Products

Overview
You can manage your clients’ finances in a holistic manner with Financial Guidance System™ (FGS™), including coordinating personal and business financial planning. By giving your clients better answers, more realistic answers, more reliable answers you can be the one professional your clients can’t live without.

Index
How does your client benefit?
How do you benefit?
Unique Advantages
    Enhances Relationships
    Always Accessible
    Easily Manage Client Data
    Simple Software Administration
    Adaptable to Your Business Requirements
        Unlimited Scenarios
        Customized Reports
        Unparalleled Scope
Distinctive Design Principles
    Integration Means Consistency
    Life Requires Liquidity
    Investment Risk Is Personal
    Transparency Puts You in Control
    Synergy Is the Biggest Risk Factor

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How to cancel your subscription to Financial Guidance System™

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How does your client benefit?

• Focus on their most important issues
• Test choices before they commit to decisions
• Be prepared to adapt when life throws a curve

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How do you benefit?

• Feel more secure about your advice
• Build reliable, recurring revenues
• Manage, not just predict, the future

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Unique Advantages
    Enhances Relationships
    Always Accessible
    Easily Manage Client Data
    Simple Software Administration
    Adaptable to Your Business Requirements

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Enhances Relationships
With Financial Guidance System™ you can strengthen existing relationships and build new ones as well.  By giving your clients better answers, more realistic answers, more reliable answers you can be the one professional your clients can’t live without.

You can also protect your relationships from outside interference as industry regulators attack the perceived conflicts of interest that arise when you provide financial planning services and sell investment products. With FGS™ you have greater transparency of the analysis on which financial advice is based, substantially reducing the perception of such conflicts.

In addition, with FGS™ large organizations can segregate planning functions from sales activities in a way that leaves the local representative in control of client relationships.

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Always Accessible
FGS™ is a web-based application you can access 24/7 from any location and you can share access with other trusted professionals as well as clients in a secure on-line workspace that you control.

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Easily Manage Client Data
Once initial data is entered into the system, you can easily modify simulations by editing the original data entry forms. Drop-down lists are context sensitive so they can be dynamically populated to provide quick access to relevant data you have previously entered.

FGS™’ central server administration maintains up-to-date databases for interest rates, security price changes, inflation, etc. so you don’t have to track it down.

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Simple Software Administration
Since FGS™ runs remotely there is nothing for you to install. When you log in to FGS™ you automatically work with the most up to date version. You need less hardware because the calculations run on our servers and your data is protected on our secure servers.

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Adaptable to Your Business Requirements 
FGS™ meets the planning needs of a wide range of clients, from individuals to multiple generations as well as clients with integrated personal and business planning issues.

    Unlimited Scenarios
    Customized Reports
    Unparalleled Scope

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Unlimited Scenarios
Create an unlimited number of planning scenarios using Financial Guidance System™.  All you need to enter is assumptions that are unique to each scenario.  Any common data such as account balances, personal data, transaction history, etc. is automatically stored and reused.

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Customized Reports
Why use cookie-cutter reports when you can have full control to tell your clients what they need to know by customizing both your analysis and reports using Microsoft Office applications?  With FGS™ you can arrange your calculated results in any fashion you choose then, paste them into Power Point, Word, Publisher or Excel.

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Unparalleled Scope
Financial Guidance System™ gives you more answers and more complete answers, such as:

• Take control of life insurance cash value projections and make them consistent with your other planning assumptions.
• Illustrate adjustable rate mortgage with volatile interest rates, just like investment returns.
• Use historic market data or average constant rates to project future investment growth.
• Set asset allocations separately for each goal.
• Include installment sales and notes receivable as existing or future transactions.
• Let budget entries drive the valuation of closely held businesses and investment real estate.
• Automatically create tax liabilities for liquidity events.
• Create detail cash flow, asset purchase, financing and depreciation plans for family owned businesses and rental real estate activities that integrate seamlessly with personal planning of various owners.
• Test alternative strategies for vesting and exercising employee stock options.
• Automate expected contributions, withdrawals and vesting schedules for qualified retirement plans.
• Set up rules for investing expected employer contributions to ESOPs.
• Simulate expected Employee Stock Purchase Plan transactions.
• Track income tax basis of prior and projected purchases of securities and assets.
• Set up recurring or one-time gifts of cash, securities or assets for both donor and donee with a single entry. 
• Automatically simulate wealth transfers across generations in a single plan.

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Distinctive Design Principles
    Integration Means Consistency
    Life Requires Liquidity
    Investment Risk Is Personal
    Transparency Puts You in Control
    Synergy Is the Biggest Risk Factor

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Integration Means Consistency
Unlike Monte Carlo simulations that only project investment performance FGS™’ historic replay solution integrates and projects all simulation events (cash flows, debt amortizations, liquidity events, investment  policy changes and investment returns) using consistent economic assumptions for the most realistic portrayal of your client’s future.

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Life Requires Liquidity
Financial Guidance System’s™ simulations show how volatile markets impact liquidity, and how the need for liquidity affects wealth. Since life requires having cash whenyou need it, why shouldn’t financial planning be about liquidity?

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Investment Risk Is Personal
When your clients have different risk profiles for each of their financial goals you canuse Financial Guidance System™ to build holistic plans that respect each goal’s unique risk tolerance.

You can also plan for changes that are likely to occur over the coming years in your client’s tolerance for risk.

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Transparency Puts You in Control
While competitors rely on statistical models, mathematical short-cuts and modular design, FGS™ employs “dynamic accounting”, a process that accumulates account values on a transaction by transaction basis.  Dynamic accounting and Microsoft Office integration combine to provide you with complete audit trails and maximum transparency of all calculations.

Financial Guidance System’s™ complete transparency puts you control of the numbers so you can have a greater understanding of the advice you give.

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Synergy Is the Biggest Risk Factor
Financial Guidance System™ was designed to accommodate three key principles:

• The whole is different from the sum of the parts.
• Spending in valleys hurts more than it does at peaks
  
• Assumptions shouldn’t be taken out of their context.

You can plan for the way the world really works when you use FGS™. You can improve your clients’ decision-making by recognizing three important realities of economic life. 

• First, financial transactions are synergistic, that is, transactions create a ripple effect over time. The real economic impact of any decision includes both present liquidity and future accumulation.  For example a even non-deductible expense can reduce the amount of investment capital that is generating current taxable income, as well as reduce the amount of capital that is compounding into the future.
  
• Second, relationship of when money flows in or out of an investment account compared to the magnitude and direction of market volatility is the single greatest factor in determining both current liquidity and future accumulation of wealth.
  
• Third, planning systems that rely on linear projections or random sampling (e.g. Monte Carlo Simulation) ignore the realities of market cycles and the variability of correlations among different types of investment assets during different market cycles.

You can plan proactively to prepare for changing market conditions by to stress-testing your advice with FGS™ which treats each expected life event as part of a series of interrelated and time-specific transactions.  In addition, investment return and inflation assumptions are applied from actual historical data so you can validate projections based on investment cycles you can relate to.

Financial Guidance System™ is so complete you can deal in realistic terms with such complexities as family owned businesses, investment real estate and building legacies.

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Subscribe now!
There are three ways to subscribe to Financial Guidance System™. Choose between Yearly subscriptions with semi-annual, quarterly or monthly payments. Click here to proceed with your subscription order.

Financial Guidance System: 30 day free trial. First payment will be charged to credit/debit card or Pay Pal account on the 31st day.
You may cancel your subscription at any time, however no refunds will be allowed.
            (e.g. if you select the monthly payment option and cancel your subscription 10 days after a your payment, you will not receive a refund for the remaining 20 days)
Subscription term – 12 months
Payment options:
            12 monthly payments of $275 each paid in advance
            4 quarterly payments of $750 each paid in advance
            2 semi-annual payments of $1,250 each paid in advance

Terms of use are contained in the Subscription Agreement which can be downloaded from the FGS log in page.

How to cancel your subscription to Financial Guidance System™
To cancel your subscription to Financial Guidance System™, simply login to your subscription account at PayPal using the Cancel Subscription" button below and follow the step by step directions.

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