.5.7 Release Notes - 2013-05-27

Fixes and Improvements in version 3.5.7

• Fixed handling of individually owned debt at mortality when all assets are transferred to the spouse.
• Corrected issue where preferences in base plan could not be set to zero.
• Added death payout option to unit linked investment.
• Added detail section on the defined contribution screen to link defined pension plans to employment.
• Fixed issue with computing occupational pension lump sum as a salary multiplier when employment stops several years prior to pension crystallisation.
• Removed defined contribution pension lump sum limit from option type "OTHER" to allow for corner cases where the limit is not 25% of the fund or 1.5 x salary.
• Finametrica 2.0 updates.

Version 3.5.6 Release Notes - 2013-05-10

Fixes and Improvements in version 3.5.6

• Fixed FinaMetrica 2.0 issue with converting version 1.5 profiles to version 2.0
• Fixed issue with FinaMetrica 2.0 comfort zone meter
• Corrected Ireland state pension survivorship issue.
• Improved the compare plans UI visibility.
• Corrected date format on the update plan wizard screens.
• Corrected item delete issue when the item name contains html tags.
• Voyant Server - For self-hosting clients, added proxy server support for outgoing requests from Voyant Server.

Version 3.5.4 Release Notes - 2013-04-19

Fixes and Improvements in version 3.5.4

• Relaxed employer contribution limits to occupational pensions.
• Corrected issue with setting taxation properties of income protection plans.
• Finametrica - Added support for Finametrica 2.0.

Version 3.4.19 Release Notes - 2013-03-15

Fixes and Improvements in version 3.4.19

• Fixed PRSI calculations for clients at age 66 or over.
• Corrected property linked income and expenses to exclude the year of planned property liquidation since the planned liquidation is deemed to occur at the beginning of the year.
• Fixed cash flow chart display issue where annuity payments were not being displayed in the first year of retirement fund annuitisation.
• Corrected an out of memory error caused by viewing version history for clients with a large number of versions in the local db.

Version 3.4.17 Release Notes - 2013-03-04

Fixes and Improvements in version 3.4.17

• Reverted minimum retirement fund and income requirements back to €63,500 and €12,700 per Finance Act 2013.
• Change defaults for ARF withdrawals to AS NEEDED instead of maximum
• Corrected issue where DIRT was incorrectly applied to Unit Linked Investments and ARFs
• Corrected taxation of disability payments.
• Improved fixed w/ inflation withdrawal option on savings account.
• Corrected an issue with the Family Balance Sheet report encountered on some Mac OS systems.

Version 3.4.16 Release Notes - 2013-02-12

Fixes and Improvements in version 3.4.16

• Fix labels in some chart legends
• DIRT Tax fix to base refundable calculation on total income instead of just earned income
• Plan update error when including child plans
• Overview screen error for child plans with deleted items
• Order of items in detailed asset charts now matches order of the underlying categories in the non-detailed asset charts

Version 3.4.13 Release Notes - 2013-01-04

Budget 2013 Updates

• DIRT on deposit interest increased from the present rate of 30% to 33% for 2013.
• Capital gains tax rate increased from 30% to 33%.
• CAT rate increased from 30% to 33%.
• CAT thresholds have been reduced by 10%. The new threshold amounts are Group A - €225,000, Group B - €30,150 and Group C - €15,075.
• PRSI free allowance of €127/€6,604 per annum eliminated.
• Other items updated to reflect 2012 values which are unchanged for 2013 - Cap gains tax brackets, income tax brackets and income tax credits.

Customisation of future escalation rates for allowances and thresholds is now available for white labeled configurations of Voyant. Contact support if you subscribe to the white labeling service and would like to cutomise these projections.

Other Fixes and Improvements in version 3.4.13

• Corrected tax calculation issue which incorrectly omitted pension annuity income.
• Add calculation of PAYE for Irish qualified annuity payouts.
• Added Net Worth data table to reports.
• Added gender selection to other person screen.
• Corrected issue with employment incomes being improperly adjusted to include bonus in base amount on update.
• Finametrica - Added individual agreed scores entry for primary and spouse to the stored results.

Version 3.4.12 Release Notes - 2012-11-14

This release corrects the calculation of exit taxes for jointly held unit linked investments.

Version 3.4.11 Release Notes - 2012-11-11

In this release...

• This release handles a bug in Java which prevents some Mac users from launching Voyant.
• Added "PDF" as an importable extension allowing the Fillable Fact Find PDF to be opened in Voyant.
• Corrected an issue in the Fillable Fact Find encountered when a child is included in the Fact Find but a spouse is not.

Other Fixes and Improvements in version 3.4.11

• The Estate and Inheritance Overview Report in Excel is now correctly subtracting debts.
• Several screens were updated to correctly show the Euro (€) instead of the Pound Sterling (£).

Version 3.4.7 Release Notes - 2012-09-14

This release is the first installment of several planned estate distribution enhancements.

In this release...

• Simultaneous Death - The assumption of a will with a simultaneous death clause has been removed. For the joint immediate legacy calculations, the youngest person is deemed to have survived the eldest person. An option is now provided in plan preferences to change this assumption such that each are deemed predeceased in the event of simultaneous death.
• Property ownership - Handing of joint tenants and tenants in common ownership of properties has been improved to correctly reflect the disposition of the property at mortality. Further, individually held properties or properties held as tenants in common are no longer liquidated at mortality in cases where the estate distribution plan is 100% to the spouse.
• Investments - Unwrapped and cash investments are also no longer liquidated in 100% to spouse scenarios.

Other Fixes and Improvements in version 3.4.7

• Special events such as disability, critical illness, and long term care now allow modification of the "owner".
• For consistency, the "Use Asset Allocation for Account Growth" setting has been moved the asset allocation screen for all account types.
• Credits/Income funding sources for contributions are now correctly prioritized based on the target account owner.

Version 3.4.6 Release Notes - 2012-08-27

Fixes and Improvements in version 3.4.6

• Property - Fixed behavior of linked Expenses and Incomes when displaying details sections as a popup.
• Taxes - Correct issue with PAYE tax credits being applied to self-employed.
• Employment - Corrected display of monthly/annual selector for employment input

Version 3.4.4 Release Notes - 2012-08-10

Fixes and Improvements in version 3.4.4

• Real Money Charts - Corrected account details printable chart display of real money account values.
• Timeline - Corrected issue with stage corruption following plan promotion. Also fixed issue with timeline scaling when mortality placeholder event is added to the end of final stage.

Version 3.4.2 Release Notes - 2012-07-21

Fixes and Improvements in version 3.4.2

• Cash Account Sweep - Corrected an issue with cash accounts sweeping into spouse's accounts after mortality.
• ARF/AMRF - Correct AMRF calculations to consider all retirement fund accounts when computing withdrawal limit and RMD.
• Detailed Cashflow Chart - Added chart series for ARF/AMRF pension withdrawals.
• UI - Changed event icons to show the Euro vs. GBP.

Version 3.4.0 Release Notes - 2012-07-01

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

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

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

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

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

An option on debt has been added to allow one to declare the "Interest is tax deductible" on a debt.

Other Fixes and Improvements in version 3.4.0

• Debt Screen - add ability to link asset to debt from the debt screen. Removed this from the property screen.
• Open Client Record dialog now remembers previous search parameters
• Customer Service Dialog - added fields to provide info about the particular plan for which support will be requested

Version 3.3.23 Release Notes - 2012-06-21

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

Version 3.3.21 Release Notes - 2012-06-05

Fixes and Improvements in version 3.3.21

• Added IE specific estate distribution rules and Capital Acquisition Taxes.
• Improved fulfillment item sorter for singly owned expenses such that user entered primary and spouse individually owned cash accounts are given the same priority as default cash accounts (i.e. primary and spouse individual cash accounts will now be used for the other's individually owned expenses).
• Fixed an employment linking issue on the disability screen in What-If plans.
• Corrected an issue with the Finametrica overview screens which caused the spouse fields to remain hidden after opening a single client plan.
• Fixed an issue with calculating interest yield returns when the standard deviation provided in the user entered market assumption is zero.

Version 3.3.19 Release Notes - 2012-05-21

Fixes and Improvements in version 3.3.19

• Added support for Offset Mortgages.
• Corrected handling of benefits-in-kind in the end of year tax computation when multiple employment items are entered.
• Fixed data entry issue with increasing/decreasing lump sum term assurance.
• Corrected PRSI calculation and PAYE where there are pension contributions

Version 3.3.17 Release Notes - 2012-05-07

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

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

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

Fixes and Improvements in version 3.3.17

• Irish State Pension added
• Allow pasting from MS Word documents into Plan Notes
• added in savings growth rate, property growth rate, salary growth rate into the Assumptions PDF, Word and Excel reports.
• Imrproved validation for decreasing lump sum insurance policy

Version 3.3.16 Release Notes - 2012-04-21

Fixes and Improvements in version 3.3.16

• Added an Income vs. Expenditures view to the Overview screen and fixed layout issues in the Income vs. Expenditures report.
• Enabled recurring transfers from surplus income.

Version 3.3.15 Release Notes - 2012-04-09

Voyant Adviser - Ireland edition is now available as a Beta release.

Features include:

• Irish taxation compliance.
• Customised pension and investment products.

Upcoming enhancements:

• Capital acquisition tax calculations and estate summary.
• Improved pension crystallisaton and taxation reporting.