Voyant Ireland Adviser Previous Release Notes

Version 4.0.17 Release Notes - 2015-05-28

Fixes and Improvements in version 4.0.17

• Cleared errant Finametrica warning icon
• Improved layout on investments chart detail panel
• Reset previous year payout and withdrawal amounts for Income v. Expenses Yearly report

Version 4.0.16 Release Notes - 2015-05-15

Fixes and Improvements in version 4.0.16

• Updated preferences to allow certain preferences to be defaulted to null rather than the system preference value.
• Made Fact Find more tolerant of inputs with commas or spaces.

Version 4.0.15 Release Notes - 2015-05-13

Fixes and Improvements in version 4.0.15

• Updated Net Worth chart to include only client assets that aren't trusts
• Added a new Plan Worth Chart
• Updated Ireland Taxes Detailed Report
• Added new IE Taxes Detailed Excel Report
• Added missing 'Recur' option on the Transfers / Additional Contributions panel for savings
• Corrected issue in Income v. Expenditures Yearly report where bonuses were hidden in special cases
• Corrected report generation issue which occurs when Market Assumptions' name has an '&'
• Corrected issue where exception occurs when clicking away from running calculation

Version 4.0.14 Release Notes - 2015-04-21

Fixes and Improvements in version 4.0.14

• Created a cleaner detail view to show multiple crystallisations in the same year caused by partial annuitisation, scheduled, and as-needed drawdown.
• Default state pension to currently receiving benefits if the normal start age falls before the start of the plan
• Corrected issue with onshore bond basic rate taxes on taxable withdrawals.
• Corrected issue with fact find which occurs when no account type is provided.
• Made several UI improvements
• Made numerous partner integration improvements and corrections

Version 4.0.12 Release Notes - 2015-04-12

Fixes and Improvements in version 4.0.12

• Expenses Step Up / Step Down sections show selected frequency of values (monthly or yearly)
• Removed strange character from Annuities Death Benefit section

Version 4.0.11 Release Notes - 2015-03-21

Fixes and Improvements in version 4.0.11

• Fix issue with icons for University events.
• Corrected plan calculation failure due to Critical Illness Insurance in certain situations.
• Updated Word Net Worth report to include final year.
• Make sure DIRT tax is charged for individual default cash accounts.

Version 4.0.10 Release Notes - 2015-03-10

Fixes and Improvements in version 4.0.10

• Correct display problem with legacy overview screen.

Version 4.0.9 Release Notes - 2015-03-09

Fixes and Improvements in version 4.0.9

• Critical Illness payouts may now be limited to linked debt liabilities.

Version 4.0.7 Release Notes - 2015-02-22

2015 Pension and Tax Updates

• Lowered ARF imputed distribution rate to 4% for individuals under the age of 71 and with cumulative pension balances of less than €2,000,000.
• Set the ARF imputed distribution rate to 6% for individuals of all ages with pensions over €2,000,000.
• Added new AMRF drawdown allowance of 4% of the AMRF value.
• Updated 2015 tax rates and thresholds.

Other Fixes and Improvements in version 4.0.7

• Fixed plan update issues related to plans containing decreasing term life insurance.
• Corrected partner integration issues related to monthly annuity and final salary incomes.
• Numerous user interface and report layout improvements.
• State Pension recipients now receive the PAYE tax credit

Version 4.0.6 Release Notes - 2015-02-06

Fixes and Improvements in version 4.0.6

• Overview - Balance Sheet should reflect beginning of year balances and thus should not show property in the year purchased.
• Two-step authentication - fixed an issue where MFA verification and terms acceptance prompt caused incorrect redirect.
• Numerous partner integration improvements and bug fixes.
• General UI improvements (No chart colors were harmed in the making of this release)

Version 4.0.5 Release Notes - 2015-01-23

Fixes and Improvements in version 4.0.5

• Corrected Mac OS issue where Timeline only shows primary person
• Fixed addition issue on Family Balance Sheet - All Years (Word report)
• Suppressed embedded styles in Plan Notes section
• Updated Finametrica demographic questions for Ireland
• Added 'Include Real Property' and 'Include Pensions' to Optimize Allocation screen for AXA Elevate users
• Fixed issue where Asset Allocation Overview 'Include Real Property' showed incorrect amount allocated.

General UI improvements

• Updated Asset Allocation pie chart colours to better differentiate sections
• Added space on Income v. Expenses and Balance Sheet panels to allow for more descriptive text
• Updated colours on Timeline events (hover) for legibility
• Improved layout on Finametrica Risk, Balance Sheet and Income v. Expenditures Reports

Version 4.0.4 - 2015-01-13

The Voyant ORIGINAL chart colours are back! Now if I might divert your attention.... how about that new Cadbury Creme Egg recipe?

Other Fixes and Improvements in version 4.0.4

• Improved the layout of the asset allocation overview to avoid scrolling.
• Corrected an issue with the contribution type selections for employer contributions on the pension screen.
• Fixed a text highlighting issue on the plan update wizard.
• Increased text size for readability on the plan notes screen.

Version 4.0.3 - 2015-01-12

By popular demand, the "old man socks" colour palette is back for Voyant charts.

Thanks for the feedback on the new UI. Additional suggestions for improvement will be incorporated in the next release.

Other Fixes and Improvements in version 4.0.3

• Fixed a login issue affecting AXA Elevate users.
• Corrected desktop icons for some entity groups.
• Returned the fourth child to the timeline screen.

Version 4.0.2 - 2015-01-10

Voyant is starting off the new year with a new style. We hope you dig it!

Other Fixes and Improvements in version 4.0.2

• Asset allocation overview - added a checkbox to the property screen to specify if the property should be included in the overall asset allocation overview (when the option is selected on the asset allocation overview screen to include property).
• Decreasing Lump Sum Term Policies may now have their rate set at zero.
• Capital acquisition tax details added to the IE reports.

Version 3.7.12 Release Notes - 2014-11-24

Fixes and Improvements in version 3.7.12

• Default Insurance/Protection policies to the start event if no event selected for convenience.

Version 3.7.11 Release Notes - 2014-11-01

Fixes and Improvements in version 3.7.11

• 2015 Budget rates and thresholds updates.
• Unit Linked Investment - Exit Taxes are not applied at liquidation
• Insurance payouts - For cases where an insurance beneficiary is predeceased, payout to a contingent beneficiary instead to the estate of the insured.

Version 3.7.10 Release Notes - 2014-09-23

Fixes and Improvements in version 3.7.10

• Corrected issue with the PDF fact find data reader related to the handling of commas in item names.
• Fixed an issue with annuities where future purchases were not using the "specified" calc method and annuity rate.

Version 3.7.9 Release Notes - 2014-09-17

Fixes and Improvements in version 3.7.9

• Corrected the exit tax rate for 2014 and later to match DIRT rate.
• Fixed the child benefit annual amount from €1690 to €1560.

Version 3.7.8 Release Notes - 2014-09-01

Fixes and Improvements in version 3.7.8

• Corrected issue with ignored preferred funding items for debt payoff.
• Improved handling of disability insurance "coverage inflation rate" for employment linked insurance. If specified, this inflation rate will be used to escalate the payout amount when the policy is in payment rather than the linked employment's growth rate
• Added child benefit credit by default for any plan with children up to age 16. These defaults may modified for each child by editing on the child's info People screen.

Version 3.7.4 Release Notes - 2014-08-07

This release primarily contains improvements to tax calculations.

Fixes and Improvements in version 3.7.4

• Estate Tax- correct issue related to displaying ARF distributions.
• Improved USC calculation to apply USC reduction rates for workers over 70 (and medical card holders) with earnings under 60K
• Added self-employed USC 3% surcharge for self-employed income over 100K
• Added separate display of self-employed income and benefits on taxes detailed chart information dialog.
• Sale of vehicles and boats will now not incur capital gains tax even if there are gains realized upon their sale
• Allow other income to specify whether to incur USC and PRSI
• State Pension items that don't specify USC or PRSI as applicable, do not incur these taxes
• Apply CAT to "Gifts" windfall type rather than taxing as income.
• Expenses - added ability to specify an ordered list of preferred payment sources instead of a single preferred payment source.

Version 3.7.1 Release Notes - 2014-06-06

Fixes and Improvements in version 3.7.1

• Converted money purchase pension crystallization details to show remaining LTA instead of total to better illustrate instances where multiple funds crystallize in the same year
• Added final salary crystallization details to info screen
• Include the age of client next to their name on the overview screen when looking into a future date for both the income/expenditure and balance sheet
• Word Account Details report was not showing yearly withdrawals.
• Life Needs Analysis - change to default the spouse or non-married partner as the beneficiary for the life insurance rather than the estate to handle cases where the estate distribution plan does not include the spouse or non-married partner.
• Equity value of property calculated differently on Excel reports.
• Correct tax rate for Money Purchase / AVC over the standard fund thresholdCorrect tax rate for Money Purchase / AVC over the standard fund threshold

Version 3.7.0 Release Notes - 2014-04-25

Fixes and Improvements in version 3.7.0

• Added fillable fact find support for the Ireland Edition. The fillable fact find template and PDF will be released separately.
• Corrected duplicate display of Capital Acquisition Tax summaries for join mortality scenarios.
• Added options to the Asset Allocation overview to selectively include real property and pensions.

Version 3.6.27 Release Notes - 2014-04-12

This release fixes issues caused by changes made by FinaMetrica to images in their risk profile reports.

Version 3.6.26 Release Notes - 2014-04-04

Fixes and Improvements in version 3.6.26

• Fixed an issue with Equity Release plans when there is no retirement event.
• Investment Fee rates are now properly applied based on type: Tax Free, Tax-Deferred, Taxable
• Fixed error on Asset Allocation Overview screen and reports when only Agreed Risk Profile score is present

Version 3.6.24 Release Notes - 2014-02-25

Fixes and Improvements in version 3.6.24

• Improved estate handling of properties to prevent liquidation at mortality due to unfulfilled linked debt of a trivial amount.
• For property with linked expenses which is transferred to non-legal partner at death, make sure expenses are transferred as well.
• Needs Analysis - corrected the growth rate applied to the regular savings needs analysis simulated account when plan preferences "Use asset allocation for growth" is selected.
• Allow portfolio accounts and joint life unit-linked policies to transfer to a surviving spouse at first mortality.
• For joint life unit-linked investments, corrected the exit tax calculations to prevent exit taxes at first mortality.
• Corrected the legacy overview screen to display the CAT/IHT calculations from the final year of the plan.
• Carried forward personal tax credit values from 2013 to 2014
• Improved the default ownership of expenses in plans with non-married partners to be jointly owned by both partners and consistent with the defaults for plans having married partners.

Version 3.6.23 Release Notes - 2014-02-02

Fixes and Improvements in version 3.6.23

• Corrected cost basis adjustment of transferred investments and properties at first mortality.
• Fixed estate overview display of debts when paid at mortality by linked endowment protection policies.
• For properties scheduled to liquidate at first mortality prior to the last year of the plan, liquidate before IHT/estate handling to provide clearer IHT estate summary.
• Fixed an issue where debt transferred to the join owner at mortality shows as a shortfall.

Version 3.6.21 Release Notes - 2014-01-22

Fixes and Improvements in version 3.6.21

• Improved IHT / estate handling to allow real property to transfer to unmarried partners by default.
• Improved the display of debt secured by property on the estate overview screen for joint mortality scenarios where the partner is assumed predeceased upon simultaneous death.
• Fixed display issue in Income vs Expenditures report where incomes with dividends were showing being double counted.
• Fixed an issue with the investment account cost basis not being carried through to the plan update wizard.

Version 3.6.17 Release Notes - 2013-11-20

Fixes and Improvements in version 3.6.17

• Added a new "Fact Check" report detailing all preferences and data entered into a Voyant plan.
• Corrected the Voyant desktop link issue for Mac OS X Mountain Lion and later releases.
• Added permission attributes to the Voyant Adviser application resources to avoid Java security warnings.

Version 3.6.14 Release Notes - 2013-10-28

October 2013 Budget Report Updates for 2014

• DIRT rate increased from 33% to 41%.
• Standard fund threshold decreased from €2.3 mil to €2 mil.

Other Fixes and Improvements in version 3.6.14

• Corrected issue with fulfillment of expenses from unit linked investment accounts. Withdrawal amounts are now grossed up to account for exit taxes.
• Fixed AMRF sub-account value display issue as the account is drawn down to zero.
• Corrected unit linked investment modeling so that those purchased prior to 2001 do not incur the 8 year gross rollup.

Version 3.6.10 Release Notes - 2013-09-17

Fixes and Improvements in version 3.6.10

• Corrected issue with employer contributions to occupational pensions where contributions were being considered as benefits in kind.
• Corrected the handling of incomes linked to properties at mortality. Individually owned asset linked incomes may not be used to pay off debts at mortality since the asset will either be liquidated or transferred.
• Fixed estate handling issue with individually held secured debts where no other funds are available to fulfill the debt at mortality.
• Improved plan promoting and updating wizard.

Version 3.6.9 Release Notes - 2013-08-17

Fixes and Improvements in version 3.6.9

• Fixed Income V. Expenses and Balance Sheet Reports to include spouse again.
• ARF and AMRF - Fixed regression with ARF forced annuitisation where multiple accounts are entered which fulfill minimum AMRF requirement
• Added AMRF sub-account value to the pension details screen
• Added validation for Defined Benefits plans which used the value of "Maximum" for the Lump Sum cummutation type. This option is no longer valid.

Version 3.6.6 Release Notes - 2013-08-10

Fixes and Improvements in version 3.6.6

• Corrected handling of ARF/AMRF accounts to prevent drawdown of the AMRF subaccount when multiple ARF/AMRF accounts are entered.
• Removed incorrect maximum lump sum limit placed on commutation of defined benefit plans.
• Fixed calculation of income relief to exclude employer matching.

Version 3.6.5 Release Notes - 2013-07-25

Fixes and Improvements in version 3.6.5

• Reverted previous change that allowed plans to extend beyond the last to die.
• Added personal fund threshold for protected pensions higher than the standard threshold

Version 3.6.4 Release Notes - 2013-07-22

Fixes and Improvements in version 3.6.4

• Corrected an issue with the timeline when non-legal partners are selected.
• Created a separate chart view for Liquid Non-Pension Assets and restored Pensions in the default Liquid Assets view.

Version 3.6.3 Release Notes - 2013-07-20

Fixes and Improvements in version 3.6.3

• Plan calculations may now be stopped at any event - either before or after plan member mortality ages
• Expense info now arranged by order of fulfillment on the detailed expenses screen
• Removed Pensions from Liquid Assets chart
• State pension age for individuals born in 1948 and earlier eligible for transition
• Reverse Mortgage - allow selection of events when linked
• Asset allocation added to holdings info for custom market assumptions

Version 3.5.8 Release Notes - 2013-06-25

Fixes and Improvements in version 3.5.8

• Fixed bug that caused some what-if plans to calculate differently from base plan
• Equity Release plan - fixed display of projected payment. Added ability to start equity release plan at a later time after linked asset is acquired in plan.
• Pensions - set maximum lump sum to 1.5 x salary or 25%, whichever is greater... .fix this also for the case where crystallized years after employment ends

Version 3.5.7 Release Notes - 2013-05-27

Fixes and Improvements in version 3.5.7

• Fixed handling of individually owned debt at mortality when all assets are transferred to the spouse.
• Corrected issue where preferences in base plan could not be set to zero.
• Added death payout option to unit linked investment.
• Added detail section on the defined contribution screen to link defined pension plans to employment.
• Fixed issue with computing occupational pension lump sum as a salary multiplier when employment stops several years prior to pension crystallisation.
• Removed defined contribution pension lump sum limit from option type "OTHER" to allow for corner cases where the limit is not 25% of the fund or 1.5 x salary.
• Finametrica 2.0 updates.

Version 3.5.6 Release Notes - 2013-05-10

Fixes and Improvements in version 3.5.6

• Fixed FinaMetrica 2.0 issue with converting version 1.5 profiles to version 2.0
• Fixed issue with FinaMetrica 2.0 comfort zone meter
• Corrected Ireland state pension survivorship issue.
• Improved the compare plans UI visibility.
• Corrected date format on the update plan wizard screens.
• Corrected item delete issue when the item name contains html tags.
• Voyant Server - For self-hosting clients, added proxy server support for outgoing requests from Voyant Server.

Version 3.5.4 Release Notes - 2013-04-19

Fixes and Improvements in version 3.5.4

• Relaxed employer contribution limits to occupational pensions.
• Corrected issue with setting taxation properties of income protection plans.
• Finametrica - Added support for Finametrica 2.0.

Version 3.4.19 Release Notes - 2013-03-15

Fixes and Improvements in version 3.4.19

• Fixed PRSI calculations for clients at age 66 or over.
• Corrected property linked income and expenses to exclude the year of planned property liquidation since the planned liquidation is deemed to occur at the beginning of the year.
• Fixed cash flow chart display issue where annuity payments were not being displayed in the first year of retirement fund annuitisation.
• Corrected an out of memory error caused by viewing version history for clients with a large number of versions in the local db.

Version 3.4.17 Release Notes - 2013-03-04

Fixes and Improvements in version 3.4.17

• Reverted minimum retirement fund and income requirements back to €63,500 and €12,700 per Finance Act 2013.
• Change defaults for ARF withdrawals to AS NEEDED instead of maximum
• Corrected issue where DIRT was incorrectly applied to Unit Linked Investments and ARFs
• Corrected taxation of disability payments.
• Improved fixed w/ inflation withdrawal option on savings account.
• Corrected an issue with the Family Balance Sheet report encountered on some Mac OS systems.

Version 3.4.16 Release Notes - 2013-02-12

Fixes and Improvements in version 3.4.16

• Fix labels in some chart legends
• DIRT Tax fix to base refundable calculation on total income instead of just earned income
• Plan update error when including child plans
• Overview screen error for child plans with deleted items
• Order of items in detailed asset charts now matches order of the underlying categories in the non-detailed asset charts

Version 3.4.13 Release Notes - 2013-01-04

Budget 2013 Updates

• DIRT on deposit interest increased from the present rate of 30% to 33% for 2013.
• Capital gains tax rate increased from 30% to 33%.
• CAT rate increased from 30% to 33%.
• CAT thresholds have been reduced by 10%. The new threshold amounts are Group A - €225,000, Group B - €30,150 and Group C - €15,075.
• PRSI free allowance of €127/€6,604 per annum eliminated.
• Other items updated to reflect 2012 values which are unchanged for 2013 - Cap gains tax brackets, income tax brackets and income tax credits.

Customisation of future escalation rates for allowances and thresholds is now available for white labeled configurations of Voyant. Contact support if you subscribe to the white labeling service and would like to cutomise these projections.

Other Fixes and Improvements in version 3.4.13

• Corrected tax calculation issue which incorrectly omitted pension annuity income.
• Add calculation of PAYE for Irish qualified annuity payouts.
• Added Net Worth data table to reports.
• Added gender selection to other person screen.
• Corrected issue with employment incomes being improperly adjusted to include bonus in base amount on update.
• Finametrica - Added individual agreed scores entry for primary and spouse to the stored results.

Version 3.4.12 Release Notes - 2012-11-14

This release corrects the calculation of exit taxes for jointly held unit linked investments.

Version 3.4.11 Release Notes - 2012-11-11

In this release...

• This release handles a bug in Java which prevents some Mac users from launching Voyant.
• Added "PDF" as an importable extension allowing the Fillable Fact Find PDF to be opened in Voyant.
• Corrected an issue in the Fillable Fact Find encountered when a child is included in the Fact Find but a spouse is not.

Other Fixes and Improvements in version 3.4.11

• The Estate and Inheritance Overview Report in Excel is now correctly subtracting debts.
• Several screens were updated to correctly show the Euro (€) instead of the Pound Sterling (£).

Version 3.4.7 Release Notes - 2012-09-14

This release is the first installment of several planned estate distribution enhancements.

In this release...

• Simultaneous Death - The assumption of a will with a simultaneous death clause has been removed. For the joint immediate legacy calculations, the youngest person is deemed to have survived the eldest person. An option is now provided in plan preferences to change this assumption such that each are deemed predeceased in the event of simultaneous death.
• Property ownership - Handing of joint tenants and tenants in common ownership of properties has been improved to correctly reflect the disposition of the property at mortality. Further, individually held properties or properties held as tenants in common are no longer liquidated at mortality in cases where the estate distribution plan is 100% to the spouse.
• Investments - Unwrapped and cash investments are also no longer liquidated in 100% to spouse scenarios.

Other Fixes and Improvements in version 3.4.7

• Special events such as disability, critical illness, and long term care now allow modification of the "owner".
• For consistency, the "Use Asset Allocation for Account Growth" setting has been moved the asset allocation screen for all account types.
• Credits/Income funding sources for contributions are now correctly prioritized based on the target account owner.

Version 3.4.6 Release Notes - 2012-08-27

Fixes and Improvements in version 3.4.6

• Property - Fixed behavior of linked Expenses and Incomes when displaying details sections as a popup.
• Taxes - Correct issue with PAYE tax credits being applied to self-employed.
• Employment - Corrected display of monthly/annual selector for employment input

Version 3.4.4 Release Notes - 2012-08-10

Fixes and Improvements in version 3.4.4

• Real Money Charts - Corrected account details printable chart display of real money account values.
• Timeline - Corrected issue with stage corruption following plan promotion. Also fixed issue with timeline scaling when mortality placeholder event is added to the end of final stage.

Version 3.4.2 Release Notes - 2012-07-21

Fixes and Improvements in version 3.4.2

• Cash Account Sweep - Corrected an issue with cash accounts sweeping into spouse's accounts after mortality.
• ARF/AMRF - Correct AMRF calculations to consider all retirement fund accounts when computing withdrawal limit and RMD.
• Detailed Cashflow Chart - Added chart series for ARF/AMRF pension withdrawals.
• UI - Changed event icons to show the Euro vs. GBP.

Version 3.4.0 Release Notes - 2012-07-01

Version 3.4.0 brings an updated and enhanced user interface (UI) to Voyant.

The most noticeable change is the way Advanced Settings are displayed and edited. By default, each individual advanced detail section will popup into its own separate dialog. This provides more room for editing items such as "Step Up/Step Down" or Transfers.

If you prefer the previous expand collapse mechanism, a new preference in the "Application Preferences" section, "Edit Advanced Details in popout dialogs", can be unchecked to restore the functionality to the previous mechanism.

In addition to numerous cosmetic changes, certain data entry screens have been re-organized to make basic data entry as easy as possible.

A line showing the total basic expenses in each year can now be shown on the Cashflow charts. This line simply shows the total for all expenses categorized as Basics. Keep in mind that this line does not include any tax expenses. The line can be toggled on and off from the Plan Preferences, or from the "Show/Hide Basic Expenses" link underneath the chart.

An option on debt has been added to allow one to declare the "Interest is tax deductible" on a debt.

Other Fixes and Improvements in version 3.4.0

• Debt Screen - add ability to link asset to debt from the debt screen. Removed this from the property screen.
• Open Client Record dialog now remembers previous search parameters
• Customer Service Dialog - added fields to provide info about the particular plan for which support will be requested

Version 3.3.23 Release Notes - 2012-06-21

This release is a simple maintenance release to update the Voyant security signature which was set to expire on June 22, 2012.

Version 3.3.21 Release Notes - 2012-06-05

Fixes and Improvements in version 3.3.21

• Added IE specific estate distribution rules and Capital Acquisition Taxes.
• Improved fulfillment item sorter for singly owned expenses such that user entered primary and spouse individually owned cash accounts are given the same priority as default cash accounts (i.e. primary and spouse individual cash accounts will now be used for the other's individually owned expenses).
• Fixed an employment linking issue on the disability screen in What-If plans.
• Corrected an issue with the Finametrica overview screens which caused the spouse fields to remain hidden after opening a single client plan.
• Fixed an issue with calculating interest yield returns when the standard deviation provided in the user entered market assumption is zero.

Version 3.3.19 Release Notes - 2012-05-21

Fixes and Improvements in version 3.3.19

• Added support for Offset Mortgages.
• Corrected handling of benefits-in-kind in the end of year tax computation when multiple employment items are entered.
• Fixed data entry issue with increasing/decreasing lump sum term assurance.
• Corrected PRSI calculation and PAYE where there are pension contributions

Version 3.3.17 Release Notes - 2012-05-07

This update adds improvements to the recently introduced Income vs. Expenditures screen. Clickable links have been added to each item in the Income vs. Expenditures screen, as well as the Family Balance Sheet screen, to the data entry screen for the clicked item.

Additionally, each year of the plan may be viewed on both the Income vs. Expenditures and Family Balance Sheet screens.

The Income vs. Expenditures also adds an optional checkbox to toggle whether income from pension drawdowns and other withdrawals are included in the income portion of the statement.

Fixes and Improvements in version 3.3.17

• Irish State Pension added
• Allow pasting from MS Word documents into Plan Notes
• added in savings growth rate, property growth rate, salary growth rate into the Assumptions PDF, Word and Excel reports.
• Imrproved validation for decreasing lump sum insurance policy

Version 3.3.16 Release Notes - 2012-04-21

Fixes and Improvements in version 3.3.16

• Added an Income vs. Expenditures view to the Overview screen and fixed layout issues in the Income vs. Expenditures report.
• Enabled recurring transfers from surplus income.

Version 3.3.15 Release Notes - 2012-04-09

Voyant Adviser - Ireland edition is now available as a Beta release.

Features include:

• Irish taxation compliance.
• Customised pension and investment products.

Upcoming enhancements:

• Capital acquisition tax calculations and estate summary.
• Improved pension crystallisaton and taxation reporting.