Performance Insight Transcript 

AdviserGo Global Training

Hello, and welcome to today’s global training.

Today, we’re going to review the Performance Insight in AdviserGo.

This insight helps us test how changes in investment returns may affect a client’s plan.

The Performance Insight can be used in two main ways.

First, if a client is showing shortfall, you may want to see whether moving them into a more aggressive portfolio, with higher expected returns, could improve the overall plan outcome.

Second, if you’re working with a higher-net-worth client, you may want to stress test the plan by lowering expected returns to see how that could affect their assets, flexibility, or legacy goals.

The main question this insight helps answer is:

How much does this plan depend on investment performance?

To begin, we’ll go to Insights and select the Performance Insight.

Once the insight opens, you’ll see a slider bar located underneath the chart.

This slider allows you to increase or decrease the modeled investment returns in the plan. Each notch on the slider represents a 1% change in returns, either higher or lower, depending on which direction you move the slider.

For this example, I’m going to lower the returns to see what may happen to the client’s joint brokerage account if they experience lower investment performance in the plan.

Once I’ve adjusted the slider, I’ll select Get Started.

After the insight runs, we can see that the lower return impacts the joint brokerage account. In this example, the reduced return causes the client to experience shortfall later in their retirement years.

If we want to show the opposite scenario, we can move the slider in the other direction to model higher expected returns.

Once we recalculate, we can see that the client’s retirement outlook improves. In this example, the plan is no longer showing shortfall after the higher return is applied.

We can also move the slider back to the moderate return assumption, which is where the plan originally started, and recalculate again.

In this case, the original plan was already in good shape. However, the Performance Insight still gives us a helpful way to demonstrate how different return assumptions may affect the client’s long-term outcome.

This can support a broader advisor conversation around risk tolerance, portfolio suitability, withdrawal strategy, and whether a more aggressive or conservative allocation may be appropriate for the client.

We can also compare the insight results to the current plan.

To do this, we’ll select Compare to Plan.

This allows us to see where shortfall may now be occurring because of the adjusted return assumption. From here, we can review what that shortfall looks like in the later years of the plan and discuss potential options with the client.

This is also a good opportunity to look at the client’s assets, since assets are directly affected by the return assumptions used in the Performance Insight.

We can switch to the Assets chart to review the impact more clearly.

If needed, we can also hide non-liquid assets so we are only viewing liquid assets that may be used later in retirement.

This view can help the advisor explain how changes in investment performance may affect the client’s available assets over time.

To summarize, if a plan is showing shortfall, the Performance Insight can help test whether higher expected returns may improve the outcome.

If the plan is already strong, the same insight can be used to review how lower returns may affect the client’s long-term position.

As always, if you have any questions while working in a client case, click on the client’s name, select Request Support, and our team will be happy to help.

Thank you for joining today’s training.