RetirementView - Ideas Forum

Welcome to our “Water Cooler Ideas” forum. Do you have an idea about how to improve the “RetirementView” program? Our program has evolved mostly through the suggestions and ideas from actual customers. We want to hear from you!

We will assess the ideas based on your ideas and votes, and then prioritize our schedule of enhancements around these ideas. BUT WE REFUSE TO MAKE THIS PROGRAMTOO COMPLICATED”. If it goes outside the “Keep it Simple” principle, you can forget it. If you want complicated, just buy someone elses program as we hear every day that they are “too complicated”.

RetirementView - Ideas Forum

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  1. Add column for asset class or risk style so that each investment can be classified. Then create a pie chart showing the "allocation". Do not do any optimization but just "report" the % allocation among asset classes specified by user.

    18 votes
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  2. Save previous years that could be superimposed on present year to graphically illustrate progress, positive or negative.

    11 votes
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  3. Place a marker (dot/line plot) on each annual bar of the savings graph representing what their actual investments were worth. This would allow us to show graphically where the client is in relation to their savings goal (above or below trend). Should only require input on a spreadsheet once per year at their annual review.

    8 votes
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  4. Integrate with Advisors Exchange so that client portfolios can be pulled automagically without having to hand enter anything.

    7 votes
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  5. I would like to expand the performance input field, especially during their working years. Perhaps by decade for example 20 -10% 30-9%40-8%50-7%60-6%. Ive used an average ranging from 11% in the early days to 8% now.

    7 votes
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  6. Add symbols and shares to Investment screen, and perhaps cost basis. Can then pull values from internet sites like Yahoo to instantly update portfolio value without waiting for your "statement" to arrive in snail mail.

    7 votes
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  7. 4 votes
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  8. Add a current % of portfolio for each line item. Also add "proposed %" for each line item where advisor enters the re-allocation. Re-allocation percentages calculated by outside optimization programs NOT in the Retirement Planner. But given a current % and a proposed %, calculate the proposed $ values and display a column for "Proposed Change" which tells you a positive or negative number and a dollar amount to CHANGE the investments from one allocation to another. Ideal for 401k plans, for example.

    3 votes
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  9. It can have a large affect on results if an expense ends in say Feb. and the program runs it all year. Same for income if it ends early in year and program assumes it lasts all year. This is especially true for those of us who have an especially short time to the end of our plan. Please make this change to increase the accuracy of the results.

    3 votes
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  10. Allow for the creation and editing of a one page for user notes. User could enter such notes as to report planning things to do list, deadlines to be met list, account telephone numbers, whatever.

    3 votes
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  11. Client has 6 accounts. On 4 of these accounts, Advisor wants to show the client difference between strategy A and strategy B. To do this advisor has to make 8 changes, one at a time (before retirement and after retirement). Then after demonstrating this to client, advisor has to make 8 more changes, one at a time in front of the potential client to change return rates back. Gets very clunky.

    3 votes
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  12. Would serve as a possible "Red Flag" item. If I normally pay $20,000 in Federal Taxes and a one year line now shows #35,000 then user needs to research why. May be valid - may not be valid.

    Same would be true in reverse - normally pay $20,000 and now one line $12,000.

    If valid would allow user to make necessary change to reduce withholding amounts.

    2 votes
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  13. Add a SORT filter under the AGE TO START EXPENSE Column to sort expenses by AGE. This would allow for an easier view of the Data Inputs by AGE already input and allow for modifications as needed.

    A lot of the time, New Expenses are added at the Bottom of the list with varying degrees of Age.

    This currently requires the User to Scan from Top to Bottom to review the expenses and related ages already submitted on various line items.

    1 vote
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  14. consumer: add pop up box for adding comments to line item / entries. Like ADD COMMENT in excel.

    1 vote
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  15. When we are in any of the 4 input screens on the right (Assets- Cash Infusion-Special Expenses-Liabilities), we cannot use the bottom tool bar to toggle back and forth to other screens. Nor can we use the Minimize option to access other screens. That is not the case when viewing Savings Graph, Retirement Graph & Spreadsheet). It would be great if we could have the ability to either minimize or utilize the bottom tool bar

    1 vote
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  16. 1 vote
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  17. Give us the ability to create a variable rate of return on assets. Having a static rate of return of hypothetically 6% during the withdraw phase creates a very different result than a variable 6% average annual rate of return. Would be great if you could pull in S&P 10-20 yr average annual rates of return

    1 vote
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  18. Allow specific expenses to be taken from tax deferred or tax free investments when those funds are available. For large purchases (i.e. automobiles), taking funds from tax free accounts can keep you from creeping into a higher tax bracket.

    Alternatively, allow some customization or withdrawal strategies. Taking after tax money first, is not always the best strategy.

    1 vote
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    You can set it to take special expenses from tax deferred or any available. So part of this is already done.

    We are considering letting you also choose Tax Free as a 3rd option.

  19. 1 vote
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  20. Both my and my spouse's birth dates are near year-end, and I have entered pensions and social security starting at age 66 instead of 65, otherwise I found that our savings at say age 80 would be overstated by about 5%

    1 vote
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