Voyant Adviser
Our original, comprehensive software for financial professionals, Voyant Adviser provides the tools for complex financial planning. This Java-based application can be installed to your desktop for use both online and off. Voyant Adviser remains available today in the United Kingdom and Ireland.
Voyant Adviser videos and documents
Getting Started
- Differences between Voyant Adviser and AdviserGo
- Your first client case - options for creating new client plans in Voyant **UK and Ireland**
- Register - Start your no obligation 30-day trial of AdviserGo and Voyant Adviser **UK and Ireland**
- Adding or restoring a desktop shortcut to Voyant Adviser
- How to adjust the size of text and other items onscreen in Voyant Adviser
- Browser settings - Are any special browser settings required to run Voyant Adviser?
System Requirements
- Browser Plug-ins - Are there any browser add-ons or plug-ins required to run Voyant?
- Voyant Adviser and Microsoft Office - Do the two interact?
- Windows Security Alert - "Windows Firewall has blocked some features of this app"
- Proxy Settings - Does your browser use special proxy settings and if so, where would you find them?
- Java Settings - Manually configure Java to allow Voyant to be cached, allow desktop shortcuts, and to work through proxy servers
- Proxy Servers - How to manually configure proxy server settings in Java (only when necessary)
Basics - Starting a new client case, entering the essentials
- How to delete an item from a plan
- Net worth does not show non legal spouse assets
- Editing a client name
- Entering client information - About the data entry screens
- Templates - Create a new client case from a template in six easy steps
- Step Up / Step Down - Making future increases, decreases, or adjustments to items in plan
Release Announcements and Other Updates
- May 2020 Release - Access Your Client Files Faster, Synchronisation Process **Voyant Adviser, UK and Ireland**
- May 2020 Release - New Options for Troubleshooting Synchronisation Issues **Voyant Adviser, UK and Ireland**
- New in Our February 2019 Release of Voyant Adviser
- Chart Colours - A new look for the charts in Voyant Adviser
- Release Notes - View notes from software updates past and present
Time - Events, stages and the planning timeline
- One client has retired: How to delete their Retirement Event without removing the Pre-Retirement stage.
- Unable to change the events or stages that time an expense, income or debt
- Show years instead of ages along the axis of the timeline
- Mortality events - Change life expectancy assumptions by moving mortality events
- Reports - How to output the timeline into a printable report
- Change the Timing of an Event - Moving an event changes the timing of everything it schedules
Windfalls
Voyant Adviser - Ireland
- Why does the state pension increase on first death? **Voyant Adviser Ireland**
- Is there any difference in the Income Tax calculation applied to the different income source options? **Ireland**
- December 2018 Ireland Release - Tax updates from Budget 2019
- Default Inflation/Growth Rates - Default Tax Table Assumption (Ireland)
- Q: How do I model tax exempt clients (Ireland)
- Income Tax Calculations
Voyant Adviser - United Kingdom
- Do I need to purchase a Java license?
- Withdrawal Limits (UK) - Limit withdrawals from drawdown pensions to a percentage of GAD in Voyant Adviser
- December 2018 UK Release - Savings, pensions and tax updates from the Budget, 29 October 2018
- State Pension age discrepancy
- How do I model tax exempt clients (United Kingdom)
- State Pension Age increase to 68 for those born between 6 April 1970 and 5 April 1978
Offline - Using Voyant Adviser in offline mode
- Access Your Client Files Faster, Synchronisation Process Streamlined in May 2020 Release **Voyant Adviser, UK and Ireland**
- Tip - Haven't used the software offline in some time? Test offline mode before going offline.
- Remember your passcode. There is no password reminder mechanism for offline passcodes.
- How to set or reset an offline passcode (offline password)
- Offline mode can only be enabled initially online
- Offline Access is Limited to 7 Consecutive Days - Message, "You have # days until your offline licence must be re-validated"
Usage - Authorisation limits and concurrent usage checks
- Authorised Computers - View a user's authorized computers and possibly deauthorize a computer that is no longer in use
- Authorised Computers - View your authorized computers and possibly deauthorize a computer that is no longer in use
- Authorised Computers - Once a computer is authorized for an active Voyant user, any Voyant user could run the software on that authorised computer
- "Computer Not Authorised for User" message appears after installing and opening Voyant
- Authorisation Limit - Computer has been authorised but is not recognised as such
- Considering disabling a computer? How to find your computer's MAC address.
Hosted Solutions (e.g. Citrix) - Issues, considerations
Troubleshooting issues with Voyant Adviser
- How to revert to an earlier version of a client record **Voyant Adviser UK and Ireland**
- MAC- This password has appeared in a data leak
- New Options for Troubleshooting Synchronisation Issues in the May 2020 Release **Voyant Adviser, UK and Ireland**
- How to correct asset allocation errors when switching from one set of market assumptions to another
- Unexpected error: Java heap space
- How to correct asset allocation errors in plans following switch from SJP Voyant to standard Voyant
Cash Flow Fundamentals
- Withdrawal Limits - Reserve a minimum balance on an account in Voyant Adviser
- Liquid Assets - How do cash inflows meet the exact need certain years of the plan?
- Why is a 'surplus' appearing in cash flow? (Contributions versus transfers)
- Liquidation Limits and Planned Withdrawals - Tools for controlling future asset liquidations
- Expense Fulfillment - In what order are expenses fulfilled and what funds are used to pay them?
- Surplus Income - Is surplus income spent or is it saved?
Debts
- How to show a switch in mortgage from interest only to repayment
- Increase or decrease debt payments, schedule overpayments on debts **Voyant Adviser, UK and Ireland"
- Timing Debts - Using the Time panel to schedule debts
- Reduce Debt - How to model a partial repayment (pay down) on a debt
- Reduce Debt - How to model over-payments on a mortgage
- How to model a loan made by your client to a third party **Adviser UK and Ireland**
Debts - Home Equity Plans
Employment and Other Income
- Does Voyant model Scottish taxation?
- Rent a Room Scheme
- Benefits in kind
- Tax Free Income - Where to enter a tax free income source
- Bonuses - How to model variable income from bonuses
- Taxes Due - Truing multiple incomes with the personal allowance
Estate Plans
Expenses - Basics, Leisure, Luxury and Milestones
- How to model school fees
- Stamp Duty
- Mortality - How to reduce (step down) co-owned expenses after first mortality
- Retirement Expenses – How to increase or decrease future expenses in retirement (apart from inflation)
- Advanced Settings - The default inflation rate on expenses
- Timing - Scheduling future expenses using events or stages
Expenses, Legacy - Potentially exempt transfers and charitable gifting
Let's See - Charts
- Q: The Net Worth chart is not showing the full value of my clients' assets. Why?
- How to set an Expense Payment Source
- Let's See Chart Details - What are "unscheduled" contributions?
- Cash flow chart – What does the black “need line” represent?
- Let's See - Are the incomes shown in the cash flow gross or net amounts?
- Let's See - Annual "To Savings" total is higher than summed savings
Manage client cases and what-if planning scenarios
- What happens to a client file once it has been deleted from the software?
- How to rename or delete a what-if scenario
- Client files and plans (scenarios) - Voyant terminology
- Export button is disabled. How do I synchronise files between computers?
- Version comments vs. plan notes. What's the difference between them?
- Share a client record with a colleague **Voyant Adviser, UK and Ireland**
Overviews - General overviews
Overviews - Legacy overviews for IHT calculations and estate planning
Pensions - Annuities
Pensions - Drawdown Pensions
- Splitting pension income between spouses / partners (UK)
- Survivor's pension - how to set up a specific pot for inherited pensions
- Why have drawdown payments stopped after first death?
- Survivor's pension - Continue drawdowns or retain funds in a money purchase following the death of the owner
- Reports - How to output information on drawdown pensions in printable reports
- Step Up / Step Down - Scheduling future changes in drawdown pensions
Pensions - Final Salaries (Defined Benefit Schemes)
- Is Voyant geared towards meeting the new APTA requirements for Defined Benefit transfers?
- How do I model a Final Salary pension in payment, which is level now but escalates from a future date?
- Defined benefit schemes present or future value
- Step-by-Step - How to enter a final salary pension
- Lump Sum Options - Commutation of Pension Benefits
- Time - Scheduling the start of final salary payments
Planned Withdrawals (New)
- Planned Withdrawals and other highlights from our December 2018 release
- About the Planned Withdrawals screen and how to schedule withdrawals
- Surplus Withdrawals - What happens to the surplus if I withdraw more than my client needs?
- Withdrawal Limits – Placing restrictions on the software’s ability to liquidate assets as needed
- Scheduling planned withdrawals from pensions
- Crystallisation Instructions for Money Purchases (UK)
Pensions - Money Purchases (Defined Contribution Schemes)
- Can the software take 'as needed' withdrawals from pensions as tax free cash only? **Voyant Adviser, UK**
- Increasing the tax free cash limit **Voyant Adviser, UK**
- Why aren't employer pension contributions to a money purchase screen showing in the cash flow chart? **Voyant Adviser, UK**
- How to model a lump sum pension contribution. **Voyant Adviser, UK**
- Pension spike age 75 / Lifetime Allowance tax charge. **Voyant Adviser, UK**
- Pension transfers **Voyant Adviser, UK**
Pensions - State Pensions
People
Preferences - Default assumptions
- About Preferences - are the software's default assumptions updated?
- About Preferences - A master list of the software's default assumptions and settings **Voyant Adviser, UK and Ireland**
- Application Preferences - Set Text Size **Voyant Adviser, UK and Ireland**
- Preferences - Enable risk profile settings **Voyant Adviser, UK and Ireland**
- Preferences - Major Loss Event Defaults
- Application Preferences - Open backup folder, disable auto backup **Voyant Adviser, UK and Ireland**
Property and Assets
- Downsizing a home
- How to enter a tax deductible expense for a rental property
- How do I gift a property (e.g. to children)?
- My client has inherited a property, how do I model this?
- Can jointly owned property or assets be shown with unequal ownership?
- Depreciation on an asset
Protection - Critical Illness
Protection - Income Protection
Protection - Long Term Care
Protection - Term Life, Endowments, Family Income Benefits
Protection - Whole Life
Reports and Notes
- How to generate a report in real money terms
- Which reports can be generated in Excel **Voyant Adviser, UK and Ireland**
- Action Items Report - What is considered an action item?
- Saving a Voyant Word report as a pdf creates multiple files
- How to change your address, email address, phone number etc
- How to generate a report
Risk profiling
Savings and Investments
- How to model a Property Authorised Investment Fund (PAIF)
- Using asset allocations to set account growth
- What are the benefits of using Asset Allocation to model investment growth?
- Why is entire Investment Bond being encashed / liquidated?
- Step-by-step - How to build an asset allocation (model portfolio)
- Step-by-Step - how to add an asset allocation (model portfolio) to an investment or pension
Simulations
- What is the difference between arithmetic and geometric returns?
- About the Monte Carlo Insight
- Need Analyser - Using the Need Analyser to run liquid assets down to zero by mortality
- What calculation is used in the real money simulation
- 'Growth is Fixed' - what does this mean?
- Understanding 'Loss Capacity' & 'Major Loss' functionality
- Voyant Adviser videos and documents
- Getting Started
- System Requirements
- Basics - Starting a new client case, entering the essentials
- Release Announcements and Other Updates
- Time - Events, stages and the planning timeline
- Windfalls
- Voyant Adviser - Ireland
- Voyant Adviser - United Kingdom
- Offline - Using Voyant Adviser in offline mode
- Usage - Authorisation limits and concurrent usage checks
- Hosted Solutions (e.g. Citrix) - Issues, considerations
- Troubleshooting issues with Voyant Adviser
- Cash Flow Fundamentals
- Debts
- Debts - Home Equity Plans
- Employment and Other Income
- Estate Plans
- Expenses - Basics, Leisure, Luxury and Milestones
- Expenses, Legacy - Potentially exempt transfers and charitable gifting
- Let's See - Charts
- Manage client cases and what-if planning scenarios
- Overviews - General overviews
- Overviews - Legacy overviews for IHT calculations and estate planning
- Pensions - Annuities
- Pensions - Drawdown Pensions
- Pensions - Final Salaries (Defined Benefit Schemes)
- Planned Withdrawals (New)
- Pensions - Money Purchases (Defined Contribution Schemes)
- Pensions - State Pensions
- People
- Preferences - Default assumptions
- Property and Assets
- Protection - Critical Illness
- Protection - Income Protection
- Protection - Long Term Care
- Protection - Term Life, Endowments, Family Income Benefits
- Protection - Whole Life
- Reports and Notes
- Risk profiling
- Savings and Investments
- Simulations