Financial Planning

As our name suggests, at Financial Guidance we focus on providing solutions to our clients. We have been singularly focused on serving the needs of the financial services community since 1996. Whether you are an individual advisor, or a financial services company looking to increase the productivity of your advisors, our financial tools and software can help.

Our products, Financial Compass and Methuselah focus on demonstrating a need and the solution to individuals’ financial issues. From the most basic retirement analysis to the most complex estate planning analysis, Financial Guidance has the financial tools to help.

What are your needs? How can our solutions help?

• Retirement Planning
• College Planning
• Survivor Needs Analysis
• Asset Allocation
• Estate Planning
• IRA and Qualified Distribution Planning
• Long Term Care
• Disability Needs

Retirement Planning

Retirement Planning use the analysis in Financial Compass to uncover the needs of your clients and demonstrate various alternative savings amounts. Planning for retirement can be overwhelming and confusing to your clients, but with the simple and compelling reports from Financial Compass clients understand their needs and take action!

Methuselah handles more complex financial planning needs, especially important with the boomer generation and the need for retirement distribution planning. For retirement planning software that has depth and breath of analysis Methuselah is the answer. Planning can be done either as cash flow based modeling or goals based. The system demonstrates tax implications and handles all the required minimum distributions rules.

College Planning

Financial Compass allows for a simplified needs analysis for college planning. The impressive printed reports highlight the additional amount needed to achieve the goal for funding a college education. Use the powerful college cost database with thousands of colleges and universities to gauge annual costs and project costs into the future with the inflation assumptions.

Methuselah allows for further flexibility and in addition to planning for college allows for funding for pre secondary education.

Survivor Needs Analysis

Many people are underinsured. Use Financial Compass to help individuals understand how much insurance is enough. Both the immediate cash needs and ongoing income needs for survivors are incorporated into the analysis.

Methuselah’s Capital Needs module allows for more complex situation modeling. Use the interest rate sensitivity analysis to demonstrate different need amounts based on various interest rate assumptions. The timeline of need graph powerfully demonstrates the features and benefits of term insurance vs. permanent insurance.

Asset Allocation

The flexibility of our architecture allows our corporate clients to easily integrate their own asset allocation models into our software. Simply provide us with your risk tolerance questionnaire and scoring matrix as well as the asset classes you use and your model portfolios. With our flexible LinkIt Matrix™ feature our program is easily customized with your asset allocation. The power of the asset allocation tool then really comes into play, enabling clients to see first hand the impact of various asset allocation choices to meet their retirement objectives. Make the asset allocation module a component of each client’s financial planning wealth management strategy.

Estate Planning

Our foundation was built on trust and estate planning. The powerful Methuselah calculation engine demonstrates how careful estate and trust planning can save your clients a great deal of money in taxes. The comprehensive estate planning flow chart is powerful in how it portrays a clients complete situation in one well thought out report. Advisors also often use the powerful on screen analysis to demonstrate the impact of changes to a plan instantly in front of a client. If you offer estate planning services this component of Methuselah could be invaluable for your practice.

IRA and Qualified Distribution Planning

Methuselah offers some of the most comprehensive planning of any software application in this area. Functionality includes 401(a)(9), 72(t), Stretch Analysis. With the boomers approaching retirement age their financial planning and retirement plans need to be fully integrated. Methuselah is fully integrated and a change in one area of the plan flows through to all the planning areas.

Long Term Care

Both Financial Compass and Methuselah offer powerful on screen and printed reports to demonstrate the devastating financial impact a long term care need can have on an individual’s financial plan. The break even analysis visually demonstrates how premium payments can save an individual from financial ruin.

Disability

Use the break even analysis or the cost to self insure analysis to graphically demonstrate to a client the need for disability coverage. Many people think they are adequately covered by their group insurance coverage. Is that coverage long term? Is it enough? What would the impact of a prolonged disability really mean to their overall financial well being? Disability insurance is a financial product that people don’t always understand. Use our disability module to help client’s ensure adequate coverage is available and avoid financial devastation.