financeXpert announces Universal Life Analyzer™

Universal Life Analyzer™ - This is the first of several module systems developed in conjunction with the experts at Fee Advisors Network, LLC to analyze policies, Universal Life Analyzer™ is part of their continuing development of a fiduciary process for risk management standards.

This is an Excel based system that can analyze a UL policy by allocating defined and policy specific costs into their related fields of classification (premium load/expenses, fixed policy fees, etc.), then recalculating the annual Cost of Insurance (COI’s) that represents the true cost of the Net Amount at Risk. Included is a COI Benchmark that allows the advisor to compare actuarial curves over the life of the policy to those of the Benchmark, bringing to light any actuarial discrepancies in future pricing assumptions.

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Four additional planning products help you master your practice

Retirement Wealth Planner™ - the fastest, easiest solution for creating high level financial plans without sacrificing flexibility. The simple spreadsheet template handles tax-qualified and non-qualified investments, life insurance needs, multiple investment horizons, pre-retirement and post retirement cash flows and goal funding.  Simple to use macros allow you to optimize variables such as retirement age, investment return targets, life insurance needs and spending levels.

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Investor Real Estate Planner™- What's the right price to pay for a rental property?  How can you structure a deal to increase the chances of getting a good return on your downpayment?  How much rent should you charge and when should rents be increased? These questions and more are easy and quick to answer with Investment Real Estate Planner.

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Personal Real Estate Planner™ - Are you thinking about buying a new house, but you're not sure how much to spend or how much to put down?  The Personal Real Estate Planner can help you answer these questions and more.

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Real Estate Profit Planner™ - If you want to make serious money buying, fixing up and selling properties it will be critical to crunch some numbers in advance.  Planning will help you avoid the money pits that often rob investors of their profits. Real Estate Profit Planner asks you for the critical details and gives you instant results for up to six properties so you can plan out an entire year's worth of projects.

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Financial Guidance System™ - the gold standard for planners and managers

With financeXpert's Financial Guidance System™ (FGS™) you can focus on your clients’ most important issues, test-drive their financial choices before they have to act, and prepare them to adapt when life throws a curve.   You can feel more secure about your advice, earn reliable, recurring revenues and manage, not just predict, the future.
FGS™ is built to enhance relationships, be accessible at any time from any location, manage client data with ease, reduce administrative burdens and adapt to your unique business needs.

Financial Guidance System™ is a web-based tool that lets you manage your clients’ finances in a holistic manner, including coordinating personal and business financial planning and family legacy building. By giving your clients better answers, more realistic answers, more reliable answers you can be the one professional your clients can’t live without.

more information on Financial Guidance System™