Graphic display of simulation results

• Holistic, easy-to-understand graphical representation of the cashflow simulation results
• Interactive application providing comprehensive background information and details
• Depiction of income calculation as well as net asset value over the simulation period including optional breakdown on position-level

Income

• Comprehensive aggregation of all gross income from various sources
• Consideration of both essential and discretionary income (e.g. being able to sell assets in a tax-optimised manner to achieve the desired income)
• Estimation of income tax and national insurance payments for every year of the simulation
• Consideration of all different tax bands in the UK, Wales or Scotland
• Adjustment of the different income positions based on individual growth rates including inflation

Pensions

• Pension simulation for the estimation of pension values and expected payouts
• Differentiated consideration of defined contribution (DC) and defined benefit (DB) pension schemes
• Individual selection of pension growth rates including inflation caps
• Comprehensive tax estimation based on the respective pension owner’s lifetime allowance
• Handling of pension rights in case of death

Assets and investments

• Simulation of all investments, cash accounts as well as property
• Support of standard investment wrappers (ISAs, Unit trusts, Profit bonds, etc.)
• The core of asset estimation is to invest surplus liquidity or withdraw required liquidity in case of a shortfall
• Consideration of regular savings and withdrawals, yield, required or surplus liquidity and capital gains tax
• Annual adjustment of the value based on the position-specific growth rate, inflation and an annual investment fee
• Based on the investment type and the corresponding maintenance data different tax rates are applied

Loans and liabilites

• Ensure the holistic view of the customers net asset value
• While mortgages can generally be linked to a corresponding property, in the cashflow simulation both are treated separately

Protection

• Integration of insurance against financial insolvency
• Provides the integration of protections both for a two-customer scenario with reinvestment of the cover amount as well as for including a lump sum into the estate or providing a trust investment upon death

Estate & inheritance tax

• Comprehensive consideration of all final position values
• Calculation of inheritance tax for individuals and married couples
• Estimation of the estate for inheritance including protection cover amount payments
• Protection plans, insurance tax charges and estate estimation in cases of both death within and at the end of the simulation time period

Investment & reallocation rules

• As a connection between the different sections and positions of the cashflow tool, the set of investment and reallocation rules defines the order in which cash is distributed
• A synthetic liquidity pool serves as a buffer between the different positions
• All excess or required cash is either put into or taken out of positions according to investment and liquidation orders

What-if scenarios

• Pension transfer
• Income drop
• Early death
• Market crash
• Individual cashflow events

Regulatory compliance with FCA guidelines

• Calculation of all simulation results in real terms, taking all inflation effects into account
• Setting of inflation and growth rates in maintenance data set possible in order to ensure realistic and/or conservative estimation results
• Stochastic cashflow modeling options of possible financial outcomes available (e.g. Monte Carlo)
• Easy export of relevant assumptions and data for income, asset, tax and further calculations to ensure regulatory compliance

1. The perfect balance between complexity and simplicity
Our tool is built to showcase the understanding of a planning expert while enabling the understanding of a non-expert. A customer who feels understood remains loyal and will recommend your services to others.

2. Reduced training effort
Thanks to the optimally designed and intuitive process, advisers can focus their attention on the customer; the training and introduction effort is very low.

3. Increased service quality
By significantly reducing manual processes, the time saved can be used by advisers to better understand their customers and deliver better service. Satisfied customers are more likely to stay with a firm over the long term as their assets grow.

4. Increased sales profits
With aixigo's Cashflow Planner, the customer enjoys the full attention of the adviser. Thanks to the user-friendly interface and simplified presentation of complex matters, even a non-expert can understand what the adviser is presenting. 

5. Service experience for customers
Through transparency and focus on the most essential aspects, cashflow advice becomes a user experience for advisers and a service experience for the customers. Service experiences create customer loyalty, as the use of the valued digital offerings becomes a regular part of customer activities.

6. Integrated regulatory compliance
Complex algorithms, based on input data at hand as well as the regulatory framework of the FCA, ensures that all restrictions are automatically complied with.

7. Multi-functional thanks to RESTful API
Being built with RESTful API, aixigo’s Cashflow Planner offers endless possibilities. You can use it in advisory services, offer it as a self-service tool on the website and integrate it into new services at any time.

8. Expression of appreciation of the client's wealth
From the first use of aixigo’s Cashflow Planner, customers will recognise the value of your advice. Your customer will get answers to complex questions like " Will my assets provide financial security even in difficult times?”  providing a clear indication that the adviser is taking care of and managing the customer's wealth.