We have a comprehensive suite of financial planning tools available to help you with both pre- and post-sale business, all available at no charge.
Investments:
Fund Centre (in partnership with Financial Express) – Provides fund information including performance, fund charges, volatility, ratings, plus costs and charges and target market information required by the European MiFID II regulations. You can also obtain fund factsheets and KID/KIID documents.
Uscan investment analysis tool – provides a rich source of data for analysis of individual assets, portfolios, existing and proposed investments. Analyse individual funds, assets in a client’s accounts, or model portfolios using historic performance. Demonstrate the value of your advice by including your client’s account value over time versus net payments, time-weighted returns and the ability to add your own commentary. A function to white-label client reports is available.
Portfolio planning tools – with optional use of our optimised asset allocation models (devised with Willis Towers Watson).
Risk assessment and discussion tools – A range of tools that help you to measure your clients’ attitude to risk and build a suitable matching portfolio. The discussion tool assists you in the risk discussion process by explaining Quilter’s ten risk levels.
Total cost of ownership tool – Calculates the impact of moving a client’s existing Collective Retirement Account from our bundled charging structures to unbundled. It also shows you the impact of switching into different funds and swapping into the WealthSelect Managed Portfolio Service.
Pensions:
Carry forward calculator – Calculate the maximum gross contribution your clients or their employer can contribute to their pension by tax year end. The calculator takes into account any carry forward available and any taper to the Annual Allowance that applies.
Scheme specific tax-free cash calculator – Helps determine a member’s tax-free cash entitlement where they had tax-free cash rights greater than 25% as at 5 April 2006.
Capped drawdown maximum income calculator – Use this calculator to identify the maximum income limits available under capped drawdown. The calculator is able to take account of additional designation calculations to existing drawdown funds. It can carry out target income calculations, identifying the amount to crystallise to provide a specific level of income.
Tapered Annual Allowance calculator – This stand-alone calculator will determine the level of tapered Annual Allowance applicable to the client. This can be used for any year. The results are based on the information provided, our current understanding of HMRC rules and does not account for any additional proposed contributions. If you wish to do a full calculation including maximum contributions and carry forward, please use our Maximum Contribution Calculator.
Taxation:
Chargeable Event Gain – Income Tax Calculator – Calculates the income tax payable, after available reliefs, for one or more chargeable event gains on a life or redemption policy. It can’t be used where the gain is assessable on trustees, or where a company owns the investment, because life and redemption contracts owned by a company are taxed under the ‘loan relationship’ rules.
Capital Gains reporting tool – For the Collective Investment Account. Includes ‘what if’ disposal planning reports to maximise tax opportunities, add assets held outside of Quilter investments in calculations, fully tailor the report to your client’s needs over a time period of your choice, and access the tool on any browser you choose.
Inheritance tax calculator – Lifetime Gift tool – Calculates a client’s potential IHT liability. It also includes information on gifts, exemptions and suitable trusts.
Capital withdrawal financial planning tool – Calculates the capital gain on a given withdrawal from an investment or the amount of withdrawal required to utilise an individual’s, or trustee’s, capital gains tax allowance.
Chargeable Event Gain calculator – Calculates the chargeable events for part surrender of all policies, a full surrender of individual policies and full surrender of all policies within your client’s bond.
Net Investment Returns Calculator – Shows the potential returns, after charges and tax, on 3 different investment products, Collective (or General) Investment Account, Offshore Investment Bond and Onshore Investment Bond, taking into account whether the individual is a basic, higher or additional rate tax payer.