Products

ASI Wealth Manager^®

The Industry’s First Comprehensive Platform for Goal Directed Investment Management

ASI Wealth Manager is the first end-to-end application for goal-directed investment management that couples institutional caliber analytics and holistic management of the household balance sheet. Leveraging a patented process, ASI Wealth Manager enables institutions and their advisors to offer a comprehensive goal-based investment program for the mass-affluent investor consisting of:

• Assessment of a household through a holistic balance sheet approach.
• Goal-based asset allocation and advice based on the financial service provider's capital market assumptions and investment universe.
• A discretionary managed account offering for delegators.
• An advisor workflow to develop, communicate, deliver and implement goal-based advice and account management services.
• An innovative direct investor destination, called goalgami^®, that allows the advisor's client or prospect to engage in the advice process by creating their own goal plan.

Automate the Entire Wealth Planning Lifecycle in a
Highly Scalable Way 

The first solution to bridge the gap between financial planning and investment management, ASI Wealth Manager provides a common analytical framework for:

• measuring and managing risk; and
• integrating financial planning, investment advice, and trade execution.

Key Functionality:
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Financial Planning

View the Household Balance Sheet
View an investor's entire portfolio of resources, including investments, income from employment, pension, 401(k) plans, Social Security and real property as well as liabilities, such as mortgages.

• Evaluate an investor’s resources and liabilities in the context of goals such as retirement income, college tuition and other aspirations. 
• Operate on the basis of a current valuation of all the resources available to the household over time to achieve a holistic, insightful wealth picture.

Analyze the Household Balance Sheet

Measure the household’s ability to fund future cash flow needs based on the household’s available resources. The application compares total resource value to total funding needs.  Leveraging the Margin of Safety, advisors can:

• Provide clients with a direct understanding of the impact of financial risk on the ability of a household to achieve its goals.
• Enable an evaluation of the household’s capacity to bear investment risk.
• Help clients set realistic expectations for life goals and encourage clients to provide information on other assets so a more holistic wealth plan can be achieved.
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Multiple-Goals Orientation
Provide the flexibility to consider a variety of goal types and goal prioritization schemes that accommodate how different investors think about their financial lives. 

Financial Plan Risk Analysis

Identify how attainable clients' goals are. Leverage Advisor Software's institutional-caliber analytics to simulate recommended strategies and analyze potential investment outcomes and scenarios.

Personal Investment Policy Statement
Create the most optimal path towards empowering investors to achieve their goals by generating a dynamic investment portfolio and wealth plan.  Leveraging Monte Carlo simulation, advisors can analyze potential outcomes and possible scenarios to consider the performance of recommended strategies over time.  ASI Wealth Manager is the only application on the market that allows advisors to deliver an investment strategy that utilizes dynamic asset allocation, asset location and security selection.      

• Allocate client assets according to institutional-style parameters.
• Consider both short and long-term liabilities, taking these into account to fund all future liquidity events.
• Generate a recommended tax-efficient investment structure for maximizing expected returns, given the client’s risk budget. 
• Determine the most appropriate investment structure for multiple accounts and produce an aggregate recommended investment structure across all accounts.   

Portfolio Construction

Investment Recommendations

• Produce the recommended portfolio of investments to implement the recommendations.
• Take advantage of a broad investment product universe including mutual funds, stocks, bonds, exchange traded funds (ETFs), separately managed accounts (SMAs), American depositary receipts (ADRs) and variable annuity sub-accounts.
• Deliver a recommended, tax-optimized trade list for a single account or multiple client accounts.

Cash Flow Analysis
Ensure that an investor's resources are on-track to meet his or her goals.  Better understand future cash needs and determine whether or not clients can realistically fund their goals.  Based on resources, liabilities and goals that the advisor enters into the system, Cash Flow Analysis performs calculations based on a specific time period and estimates cash inflows and outflows over the client’s lifetime.

Ongoing Monitoring and Management

Leverage a system that monitors and adjusts client's investments automatically, enabling advisors to more efficiently service client accounts and focus on improving client relationships.  Using institutional-caliber analytics, ASI Wealth Manager enables advisors to:  

• Proactively monitor client portfolios to determine if a change in strategy is required due to changes in client circumstances or significant market movements.
• For managed accounts, automatically generate rebalancing trades to keep the investment plan on track and help clients achieve their goals.
• Provide quarterly performance reports to highlight actions taken during the quarter and demonstrate that clients are on track to achieve their investment objectives.

Other Key Features:

• Enables full integration with enterprise applications and databases including user authentication and trading solutions.
• Allows full consideration of the household balance sheet, including held-away assets and accounts through data integration.
• Provides the flexibility to host the solution in-house or leverage Advisor Software’s hosting arrangement.