Goals-Based Planning helps manage market uncertainty and the complexity of financial planning and empowers advisors to take an integrated, holistic approach to financial advice with OPAL Financial Planning!
OPAL Financial Planning translates clients’ goals into a personal & actionable plan based on a holistic overview of a client’s financial situation.
It provides realistic projections of how an individual client’s investment portfolio will grow over time, allowing for timely course corrections in case long-term goals are off-track due to changes in financial situations or portfolio performance. This solution supports clients and advisors to manage their long-term goals efficiently, while simultaneously increasing its probability of success.
Key benefits
- Forward-looking insights based on dynamic economic scenarios to support clients in their investment decisions, considering an uncertain market environment
- Fully integrated cashflow and wealth planning tool for a holistic view of the client situation
- Monitoring client portfolios and goals at scale, alerting advisors when client goals are off-track
- Hybrid advice-based approach
- Scalable solution for all advice channels through APIs as well as a plug-and-play user interface
- Fully compliant with legislation & regulations
- Enhances client engagement whilst increasing client trust
Integrated Cashflow and Wealth Planning
Integrated cash flow planning allows to easily identify possible budget shortfalls or surpluses, which supports efficient decision-making. OPAL differentiates itself from all other financial planning tools by integrating the impact of investment risks on the realization of goals.
OPAL is commonly used in retirement planning (accumulation and decumulation providing insight into the longevity risk). A process to determine a suitable portfolio is integrated and in line with regulations.
Unique analysis based on economic scenarios
The unique and powerful combination of dynamic economic scenarios, used and proven in the institutional market globally and adjusted monthly, with individual client portfolios and goals enables advisors to have a realistic view of future asset growth to monitor and manage client goals.
24/7 Monitoring, alerts and calls for action
As client’s financial situations or market conditions change, the feasibility of all client goals is automatically updated and support off-track signaling, with calls to action if needed. Continuous monitoring of the risks, return and financial goals of individual clients for the entire client base allow for proactive and more efficient client management.
If you would like to receive more information, a demo, or have any questions, please contact us below.
Download OPAL planning brochure
Scalable solutions for all advice channels
The OPAL Financial Planning solution is available through APIs as well as a plug and play user interface with alerts and optimization capabilities.
OPAL Financial Planning API allows to implement the capabilities directly into existing platforms or client-facing web applications, supporting robo-advice client journeys, hybrid advisor experience or other technology platforms. The user interface can be linked to external data sources, supports single sign on and the look and feel can be adjusted to provide a seamless experience for the user.
OPAL Financial Planning is an easy-to-use solution for the advisor implementing a goal(s)-based advice in an efficient way. Our UI has detailed cash flow analyses supporting the definition of goals and translating these in an optimal investment strategy. These goals are monitored over time and supports the advisor in a pro-active approach to manage clients at scale. No need to build it on your own, just connect and go.
A few of our clients
If you would like to receive more information, a demo, or have any questions, please contact us below.
Don’t take our word for it! This is what our clients say...
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Iwan Schafthuizen
Managing Director Business Development and PlatformsRelated Insights
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18 December 2024Climate change could erode Canadian pension fund returns by 44%Ortec Finance releases inaugural Canada pension fund climate risk report, analyzing the average portfolio allocation of the Top 30 pension funds in Canada by AUM
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17 December 2024Assessing the climate risk exposure of pension funds and insurance companies worldwideAccess a series of Ortec Finance reports to examine how climate risk exposure and resilience vary among pension funds and insurance companies worldwide
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16 December 2024Climate risk assessment – Top 30 US pension fundsDiscover how climate change impacts the US pension fund industry through an analysis of their climate risk exposure, using Ortec Finance Climate Scenarios
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16 December 2024US pension funds most sensitive to climate changeOrtec Finance releases inaugural US pension fund climate risk report, analyzing the average portfolio allocation of the Top 30 pension funds in the US by AUM
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11 December 2024UK pension fund investment returns could reduce by 30% in a high warming stress scenarioOrtec Finance releases inaugural UK pension fund climate risk report, analyzing the average portfolio allocation from the Top 30 pension funds by AUM
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09 December 2024Ortec Finance warns on impact of climate change on European pension fundsOrtec Finance releases inaugural European pension fund climate risk report, analyzing the average portfolio allocation derived from the EIOPA.
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09 December 2024Investment Performance Service (IPS) -
02 December 2024Ortec Finance warns on impact of climate change on European insurance company investmentsOrtec Finance releases inaugural insurance climate risk report, analyzing the average allocation of a European insurance company derived from the EIOPA.
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02 December 2024Charting the unpredictable: Harnessing data-driven solutions to enhance investment decision making
Discover how pension funds are navigating challenges including ageing populations, DC transitions, climate change, regulatory shifts, and market uncertainties.