| Feature | Description |
| Insights | - All insights can now be disabled/enabled via feature key. Prior to this there were several that did not have this level of control.
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| Savings | - The default value of the Growth is Fixed option is now true for savings accounts.
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| Insight and Insight Reports | - For Investment Returns, modified the language to state that the baseline rate is inclusive of fees. Previously the language provided a bit less clarity.
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| Update and Promote | - Resolved an issue in the update and promote process, specifically when promoting to the same calendar year. The flow now prompts users to choose whether they would like to keep or delete items in the plan that occur within that year.
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| Superannuation | - Fixed a bug where the last eligible age for non-concessional contributions was incorrectly set to 74 instead of 75.
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| SJP Salesforce | - Add Life Cover Plan type mapping.
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| Reports | - Disabling by default the toggle to switch between the old and new Reports UI.
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| Feature | Description |
| Debt | - Fixed an issue where a user is unable to edit a Debt’s owner when a Debt is linked to a Property.
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| Legacy | - Fixed an issue where a scenario dropdown would show an option that’s not applicable to the plan.
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| Client Lock | - Fixed an issue where a user is unable to update a plan after unlocking access.
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| Timeline | - Fixed an issue where a plan’s Timeline does not get updated after changing a secondary person’s birth year.
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| Property | - Fixed an issue in Year View mode where a user is unable to click on a Property to view more information.
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| Reports | - Updated the Life Needs Insight description and added clarification in the Financial Summary report.
- Updated the Cashflow (Detailed) report to no longer display data with the value of '0' when exporting for a user selected date range.
- Added Income Protection Insurance to Fact Find and Plan Facts reports.
- Updated Potential Estate Tax Report to now display a non-married partners age.
- Corrected issue where Estate Analysis (Detailed) Report was failing to generate.
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| AU Investment bonds | - Users can now add an investment bond as a type of investment to their plan and view their contributions in year view.
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| Feature | Description |
| Accounts | - Most account types with growth inputs now also include a 'Growth is Fixed' toggle. When enabled, the account's growth will not be affected by insights that involved market-based growth rate performance (ie. market crash, monte carlo, etc).
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| Plan Differences | - Removed erroneous message about being unable to retrieve plan differences when using the 'swap plans' button.
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| Monte Carlo | - Monte Carlo will now display on the reports with the corresponding information from the generated insight.
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| Reports | - Updated missing table header in Estate Analysis Detailed chart to display the correct name.
- Updated Plan Facts and Assumptions Report to fit properly when in the report page.
- Fixed an issue where Non-Legal Partner’s age wasn’t displaying on the x-axis of Report Charts.
- Updated table spacing within Assets (Detailed) Report.
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| Client Plan | - Fixed issue where an error would populate when trying to open a Client Plan.
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| Feature | Description |
| Reports | - In the new reports page, hovering over a report section in the reports library will now display a preview image of the report.
- Added a disclaimer message when configuring a detailed report section of a child or other plan. Specific text is “The events shown in the timeline are based on the current plan. if you have specified a different plan for this report, the events below may not be accurate.”
- Corrected an issue regarding the Retirement Summary report wherein we now ensure that the report lump sum section is using retirement as the event and not whatever the last selected event was from the insight.
- Updated Income vs Expenditures report header to now include Real Money in the title if the Real Money option is selected when running the report.
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| Save and Add Another Gifting Goal | - Fixed a bug where Save and Add another Gifting Goal created a new Gifting Expense instead.
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| Legacy Page and Estate Report | - Resolved an issue with understated debt values on the legacy page.
Updated estate reports linked to life insurance payouts.
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| Property | - Fixed an issue with rental income being used to fulfill the purchase cost of its linked property. Rental income will now only display after the associated asset has been purchased.
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| Retirement Accounts | - Added Self Managed Super Fund functionality as follows:
- When buying a property through an SMSF, the fund is required to pay 15% tax on rental income from the property. On properties held for longer than 12 months, the fund receives a one third discount on any capital gain it makes upon sale, bringing any capital gains tax liability down to 10%.
- If the property is purchased via a loan, the interest payments are tax deductible to the fund. If expenses exceed income there is a taxable loss that is carried forward each year and can be offset on future taxable income.
- Once trustees start receiving a pension at retirement, any rental income or capital gains arising in the fund will be tax free.
- If a loss on your property, any tax losses cannot be offset against your personal taxable income outside the fund.
- If significant improvements or renovations to the property, this is allowed but must be funded by available cash already held within the super fund and not by the loan or borrowed money.
- We will not support a transfer or a loan feature for this first iteration.
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| Feature | Description |
| Integrations - Launch in Context | - Fixed unlikely case where the app crashed during the Launch in Context ‘Merge’ flow for integrations that do not provide a birthday for the imported people.
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| Reports | - The reports selection page has been upgraded with a new look and enhanced functionality:
- Report set management has moved to is own page.
- When creating a report set there are options to add, delete and re-arrange report sections.
- Added ability for custom adviser notes at the end of each report section.
- Export options are now located at the top of the screen.
- Added the ability to select distinct periods for each report.
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| Client Plan | - When a Client has an error in an older plan that was not recognized before updating the plan to AdviserGo, the user now has the ability to fix this in Adviser.
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| Chart Errors | - An Expense with a value of 0 formerly caused AdviserGo to display an error. This has been changed to a chart warning.
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| System Admin | - Added the ability to remove password from a Client for System Admins in the Admin Console.
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| Feature | Description |
| Login Page | - Users will now receive an alert suggesting to change regions when they’re visiting a version of Voyant designed for another country.
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| Goals | - Updated the Buy Property Goal to have a “Save & Add Another” function.
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| Clients | - When managing Client Access and selecting Client Lock, the modal now closes after making the selection.
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| Taxes | - Added Division 293 Tax to the Year View Tax Page and Tax Reports.
- Added Division 239 to Taxes Detailed Report Year View.
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| Reports | - Updated the Taxes Detailed Report to now display a new line item for DIV293 Contributions Tax.
- Updated Reports to no longer display Pension Details title if there is no Pension in the plan.
- Updated footer of the Reports to display the correct plan name.
- Fixed formatting on last page of Taxes Detailed Report when not enough years are present to fill all columns.
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| Plan Settings | - Updated Major Loss input within Plan Settings to correctly display a Negative Fixed Growth when selected.
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| Feature | Description |
| Accounts | - When clicking to Edit an Account from Income vs Expenditures or Balance Sheet, you will now always be returned to your previous page on Cancel or Done rather than back to the Dashboard.
- Updated Event edits to display full screen. Corrected the editing feature in the Model to return to the previous location rather than the Dashboard when selecting Cancel or Done.
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| Modals | - Updated Edit Modal to support Bootstrap 4 update and Modal accessibility features.
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| Reports | - When generating a Life Needs Insight Report and there is an calculation error, N/A will be displayed as the need value instead of 0.
- Enhanced Reports Sets feature to have a key that enables the user to view and manage Subscription Report Sets. The setting is off by default but can be enabled by a Subscription Owner/Manager. When the Report Sets are not available the configuration page will not be displayed.
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| ClientGo | - Corrected issue within ClientGo when attempting to add a finance such as personal pension or a money purchase and selecting the contribution type as percentage of income where the screen was unresponsive after the input of a decimal.
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| Dashboard | - Rephrased Pensions to Retirement and Cost Basis to Cost Base.
- In the Incomes vs Expenditures data, in both the UI and Report, Super’s contribution and earning tax is no longer included in the Allocated To Savings row.
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| Feature | Description |
| Financial Assumptions |
- We have refreshed the Custom Market Assumptions uploader with a new look, including the ability to preview the investment classes & their specific rates. This feature has moved from the Profile Dropdown to the new Financial Assumptions dropdown on the main advisor route.
- Things moved to the Financial Assumptions dropdown are Subscription Preferences, Model Portfolios, Market Assumptions, Tax Regimes.
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| Reports | - Since Potential IHT/Estate Tax is real money eligible, the real money icon will now appear on the right side of the reports page if the Potential IHT/Estate Tax insight report is selected and the real money toggle is on.
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| Accessibility |
- Added alert for screenreaders on plan change saves.
- Fixed footer for a11y reports- were causing additional pages and were not properly aligned.
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| Property | - The Inflation Rate input field is now hidden for new purchases, provided that the market value is entered as a future value.
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| Trust | - Fixed an issue where trust capital or income distributions to a person outside plan go to an account owned by the plan primary or spouse.
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| Legacy | - Exclude same year property purchase that has not been fulfilled since the expectation is that the asset is either purchased or not purchased but never both.
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| Feature | Description |
| Plan Dates | - Move Plan Start Date|Users can now move the base plan start date backward in time. Select Edit Plan Start Date from the plan actions menu under Plan Dropdown, Manage Plans. Moving the date forward will still require the use of the Update and Promote flow.
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| UI |
- Fixed an issue on touchscreen devices, like iPad, where users were unable to hide/unhide chart items via the legend.
- Fixed an uncommon issue where users were unable to save a 0% value if the input was previously blank.
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| Accessibiliy |
- Improved Accessibility on the Login Page by adding appropriate alt attributes to images and form inputs, ensuring proper ARIA roles utilized, enhancing keyboard nav and focus management, verifying contrast ratios for text and background colors, etc. General housekeeping.
- Added accessible headings and styles for What If flows.
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| Estate | - Potential Estate Tax Simulation and Report|Extended Timeline to Plan End
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| ClientGo | - Users can now edit expenses added by their advisor via AdviserGo- previously a user was able to edit expenses entered in ClientGo only.
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| Admin | - Feature Key Descriptions|In the admin console, feature keys now have descriptions in a new column.
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| Year View | - Improved the Year View data for RSUs by removing some unnecessary information.
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| Report | - Plan Facts Report | Update windfall value such that it does not have the per month indicator since it is not a monthly value.
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| Feature | Description |
| Inline Help | - Inline Help can be set on by default by administrative user or Voyant support by enabling the feature key enable-inline-help-default (requires feature key learning-system, can subsequently be turned off persistently by the user if desired.)
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| Events | - Property and Multi-year expense timing are now defaulted to the plan end event and not the last mortality event.
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| Accessibility | - The A11y report option now provides a zip with chart data, as well as the A11y report pdf.
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| Guided What If | - Buy A Home and Rightsize Guided WhatIf| now default the property timing to plan end. NOTE that changing owner of property will not impact timing.
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| Year View | - Corrected a situation where Year View showed No Investment Data Available for nnnn (where nnnn is a valid year in plan with investment data) such that the phrase only appears when there is no investment data for the selected year.
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| Feature | Description |
| Accessibility | - Added accessibility form controls to the client password input, and an error message if the password is wrong or empty.
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| Employments | - Fixed a bug where dividends were not included in the dashboard value for Employments on subsequent saves.
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| Let�s See Charts | - Fixed a bug where the UI resets the chart type when the user navigates away.
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| Investment Returns Insight | - Users can now choose whether to include or exclude cash accounts in the calculation.
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| Trust Income Distribution | - A company may now be a beneficiary of a trust and receive income in the same manner as an individual.
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| Feature | Description |
| Transfers |
- The UI now seamlessly handles changes to transfer events. When converting a recurring transfer to a single event, the start event automatically becomes the single event. The end event is discreetly retained, ready to reappear if the transfer is switched to recurring.
- Added validation to prevent creating a transfer without a source account
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| Monte Carlo | - Corrected an issue where the spouse age was intermittently plotted on the Monte Carlo chart.
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| Savings | - Improved the user experience by removing default zeros on new Savings accounts.
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| Linking Properties from a Debt | - Resolved an issue where newly linked properties from a debt did not consistently save.
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| Insights | - Insight results charts will now display results using real money values.
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| Feature | Description |
| Accessibility Improvements | - A number of accessibility improvements have been made including:
- Users can now navigate the charts with their keyboard.
- Screen readers will now announce the legends for the charts.
- Users can now click on the labels in the charts with the keyboard.
- Upgraded the charting library used in AdviserGo to provide additional options to address accessibility needs.
- Corrected multiple table headings and structure.
- To enhance keyboard navigation, all interactive buttons and links now receive clear visual focus indicators when tabbed through. These indicators may include an underline, a change in font weight, a background color change, or a border around the focused item. This enhancement ensures that keyboard users can easily identify and interact with elements throughout the application.
- Corrected several roles issues.
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| Icons |
- We implemented a refreshed set of icons across our entire product suite, designed to embrace a contemporary design with increased contrast, improving comprehension at a glace. Customized icons are not affected.
- Enhanced the report bar charts with new event icons and a restructured event representation.
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| Plan Promotion | - Addressed items related to promoting the following entities from child plans to base plans.
- Trusts with Beneficiary Information applies to trusts in Canada, the United States, and Australia.
- Companies with Common and Preferred Share Ownership:
- Common share ownership and preferred share ownership percentages for companies in child plans will now be promoted correctly to the base plan.
- This applies to companies in Canada, the United Kingdom, and Australia.
- Term Life/Whole Life/Protection - Beneficiaries and Maturity Data:
- Beneficiary percentages for Term Life, Whole Life, and Protection insurance policies in child plans will now be retained when promoted to the base plan.
- Maturity data for insurance policies in child plans will now be promoted correctly to the base plan.
- These changes apply to insurance policies in the United States, the United Kingdom, and Australia.|
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| Feature | Description |
| Cash Flow Detailed Report | - The stack order of an Insurance on the Cash Flow Detailed chart has been adjusted to match with the ordering on the PDF report. Previously, Insurance was displayed as the last element in the chart but was listed as the third item in the report.
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| Sample Clients | - Advisers can now add sample clients to their AdviserGo accounts with ease. Simply click the Sample Clients tab on the advisor homepage to see a list of pre-created clients that you can add, and optionally, copy and give a custom name. Requires show-sample-client feature key.
- Click the Sample Clients tab on the advisor homepage.
- Browse the list of sample clients and click the one you want to add.
- If a sample client with the same name already exists, you'll be prompted to either create a new copy or navigate to the existing client.
- If you are creating a new copy, you will be able to specify the client type and first and last name.
- Click Save to add the client to your account.
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| Investment Returns | - The Investment Returns Insight now includes cash accounts in its calculations.
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| Monte Carlo | - Monte Carlo Insight in AdviserGo now includes Net Worth Goals and goals created in ClientGo.
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| Voyant Disclaimer | - Updated the Voyant default disclaimer in client reports to be more informative.
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| Custom Market Assumptions | - Improved the accuracy of correlation coefficients file uploads by adding additional validation.
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