Version 5.98 Release Notes | 2023-06-29

AdviserGo

• Plan Facts and Assumptions report - The maximum allowed contribution amount will now be displayed when selected for Employee Contribution on Personal RRSP and DCPP plans.
• Plan Facts Assumptions Report - Fixed an issue which caused it to display contributions for the previous account type even when the account type was changed.
• The Market Assumptions Uploader previously displayed generic error messages when asset class names did not match the names used in the system. We have added more specific error messages for mismatched asset class names.
• Added the ability to indicate whether a withdrawal limit amount is future or present value.
• Vault | Users can now be invited to and use Vault without requiring a planning license too.
• Previously, jointly owned expenses were also displayed in the column of the deceased client on the Income vs. Expenditures screen. This has been fixed and jointly owned expenses will now be displayed in the column of the survivor.
• Market assumptions uploaded with no investment class set name will get compatible model portfolios when a risk order is not specified.

Version 5.97 Release Notes - Production Deploy date 2023-06-15

AdviserGo

• Added a model portfolio manager to AdviserGo. This manager can be accessed if the user has ROLE_MODEL_PORTFOLIO_SETUP role, and the feature flag model-portfolio-manager is not disabled.
• Added the ability to model the sale of a company. Feature key: asset-ownership-transfer
• Quebec- The two lowest personal tax rates have been reduced from 15% to 14% and 20% to 19%. Quebec will still use the lowest tax rate, now 14%, to calculate the provincial personal amount.

Version 5.96 Release Notes - Production Deploy date 2023-06-01

AdviserGo

• Adviser to AdviserGo | Canada and United States now have access to the new Balance Sheet and Income vs Expenditures features under the Overview tab. These features existed in the old Adviser application.
• Addition of error, loading, and Not Found states to Securities Search inside of: Item Edit|Growth|Holdings|Add Security.
• Added the ability to transfer ownership of a property and/or a company to people in the plan, a person outside of the plan, or a trust. Controlled by Feature Key asset-ownership-transfer.
• Added onscreen Balance Sheet and Income vs. Expenditures Overviews
• Added Present Value/Future Value functionality. This feature allows users to handle values based on present or future terms, depending on the specific item being addressed within the plan. Default changed to Future Value in Savings, investments, Retirement, Debt, Income Protection, Distribution for new models. Existing models remain Present Value.
• Adviser to AdviserGo | Line of Credit Payoff Events created in the legacy Adviser software are now converted to linked Onetime Payments in AdviserGo, allowing for easier editing.
• Corrected Long Term Care simple benefit escalation calculations.

Other Applications

• ClientGo | Addressed issue causing mis-alignment of icons for Safari users.
• Home | Users will now receive a helpful |Page Not Found| message instead of a blank page if they enter an invalid URL.

Version 5.95 Release Notes - Production Deploy date 2023-05-18

AdviserGo

• When changing plans, the application will no longer transition the user back to the dashboard every time. If the page is supported, the application will now transition the user to the same page they were on before changing plans.
• The OAS 10% age 75 benefit increase will NOT be automatically applied by the Voyant calculation ONLY IN the following scenario: The client is age 75+ in the current plan year and OAS is entered as |currently receiving benefits|.
• Resolved an issue with OAS amount where an owner currently receiving benefits that started receiving benefits before the plan start date was not correct. The OAS amount is now using the correct value for OAS income and is equivalent to a similar owner that began receiving benefits in the plan start year.
• The UI now respects the feature key {{require-tracking-id}} . If this key is enabled, and tracking ID is enabled, the UI will force the user to enter a tracking ID.
• Addressed a display issue where newly created Legacy Expenses would be shown as Goals in the Dashboard until the next load of the client.

Version 5.94 Release Notes - Production Deploy date 2023-05-04

AdviserGo

• Added example upload .csv files of a investment averages file and a correlation coefficient file on the custom market assumptions page behind a clickable link.
• In order to provide users with more flexibility, we now allow the use of SMS 2-factor authentication. A dedicated MFA verification page has been added with a feature to request a new code if the old one has not been received.
• Introducing Plan Differences: The New Way to Compare Plans. A new feature allows one to compare any two plans in a single view. Easily see the differences between the two plans, without having to switch back and forth between them. To view, go to Overview | Plan Differences, select the two comparison plans. Plan Differences will then display a side-by-side comparison of the two plans.
• Updated MFA text description
• Adviser to AdviserGo | Improvement to the user experience when we receive an error from an integration source. Previously, the UI would display an alert asking the user to confirm that they want to leave the page without context. In this release, we have changed the UI to show notification of the failure and redirect the user to the Client Dashboard.
• Adviser to AdviserGo | Debt Payoff Events created in the legacy Adviser software are now converted to linked Onetime Payments in AdviserGo, allowing for easier editing.
• Corrected an issue with the timing of an asset linked expense fulfillment. Previously, asset linked expenses were fulfilled at the beginning of the year, even if owned by individuals. This meant individuals' employment income was consumed by the expenses, even though they had not yet paid taxes on that income. The asset linked expense fulfillment is now only processed at the beginning of the year if owned by trusts and companies.
• Jointly owned debts were temporarily created as a single debt, even when owned by multiple people, leading to an incorrect result at an owner's mortality. Resolved such that jointly owned debts treated separately.
• Accessibility: Graph (Total Needs etc)
• Accessibility: Graph (Cashflow etc)
• Accessibility: Screen is not announced - Scenario
• Trust Module: Qualified for Capital Gain Exemption: System hangs
• OAS Benefit Amount
• |Plan Base| is in English on report footers
• Client Reports - Formatting Issues
• FHSA - Make Contribution Before Paying Expenses
• Unused FHSA Contribution Limit

Other Applications

• HOME | In the past, users could only use a 3rd party app for multi-factor authentication. Now, we are excited to announce that users can use either text messaging or a 3rd party app for multi-factor authentication!
• HOME | If a user is actively using muiti-factor authentication and wishes to self-deactivate his/her device, user must now submit a code (prompted on the screen).
• ClientGo, Snapshot, & Vault | Added better error handling when users attempt to access a URL without proper authorization.

Version 5.93 Release Notes - Production Deploy date 2023-05-04

AdviserGo

• Allow Corporations, Trusts, and People to co-own a property.
• Feature keyed enhancement; An additional menu item is available to be added behind the client name to view the client record in the Administrative console.
• Corrected a tabbing order issue in Dashboard, Dashboard year view, and Lets See pages.
• Corrected an issue wherein a double click on subscription preferences routes to a blank page.
• Filtered out UI options to prevent companies from owning their own preferred shares.
• Provincial tax updates - 2023 Provincial Budgets for Alberta and Manitoba.
• Handle FHSA contribution in same year as qualifying withdrawal.
• Accessibility - Content: Carousel Previous and Next button has no accessible name (KO-027)

Version 5.92 Release Notes - Production Deploy date 2023-04-06

AdviserGo

• Updated Navigation | for an advisor user | Clicking the logo from within a client will now route to client search, rather than the client Dashboard page.
• Fixed an issue with the payment of debt linked to insurance such that it is now properly displayed as Additional Payment in Year View Debt section.
• Resolved issue where Calcs cannot complete when a trust owns a whole life insurance and there is a younger spouse on the plan
• FHSA - cost basis removed, also removed transfers to a spouse RRSP, also removed Planned Withdrawals
• Corrected an issue where Transfers from other accounts into the FHSA are not occurring. For instance, client may want to transfer funds from non-registered investments to fund the FHSA. This should be treated as a withdrawal (taxable disposition) and a contribution into the FHSA.
• Corrected an instance where a term was displayed in english instead of french.
• Corrected some garbled text in Plan Facts | Trust Structure

Version 5.91 Release Notes - Production Deploy date 2023-03-23

AdviserGo

• Added a new type for Investments for Tax-Free First Home Savings Account (FHSA).
• For CA only, the buy-a-home guided what-if now has an extra step called Use FHSA.
• Corrected an issue in Plan Settings where users were not able to set percentages to zero.
• FHSA - Tax Free First Home Savings Account- functional details will be made available under separate cover
• Trusts - Other Income not being flowed through trust to the beneficiary
• Income and Dividends option added to Trust Income Distribution Income Type. This option will distribute all types of income except capital gains.
• Corrected trust taxation to use the province of the trust for income not distributed.
• Plan Facts - ACB incorrectly showing in TFSA field
• Accessibility: Avatar not receiving focus
• Accessibility: Expansion of Avatar not announced
• Estate Plan - DCPP prompt for asset distribution

Version 5.90 Release Notes - Production Deploy date 2023-03-09

AdviserGo

• Plan Notes added as a new option on the Reports screen.
• Added a more verbose message when deleting an item. From |Are you sure that you want to delete?| to |Are you sure that you want to delete {name}?|
• Plan notes created in Advisor with html are converted to markdown and visible in AdvisorGo.
• For Designated Assets in an Estate Plan, Locked-in accounts will now have a tooltip to highlight that a Spouse is entitled to the locked in plan unless certain criteria are met. Estate Plans is feature flagged.

Other Applications

• Home | Added language selector to login, registration, and invite acceptance pages in regions with more than 1 language.

Version 5.89 Release Notes - Production Deploy date 2023-02-23

AdviserGo

• For users with an integration that supports export on their subscription, for example Salesforece or Intelliflo, Plan items with a |type| select option will now display this type instead of the generic item type throughout the application. Export type options during integration export will now be filtered to only applicable options based on the plan item type.
• Users are now able to promote to the current tax year
• Plan Facts and Assumptions - STEP for charitable donation not showing
• Plan Facts - Max Contribution
• Trust Capital Distribution of Asset Liquidation proceeds is double counted
• Improvements in language specific name formatting.
• Invite + Open Registration Emails now have the ability to be translated to french, where the language toggle is available. A new toggle can be found during the creation of an invite in AdviserGo, |Invite Language|, that allows an adviser to control whether an invite email will be received in English or french.

Version 5.88 Release Notes - Production Deploy date 2023-02-09

AdviserGo

• Fact Find Report - added Net Worth Goals translation
• Corrected duplicate paraplanner name on client search screen.

Version 5.87 Release Notes - Production Deploy date 2023-01-26

AdviserGo

• Add Subscription Preferences to AdviserGO
• Improve accessibility for switch toggle inputs; will positively impact toggle label reading by screen readers.
• Employment Incomes - Add a Receive Income While Disabled toggle allowing a user to specify to continue to receive income during disability period.
• RRSP contributions appear to have a hard coded end date linked to retirement
• UI and Detailed Cash Flow report showing incorrect surplus
• Surplus Income/Savings information mismatch on UI
• Corporate Tax Details - Changes
• Corporate Taxes - Available NERDTOH and ERDTOH values should equal the RDTOH Balance
• Net Capital Loss Carryover of Corporations
• The year view corporate display has been redesigned and relevant calculations corrected. Some of the notable corrections and changes are:
  • Fields have been added for Capital Dividends and Total Distributions.
  • NERDTOH and ERDTOH Values are now end of year values and their sum should equal RDTOH.
  • Dividend Refund is now the gross dividend and will only have a nonzero value if there was a refund during the year.
  • Net Capital Loss Carryover should now be the end of year value and reflect any increases or reductions to that value that occur during the year displayed. Net Capital Loss Carryover will be incremented by annual capital loss and decremented by capital gains for the year (capital gains reduced by the carryover in that year).
• Trusts - Other Income not being flowed through trust to the beneficiary
• Adviser-> AdviserGo Feature | Legacy is now nested under Overview navigation button.
• Adviser to AdviserGo | Upside, Downside, Interest & Dividend information shown where expected average already exists.

Other Applications

• ClientGo | Now supports full date of birth with feature key.
• ClientGo | The Edit Person page will now show most owned items, and allow you to delete a person if they do not own anything.

Version 5.86 Release Notes - Production Deploy date 2023-01-12

AdviserGo

• Plan Notes now support markdown for better formatting and styling, and we have made multiple usability improvements to the rich content editor used in Client Notes.
• Itemized expenses are now validated to require descriptions with each item.
• Added plan start date to Plan Management and Plan Attestation screen.
• Corrected an issue with Trusts - Corporate dividend distributions not being flowed through trust to the beneficiary.
• updated system for 2023 Taxes
• API Documentation added to Voyant support site

Other Applications

• ClientGo | Updates to client display names to ensure consistency with recent changes in AdviserGo.
• Vault | New filter by Uploader option and accessibility improvements.
• Vault | Add validation that Document Vault is empty prior to Disabling a Document Vault enabled Consumer User.

Version 5.85 Release Notes - Production Deploy date 2022-12-15

AdviserGo

• Replaced Benefits in Kind label with Taxable Benefits on Employment screen.
• Refined the display of client names throughout the application. Family names will be formatted like so if the primary and secondary person has different last names: primaryLastName, primaryName & secondaryName secondaryLastName.
• New Expense type-Estate Expense. This draws only from funds that are either wholly or in part owned by the owner of the estate expense. If the owner has their mortality event before the end of the plan, the estate expense appears on the chart and in the year view. The Estate Expense appears in the legacy charts, under other liabilities. Estate Expense appears as a specific category in the cash flow detailed analysis report, and in the estate analysis reports, but is included in the calculations as an expense on the other reports.
• Plan Facts Report - updated to show Effective Tax Brackets when enabled.
• Newly created Employment models of type Company Owner will have a percent eligible dividend value of 0% instead of the previous value of 100%. Please Note that this is for newly created model items. Existing model items with an still have the old default value of 100% where applicable.
• Plan Facts Report - Itemized Expenses when entered on screen without a value will not show on the report.
• Plan Facts Report - Show Maximum Allowed if that option is chosen in the Contributions UI section
• Plan Facts Report - updated to show net growth rate of family RESP accounts
• Plan Facts Report - ROR corrected when multiple plans selected for report generation
• Updated Market Assumptions Upload tool to handle special characters in Asset Class names.
• Corrected Lump sum key missing punctuation in French in the Retirement Summary report.

Other Applications

• ClientGo | Fixed an issue where the import finances button would not be displayed in new plans.
• HOME | Added 2-factor login through SMS code
• ClientGo and HOME | Home and other consumer applications now support one-time passwords, both via emailed one time password or sent via SMS.

Version 5.84 Release Notes - Production Deploy date 2022-12-01

AdviserGo

• Added Only Use Preferred Payment Sources toggle to Multi-Year, Legacy and University Expenses steps.
• Fixed a bug where users could not enter 2nd decimal place 7.0x%
• Added Cashflow - Simple report
• Previously, if imported holdings exactly matched a model portfolio, this would disable the ability to edit the portfolio allocation. Now both Calculated Portfolios and model portfolios show the edit button when holdings are present.
• Cash Flow Detailed Analysis report updated to explicitly show payments from the insurance policy instead of in annual shortfall.
• The *Basics* tab of Whole Life, Disability and Critical Illness insurance types now includes an option to *Transfer Payout* to an account.
• Ability in AdvisorGo to link debts to term insurance and set pay off order.
• Added Linked Debts to Critical Illness Insurance
• Default Investment accounts for Companies can no longer be deleted unless the company also has been deleted.
• Ability in AdvisorGo to link debts to term insurance and set pay off order.
• Added Pension Transfer Simulation.
• Plan Facts | TFSA contribution Stepped to $0 doesn't show Annual Contribution
• Features from Adviser now available in AdviserGo:
  • Ability to decide survivorship of other income after owners mortality.
  • Cashflow Simple Report

Other Applications

• ClientGo | Fixed an issue where the import finances button would not be displayed in new plans.
• HOME | Added 2-factor login through SMS code
• ClientGo and HOME | Home and other consumer applications now support one-time passwords, both via emailed one time password or sent via SMS.

Version 5.83 Release Notes - Production Deploy date 2022-11-10

AdviserGo

• Updated the name label when adding company distributions from "Company Name" to "Distribution Name"
• Plan Facts Report - added itemized expenses
• Liquid Assets Detailed Report - New report which projects the value of Savings, Investments and Pensions accounts over time. Non-liquid assets such as Property are not included

Other Applications

• *Admin* Updated user search parameters to include the search for both enabled and disabled users
• *Admin* Added ability for users in a subgroup to share clients with users in their subscription who may not be in their subgroup(s)
• *HOME* Improved the look of the HOME app on mobile AND improved the look of the app as a whole

Version 5.82 Release Notes - Production Deploy date 2022-10-27

AdviserGo

• Estate Plan - Issue Liquidating assets that should rollover to spouse.
• End of Life announcement for Adviser as of Dec. 31, 2022. This is NOT for AdviserGo.

Other Applications

• *HOME* Application updated to show correct number of invitations sent
• *VAULT* Added Client Search to Vault Transfer Action.
• *VAULT* Add Restrictions to Vault Transfer to prevent mistakes from low permissioned users.

Version 5.81 Release Notes - Production Deploy date 2022-10-13

AdviserGo

• Added the ability to manually specify the Plan Start Date when creating a new plan. The start date can be any date in the current year or any future date within the existing plan before Mortality End Date. No changes to client creation via integrations.
• Disabled default mortality age in plan preferences as an input field. It is now just a reference.
• Liquid Assets Simple report added

Other Applications

• Admin Console | User Search can now show MFA status
• When inviting clients to create an account, the registration page is now branded for white-label customers.

Version 5.80 Release Notes - Production Deploy date 2022-09-30

AdviserGo

• Added the ability to enter Effective Taxes in Plan Settings
• Fixed display error on transfer pages for iPad users.
• Added enhanced validation message for major loss default age, zero value is accepted but an empty age input is not.
• Improved disabled state of major loss tab & inputs added in previous release.
• Allow users to enter/edit the default name for Trust and Corporate distributions
• Retirement Summary Report | Lump Sum Savings insight was updated to use the retirement event by default. If the insight in the UI was run with a different event prior to generating the report (e.g. Plan Start), then Plan Start will be used for the insight in the report.
• Plan Facts Report | Added end age/year for contributions
• Plan Facts | CPP/OAS Income updated to show start year of benefit
• Added ability to change email and password in the HOME application
• Expanded details on the importance of MFA in improving data security
• The Monte Carlo simulation now incorporates Inflation from Market Assumption parameters, if so configured.
• Effective tax brackets added via the Plan Settings screen. If enabled, and the total taxable value is above a threshold the entire amount is taxed at the effective rate as are withholding taxes.

Version 5.79 Release Notes - Production Deploy date 2022-09-08

AdviserGo

• Release notes are now available from directly within AdviserGo. Users will automatically see Release Notes when first logging in following an update, and further can access them anytime from within the client search page profile dropdown. Intentionally NOT enabled for Enterprise clients.
• White label subscribers can further customize their Voyant solutions to match their unique brand identity. All Voyant products now support customization of chart colors, including those in the Lets See and Asset Allocation modules as well as stage and goal progress colors.
• Added a plain language error notification when a user attempts to access a client for which they do not have appropriate permissions.
• Plan Settings | Exposed 4 preference items in the UI allowing for user entry.
  • 1. Assume Predeceased upon simultaneous death
  • 2. Show basic expense line
  • 3. Mortality Age
  • 4. Child owned accounts available in plan until age
• Plan Facts Report | Removed Glossary page
• Fixed an issue with Retirement Summary to clarify handling of Include or ExcludeTaxes.
• Plan Facts Report | Removed CPP/QPP Share and Optimize Pension Splitting from Calculation Settings. Plan Facts Report | If Optimize Pension Splitting is enabled, denote it as optimized in the report instead of showing the percentage
• Plan Facts Report | Show detailed information for share classes
• Corrected an issue with Future loan from client to corp showing as personal cash inflow.
• Fixed an issue with Cash flow reports (current year and multi-year) Corporate dividends incorrectly showing dividends paid to person outside of plan.
• Label corrected for Plan Facts report to be Plan Facts and Assumptions.
• Corrected an issue with the Plan Facts and Assumptions report where the company distribution and stepped amount was not displayed.
• Added Additional User Search And Result Fields address, address2, province in Admin User Search dialog.

Version 5.78.1 Release Notes - 2022-08-16

AdviserGo

• Fixed an issue where the app would crash during client creation if a user entered an unusually high birth year value, for example reflecting an age of 120 years. Ancillary to the fix, the Retirement Age input is now a text field instead of a drop down.
• Updated AdviserGo Plan Preferences UI to Display and allow Edit of Major Loss values.
• Improved error message when the remaining estate distribution breakdown is not 100%
• Added a UI validation to ensure that the user selects an insured person when insurance policies are owned by a corporation.
• Lump sum savings insight on the Financial Summary changed to match the Retirement Summary verbiage.
• CA enterprises requested formatting changes to Plan Facts V2.
• Corrected several issues with Detailed Cash Flow charts in reports.

Version 5.77.0 Release Notes - 2022-07-29

AdviserGo

• Added a dismissable notification banner mechanism for Voyant Admins to alert users of system maintenance and other important updates.
• Added the ability to enter uneven common share dividend payouts among corporate shareholders by using share classes.
• Add functionality to control uneven common share dividend payouts among shareholders
• Add uneven common share dividend payouts among shareholders
• Fixed switching common share ownership types after adding a step to a distribution
• Fixed switching common share ownership types after adding a step to a distribution causes calcs to timeout
• Fixed UI Owner field breaks when setting distribution to type Income.
• Fixed Income distributions do not distribute when the distribution source is a company using common share classes
• Fixed removing share classes doesn't update the total percentage correctly
• Fixed Modifying common share classes on a company that already has a distribution/distribution step, can break the distribution UI/step UI.
• Fixed adding shares to a share class with the same owner as an existing share in the share class, overrides the previous shares
• Fixed Share classes aren't required to have a unique name.

Version 5.76.0 Release Notes - 2022-07-15

AdviserGo

• Fixed an annoying issue where the UI throws a birthday validation error when tabbing through the date inputs.
• Delivered several updates to AdviserGo 2-factor authentication login, including a new setup flow, improved error feedback, and emergency code backup.
• Changed default name for Whole Life Insurance to Permanent Insurance.
• Corrected Rounding Issue in maximum benefit entitlement for Pension Adjustment.
• Provided updated verbiage for Financial Summary Report- Annual Savings Insight.
• Fixed an issue where changes to corporate common share ownership were not saving.
• Modified logic such that User entered CPP/QPP survivor benefit income items of type Currently Receiving will not be automatically reduced.

Version 5.75.0 Release Notes - 2022-07-05

AdviserGo

• Respect the language preference from one app to the entire Voyant ecosystem of apps, currently AdviserGo, HOME, Snapshot, ClientGo.
• Additional trust type display can be enabled via the feature key advanced-ca-trust-types. By default, the only type available is Inter-Vivos.
• Legacy - Value of Company Distributions not reduced by tax owing from previous year
• Plan Transfers has wrong start year displayed
• Rules for sharing of two pensions are now applied correctly when both primary and secondary have a CPP/QPP entered in plan.

Version 5.74.0 Release Notes - 2022-06-21

AdviserGo

• Property Buy Sell Rightsize goals added from ClientGo are now visible and editable within AdviserGo though not yet available to add directly in AdviserGo just yet.
• Fixed a bug where the UI was not displaying the correct portfolio name for a portfolio with holdings.
• Improved the user experience for the last distribution in an Estate Plan by removing the disabled input fields
• Stock Grants: ESO - Sell % of the shares to purchase the rest creating deficits CA-164.
• OAS - Discrepancy between OAS pensions when they should be the same CA-176.
• CPP/QPP and DB Pensions - Change Default CA-180.
• Financial Summary Report - Annual Savings Insight CA-201.
• Company distributions not occurring in year that corporate property is sold CA-203.
• Plan Facts- If All Available is selected for Transfers then Future Value and Present Value should not appear as not applicable.
• Improved chart display in reports by de-coupling the legend from the chart image. This allows for better wrapping of text and larger chart display.

Version 5.73.0 Release Notes - 2022-06-07

AdviserGo

• Financial Summary Investment Returns shows incorrect result
• Restricted the user from creating different types of trust. Only inter-vivos trust can be created now
• Removed the ability to add a Mixed Trust Structure
• Remove the option to enter a charity beneficiary percentage for a trust
• Allow the user to enter beneficiaries on a step if the trust is discretionary
• Refactor Estate report (simple version) - minor update
• Plan Facts- Show $0 instead of blank space
• Plan Facts- Planned Withdrawals with Step added
• Plan Facts- Cash Sweep Accounts (Account Type)
• Plan Facts- Transfers
• Plan Facts- Bridge Benefit amount needs frequency
• Fixed an edge condition issue where goals with negative completion percentage would display a full progress circle graphic.

Version 5.72.0 Release Notes - 2022-05-20

AdviserGo

• Corrected an issue with TFSA contribution limit increasing when Major Loss Event. It should not.

Version 5.71.0 Release Notes - 2022-05-06

AdviserGo

• Fixed a bug where zeros were always shown for a debts estate value.
• Implemented the July 2021 newly announced law regarding OAS one time payment for seniors 75 and over, as well as the accompanying benefit increase.
• Corrected an issue involving overstated net estate value when a child is designated as beneficiary.

Version 5.70.0 Release Notes - 2022-04-22

AdviserGo

• Improved the user experience by automatically setting term and whole life insurance as joint policies if the user selects more than one owner.
• Now displaying Trusts and Trust Distribution in separate section in the add menu.
• Fixed a bug where the type of a Corporate/Trust owned investment was not being displayed on the dashboard.

Version 5.69.0 Release Notes - 2022-04-11

AdviserGo

• Modified the Pension Adjustment to be correctly restricted by the annual Defined Benefit Limit.
• Corrected Liquid Asset inclusion in Net Worth calculation for reports.
• Corrected an issue with display of Custom Market Assumptions optional feature in plan settings.
• Federal LIF Maximums were updated.

Version 5.68.0 Release Notes - 2022-03-28

AdviserGo

• Removed the Taxable Distribution blocks from the Legacy Page as redundant. The distributions continue to display at the bottom of the Legacy screen where the Total Estate Transfer and the Transfers Outside of the Estate section displays.
• Modify logic in the Estate Analysis Report such that the value of a corporation is always the value before a death benefit is paid out regardless of who is assumed to pass away in the year. In situations where both spouses are assumed to pass away in the same year year, the value of the corporation shown in the Estate Analysis report is the value before the death benefit is paid out regardless of who is assumed to pass away in the year.
• Corrected an issue in handling Employee Stock Option (ESO) such that the limit is cumulative per vesting year and is not lost, considering the $200,000 limit on the amount of employee stock options that may vest in an employee in a year and continue to qualify for the stock option deduction.
• Updated search feature to allow users to search for locked clients in environments where that feature is enabled.
• Clients can now be locked from the Manage Access menu as an optional feature. Locked clients cannot be edited by anyone other than the person that applied the lock though other users can still open read-only. Only the original locker or users with elevated permissions are able to unlock a client.

Version 5.67.1 Release Notes - 2022-03-11

AdviserGo

• Corrected End Event label on AdviserGo Investment Returns Report to be Plan End.

Version 5.66.0 Release Notes - 2022-03-01

AdviserGo

• Updated the Select Goals reorder function under Report - Financial Summary page to allow user to drag and drop to rearrange goals. Note that caret icons are also clickable to reorder.
• Estate Analysis (Simple) report updated to include tax refunds for previous year
• Corrected flow for Save and Add Another event feature such that the new event is in focus.
• Corrected an issue where TFSA planned or non-planned withdrawals were not being added to TFSA contribution room in subsequent year.
• Added the Net Worth goal to Fact Find, Retirement Summary, and where applicable Plan Facts reports.

Version 5.65.0 Release Notes - 2022-02-15

AdviserGo

• Updated Estate report simple version to include corporate and estate roll-up in personal section.
• Fixed a bug where a user was allowed to enter interest and dividend rates on a Retirement Savings step.
• Corrected an issue with Transfer between TFSAs with the same annuitant treated as withdrawals and creating contribution room in following year.
• Updated the Detailed Tax Report logic such that scenario sections are populated appropriately.

Version 5.64.0 Release Notes - 2022-01-28

AdviserGo

• To support backwards compatibility with Adviser, a Cash Account balance can be edited in AdviserGo if it was changed in Adviser. This is not applicable for plans created in AdviserGo.

Version 5.63.1 Release Notes - 2022-01-19

AdviserGo

• Corrected an issue with curent year net worth report when a corporate property is bought using corporate funds.
• Corrected an issue with pension income splitting where pension income was not being split in some situations.
• Fixed a bug in Trust Income distribution so that a Trust owned Asset Linked Income should also be distributed.

Version 5.62.0 Release Notes - 2021-12-21

AdviserGo

• Added Cumulative Taxes to the Taxes Chart Tooltip
• Dates that do not exist on the calendar, e.g. February 31, are no longer permitted in full date fields, including: person birth date, new plan start date in Update and Promote flow, stock grant dates and exercised/vested dates. Update & promote now enforces that new plan start date is after existing plan start, and stock grants now enforce that vested/exercised dates are after the grant date.
• Added the ability to create Net Worth Goals via plus button.
• CA Tax rates updated per Canada Tax Info and Canada Tax Rates
• Fix a bug where the order of the goals under Financial Summary on the report does not match the UI
• Added toggle on Plan Settings, Calculation Settings to optimize pension splitting. Updated Carryover Assumptions to hide pension split fields if optimization is chosen.

Version 5.61.0 Release Notes - 2021-12-08

AdviserGo

• Addressed an issue where previously the Right Size What-If did not consistently display a validation when the user selected the Plan End event as timing.
• TFSA yield which is not reinvested is treated like a withdrawal and added to the TFSA contribution room for following years.
• Loans to people in the plan were showing in the Not displayed on chart section. They will now be included in the chart, including spousal loans. Please note that Loans payments are no longer immediately deposited in the lender's cash account upon receipt, rather they are now treated as regular credits.

Version 5.60.0 Release Notes - 2021-11-15

AdviserGo

• Added more validation messages on the Dashboard where needed, especially for server side validation which was not being passed through.
• Clicking the Change Market Assumptions button in an obsolete market assumption alert will automatically change the plan to use the suggested assumptions.
• Added filter for Link to Existing Debt such that only properties not linked to another debt are displayed, as a debt can only be associated with a single property.

Version 5.59.1 Release Notes - 2021-11-02

AdviserGo

• Introduced new UI for the Reports Screen to add the ability to save multiple report sets.
• Change the default Lump Sum simulation event to plan start.
• Added an event selector to the Retirement Spending simulation. This will allow the user to choose the retirement event to run the simulation.
• Updated the integration flow so OAS, CPP, and DBP appear in the update flow only if Currently Receiving Benefits.
• Provincial charitable donation non-refundable tax credits are now properly used in the calculation of provincial surtax to reduce surtax in applicable regions.
• Updated Estate Detailed Report with additional fields found in the UI- Fed/Prov Non-eligible Dividend Tax Credit and Refundable Tax Credits, and Corrected Provincial non-eligible dividend tax credit value in report.

Version 5.58.0 Release Notes - 2021-10-18

AdviserGo

• Taxes Detailed Report now available for all regions (feature flagged).
• Corrected a discrepancy due to Tax Credits in the Estate Analysis Simple Report on the Legacy page in the Total Tax at the page bottom vs. total Tax Liability in each person’s detail
• Added a translation for the word Transfers in the UI and in reports.

Version 5.57.0 Release Notes - 2021-10-05

AdviserGo

• Fix a bug where the UI is not showing the correct number for Non-Refundable Tax Credits in Legacy.
• Fix an intermittent bug where a home user is asked to create a client when they already have a plan.
• Added alternate Net Worth report.
• Charitable distributions left via an estate plan are now used in the calculation of provincial and federal charitable tax credits.
• Unclaimed charitable donations are now available to the spouse or common-law partner in the year donated or in the previous five years.

Version 5.56.0 Release Notes - 2021-09-20

AdviserGo

• Corrected an issue wherein estate report options for spouse was showing up for plans without a spouse.
• Added a cyclical retry to the report status flow to reduce the incidence of invalid timeout message in UI.
• Corrected an issue with OAS calculation when Client elects to start receiving OAS passed age 65.
• Modified logic to deduct only the enhanced portion of CPP for calculating the max limit for donation tax credit.
• Corrected an Estate Analysis (Simple) report issue where some results were not shown in the final year.

Version 5.55.1 Release Notes - 2021-09-13

AdviserGo

• Refreshed the UI design for Defined Benefit Pension
• Legacy and Simple Estate Analysis Report the loan to corporation was not properly reflected where there were little/no corp. investment account
• The ability to enable or disable the growth option on the Cash/Savings screens were incorrectly governed by Grow all investment and retirement accounts using asset allocation. Now corrected to use Grow cash account using cash allocation.

Version 5.54.0 Release Notes - 2021-08-31

AdviserGo

• Updated Bridge benefit calculations
• Corrected an issue where RRSP Spousal contributions were being tied to owner's income instead of contributor's income

Version 5.53.0 Release Notes - 2021-08-14

AdviserGo

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Version 5.52.0 Release Notes - 2021-08-12

AdviserGo

• Corrected an issue with minimum withdrawal calculation where it was using incorrect spouse age when use spouse age option is set to true on locked in accounts.
• Corrected an issue where the LIF Annual Maximum payment amount was calculated using the client's age attained in the year when it should be using the age at the beginning of the year.
• Corrected Estate Analysis report to show estate value of mortgage instead of total value.
• Adjusted the New Brunswick 2021 tax rates so the lowest rate is 9.4% rather than 9.68%.
• Reports | Add Current Year Cash Flow to core report set
• Reports | Add Multi Year Cash Flow to core report set
• Reports | Switch out Balance Sheet report

Version 5.51.0 Release Notes - 2021-08-03

AdviserGo

• The timing alert should reflect the age/year edit of an event.
• Cumulative Taxes added to the detailed year view. Cumulative details include:(CA)Income Tax, Capital Gains,Additional Tax, Tax Credits
• Updated distribution logic in Estate Plans. Ensured:
  • Distributions to a Non-Legal Partner is considered as Taxable Distribution (Spouses are considered as Non-Taxable Distribution)
  • Creation of an estate plan with a non-legal partner sets the default 100% to the non-legal partner
  • A single persons Estate Plan with no Spouse/Non-Legal Partner in the plan, defaults to 100% to Others
  • If there are no other people in the plan, the estate plan will default 100% to Person outside of the plan
  • If there are other people in the plan (child, grandchild, parent, etc), no defaults are added, and force one to specify the distribution breakdown.
• Plan Facts Report - removed the /year notation for items which are one time inflows.
• Stepping up/down the growth rate on stock grants now properly adjusts the stock price.
• Amount of dividend income available to be paid out is reduced by the tax liability from the previous year.
• Corrected the calculation of the claimable donation amount. Previously, all the taxes were deducted from the taxable income, now, only the CPP/QPP income is deducted resulting in higher claimable room.
• Updated the calculation of the federal donation tax credit, using the highest federal income tax bracket for 2021 ($216,511) and indexing for future years.
• Quebec and British Columbia charitable donation credits calculated using the highest tax rate bracket for 2021 of 25.75% and 20.5% respectively
• Income distributions that are available to be paid out are limited by other expenses that occur in the corporation.
• Replaced generic terms for people in the plan (like primary and spouse) with specific client names.
• Added breakdown of Non-Refundable Tax Credits to the year view.
• Dividend distributions now being reduced by previous year tax liability prior to payout.
• Added Trust owned items to the Plan Worth charts.
• Added distribution breakouts in flow charts and distribution details to the Estate Analysis Detailed report to match recent updates in the Legacy tab.

Version 5.50.0 Release Notes - 2021-07-13

AdviserGo

• Updated the validation message for Carryover Assumptions to be more precise, as Split percent can only be less than or equal to 50%.
• Tax brackets for Alberta, Nova Scotia and Prince Edward Island are no longer indexed.
• Corrected an issue where the payment amount did not reflect a change when using steps to change the payment amount on a liability that was originally set as interest-only payment.
• Tax brackets for Alberta, Nova Scotia and Prince Edward Island are no longer indexed.
• Corrected recognition of capital gain on assets designated to non-spouse using asset designation feature.

Version 5.49.2 Release Notes - 2021-07-08

AdviserGo

• Editable stages added to the timeline. Recurring expenses, goals, contributions, or even periods of ownership for properties can be set by creating a stage in the timeline. | Details
• Estate item designation added | Details
• Added ability to save a frequently used set of reports. The report sets are saved locally on a per user account, per browser basis | Details .
• Incomes, savings, investments, annuities, and pensions are now payment source options for debts and expenses.
• Asset allocation and beneficiary amount values greater than 99.9% and less than 100.1% are now allowed.
• Updated Balance Sheet Report to use beginning of year values
• The real money 'tool tip' was labelled 'from Plan Preferences', which is a holdover from Voyant Adviser. It should state: 'from Plan Settings'.
• Transfers from TFSAs now added to the following year's contribution limit.
• LIF/RRIF Minimum withdrawals are now based on the annuitant’s age as of December 31st of the previous year, versus the age attained in the current year.
• Capital losses from redemption/sale of non-registered investments/properties were not properly added to the capital loss carry forward balance in future years.
• Removed the Person Type line from the Plan Facts report.
• Added display of detailed distribution information in the legacy tab and chart details view.
• Corrected an issue with doubling TFSA room in subsequent year after a transfer is made from TFSA to Savings.
• Updated detailed legacy screen to more clearly show asset distribution.
• Corrected a situation where the UI did not indicate that deletion of a person is disabled because that person owns events.

Version 5.48.2 Release Notes - 2021-06-22

AdviserGo

• Variable Annuity - Added a Capital Balance field for cost basis input
• Plan Facts Report - Certain accounts were showing contribution dates despite not having a contribution.
• Plan Facts Report - ROR on steps not correctly shown in report
• QC withholding tax - corrected for RRIF/RRSP withdrawals above the minimum
• Corrected an issue with Tax Expense being fulfilled by accounts other than income first. Now will try to fulfill Tax Expense from income accounts before moving on to other accounts.
• Reverted change to QC holding rates to previous rates of 20, 25, and 30 percent.

Version 5.47.1 Release Notes - 2021-06-08

AdviserGo

• Corrected step contribution options to contain all of the parent model options as appropriate.
• Introduced the ability for a user, with appropriate report-on-behalf-of role, to be presented a cover page option when producing a report where they may select from a list of users with access to the current client by which the user profile information displayed on report cover page will be populated.
• Fixed a bug that allowed the user to save a dividend distribution without selecting a distribution source.
• The fee rates for Annuities, Savings, Investments and Retirement Savings accounts will now show on their respective screens. Users will have the ability to not only update the default fees in the Plan Settings screen, but also at the individual account level. Newly created accounts and existing accounts will use the Plan Settings default fee rate. The Plan Settings default will only change the individual account fee rates if they have never been altered by the user.
• Removed Purchase of a House from the Milestone Goal description.
• Added a warning message when a trust capital distribution has a beneficiary who does not have a taxable investment account to receive the capital distribution.
• CA now set to use inflation rate for Real Money calculation rather than RPI.
• Corrected an issue where the combined CPP retirement plus survivor benefit exceeded the maximum CPP retirement benefit.
• Made a UI change so that we display the Start Age field for CPP recipients Currently Receiving Benefits.
• Corrected a UI issue for CPP when type equals Currently Receiving Benefits we did not suppress the input field for Benefit at Age 65.
• Fixed a situation where Corporate Cash Flow was showing on the Personal Detailed Cash Flow report.
• Updated the Canada Tax calculations such that the Personal Exemption is not applied to a Trust.

Version 5.46.0 Release Notes - 2021-05-18

AdviserGo

• Added Real Money option for CA and US for all charts in the app, and many reports including Estate Analysis Detailed, Cash Flow Analysis, Net Worth, Assets Simple, Assets Detailed, Expense, and Debts Detailed.
• Added Balance Sheet to the report suite.
• Corrected missing translation for Disability event on the Event Report.
• Added Feature Flag for Special Events.
• Future Loan between client and co-client incorrectly stated on Detailed Cash Flow Report.
• Insurance policy gain now shown under Interest or Other Income.
• Plans with employment incomes starting and ending within the same year caused calculation errors.
• Modified display logic such that the automatic mortgage repayment occurring after a property is sold now appears on the chart. It was in the Not Displayed on Chart section.
• Corrected a UI issue where the cost basis was mistakenly shown in the contribution column of the chart year view.
• Updated logic to include the capital gain on a Trust distribution deposited to the default cash account as taxable in the year the distribution occurred.

Version 5.45.0 Release Notes - 2021-05-11

AdviserGo

• Corrected UI logic to allow orphaned events that were once tied to a step that was subsequently deleted to be deleted as well.
• Added a validation message to be displayed when a CA Retirement Savings type is RRSP Spousal, the contribution type is percent of income or max, and there is no spouse in the plan.
• Updated Save and Add another UI logic such that a new Education event is automatically created when using Save and Add another for an Education Goal.
• Corrected an issue preventing delete of a manually added retirement special event.
• Identified and corrected two issues with adding a trust distribution via the Trust modal wherein the Payment source is not displayed for a newly saved Trust, and an event validation is fired improperly when the event exists.
• Corrected an issue with display of Events icons for Special Events on reports.
• Addressed a latency issue with a model not displaying a new special event on the dashboard accordion without refresh.
• Special Events are now available to be added via the + button on the timeline

Version 5.44.0 Release Notes - 2021-04-19

AdviserGo

• Added Fixed Annuities and Variable Annuities for CA
• Enhanced usability with alerts on exceptions, especially as regards the forthcoming Monte Carlo simulations which can be long running depending on the selected number of cycles.
• Added back the UNMARRIED_PARTNER person type for Canada, called Non-legal Partner. The list of person types is now Primary, Spouse/Common Law Partner, Non Legal Partner, Child, Grandchild, Parent, Other.
• Added a descriptive message to the Estate Analysis report if primary and secondary are Non Legal Partners to indicate that the report cannot be generated with a non legal partner in the plan.
• Corrected an issue with translation of title, description, and labels in the Estate Analysis simple report.

Version 5.43.0 Release Notes - 2021-04-05

AdviserGo

• Updated UI with Save and Add Another functionality on certain pages when using the + button where repetitive data entry is likely.
• Replaced basic/leisure/luxury approach to goal priority with selector that will allow user to pick the priority for the expense using scale of 1 to 10, with 1 representing most important level and 10 least.
• Added a Goal Priority Analysis insight option- additional detailed information forthcoming.
• Added Debt Sweep Options to Cash Sweeps
• Removed default last name when adding spouse manually.
• Added a new privacy mode toggle to the client list preferences screen such that a list of other clients is not inconveniently displayed during a client presentation session.
• Suppressed the Estate and Corporate rollup section on the Legacy tab if there are only personal assets.
• Added the ability in white labels to set expense naming and ordering.
• Refactored scale of Estate Report flow charts to reduce number of pages.
• Added Cash sweep to Debts and Lines of Credit such that selected Debts are the primary sweep targets and selected savings accounts are subsequent (when the selected Debts are paid off).

Version 5.42.0 Release Notes - 2021-03-23

AdviserGo

• Fixed the behavior of the Cancel button in the Add Event flow; it now cancels any update made to the event being added.
• Added a Number of Iterations control slider to Monte Carlo process; only visible if monte-carlo-iteration-controls feature is enabled, off by default.
• Updated UI to hide the Allow Early Exercise option for stock grants to comply with CA law regarding unvested options.
• Made several adjustments to the Stock Grant feature including
  • Future Strike Price calculated by growing the stock base price rather than the strike price of the first grant
  • Stock Liquidation proceeds now categorized as Employment Income
  • Added the Stock Grant name to the stock liquidation credit
  • Modified the stock option deduction rate for certain situations for Quebec province.

Version 5.41.0 Release Notes - 2021-03-09

AdviserGo

• Added the ability to change Market Assumptions in a Plan
• Fixed several miscellaneous visual bugs for alignment of the event selection field on steps, and timing tabs, and inline event selections.
• Removed liquidated dollars from the end of the year total for stock grants.
• Added trust and trust distribution models to the UI
• Made a small change in the manner that we calculate and populate the year tax details table for Stock Grants- now using the Start of Year price rather than the End of Year price to better reflect the presumed timing of Vest/Exercise/Liquidation.
• Added automatic sweep of partial share value remaining from Sell Percentage to cover Stock Option exercise, as the application trades in full shares only.

Version 5.40.0 Release Notes - 2021-02-23

AdviserGo

• Corrected a dependency for proper UI handling of the customize option for Estate Analysis- Detailed Reports (to allow more granular Estate Report selection).
• Added support for subsequent stock grants in the Stock model under Future Grants.

Version 5.39.0 Release Notes - 2021-02-08

AdviserGo

• Added the ability to select which estate scenarios are included in the detailed estate report. NOTE: the details tables for each scenario may be toggled on or off.
• Added the ability to compare plans in a list view. Find complete information here.
• We corrected for an error situation that was occurring when a user selects a province for locked in plans that are under federal jurisdiction. We will override the selection and use federal values instead.
• Corrected an issue in what if scenario with taxes on DB survivor pension income when pensioner life expectancy is moved to be earlier than retirement age.
• We will now allow CPP contributions to happen when client is below age 65 and receiving benefits
• Corrected a discrepancy with the surplus figure provided on the Detailed Cashflow report vs. that displayed in the UI.

Version 5.38.0 Release Notes - 2021-01-25

AdviserGo

• Added a simplified Estate Analysis report to core.
• Improvements to the UI loading state during report generation- Added the report loading state to additional views; added a meaningful success message which includes the client name and a link to recent reports.
• Improved the model portfolio slider slightly by adding a pip or tick mark indicator to each index of the slider.
• Modified session warning to occur earlier, now five minutes prior to end of session (system timeout).

Version 5.37.0 Release Notes - 2021-01-11

AdviserGo

• System Security Updates

Version 5.36.0 Release Notes - 2021-01-11

AdviserGo

• Updates in Corporate functionality:
  • Implemented corporate ERDTOH and NRDTOH to ca-company model Basics input screen as well as Year View company details screen.
  • Reflected ERDTOH and NRDTOH in reports as appropriate.
  • Corrected net worth roll-up of companies owned by companies.
• Updated maximum annual amount of income paid in 2021 for LIF, RLIF based on legislation
• Corrected two typos on Assets (detailed) report wherein a space was missing in "fiveyears" and "accounts,and".
• Consolidated duplicate rows with non-overlapping data on Detailed Cash Flow Report- one row was through retirement, and a new row represented post-retirement, now a single row.
• Improved integration flows to better update holdings, including presenting User with dialog for holdings where data could not be retrieved and subsequent ability to look up and map those holdings.
• Default Asset Allocation module added to Plan Settings. Users will have the ability to update the default allocation which is applied to new investment and pension models. Find complete information here.
• For users that manage their own profile, send email to both old and new email address upon change.

Version 5.35.0 Release Notes - version not deployed

Version 5.34.0 Release Notes - 2020-12-18

AdviserGo

• Added comprehensive Stock Grants feature for CA and US. Feature Key is "stock-options".
• Regularly recurring lump sum expenses and goals can be set using a combination of start and end events and the special Expense Frequency setting on the Timing tab allowing for frequencies such as every 5 years. This NOTE added retroactively Jan 12, 2021.
• 2021 Tax and other figure/rate updates
• Deployed limited styling accessible report option designed for screen reader use
• The Asset Allocation chart on the main dashboard screen has been enhanced:
  • added the pie chart view as the default for core voyant (which shows the assets by type based on the beginning of year net worth chart data).
  • allow the user to switch to the investment asset allocation element.
  • allow enterprises to customize which is shown by default.
• Added a Stock Grant Model
• NOTE- Effective January 01, 2021, Voyant will end support for Internet Explorer. This means that IE is not on our supported browser list, but we are not actively blocking use of IE.

Version 5.33.0 Release Notes - version not deployed

Version 5.32.0 Release Notes - version not deployed

Version 5.31.0 Release Notes - 2020-12-07

AdviserGo

• New chart design for all insights.
• Added Plan Worth chart display option
• Added an additional insight for Monte Carlo
• Changed the net worth asset categories to match the categories displayed in the asset chart.
• Fixed issue where debts owned by non-primary persons would decrease net worth. These records should now only decrease plan worth and be featured on balance sheet. Debts owned by primary persons still decrease net worth.
• Updated Historical Data Set for US, CA, and AU to use S&P 500 data through 2019.
• Updated and Corrected several Canada rates (please contact us if you require additional detail):
  • 2021 Federal and Provincial Income Tax Rates
  • 2021 Federal and Provincial Income Tax Brackets
  • 2021 Corporate Tax Rates Federal and Provincial
  • 2020 Updated Dividend Credit Rate for QC from 11.9% to 11.7%
  • 2020 QC Added highest tax credit rate of 25.75%
  • 2021 Federal and Provincial Corporate Active Income Tax Rate General

Version 5.30.0 Release Notes - 2020-11-16

AdviserGo

• Added a new option in Preferences called "Show Dashboard Let's See" to toggle the main dashboard chart on and off.
• Corrected a timeout issue that could occur during report generation when there are a large number of accounts entered in the plan.
• Added Insurance Cash Value to the Balance Sheet Report, unless surrender amount for that year is $0 or the insured dies.
• Corrected a chart timeout issue encountered when a spouse owned company owns an estimated whole life policy with the spouse as the sole beneficiary.
• Fixed an issue when adding an insurance policy and naming a charity as beneficiary where the charitable tax credit was not properly claimed
• Added missing growth rate in Education Summary report
• Updated the Net Worth Detailed chart to show the assets by tax type (registered, non-registered, and tax free ) individually instead of all grouped in the "Investment Assets" category. This change will be reflected in the Net Worth report.
• Restructured the Balance Sheet Report with the following changes:
• Jointly held asset values are split evenly between the owners;
• Family & Trusts column now has items belonging to others in the plan;
• Spouse and Family & trust columns only appear if the spouse or other people in plan have an asset or liability;
• Properties are in the other assets category.
• Updated several Corp tax rates and values:
• NS corp active income tax rate smb from 3% to 2.62%
• NS Corp Active Income tax rate (general) from 16% to 14%
• MB Corp sm business income limit from $450,000 to $500,000
• Updated Several Tax values for Canada:
• Federal + YT Basic Personal Amount increased from 12,298 to 13,229
• NS Personal Amount from 8,481 to 11,481
• YT Dividend credit rate from 12 to 12.02%

Version 5.29.0 Release Notes - 2020-11-03

AdviserGo

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Version 5.28.0 Release Notes - 2020-11-02

AdviserGo

• Added LIRA and LRSP retirement savings types to be target for planned withdrawals.
• Net rental income is now used in the calculation of RRSP contribution room. The rental property's linked income must have the "Is Earned Income" value set to "Yes" for that property's linked income or expenses to be included in the RRSP contribution calculation. The rental property's linked expenses and mortgage interest will only be deducted from rental income if the expense is set to "Tax Deductible" value "Yes". A negative net rental income will not reduce RRSP contribution room.
• Updated tax rates, thresholds, and other items to 2020 published values.
• Other Income Items with Type 'Income' and Tax Status 'Taxable' will now have an additional Yes/No input, "Is Earned Income" (default value = no, and all existing plans will be set to no). ONLY Other Income that has been set by the user to have an "Is Earned Income" value of "Yes" will be used to increase RRSP contribution room. This applies to all Other Income including Linked Income values- Ex. Rental Income.

Version 5.27.1 Release Notes - 2020-10-19

AdviserGo

• Added details for RESP and RDSP sub-accounts to the Go chart yearly details view.
• Added feature that small business passive income should reduce the small business deduction on active income.
• Added a new historical insight simulation to Adviser Go. Find complete information here.
• Updated federal locked in max early withdrawal percentages to be in line with 2020 legislation for ages 20-49.
• Added functionality for downloading report data and images associated with a given report package (default=turned off).

Version 5.26.0 Release Notes - 2020-10-19

AdviserGo

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Version 5.25.0 Release Notes - 2020-10-05

AdviserGo

• Addressed an issue wherein a field is populated with a default english value after a different language is selected.
• New "Administration" link added to the user menu allowing access to the Admin Console application.
• In certain cases corporate distributions were inadvertently being saved to cash sweep accounts.
• Regression from update to model defaults, CPP growth rate was incorrectly shown on the UI.

Version 5.24.2 Release Notes - 2020-09-21

AdviserGo

• Updated logic such that the profile view on the main dashboard, as well as from the the clients list, is now editable.
• Addressed an issue when insurance proceeds are used to pay a tax- the insurance proceeds were counted in income twice.
• Updated federal locked in max early withdrawal percentages to be in line with 2020 legislation.
• Users will only be allowed 2 active web sessions at any one time. If they login while 2 sessions are active, the oldest will be invalidated. If they attempt to use that session, it will require re-login.

Version 5.23.0 Release Notes - 2020-09-08

AdviserGo

• Added interest only payment option to Line of Credit
• Visual enhancement in Compare Plans where items in the charts have the same color if they have the same name.
• Added an Update Timing link to help with user behavior when adding a record that has a recurring action (that does not also have default timing) to combat the error return of "A start and end event are needed when using contributions" for example.
• Corrected a minor discrepancy on dashboard with respect to number of goals met vs. percentage of progress where a goal with progress greater than 99% would display as 100% yet not be included in the number of goals met.
• Renamed the field previously titled 'Current Salary' for employment steps to 'Salary'
• Filtered Cash accounts out of Planned Withdrawal Account lists
• Corrected the Year View for situations where only one year of calculation data is available.
• Removed the Withdrawal Limit tab from the cash account steps.
• Corrected the displayed result where if the user adds 100% as the contribution rate above and/or below YMPE, Taxable Income is $0 rather than a negative value.
• Made a correction for calculating RRSP Withholding- now handling with a single rate applied based on the total amount withdrawn in the year; was treated as a marginal rate applied at the threshold level previously.

Version 5.22.0 Release Notes - 2020-08-14

AdviserGo

• Usability Improvement: Clicking the plan name from the main navigation will now show a dropdown list of the current plan family where one can easily switch to a different plan.
• All the tooltips on the charts in adviserGo can be locked/unlocked on click anywhere in the chart. NOTE this IS NOT enabled for touch devices.
• Corrected an issue where the payment frequency was not persisting after switching goals.
• Itemized expenses in What If Plans updated to inherit from Base Plan unless the What If itemized list is changed by the user at which point the connection with the Base Plan itemized list will be severed.

Version 5.21.0 Release Notes - 2020-08-14

AdviserGo

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Version 5.20.0 Release Notes - 2020-08-10

AdviserGo

• Corrected a missing internationalization key issue on Corporate Valuation Report where Net Worth title was displayed as report.charttype.networth.
• The zoomed-in view of a given stage or selected timespan (the time zoom) will now persist between the changes in chart types on the Dashboard, Let's See and Dual Charts.
• Corrected an issue with the Cash Flow Detail report wherein the Allocated To Savings figure could incorrectly contain another amount (e.g. a value that should be Tax Relief display in Allocated To Savings).
• Insurance premium input fields now show additional frequency options.
• Debt details can now be seen in year view which shows the split between interest and principle paid
• Additional client details now show province / country and primary / spouse ages.
• Added additional premium entry options for Insurance products where applicable. Users can now choose to add their premiums as monthly, yearly, weekly, biweekly, semi-monthly, quarterly and semi-annually.
• Updated the corporate term life insurance policy such that when it is paid into the corporation upon death of insured, it properly generates a CDA value.
• Added age and location of the client(s) to the client details dialog.
• Fixed a minor display issue on the Estate Report where apostrophes were not displayed at end of plan owner name prior to "s" to indicate possessive (e.g. John's, Mary's).

Version 5.18.1 Release Notes - 2020-07-31

AdviserGo

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Version 5.18.1 Release Notes - 2020-07-27

AdviserGo

• Production Release of Refactored Charts
• Added more detail (Dividend Income for example) to AdviserGo Fact Find report Income section
• Updated Steps to get defaults for various properties such as bonuses and dividends from the "parent" item.
• Added an error for Lump Sum and Annual Savings insights when the user chooses mortality as the event.
• Financial Summary Report updated to show an error if mortality is the chosen event for a Lump Sum or Annual Savings Insights.
• Removed the option to select an end event for Annual Savings Simulation that occurs at the plan start year or the plan end year; also Removed the option to select an end event for Lump Sum Savings Simulation that occurs at the plan end year.
• Corrected an issue where shareholder loan payments were doubled when there is also an unfulfilled purchase in the same year.
• Corrected an issue where a corporate loan payout with a start of year payoff caused a timeout error.
• Fixed issue where the taxation field for a linked income (to a corporately owned asset) did not populate the passive/active field until the user re-entered the screen a 2nd time.
• Fixed an issue where changing the account type from an LRSP to LIRA would lock the province field.
• Advisors now have the option to see additional clients details in the client view on Go by clicking on the three dots (ellipsis) to the far right of the client view. Details including the name of the advisor who created the client, the date the client was created, the name of the advisor who last modified the client, the date the client was last modified and the names of the primary client and spouse are available.
• Removed defaults for DB Contribution above and below YMPE which allows users to set as they prefer.
• Updated Education Summary report so that RESP is not a requirement for generating the report.
• Added Insurance benefits to the Detailed Cashflow Report

Version 5.17.0 Release Notes - 2020-07-20

AdviserGo

• Initial release of Refactored Charts [this release did not go to Production]

Version 5.16.0 Release Notes - 2020-07-13

AdviserGo

• Added section subtotals to the Fact Find report (AdviserGo).
• Fixed an issue where one time payments scheduled on debt won’t show up in the additional payment section in the UI.
• Add logic to prevent auto SSO follow through after UI session timeout directs user to the login page (to prevent automatic looping login situations).
• Addressed the need for Other Income input to have multiple owners
• Fixed an issue with Loan payment amount information in UI when there are multiple loans in the plan.
• Accessibility - Added aria-current and aria-expanded attributes where appropriate so screen readers announce a page tab or different sections in the pate.
• Implemented an infrastructure update to better handle fonts, styles and svg images in PDF reports, particularly when opened in MS Word.

Version 5.15.0 Release Notes - 2020-06-29

AdviserGo

• Changing the owner of a new goal updates the default events with the appropriate time window. Also retirement validations for new models now only fire if the owners hold retirement events.
• The Investment Returns simulation now has a configurable threshold for white label customers. If the threshold amount is breached, a message is displayed to that effect.
• Update the simulation UI view to show a conditional warning message from the calc response
• Allow adviserGo users to edit the Display Name value in their user profile. This is used in reports if non-empty in lieu of the First and Last Name, provided there is no overriding Team Display Name.
• If no client language is available, default the report display language to the current display language of the user.
• Employer Contribution Type "Fixed" now has the option for inflated amounts. These values will be inflated using the same calculations as inflated individual contributions.
• Contributions previously labeled as "Fixed Amount" are now labeled "Amount". These contributions will no longer be inflated based on step start date or contribution start date after plan start. "Fixed Dollar Amount with Inflation" and "Fixed Amount with Inflation" labels have been changed to "Amount with Inflation" and functionality will remain unchanged.
• Update Retirement Spending Insight to exclude corporate insurance premiums
• Added bridge benefit functionality to the "Use Pension Statement" option.
• Added a new role in the Admin Console, which when applied to a user, disallows the deletion of a client by that user.
• A CPP income sharing will not take place if either partner is under 60 years of age. If the option for CPP Split is set to true, the split will happen when there is CPP income and both parties are at least 60 years of age.
• Updated Assumptions report to show CPP/QPP COLA Rate
• Interest paid on a spousal loan is now calculated as a tax deductible expense and will be subtracted from the borrowing spouse's taxable income.

Version 5.14.0 Release Notes - 2020-06-15

AdviserGo

• Improved rendering of some uniquely french characters on reports
• Updated the French version of the Loss Capacity Report with improved translation
• Removed payout in year of conversion option for RRIF anf LIF
• Added toggle option for LIF accounts- Payout Minimum Withdrawal at the Beginning of the Year
• Added CA bridge benefit support.
• Improved handling of locale with respect to report generation in appropriate language
• Corrected the omission of a space between name and age in some chart views.
• Made error messaging for integration import more specific.
• Removed the update option from the plus button for 'what if' plans- it is not an allowed action.
• Corrected two issues with Recent Reports listings regarding ability to download again or to save
• Added capability for Users that have multiple languages available for a client to pick the desired language for the report. If a language has already been set at the client level, the report language selector will default to that client's language.
• Improved integration management to prevent updating of locked/attested plan
• Addressed an issue with process when completely changing a user's team membership and default team, added support to change a user's username via the bulk user update mechanism.

Version 5.13.0 Release Notes - 2020-06-01

AdviserGo

• Corrected an issue where Legacy Expense to Child was reduced by RRSP withholding tax when funded through RRSP
• The beneficiaries field for personal or joint Term & Whole Life Insurances now updated based on Joint Payout Type selection. If first death is selected, "Surviving Spouse" is listed under Plan Members. If second death is selected, anyone outside the two spouses can be selected as beneficiary.
• For DBPP - Added a new toggle named "Age plus Service Reduction Applies" exposing year of service cap to the UI and enabled user entry. If toggle is off, "Age plus Reduction rate", "Normal Age Factor", "Years of Service Factor" are hidden.
• Provided ability to require report generation prior to attestation.
• Added approval/Attestations to user client activity. Remove 30 day and 90 day stats in favor of this month, last month. Add to UI drilldown select boxes for subscription and subgroup.

Version 5.12.3 Release Notes - 2020-05-18

AdviserGo

• Enforced validation on Steps if base timing is not specified.
• Added handling of Quebec specific Pension income splitting.
• Differentiated Quebec DB splitting start age (65) from Federal (pre-65).
• Display of LRSP Withdrawal section.
• Only taxable "other income" of type "income" is used in calculating the RRSP limit.
• Corrected an issue where RDSP Government Bond was dependent on contribution; now the bond is always generated regardless of contribution.
• Corporate Owned Chequing, Savings and GIC accounts may now be deleted.
• Fixed an issue where Children’s cash accounts were used to fund expenses owned by the primary and secondary client.
• Remedied an error in the Chart Details Tax tab where the DB Pension contribution amount was mistakenly added to RRSPC contributions rather than being reported separately.
• CPP/QPP, ECPP and EI non refundable tax credits and tax deductible expenses have been added to Voyant calculations.
• Corrected an issue with Rate of Return on Investment Returns Insight.
• Fixed an issue where Other income was showing up as Employment Income in chart and detailed data.
• The salary multiplier input for term life insurance has been changed from a percentage to a decimal number allowing for inputs such as 1, 1.5, 2.
• The "fixed dollar amount with inflation" for employer contributions in DPSP has been temporarily removed.
• While importing data from Intelliflo, AdviserGo now suggests what Intelliflo expenditures and accounts should be skipped and not added to a Voyant plan.
• Users now can have Spousal RRSPs on single client plans.

Version 5.11.0 Release Notes - 2020-05-07

AdviserGo

• Added Primary and Spouse ages on the Detailed Cash Flow report
• Minor layout update to Financial Summary report
• Added ability to indicate a Loan one time payment is at the beginning or end of the year
• Corrected an issue where future loans which get changed to an existing loan caused a calculation error.
• Enforced a rule so integration updates only occur on the base plan.
• For taxable accounts which allow for multiple owners, the "Percent of Income" contribution option now includes eligible incomes for all owners on the account.
• Corrected the display of two-step code field in client registration process
• Cash sweep contributions to RRSP accounts now result in the appropriate tax deductions from income.
• Taxation on Disability Insurance set to non-taxable.
• Updated Taxes Detailed report to be inline with latest core features.
• EI witholding for self employed individuals no longer includes employer portion.

Version 5.10.0 Release Notes - 2020-04-27

AdviserGo

• Corrected timing of corporate owned life insurance payouts and the evaluation of corporate values immediately after insurance payouts
• Corrected corporate owned asset valuation during beginning of year estate calculations
• Updated age validation on TFSA account to allow 18 year old owner to own the account
• Corrected an issue with defined benefit pension contribution not being fulfilled
• Corrected an issue with Events report where special character in the event name would cause report failure
• Corrected an issue with preferred shares being incorrectly paid out on death as dividend
• Added ownership validation on CPP where a plan member can have at most 2 CPP plans
• Added ownership validation on OAS where a plan member can only have one OAS plan
• Updated QPP and EI contributions to use year 2020 values
• Various other UI improvements

Version 5.9.0 Release Notes - 2020-04-09

AdviserGo

• Corrected an issue where corporate loan payment would show up in cashflow chart
• Improved Update and Promote flow by dividing the flow in two parts. Promote part of the flow will promote the plan and then Update flow will give users option to update plan items
• Added Province and Federal options for DCPP pension
• Corrected an issue with ownership of RDSP accounts
• Corrected an issue where click on Update Holdings would not work
• Took out frequency label from Term Insurance salary multiplier field
• Various other UI improvements

Version 5.8.0 Release Notes - 2020-03-26

AdviserGo

• Corrected an issue with RESP withdrawal taxation
• Added Pension Adjustment to DB Pension type Public
• Corrected an issue with Assumptions report generation
• Made several accessibility improvements
• Various other UI improvements

Version 5.7.0 Release Notes - 2020-03-12

AdviserGo

• Added Recently Reviewed Reports functionality to keep track of all recently generated reports
• Added a link on Report page to show all recently generated reports
• Added a filter by plan names on recently generated reports screen
• Added sort feature on report creating time on recently generated reports screen
• Added download link on recently generated reports screen to download already generated reports again
• Added capital gains relief option for business and farm properties
• Added a progress spinner on report generation page
• Corrected an issue with report generation for plans having special characters in the plan name
• Corrected an issue with legacy expense where chart showed shortfall despite availability of funds
• Corrected an issue with Update and Promote flow by removing invalid items that do not fall with in the new timeline of the plan
• Corrected an issue where TFSA could not be transferred in to RRSP
• Corrected an issue with additional payment of line of credit where it was not being included as an expense
• Various other improvements to reports

Version 5.6.0 Release Notes - 2020-02-27

AdviserGo

• Added Dividends and Bonuses to Fact Find report
• Added icons to indicate ownership of goals, accounts, expenses, etc. Hovering over the icons will show the owners
• Corrected an issue where carryover tax assumptions were not saving when the pension split is set to 0
• Updated a property's linked liability to be paid when the property is sold to avoid an extra year of interest
• Disallowed legacy expenses from creating a deficit on the charts despite availability of funds
• Disallowed Planned Withdrawal & Transfer transactions between a corporation and personal accounts and cashflow
• LRSPs now allowed to be converted at any age, previously, limited conversion age to start at 50
• Disallowed LIRA conversion to LIF before age 55
• Corrected an issue where a loan was not fully repaid as expected when the lender is the client and the borrower is set to "Outside of Plan"
• Plan families sorted in the UI with the newest plans first and older plans after
• Corrected balance sheet report issues where a company name is entered starting with the first owner's name

Version 5.5.0 Release Notes - 2020-02-13

AdviserGo

• Corrected an issue with Corporate report where company name had special character in the name
• Corrected an issue with retirement spending insight where it would timeout
• Corrected an issue with cash account name where it would not update once owner name is updated
• Corrected an issue where pension split percentage would not rollback to 0 once No is selected from dropdown
• Corrected an issue with other income legacy calculations where it would get factored in final year tax calculations
• Corrected an issue with transfers by restricting transfer in to cash accounts
• Corrected first tax bracket for Newfoundland and Labrador and Nunavut
• Corrected an issue with Joint insurance policies where it would not let user pick two insured people
• Allowed transfer in to RESP, limited it by contribution limit. Also, added ability to generate grants on transfer if eligible
• Added an option to enter plan name while creating a what-if plan from Create a copy option
• Made several accessibility improvements

Version 5.3.2 Release Notes - 2020-01-30

AdviserGo

New Features

• Added Plan families - ability to view all active and non-active older plans on the My Plans screen
• Added Public Service Superannuation Pension under Defined Benefit pension with type public
• Indicated mandatory fields with asterisk across all items and options
• Changes to Taxes option
• Renamed it to Carryover Assumptions
• Added service in the background to automatically add taxes for plan members
• Took out the option from add menu as now application adds the information automatically when a new plan member is added to the plan
• Reorganized options to fall under their relevant bucket
• Made deletion of a plan member easy by clearing out the taxes item automatically
• All plan members information can be accessed with help of one click
• Update on multiple plan members can be saved together
• Added Dividend and Interest options on steps for investment type Non Registered

Other Improvements

• Updated default withdrawal limit of line of credit to Do Not Allow
• Added ability to transfer in to RRSP from a Non Registered account
• Corrected an issue with LIRA transfer when client is under age 50
• Corrected an issue with LIRA transfer where maximum amount was getting transferred instead of all available
• Corrected an issue with plan name on update and promote flow where updated plan name would not persist
• Corrected the application Lifetime Capital Gains Exemptions limit by imposing a maximum of 1 million limit on farm and small business properties
• Updated UI to have only one option for Lifetime Capital Gains exemption applied till date for both farm and small business properties
• Added various accessibility improvements

Version 5.1.7 Release Notes - 2020-01-16

AdviserGo

Federal & Provincial/territorial tax brackets and tax rates
• Federal Tax brackets changed to 48,535, 97,069, 150,473, 214,368
• Tax brackets for British Columbia changed to 41,725, 83,451, 95,812, 116,344, 157,748
• Tax brackets for Manitoba changed to 33,389, 72,164
• Tax brackets for New Brunswick changed to 43,401, 86,803, 141,122, 160,776
• Tax brackets for Newfoundland and Labrador changed to 37,529, 75,858, 135,432, 189,604
• Tax brackets for Northwest Territories changed to 43,957, 87,916, 142,932
• Tax brackets for Nunavut changed to 46,227, 92,555, 150,473
• Tax brackets for Ontario changed to 44,740, 89,482, 150,000, 220,000
• Tax brackets for Quebec changed to 44,545, 89,080, 108,390
• Tax brackets for Yukon changed to 48,535, 97,069, 150,473, 500,000
• SurTax brackets for Ontario changed to 4,830, 6,182
Federal & Provincial Tax Credits
• Federal - Basic personal amount changed to 12,298
• Alberta - Basic personal amount changed to 19,369
• British Columbia - Basic personal amount changed to 10,949
• Manitoba - Basic personal amount changed to 9,838
• Newfoundland and Labrador - Basic personal amount changed to 9,498
• New Brunswick - Basic personal amount changed to 10,459
• Northwest Territories - Basic personal amount changed to 15,093
• Nunavut - Basic personal amount changed to 16,304
• Ontario - Basic personal amount changed to 10,783
• Prince Edward Island - Basic personal amount changed to 10,000
• Quebec - Basic personal amount changed to 15,532
• Yukon - Basic personal amount changed to 12,298
Age Based Tax Credit
• Federal - 7,637
• British Columbia - 4,910
• Newfoundland and Labrador - 6,063
• New Brunswick - 5,107
• Northwest Territories - 7,382
• Nunavut - 10,408
• Ontario - 5,265
• Yukon - 7,637
Other Tax Updates
• Employment Ins Max Earnings changed to 54,200, 54,200
• Employment Ins Rates updated to 1.58, 1.20, 2.21, 1.68
• Pension Contribution Max earning updated to 58,700, 58,700
• Lifetime Capital Gain Exemption for small business updated to 883,384
• DCPP contribution limit updated to 27,830
• Old Age Security benefit updated to 613
• OAS clawback updated to 79,054

• Corrected an issue with LIF owner when an insight is triggered
• Corrected an issue with generation of Loss Capacity report
• Updated RESP validation to allow two owners
• Corrected an issue with event name when created on Timing tab
• Updated TFSA growth screen to show Interest and Dividend options
• Took out federal option from LIRA

Version 5.1.6 Release Notes - 2019-12-26

AdviserGo

• New Feature: Added Lifetime Capital Gains Exemption(LCGE) for new property type Farm and existing property type Business. Also, added options to adjust capital gains exemptions already claimed on the farm and business under Taxes option
• New Feature: Added Alternative Minimum Tax(AMT) for farm exemptions
• Corrected: Missing loan payments on detailed cashflow chart
• Corrected: CPP contribution going beyond age 70
• Corrected: Drag and Drop behavior on cash sweep and preferred source options
• Corrected: Networth when a property is purchased at start of the plan using a Debt
• Corrected: Property liquidation owner name
• Corrected: Windfall and Other income now not considered earned income for RRSP contribution calculation
• Corrected: RDSP grant balance calculation
• Improvement: Updated labels on Retirement Spending simulation
• Improvement: Updated language on update and promote panel

Version 5.1.4 Release Notes - 2019-12-12

AdviserGo

• New Feature: Added Cash accounts for plan members with sweep and step up/down options in the UI under Savings and Investments
• Improvement : Updates to holdings UI and functionality
• Improvement : Updates to Accessibility
• Corrected : Goal funding percentage when an education goal is funded with an RESP plus one other account
• Corrected: Preferred payment sources were not utilizing RESPs when selected as one of multiple preferred payment sources
• Corrected: cancel button functionality so data entered prior to cancelling would properly rollback to original value
• Corrected : Future liability owned by a corporation was appearing on cash flow chart
• Corrected : Discrepancy when using “Estimate from Income” for CPP with same age clients
• Corrected : Dividends were included in calculating CPP benefit
• Corrected : RRSP contributions were stopping at age 70 instead of age 71
• Corrected : CPP contributions continuing after age 65
• Corrected : Deleting a one-step payment from a liability still retained linked information on the event
• Corrected : Event information for non-active plans in report
• Corrected : Incorrect Total number of clients displaying on client dashboard

Version 5.1.2 Release Notes - 2019-11-26

AdviserGo

• Updated DPSP UI to have RRIF conversion and payout options
• Enabled PDF report contents to be copied into Microsoft Word
• Corrected an issue with salary multiplier on term life insurance by restricting negative inputs
• Updated warning color on Update and Promote flow
• Various other minor UI improvements

Version 5.1.0 Release Notes - 2019-11-14

AdviserGo

• Added preferred payment sources to AdviserGo as an option for expenses, debts (for loan payoffs) and Property/Assets for use when scheduling future property purchases
• Added Estate Report which allows advisers to show clients how both their own assets and their spouse’s assets will fair after death
• Corrected an issue with cashflow detailed chart with select all toggle unchecked
• Various other minor UI improvements

Version 5.0.57 Release Notes - 2019-10-28

AdviserGo

• Add a Corporate valuation report to provide breakdown of corporation owned assets, debts and preferred/common share ownership details
• Added client name to Detailed Taxes report
• Corrected an issue with adding Asset Allocation on Steps
• Added more years to the Word Cashflow Detailed report
• Updated QPP contribution rate to 5.55%
• Added a conversion age option for LIRA
• Updated TFSA validation to check for one owner
• Corrected an issue where shareholder loan payment was not being used to fulfill plan expenses
• Updated disability insurance max benefit age to 65 from 67
• Updated charitable donations to account for tax credits
• Corrected an issue with bespoke mortality age preferences

Version 5.0.56 Release Notes - 2019-10-16

AdviserGo

• Updated capitals gains loss carry over label to carried forward capital losses
• Corrected an issue with whole life beneficiary where breakdown would not persist

Version 5.0.55 Release Notes - 2019-10-10

AdviserGo

• Corrected an issue where cost basis was showing up for GIC investment
• Corrected an issue where GIC investment was not being defaulted to fixed growth

Version 5.0.53 Release Notes - 2019-10-03

Adviser and AdviserGo

• Corrected an issue where RESP was not counted in the total net worth
• Corrected an issue where corporation owned property was counted twice in the asset chart
• Added an option to allow RMD takeout in beginning of the year for LIRA, LRSP and DCPP
• Added an option in Admin console to search users without a specific role
• Corrected an issue where excess funds generated by corporation were disregarded
• Corrected an issue with 2 step authentication submit button where enter would not work

Version 5.0.52 Release Notes - 2019-09-18

AdviserGo

• Added conversion year option for DCPP savings
• Corrected an issue where delete action on preferred share would not clear entered details
• Added copy and archive feature in admin UI to make it easy for user to branch a client to a new record and archive the old one
• RDSP Updates
  • Added ability to enter beneficiary information
  • Enabled entry of unused grant at plan start
  • Enabled contributions using unused grant entitlement
  • Added ability to track carry forward increase/decrease every year
  • Added Lifetime disability assistance payments(LDAP)
• Added previous year taxable income on OAS screen to calculate OAS clawback in the first year of the plan
• Corrected an issue with OAS benefit calculation for residents with less than 10 years of residency
• Corrected an issue with Pension Split on RRSP where it was being split before age 65 and prior to the conversion
• Corrected an issue where interest paid by corporation was not considered tax deductible

Version 5.0.50 Release Notes - 2019-09-08

Adviser and AdviserGo

New Features

• Added 5 new frequencies - Weekly, Biweekly, Semimonthly, Quarterly, Semiannually to payments, contributions and income items
• Added Loss Capacity insight in AdviserGo which allows you to examine how much any liquid or pension asset (excluding cash) a plan could potentially lose while achieving plan objectives.Also, added report to help advisers look at detailed results
• Added Personal and Corporate estate distributions in AdviserGo. This comprehensive feature allows advisers to show clients how both their own assets and their spouse’s assets will fair after death. Advisers and clients can easily glimpse details like the consequences of inheritance taxes
• Added an option to open AdviserGo from Client menu in the admin UI

Other Improvements

• Updated Enhanced CPP benefits and contributions
• Updated the Retirement Spending simulation to include the spending amount in the basic need line
• Corrected an issue with expense fulfillment using Estate Credit
• Corrected an issue with Early mortality what-if flow
• Corrected an issue with OAS clawback where it would not show up in the UI
• Corrected an issue with DCPP where withdrawals were not limited to maximum limit
• Corrected an issue with CDA balance

Version 5.0.49 Release Notes - 2019-09-05

Adviser and AdviserGo

• Corrected an issue with DPSP transfer
• Corrected an issue with TFSA where unused contribution room was not accounting for withdrawals
• Corrected an issue with RRIF where tax was withheld on minimum payments
• Added OAS clawback details on detailed yearly screen
• Corrected an issue where taxes taken from cash account were now showing in detailed yearly section

Version 5.0.45 Release Notes - 2019-08-12

Adviser and AdviserGo

• Corrected an issue with DPSP transfer
• Corrected an issue with TFSA where unused contribution room was not accounting for withdrawals
• Corrected an issue with RRIF where tax was withheld on minimum payments
• Added OAS clawback details on detailed yearly screen
• Corrected an issue where taxes taken from cash account were now showing in detailed yearly section

Version 5.0.43 Release Notes - 2019-08-08

Adviser and AdviserGo

• Updated OAS standard benefit value to use 2019 value $601
• Corrected an issue where plan asset allocation was not showing up in default assumption report
• Corrected an issue with Education report by removing duplicate entries
• Corrected RESP age validation message
• Corrected an issue where tax year formatting was not correct in the detailed yearly section

Version 5.0.41 Release Notes - 2019-07-25

Adviser and AdviserGo

• Corrected an issue with Trusts
• Added additional search filter for subscription search
• Corrected an issue with Total Estate value where previous year taxes row was missing

Version 5.0.36 Release Notes - 2019-07-04

Adviser and AdviserGo

• Corrected RESP contribution/collapse rule so it is based on the purchase year
• Corrected an issue where account names would not show up for dividend and yield
• Various other minor improvements

Version 5.0.30 Release Notes - 2019-06-21

AdviserGo

• Correct an issue with Pension Adjustment on Defined Benefit Pension
• Corrected corporate investment income tax rate
• Added age based tax credit
• Added conversion year input on LIRA
• Various other minor improvements

Version 5.0.29 Release Notes - 2019-06-13

AdviserGo

• Correct an issue with Update and Promote
• Corrected an issue with Need Analyzer simulation
• Added highest tax bracket for BC province
• Corrected income tax calculation for Ontario and PEI by adding province surtax
• Corrected an issue with Education report
• Corrected an issue with RDSP where interest was considered taxable even when not withdrawn
• Rounded TFSA maximum allowed contribution to nearest 500

Version 5.0.27 Release Notes - 2019-06-05

AdviserGo

• Added updated tax rates and contributions limits for year 2019
• Fixed bug that caused some company distribution credits to show up twice
• Corrected an issue with Networth tool tip where negative networth was not displayed properly
• Corrected an issue with planned and actual contribution numbers in chart details

Version 5.0.24 Release Notes - 2019-05-28

Adviser

• Corrected an issue on the Planned Withdrawal screen

Version 5.0.23 Release Notes - 2019-05-24

AdviserGo

• Updates to What-if simulations
• Updated client file version on reports to new format
• Added GRIP account to companies
• Various other UI improvements

Version 5.0.21 Release Notes - 2019-05-20

AdviserGo

• Added Loans under Debts bucket with following features
• Person to Person Loan
• Person to Corporation Loan
• Corporation to Person Loan
• Loan to person outside the plan
• Distinguished eligible and non eligible dividends on individual level
• Added Taxation type on Other Income
• Tax at Income Rate
• Tax at Capital Gains Rate
• Tax at Dividends Rate
• Various other UI improvements

Version 5.0.20 Release Notes - 2019-05-08

AdviserGo

• Corrected an issue with tax withholding where withholding amount was not considered as tax already paid
• Corrected an issue with LIF withdrawals where it was allowed to withdraw more than maximum limit
• Corrected an issue with Fee rate where it would not get applied to Registered accounts
• Corrected an issue with Old Age security
• Corrected an issue with Financial Summary report where it would fail to generate
• Corrected an issue with Networth report where it would fail to generate if plan has no liabilities
• Various other UI improvements

Adviser

• Corrected an issue with Overview - General(Events & Account Overview) report where apostrophe was misrepresented in Word
• Various other UI improvements

Version 5.0.12 Release Notes - 2019-03-12

Adviser

• Performance improvements for users with large numbers of clients and versions.

Version 5.0.2 Release Notes - 2019-02-28

Adviser

• Increase or decrease future debt payments using Steps. For details click here
• Linked Expenses removed from Debts
• Corrected issue with text size on Help Dialog menu
• TFSA Limit increased to $6,000 for 2019

AdviserGo

• Companies have been added to Adviser Go. For details click here
• Add/manage/update company ownership in client plan
• Model Trusts and Company Distributions
• Increase or decrease future debt payments using Steps. For details click here
• Access frequently used clients with new Recent Clients feature. For details click here
• Property now has options to link Income and Expenses. For details click here
• Corrected issue with overlapping text in Client Notes
• Corrected issue with Financial Summary report failing to generate
• TFSA Limit increased to $6,000 for 2019

Version 4.6.14 Release Notes - 2019-01-30

Adviser

• Withdrawal Limits - Users can designate a minimum balance on an account. For details click here
• Removed province option with LSRP since only Federally supported now
• Fixed issue with RDSP withdrawal tax
• Added Search By Entity Group name to User and Subscription search
• Added additional User Search by fields: Subscription Name, Subscription Group Name, SubscriptionGroup Id, Subscription Group Href Id

AdviserGo

• AdviserGo now has the same Chart Details functionality as Adviser. You’ll now be able to see all transactional details in AdviserGo. Yearly chart details can be accessed from either the Dashboard or the Let’s See screen. For details click here
• Editable Plan Preferences are now fully available in AdviserGo. You can find these under Plan Settings in the Dashboard. You now have the power to edit client-specific preferences directly from AdviserGo. For details click here
• Inflation / Growth Rate
• Fees & Taxation
• Liquidation Order
• Savings Order
• Calculation Setting
• Added new option called One Time Payments where entire debt or a specific amount can be paid off on debts or lines of credit. here
• Withdrawal Limits - Users can designate a minimum balance on an account. here
• Removed province option with LSRP since only Federally supported now
• Fixed issue with RDSP withdrawal tax
• Various report bug fixes

Version 4.6.10 Release Notes - 2019-01-21

Adviser

• Added a new withdrawal limit called Minimum Balance
• Corrected an issue with preferences text size on Mac when its set to max

Version 4.6.8 Release Notes - 2018-12-21

Adviser

• Corrected an issue where LIF withdrawals would stop working after age 90

AdviserGo

• Added a conversion age option to convert RRSP when needed
• Corrected an issue where LIF withdrawals would stop working after age 90

Version 4.6.3 Release Notes - 2018-12-12

Adviser

• Planned Withdrawals Get the Spotlight! You’ll no longer input withdrawals under Investments or Pensions. Instead, withdrawals will have their own section. For details click here and for videos click here
• A new panel called Withdrawal Limits has been added to the retirement savings screens for use in setting limits on when and how money can be withdrawn. For details click here here
• Added ability to client search by adviser email in Adviser
• Corrected issue where savings accounts had incorrect growth rate

Introducing new features in Adviser Go

• Introducing Planned Withdrawals in Adviser Go! This change will introduce some additional flexibility, making it easier to structure withdrawals according to the client's needs. For details click here and for videos click here
• Introducing Withdrawal Limits in Adviser Go! Withdrawal Limits are the restrictions you place on taking ad hoc withdrawals from a given investment in order to fulfill expenses after other income sources have been exhausted in the plan. For details click here here
• Introducing Steps in Adviser Go! Steps allow for the details of a plan account to be stepped up or down at any point in the plan timeline. These include account contributions, growth rates, and liquidation limits.
• Introducing Transfers in Adviser Go! Transfers introduces the ability to easily move money from one account to another within a plan.

Adviser Go - Other features and Improvements

• Various report bug fixes
• Added ability to client search by adviser email in Adviser Go
• Corrected issue where savings accounts had incorrect growth rate
• Improved UI design for New Property, Goals and Debt
• "Receive Debt Amount as Cash" option now available for Debts
• RESP rate of Return appears in Performance Insight menu
• Hide All/Show All toggle for charts now available
• CPP Death Benefit now $2,500 flat rate
• Corrected Issue with RESP Estate Tax calculation
• Corrected UI issue where CPP Percent of Max Benefit did not show

Version 4.5.72 Release Notes - 2018-11-01

Adviser & Adviser Go

• Fixed surplus/shortfall number for Cash Flow report when there is an unfulfilled expense
• Corrected an issue where Cash Flow report not showing Tax Credits for previous year

Version 4.5.67 Release Notes - 2018-10-04

Adviser

• Corrected an issue where transferring a client to another user using subscription manager role would not work

Adviser Go

• Corrected an issue with life needs simulation chart data
• Corrected issue with Investment Portfolio slider link not working on Investments and Pension screen
• Corrected an issue with DCPP contributions where fixed contributions won't clear out percent option

Version 4.5.66 Release Notes - 2018-09-26

Adviser

• Corrected university expense to be fulfilled only with RESP when preferred source is set to Yes
• Corrected UI issue by taking out Max contribution option for Non Registered Investments

Adviser Go

• Updated user interface design for an easier user experience
• Improved error validation on Create User page for invalid emails or phone numbers
• Corrected university expense to be fulfilled only with RESP when preferred source is set to Yes
• Corrected issue with Milestone Expense timeline error messages
• Corrected issue with Property only displaying one liability when it possessed more than one
• Corrected issue where pie charts stopped showing labels

Version 4.5.65 Release Notes - 2018-09-06

Adviser Go

• Corrected issue with Insurance item start and end dates incorrectly being moved
• Goal creation no longer creates corresponding expense

Version 4.5.63 Release Notes - 2018-08-20

Adviser Go

• Improved "Is Client Already Retired" option on create a client screen to get set based on birth year input
• Corrected withdrawal option issues for Line of Credit
• Corrected Beneficiary pie chart to show names of beneficiaries
• Various other UI improvements

Version 4.5.61 Release Notes - 2018-08-03

Voyant Adviser

• Added ability to allow unused portions of RESP plans to be withdrawn into owner's cashflow with 20% penalty if applicable
• Debt menu payment amounts now default to monthly instead of yearly

Adviser Go

• Education funding was causing problems where clients had a an RESP past the education date, and are unable to withdraw into their cashflow. As a result the RESP becomes a part of the estate. This has been corrected to allow unused portions of RESP plans to be withdrawn into primary's cashflow
• Debt menu payment amounts now default to monthly instead of yearly

Version 4.5.58 Release Notes - 2018-07-20

Voyant Adviser

Federal & Provincial/territorial tax brackets and tax rates
• Federal Tax brackets changed to 46,605, 93,208, 144,489, 205,842
• Tax brackets for Alberta changed to 128,145, 153,773, 205,031, 307,547
• Tax brackets for New Brunswick changed to 41,675, 83,351, 135,510, 154,382
• Tax brackets for Newfoundland and Labrador changed to 36,926, 73,852, 131,850, 184,590
• Tax brackets for Quebec changed to 43,055, 86,105, 104,765
• Tax brackets remain the same for British Columbia, Manitoba, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan, and Yukon
• Tax rates remains same the for Federal, Alberta, British Columbia, Manitoba, New Brunswick, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon
Federal & Provincial Tax Credits
• Federal - Basic personal amount changed to 11,809
• Alberta - Basic personal amount changed to 18,915
• British Columbia - Basic personal amount changed to 10,412
• Manitoba - Basic personal amount changed to 9,382
• Newfoundland and Labrador - Basic personal amount changed to 9,247
• New Brunswick - Basic personal amount changed to 10,043
• Northwest Territories - Basic personal amount changed to 14,492
• Nunavut - Basic personal amount changed to 13,325
• Ontario - Basic personal amount changed to 10,354
• Prince Edward Island - Basic personal amount changed to 8,160
• Quebec - Basic personal amount changed to 15,012
• Yukon - Basic personal amount changed to 11,809
• Dividend Tax Credit Rate for New Brunswick changed to 0.14
• Dividend Tax Credit Rate for Yukon changed to 0.12
• Dividend Tax Credit Rate for Quebec changed to 0.119
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.21 for Alberta
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.147 for British Columbia
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.174 for Manitoba
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.1795 for New Brunswick
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.183 for Newfoundland and Labrador
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.1405 for Northwest Territories
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.115 for Nunavut
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.21 for Nova Scotia
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.1116 for Ontario
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.167 for Prince Edward Island
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.24 for Quebec
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.15 for Saskatchewan
• Charitable Donation Tax Credit Rates for amounts over $200 corrected to 0.128 for Yukon
Corporate tax brackets and tax rates
• Corporate Active Income Tax Rate for British Columbia changed to 0.12
• Corporate Active Income Tax Rate for Yukon changed to 0.12
• Corporate Active Income Tax Rate for Quebec changed to 0.117
• Corporate Active Income Tax Rate - Small Business for Federal changed to 0.10
• Corporate Active Income Tax Rate - Small Business for Prince Edward Island changed to 0.04
• Corporate Active Income Tax Rate - Small Business for New Brunswick changed to 0.03
• Corporate Active Income Tax Rate - Small Business for Ontario changed to 0.035
• Corporate Active Income Tax Rate - Small Business for British Columbia changed to 0.02
• Corporate Active Income Tax Rate - Small Business for Yukon changed to 0.02
• Corporate Investment Income Tax Rate for Yukon changed to 0.12
• Corporate Investment Income Tax Rate for Northwest Territories changed to 0.12
• Corporate Investment Income Tax Rate for Quebec changed to 0.117
• Corporate Small Business Income Limit for Saskatchewan changed to 600,000
Pension and Contribution related changes
• Old Age Security maximum monthly payment amount limit changed to 596.67
• Old Age Security clawback amount changed to 75,910
• Canada Disability Savings Bond - income lower limit changed to 30,450
• Canada Disability Savings Bond - income upper limit changed to 46605
• Canada Disability Savings Grant - contribution limit changed to 93,208
• Registered Disability Savings Plan - income lower limit changed to 30,450
• Registered Disability Savings Plan - income upper limit changed to 46,605
• Registered Education Savings Plan - income lower limit changed to 46,605
• Registered Education Savings Plan - upper limit changed to 93,208

• Client Archive - Users with the Client Archiver role can now archive client records. The new client archive flag allows client records to easily be excluded from client search, client synchronization, and client analytics
• RESP Annual Contribution limits are now calculated based on Other Income and Windfall Income, in addition to Employment Income
• Insurance policies can now be owned by corporations or companies
• CPP Max Income has been changed to $1,134
• Validation added to make sure insurance policy requires owner to save
• Changed label from "Only Allow Preferred Payment Sources" to "Only Allow Educational Savings Accounts To Pay Expense"

Adviser Go

• RESP Annual Contribution limits are now calculated based on Other Income and Windfall Income, in addition to Employment Income
• Insurance policies can now be owned by corporations or companies
• CPP Max Income has been changed to $1,134
• Bug fix - Child owned RESP accounts in detailed asset chart will no longer overwritten if more than one RESP

Version 4.5.56 Release Notes - 2018-07-11

Voyant Adviser

• Improved handling of transfers - the sideways movement of money from one account to another. Transfers will no longer be shown in the Cash Flow chart, but they will be listed in the chart details, on the Cash Flow tab under the heading “Cash flow not displayed on chart”
• Added flexibility to allow plan Primary to own RESP, as well as ability to designate multiple beneficiaries on one RESP
• Fixed an issue involving drawdown on Savings
• Fixed bug involving Annuity calculations for Pensions
• Added ability to designate corporate income as Active or Passive

Adviser Go

• Added flexibility to allow plan Primary to own RESP, as well as ability to designate multiple beneficiaries on one RESP
• Various Other Mobile and Desktop UI Improvements

Version 4.5.54 Release Notes - 2018-06-22

Voyant Adviser

• Corrected issue with Detailed Asset Report where chart colors did not match legend icon colors
• Corrected issue with Whole Life where payout year was showing asset and benefit value, instead of benefit value only
• Improved whole life timing tab experience
• Can no longer delete primary tax information
• Simplified Education expense workflow
• Debt/Line of Credit – Added interest is tax deductible option
• Basic/Leisure/Luxury Expense - Added tax deductible option
• Quebec tax credit will be adjusted in the same year instead of following year
• RRSPs - only an 'as needed' amount is withdrawn prior to conversion age
• Various other UI improvements

Adviser Go

• Corrected issue with Detailed Asset Report where chart colors did not match legend icon colors
• Corrected issue with Whole Life where payout year was showing asset and benefit value, instead of benefit value only
• Simplified Education expense workflow
• Debt/Line of Credit – Added interest is tax deductible option
• Basic/Leisure/Luxury Expense - Added tax deductible option
• Various minor improvements to Reports
• Various Other Mobile and Desktop UI Improvements

Version 4.5.49 Release Notes - 2018-06-05

Voyant Adviser

• Updated maximum CPP and EI contribution calculation to use 2018 limits
• Corrected an issue with EI contribution where for self employed it was not considering Employer portion of the contribution
• Improved liquidation order to allow Line of Credit to separately prioritized above other accounts in liquidation order
• Corrected an issue where WholeLife cash value was not showing up in networth/planworth and in assets chart
• Corrected Cashflow analysis report to show CPP/QPP/OAS information for spouse
• Various other UI improvements

Adviser Go

• Corrected Retirement Summary report to show correct savings per-annum number
• Corrected a UI issue where a validation error message would appear if an income is saved for an year with same start and end event
• Various minor improvements to Reports
• Various Other Mobile and Desktop UI Improvements

Version 4.5.49 Release Notes - 2018-06-05

Voyant Adviser

• Updated maximum CPP and EI contribution calculation to use 2018 limits
• Corrected an issue with EI contribution where for self employed it was not considering Employer portion of the contribution
• Improved liquidation order to allow Line of Credit to separately prioritized above other accounts in liquidation order
• Corrected an issue where WholeLife cash value was not showing up in networth/planworth and in assets chart
• Corrected Cashflow analysis report to show CPP/QPP/OAS information for spouse
• Various other UI improvements

Adviser Go

• Corrected Retirement Summary report to show correct savings per-annum number
• Corrected a UI issue where a validation error message would appear if an income is saved for an year with same start and end event
• Various minor improvements to Reports
• Various Other Mobile and Desktop UI Improvements

Version 4.5.46 Release Notes - 2018-05-21

Voyant Adviser

• Corrected an issue with Provincial Dividend Tax Credit where it would not show up under detailed Taxes screen
• Corrected an issue with line of credit payoff where joint investment accounts were not getting used for payoff at Mortality
• Corrected an issue with Carried Forward Capital Losses where it was not being applied towards Taxable Capital Gains
• Various other UI improvements

Adviser Go

• Added improved Education Summary report
• Corrected an issue with Retirement Summary report where it would not generate for cases with milestone goal
• Corrected report footer issue where it would show current plan's name in the footer instead of selected plan
• Corrected an issue with Provincial Dividend Tax Credit where it would not show up under detailed Taxes screen
• Corrected an issue with line of credit payoff where joint investment accounts were not getting used for payoff at Mortality
• Corrected an issue with Carried Forward Capital Losses where it was not being applied
• Updated reinvest yield option for investments to be 'Yes' by default
• Updated Critical Illness to have only one event on the Timeline
• Various Other Mobile and Desktop UI Improvements

Version 4.5.46 Release Notes - 2018-05-21

Voyant Adviser

• Corrected an issue with Provincial Dividend Tax Credit where it would not show up under detailed Taxes screen
• Corrected an issue with line of credit payoff where joint investment accounts were not getting used for payoff at Mortality
• Corrected an issue with Carried Forward Capital Losses where it was not being applied towards Taxable Capital Gains
• Various other UI improvements

Adviser Go

• Added improved Education Summary report
• Corrected an issue with Retirement Summary report where it would not generate for cases with milestone goal
• Corrected report footer issue where it would show current plan's name in the footer instead of selected plan
• Corrected an issue with Provincial Dividend Tax Credit where it would not show up under detailed Taxes screen
• Corrected an issue with line of credit payoff where joint investment accounts were not getting used for payoff at Mortality
• Corrected an issue with Carried Forward Capital Losses where it was not being applied
• Updated reinvest yield option for investments to be 'Yes' by default
• Updated Critical Illness to have only one event on the Timeline
• Various Other Mobile and Desktop UI Improvements

Version 4.5.44 Release Notes - 2018-05-07

Voyant Adviser

• Added Spousal RRSP under Retirement Savings
• Took out Gender input option from Create New Client screen
• Added "Percent of Equity" option for Line of Credits
• Added ability to make payments on line of credit and payoff a line of credit in exactly same manner as a regular debt
• Added an informational field on regular Debt screen called Debt Type
• Various other UI improvements

Adviser Go

• Added Spousal RRSP under Retirement Savings
• Took out Gender input option from Create New Client screen
• Added "Percent of Equity" option for Line of Credits
• Added ability to make payments on line of credit
• Added an informational field on regular Debt screen called Debt Type
• Added new Balance sheet report
• Improved Events and Retirement Summary reports by adding more relevant details
• Various Other Mobile and Desktop UI Improvements

Version 4.5.38 Release Notes - 2018-04-20

Voyant Adviser

• Added an EI opt in/opt out option for Employment type Self Employed/Company Owner
• Added CPP Pension Split option under Plan Preferences, CPP screen and Taxes screen. Also, added breakdown of CPP pension split under detailed yearly taxes screen
• Added Pension Split option under Taxes screen. Also, added breakdown of Pension split under detailed yearly taxes screen
• Corrected an issue where corporate planned contributions would show up in the need line
• Corrected a label issue with Non Registered and Tax Free investment accounts
• Corrected an issue where Government Grants field would show up for Non Registered and Tax Free accounts
• Various other UI improvements

Adviser Go

• Added an EI opt in/opt out option for Employment type Self Employed/Company Owner
• Added CPP Pension Split option under Plan Preferences, CPP screen and Taxes screen. Also, added breakdown of CPP pension split under detailed yearly taxes screen
• Added Pension Split option under Taxes item. Also, added breakdown of Pension split under detailed yearly taxes screen
• Added a sample whole life csv with 'Download Sample File" link on Whole life screen
• Added Primary's and Secondary's age in reports
• Made improvements to fact find report by adding more relevant details
• Added hover over feature on the timeline events. Now you can quickly view the details on any event by hovering over the event
• Various Other Mobile and Desktop UI Improvements

Version 4.5.35 Release Notes - 2018-04-04

Voyant Adviser

• Added Pension Adjustment calculations and detailed display on chart screen
• Improvements to RESP module which now allows ability to estimate CESG grant room carry over
• Implemented QPIP calculations for residents of Quebec
• Improvements to client reports
• Various UI improvements

Version 4.5.34 Release Notes - 2018-04-04

Voyant Adviser

• Corrected an issue with Balance Sheet report for single person plans

Version 4.5.31 Release Notes - 2018-03-14

Voyant Adviser

• Corrected the display of corporate values in the assets chart to show the total cash value of the company held by plan members
• Added CPP Survivor Benefits which includes support for currently receiving survivor pension
• Added Pension Credit calculations to make sure it gets applied to next years RRSP contribution limit
• Corrected an issue with RRSP contribution limit where it was applied to both DCPP and DPSP accounts
• Added Lump sum CPP death benefits
• Added RRSP deduction limit under Taxes option
• Various other UI improvements

Adviser Go

• Added CPP Survivor Benefits which includes support for currently receiving survivor pension
• Updated Pre-Retirement and Retirement Goal default events
• Replaced radio buttons with easy to use dropdown menus to make it easier to mark fields as yearly or monthly, yes/no,and so on
• Improved Insights performance, each tweak you make to an Insight will auto-load, saving you the hassle of more clicks
• Added a new way to filter through client plans, assuming three or more plans with at least one active plan
• Corrected issues with Financial Summary and Retirement Summary reports
• Various Other Mobile and Desktop UI Improvements

Version 4.5.30 Release Notes - 2018-02-28

Voyant Adviser

• Corrected an issue with CPP calculations for cases with multiple employment incomes
• Corrected an issue with CPP and EI calculations for Self Employed cases
• Corrected an issue with Spouse tax calculation based on selected province
• Corrected Balance Sheet issues with Corporate Owned Items
• Corrected the insurance payout calculation at mortality when insurance is owned by a corporation
• Various other UI improvements

Adviser Go

• Introducing new improved Timeline with drag & drop feature. Event selection and creation has been improved to give user a very friendly and guided approach.For more detailed information and instructions, click here
• Made improvements to Reports
• Corrected an issue with CPP calculations for cases where a client has multiple employment incomes
• Corrected an issue with CPP and EI calculations for Self Employed cases
• Corrected an issue with Spouse tax calculation based on selected province
• Corrected issues with Education expense events
• Various Other Mobile and Desktop UI Improvements

Version 4.5.28 Release Notes - 2018-02-07

Voyant Adviser

• Added Max Contribution feature under Contribution section for Investments and Pensions
• Improved the handling of minimum payouts by transferring it to default cash account since minimum payouts from retirement accounts are forced distributions
• Added Employer Contribution option to DPSP retirement savings
• Corrected an issue with Tax free category where it would not show up under detailed cashflow simple chart
• Corrected Balance Sheet issues for corporate owned accounts
• Corrected insurance cash value calculation at the mortality year
• Correct an issue where surrender of whole life policies owned by corporations did not properly adjust the CDA balance
• Various other UI improvements

Adviser Go

• Corrected an issue with client search when switched to All Clients from My Clients
• Added the ability to change plan name under My plans popup
• Added an option to add future property under Add Property
• Improved top right waffle and client name to separate out invite and client related options
• Improved top nav to include Reports option
• Corrected IE browser scroll bar issues
• Corrected an issue with update of events and owners when Cancel button is clicked on popups
• Improved Lets See simple and dual chart navigation options
• Various Other Mobile and Desktop UI Improvements

Version 4.5.21 Release Notes - 2018-01-24

Voyant Adviser

• Corrected an issue with RRSP minimum payouts
• Added Employee and Employer contributions to DCPP pension
• Updated "Additional Taxes" on Taxes chart to read "Other Taxes"
• Corrected an issue with CPP benefits based on % of max benefit when there is no income in the plan
• Updated Liquidation Order and Sort Order options under Preferences to allow ordering of individual account types
• Made fact find pdf more resilient when there is no marital status field
• Added an “unlimited” group layer below the subscription layer (called Subscription Groups). The key enhancement provided by the group layer is the infinite nesting of groups within groups. This nesting allows organizations to mimic their internal multi-layer hierarchies within the Voyant Entity Group, Subscription, and new Group layers.
• Improved Market Assumption message popup when system preferences are set differently from configured default
• Added Account Locking feature to lock the account and send an email if 10 login failures are encountered on an account in a day. Locked account can be unlocked by admin user
• Various other UI improvements

Adviser Go

• Introducing improved client reports in AdviserGo
• Added ‘Include Taxes’ and ‘Exclude Taxes’ option for Retirement Spending simulation
• Improved Adviser Go All Clients search. Added My Clients and All Clients filters to improve the client search
• Various Other Mobile and Desktop UI Improvements

Version 4.5.4 Release Notes - 2017-12-05

Adviser

• Fixed adhoc withdrawals for Retirement plans
• Added Defined Contribution Pension Plan Retirement Plan under Retirement Savings
• Added Province option for locked in Retirement plans
• Added Canada Disability Savings Bonds(CDSB) for RDSP contributions
• Added an option 'CESG Contributions To Date' under Taxes for RESP historical grants
• Added an option 'CDSG Contributions To Date' under Taxes for RDSP historical grants
• Added an option 'CDSB Contributions To Date' under Taxes for RDSP historical bonds
• Various Other UI improvements

Adviser Go

• Added Defined Contribution Pension Plan Retirement Plan under Retirement Savings
• Added Province option for locked in Retirement plans
• Added Canada Disability Savings Bonds(CDSB) for RDSP contributions
• Added an option 'CESG Contributions To Date' under Taxes for RESP historical grants
• Added an option 'CDSG Contributions To Date' under Taxes for RDSP historical grants
• Added an option 'CDSB Contributions To Date' under Taxes for RDSP historical bonds
• Various Other UI improvements

Version 4.4.4 Release Notes - 2017-10-16

Adviser Go

• Added an option 'Registered Education Savings Plan Contributions To-Date' under Taxes for RESP historical contributions
• Added Growth options like Dividend Yield, Interest Yield and Reinvest Yield for Investments
• Added cost of living allowance rate 'COLA' for Defined Benefit Pension
• Added an option 'Registered Disability Savings Plan Contributions To-Date' under Taxes for RDSP historical contributions

Version 4.4.1 Release Notes - 2017-10-03

Voyant Adviser

• Added Canada Education Savings Grant(CESG) for RESP contributions
• Added an option 'Registered Education Savings Plan Contributions To-Date' under Taxes for RESP historical contributions
• Added Canada Disability Savings Grant(CDSG) for RDSP contributions
• Added an option 'Registered Disability Savings Plan Contributions To-Date' under Taxes for RDSP historical contributions
• Improved the way withdrawals were working for RDSP

Version 4.4.0 Release Notes - 2017-09-20

Voyant Adviser

New Features

• Introducing Holding companies in Voyant. Few key Features- Ownership support, Income Distributions, Ability to add Assets owned by company, Taxes and Dividend calculations, Preferred and Common share support
• Added support for Bare and Discretionary Trusts
• Added Line of Credit left nav item under Debts
• Added new Illustrated Whole Life with csv import option under Insurance
• Added a new expense category called 'Educational Expense'

Other Features and Improvements

• Corrected the way Pension was getting calculated using 'estimate from income' option. Now you can pick Salary Scheme option to calculate pension using income
• Correct a UI issues with High Resolution machines
• Various other UI improvements

Adviser Go

• Added Insurance in the add menu with following types: Term Life, Illustrated Whole Life, Critical Illness, Long Term Care and Disability
• Added Line of Credit under Debts
• Corrected the way Pension was getting calculated using 'Estimate from income' option. Now you can pick Salary Scheme option to calculate pension using income
• Corrected the ledger update on Dashboard for CPP and OAS
• Added year and age select lists on add and edit event screens
• Added Education Goal under Goals option and Education Expense under Expenses option
• Improved detailed Networth yearly view to show yearly Assets and Debts
• Added Already Retired option for new clients, on new client screen you can pick up 'already retired' option
• Improved detailed Networth chart colors to show negative in red color and non negative in blue color
• Added a way to add a replacement mortality for plan owners, it can be accessed using What-If screen option 'Change Life Expectancy'
• Added a way to link new Debts to existing properties
• Various other Desktop and Mobile UI improvements

Version 4.3.8 Release Notes - 2017-08-29

Voyant Adviser

• Corrected an issue with Adviser Fact Check PDF report caused by '&' in the market assumptions

Version 4.3.5 Release Notes - 2017-08-10

Voyant Adviser

• Fixed an issue with Long Term care where chart would not generate when tried to purchase a property using insurance
• Corrected an issue with breakdown of withdrawal/expense fulfilment source information under Detailed Expenses tab where last withdrawal source would overwrite existing source information
• Corrected an issue with detailed taxes chart where tax on savings income would not show up, only tax on non-savings income would show up

Adviser Go

• Fixed an issue with secondary person deletion
• Improved the performance of reports
• Added Pension estimates for CPP and OAS
• Various Other Mobile and Desktop UI Improvements

Version 4.3.0 Release Notes - 2017-07-24

Voyant Adviser

• Corrected an alignment issue with MS Word reports caused by an Update in MS Word
• Corrected an issue with Balance Sheet reports where joint assets would show up under Primary's column
• Corrected an issue with Balance Sheet reports where assets for Non Legal Partner would not show up
• Corrected an issue with Defined Benefits income where it was not being taxed

Adviser Go

• Introducing Reports in AdviserGo. Reports can be accessed using "Generate Report" button under My Plans popup and inside individual Insights/Simulation screen. Reports will give you breakdown of overall accounts, charts and allocations
• Corrected an issue with Debt Balance calculation when monthly payment option is selected
• Corrected a validation issue with linked Debt when toggled between yearly and monthly options
• Corrected an issue with event drag feature on last mortality
• Improved Property add and edit popup by adding in Cost Basis input field
• Improved UI experience for Update and Promote feature
• Improved Snapshot Integration merge feature, added nickname input field to add easy nick names for imported accounts
• Various Other Mobile and Desktop UI Improvements

Version 4.2.63 Release Notes - 2017-07-19

Voyant Adviser

• Fixed "Unable to Launch Application" issue caused by latest Java version 8 update 141

Version 4.2.62 Release Notes - 2017-07-07

Voyant Adviser

• Corrected an issue with Family balance sheet report when an asset is linked to a person other than primary and secondary
• Corrected an issue with Adviser fact check report when a stage is deleted
• Various UI improvements

Adviser Go

Top Nav Improvements
• Added a Top nav to replace left side nav bar
• Added Dashboard, Timeline, Lets See, Insights, What-if and Snapshot options to Top nav
• Added a Plus button on Client Search and Invitations page to categorize features like "Create a new Client", "Import a client" and "Invite Clients"
• Moved Waffle menu from left nav to top nav
• Moved My Plans option to the top, clicking on the plan name will open up the my plans popup
Other Fixes and Improvements
• Improved the import process with different options - Merge, Overwrite and Update
• Added support for Quovo integration
• Added support for Transact integration
• Added multi-client import feature for Transact, now you can import and merge data for 2 clients
• Various Mobile and Desktop Improvements
• Various Bug fixes

Version 4.2.57 Release Notes - 2017-06-05

Voyant Adviser

Provincial/territorial tax brackets and tax rates
• Tax brackets for Alberta changed to 126,625, 151,950, 202,600 and 303,900
• Tax brackets for British Columbia changed to 38,898, 77,797, 89,320 and 108,460
• Tax brackets for Manitoba changed to 31,465 and 68,005
• Tax brackets for New Brunswick changed to 41,059, 82,119, 133,507 and 152,100
• Tax brackets for Newfoundland and Labrador changed to 35,851, 71,701, 128,010 and 179,214
• Tax brackets for Northwest Territories changed to 41,585, 83,172 and 135,219
• Tax brackets for Nova Scotia changed to 29,590, 59,180, 93,000 and 150,000
• Tax brackets for Nunavut changed to 43,780, 87,560 and 142,353
• Tax brackets for Ontario changed to 42,201, 84,404, 150,000' and 220,000
• Tax brackets for Prince Edward Island changed to 31,984 and 63,969
• Tax brackets for Quebec changed to 42,705, 85,405 and 103,915
• Tax brackets for Saskatchewan changed to 45,225' and 129,214'
• Tax brackets for Yukon changed to 45,916, 91,831, 142,353 and 500,000
• Tax rates for Newfoundland and Labrador changed to 8.7%, 14.5%, 15.8%, 17.3% and 18.3%
• Tax rates remains same for 'Alberta', 'British Columbia', 'Manitoba', 'New Brunswick', 'Northwest Territories', 'Nova Scotia', 'Nunavut', 'Ontario', 'Prince Edward Island', 'Quebec', 'Saskatchewan' and 'Yukon'
Federal & Provincial Tax Credits
• Federal - Basic personal amount changed to 11,636
• Alberta - Basic personal amount changed to 18,690
• British Columbia - Basic personal amount changed to 10,208
• Manitoba - Basic personal amount changed to 9,271
• Newfoundland and Labrador - Basic personal amount changed to 8,978
• New Brunswick - Basic personal amount changed to 9,895
• Northwest Territories - Basic personal amount changed to 14,278
• Nova Scotia - Basic personal amount changed to 8,481
• Nunavut - Basic personal amount changed to 13,128
• Ontario - Basic personal amount changed to 10,171
• Prince Edward Island - Basic personal amount changed to 8,000
• Quebec - Basic personal amount changed to 11,635
• Saskatchewan - Basic personal amount changed to 16,065
• Yukon - Basic personal amount changed to 11,635
Pension and Contribution related changes
• Old Age Security maximum monthly payment amount limit changed to 578
• Registered Education Savings plan(RESP) contribution limit remains 50,000
• Tax Free Savings Account(TFSA) contribution limit remains 5,500
• EI - Maximum annual insurance earnings changed to 51,300
• EI premium rate changed to '1.63%'
• Canada Pension Plan(CPP) - Basic exemption amount remains 3,500
• Canada Pension Plan(CPP)- Maximum annual pensionable earnings changes to 55,300
• Canada Pension plan(CPP) - Employee and employer contribution rate remains same

• Corrected an issue with taxes detailed report when there are children in the plan but no spouse
• Various UI improvements

Adviser Go

Snapshot and My Plan Improvements
• Improved snapshot charts and added a list view card to show all the accounts information
• Added unknown account type option in the snapshot integration process for accounts that can not be categorized, users will need to categorize accounts before updating snapshot and plan
• Asset Allocation now has its own card
• Snapshot card view selected by user will persist for the client
• Added badges to highlight active and locked plans to my plan popup
• Added Current Plan and Other plan sections to my plan popup
• Highlighted different plan access options like - Switch, Delete, Compare and Update on my plan popup
• Added plan sort by name and date feature on my plan popup
Other Fixes and Improvements
• Corrected an issue with Savings owner selection for IE11 users
• Corrected an issue with Lets See chart y-axis where chart numbers would repeat
• Various Bug fixes

Version 4.2.53 Release Notes - 2017-05-22

Voyant Adviser

• Added Critical Illness insurance
• Improved Term Life Insurance with following key features:
• Added two types - Employee Benefit and Personal Policy
• Added Payout At End of Term(Maturity) option under Advanced Settings for both types with the ability to designate the payout at the end of term using maturity growth and payout taxation options
• Added Benefit Type for Personal Policy with options Lump Sum , Regular Income , Decreasing Lump Sum and Increasing Lump Sum

• Added three Taxation Type options to Other Income and Windfall Events
• Tax at Income Rate
• Tax at Capital Gains Rate
• Tax at Dividends Rate
• Estate and Legacy – fixed layout issues for Mac users and updated reports to show zero balances for clarity
• Various UI Improvements

Adviser Go

• Integrated Adviser Go and Snapshot with the ByAllAccounts account aggregation service provided by Morningstar
• Improved Import process for existing and new clients
• Corrected issues related to owner age and name when a client is imported using an integration service
• Various UI Improvements

Version 4.2.45 Release Notes - 2017-05-03

Voyant Adviser

• Added new "Canada Default Market Assumptions" Market Assumptions. Updating to the new market assumptions may result in invalid asset allocations, which will need to be corrected. If error messages appear at the bottom of the screen following the update, click the message. Each error is a link which will take you to the item that needs editing. Then go to Advanced Settings > Asset Allocation to enter a new, valid asset allocation using asset classes from this new set of market assumptions
• Corrected report image sizing for those using the high resolution font setting

AdviserGo

• Fixed an issue where adviser invites were counted towards the number of available consumer invites in AdviserGo

Version 4.2.42 Release Notes - 2017-04-20

Voyant Adviser

• Fixed UI issues with Whole Life Insurance screen. Now you will see "Required Yearly Cash Portion of Premium" and "Held in Trust" options.

Version 4.2.41 Release Notes - 2017-04-11

Voyant Adviser

• Improved Legacy - Estate overview screens for high resolution machines
• Various other UI improvements

Version 4.2.34 Release Notes - 2017-03-29

Voyant Adviser

• Added new "RSMR Market Assumptions" Market Assumptions.Updating to the new market assumptions may result in invalid asset allocations, which will need to be corrected. If error messages appear at the bottom of the screen following the update, click the message. Each error is a link which will take you to the item that needs editing. Then go to Advanced Settings > Asset Allocation to enter a new, valid asset allocation using asset classes from this new set of market assumptions.
• Added a AdviserGo button on Adviser Search screen, it opens selected plan in your default browser
• Various UI Improvements

Adviser Go

• Fixed Custom Portfolio order and colors
• Added accessibility event selector on the Timing tab

Version 4.2.31 Release Notes - 2017-03-05

Voyant Adviser

• Added a feature to update a client from an existing integration. The option "Update Integrations" is available on Plan Management dialog(hammer icon).For a client that was previously imported or merged from an integrations, this button will be active. Clicking it should:
• Give the option to choose which integration to update if there are multiple (if not skip this)
• Login to the integration if credentials are not already setup (this is skipped as well if authentication is successful)
• Fetch the correct client data from the specified integration, and present the dialog giving the option to Overwrite, Merge, or Import Into
• Updated chart images in reports to show spouse age as well as primary
• Various UI Improvements

Adviser Go

• Added a feature to "Invite a Client" from the Dashboard
• Improved UI for Add and Edit popups
• Improved Add/Edit Investment, Asset Allocation and Holdings flow
• Improved Investment Growth option with the ability to manually set growth rate or select from different portfolios
• Added a feature to "Update and Promote" plan to future date
• Various desktop and mobile Improvements

Version 4.2.28 Release Notes - 2017-02-13

Adviser Go

• Added a feature to update account holdings in the plan if the plan is older than 60 days
• Added a feature where subscription owners can enable Integration services through AdviserGo
• Added a feature where an adviser can manage invited client's plan access(write/read/hidden). Few key features:
• Base Plan can not be hidden
• Adviser can change plan permissions at any time
• Client can create a what-if plan from Base plan or any other read only plan to add/update plan details
• Added a Cookie Disclosure prompt
• Improved alerts, now alerts related to the plan will show up under Lets See chart on the Dashboard
• Various UI Improvements

Version 4.2.27 Release Notes - 2017-02-08

Voyant Adviser

• Subscription Owners and Managers are restored client Export capability by default.
• Regular Adviser and Auxiliary/Paraplanner users must be explicitly granted the 'Client File Exporter' role by a subscription Owner or Manager on the Voyant web site in order to export client records out of Voyant. For more detailed information, check out this help topic.

Version 4.2.10 Release Notes - 2016-12-01

Voyant Adviser

• Added Refundable Quebec Abatement (16.5% of basic federal tax) and corrected handling of nonrefundable credits
• Added Taxes Chart

Adviser Go

• Added Import feature- now you can import clients from different integration services
• Added Rebrand support
• Various UI Improvements