•Update log for 2026.1.31

oNew/Updated Features

▪COW Storyboard Improvements:

•Conceptual PEM

oAdded a new click-option to individually hide risk & safe tanks

o"Liability" label changes to "Debt" when the liability exceeds all saved funds.

oAdded Legacy Provider scenario option.

•Added new Debt Elimination (snowball/avalanche) calculator.

•Market History now has a 'Buffer' optional limit which can be used to absorb a specified amount of downside risk. For example, if Buffer is enabled and set to 9%, and the market return is originally -15%, then the buffered market return would be -6%.

▪Financial GPS Improvements:

•New 'Save DB' option in Step 7 is available (and defaults to being enabled) when 'Save Excess' is turned off. This new feature will deposit policy death benefit payouts to the account of your choice, keeping them from being automatically consumed by lifestyle (as is the case if both 'Save Excess' and 'Save DB' are both disabled.)

•Added [Income Ordinary], [Taxes Ordinary %], [Taxes Marginal %], [Taxes Margin Headroom], [Income Capital Gains], [Taxes CapGains %], [Taxes Potential Ordinary %], [Taxes Potential CapGains %], [Taxes Potential] to Cash Flow Detail report.

•Added [Income Ordinary], [Taxes Ordinary %], [Taxes Marginal %], [Taxes Margin Headroom], [Income Capital Gains], [Taxes CapGains %], [Credit Line Remaining], [Liquidity] to Annual Summary report.

•You can now enter the LTC Benefit Pool (think multiplier features) and LTC Maximum Monthly Benefit limits for Annuities and CVLI accounts to better support common LTC riders. This is accomplished by turning on [Advanced Options] and adding [Additional Actions] for [LTC Benefit Pool] and [LTC Max Benefit M] respectively.

•FGPS->SG scenario migration with hazards will append the hazard type to the SG scenario name (to better tell multiple migrations apart.)

▪Spending Game Improvements:

•Added Client & Spouse Life Expectancy Age (LE). This works similarly to FGPS and will trigger end-of-life events  such as death benefits/estates being disbursed, contributions cease, and (most) inflows stop. Specifically:

oOrdinary inflow accounts owned by deceased will stop.

oInflow accounts (marked as having survivor benefits) could provide a % survivor benefit. Inflow accounts (marked as SS) will allow the SS account with a survivor benefit to continue and ignore any remaining SS inflows.

oAnnuity accounts with income rider & survivor benefit (so marked) could provide a continued income stream until last to die. Otherwise, if no survivor benefit, income rider guarantee stops at owner death and survivor assumes policy with existing balance in place.

oAt owner death, TDBT & Qualified Annuity account RMDs are based on spouse age (assumption is that spouse assumes qualified plan account/or rolls over to similar spouse owned account.)

oJoint ownership accounts trigger ‘death’ functionality at last to die age.

oOption for Loan payoff @ death of owner. (use case: policy loan simulation, etc.)

oETR Filing status will change to "Single" (U.S. only)

•ETR with overrides. Added ability to calculate estimated tax rates (ETR) and then turn it off, but have the option to keep the existing calculated rates in place. Doing this allows you to then manually override specific year-by-year tax rates in order to model hypothetical future rate changing events.

•Added Financial Fact Check feature to SG scenarios. Also added a Fee column to the Future Lifestyle Sources section.

•Alphabetized the list and added [Taxable Income Ordinary], [Taxes Ordinary %], [Taxes Marginal %], [Taxes Margin Headroom], [Taxable Income Capital Gains], [Taxes CapGains %], [Credit Line Remaining], [Liquidity] to the Summary Values list in Visualizations.

•Added [Taxable Income Ordinary], [Taxes Ordinary %], [Taxes Marginal %], [Taxes Margin Headroom], [Taxable Income Capital Gains], [Taxes CapGains %],  [Taxes Potential Ordinary %], [Taxes Potential CapGains %], [Taxes Potential], [Net Worth] columns to the Cash Flows worksheet (hidden by default.)

•Updated PEM Visualization report to include selected summary values if they are visible at the time the report is generated.

•You can now enter the LTC Benefit Pool (think multiplier features) and LTC Maximum Monthly Benefit limits for Annuities and CVLI accounts to better support common LTC riders. This is accomplished by first displaying the [LTC Benefit Pool] and [LTC Max Benefit M] columns via the account column chooser and then entering at associated values. (Obviously, you will need to also turn on the LTC rider option in the account details for these values to have any effect.)

•Added a new TDBT account reallocation strategy to support Roth Conversions up to a specified marginal tax threshold.

•Added support for Taxable account in-kind transfers. This is facilitated through the use of new [Balance Adjustment] and [Basis Adjustment] columns.

•Added Hazard modeling functionality!

oJust like in FGPS, you now have the ability to inject a significant event into your SG scenario(s) and see how the model responds. Hazards include: disability, inflation, long term care, major liability, market volatility, premature death, and tax rate changes. Simply click the hazard icon (located near the filter and column chooser icons.)

oWhile the hazard is active, you can navigate to any of the Spending Game screens to see how the model responded.

oYou can also make modifications such as re-balancing cash flows while the hazard is active. However, any changes only effect the temporary hazard model and will not affect your original starting scenario (which is a good thing.)

oShould you want to save a copy of the scenario in it's "hazard" state, you can do so using the "clone" icon that appears in place of the normal save/undo icons.

oTo remove the hazard, simply select the hazard icon again, select [Clear Hazard] then click [Apply].

oTweaks

▪Market history and inflation updates for FY2025

▪Added a Two-Factor authentication option (2FA) which can be enabled in settings.

▪TVM calculator Documentation schedule now includes additional columns providing [Cumulative Contributions], [Cumulative Withdrawals], and [Cumulative Growth/Interest]

▪Moving forward, miscellaneous bug fixes, typo corrections, wording updates, and data entry safeguards added to address issues reported by our members or discovered by our team will be implemented and released on the web platform as soon as they are available. Update patches to the desktop and mobile versions will continue to be released on an as-needed basis.