Overview

Imago Advisor Tools are a set of tools design to provide support for the advice process of complex multi asset investment and benefit scenarios including drawdown.

Many of the Advisor Tools are built upon the core calculation engine that is built into Imago Illustrations and Imago Reviews. This means that any regulatory or legislative changes effecting the calculation engine automatically get updated to the users of the Imago products that use the common engine.

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Features

Annuities calculator

Imago now exposes more of its underlying technologies to the user, enabling firms to easily calculate future annuity rates using the latest FSA mortality basis.

Contributions levels calculator

Whether you're trying to ensure that your contribution levels remain below your lifetime allowance, looking to build up a fund of a certain amount, or trying to determine how much you will have to contribute in order to receive a certain level of income when you retire, Imago can figure it all out with just a couple of clicks of the mouse.

Physical contributions can be inputted either as a percentage of salary or as a specific amount, together with employer’s contribution. It is also possible to set the level of risk as low, medium, high or customise it to select a portfolio from a list of investments.

Other parameters can be inputted including projections for annuity values and interest rate growth based on changing market conditions. Tax relief on contributions can also be applied. The component also ensures that minimum contributions based on income level have been met or exceeded.

It offers the flexibility to cope with monthly, quarterly as well as annual contributions and escalating contributions as desired. Ultimately it calculates required contribution based on delivering a specific income through an annuity or draw-down of tax free cash lump sums.

Drawdown income level calculator

Quickly check that any change in a clients income requirements still remain within the limits set down by the Revenue - including support for both the current and post A-day regulatory rules.

Lifetime allowance calculator

With the advent of a 'Lifetime allowance', Imago now offers the ability to quickly calculate where your funds may be at a certain date, taking into account your specific contribution decisions and compare it against the projected lifetime allowance.

Projections analysis

Hand in hand with our contribution levels calculator is the Imago projections analysis tool. Analyse your illustrations at the click of a button, view information on charges, income, fund growth, effect-of-deductions, lifetime allowance and more. Plus you can now 'tweak' your illustration basis to instantly see the effect it will have on your pension arrangement - see how taking a smaller income, retiring later or deferring going into drawdown will affect your fund.

Tax free cash analysis

Examine the relative merits of full versus phased drawdown, including the supportable levels of income and the relative tax-efficiency of each income vehicle.

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