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Might not be able to get a clear view

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Software plays a part but the ultimate responsibility in closing sales lies with the financial planner.

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Make it more than just a retirement planning tool.

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Better interface of the software. More interactive and easier to use. Look more appealing to the financial planner

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More graph and visuals would be better in aiding the financial planner to explain simpler and easier for the customer to understand.

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Allows customer to grasp on to what the financial planner is presenting through this powerful tool.

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Very applicable and realistic in forecasting a person retirement fund.

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Very tiring and tedious process of keying in existing policies for customers into the software

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Alot of column, look very clustered and messy. lack of illustration and graphics to assist the customer.

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A software is a tool to assist me in closing the sale. A tool only can assist me and the increase in sales depends on the the person who is pitching the deal.

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It will be beneficial to have graphs.

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Difficult to learn and understand the software and have to relearn.

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For Chee Sia Jiant: Sometimes the client does not know what he wants. (E.g. retirement or insurance planning)

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Average age about 40.
Data range from 30 to 50.

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If you don't have money, you cannot plan

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Want great flexibility of their schedule and also great promotional opportunity

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Advent Connect’s software is good

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Important information needed from client

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Important information needed from client

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As financial advisors, what difficulties do I face?

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As financial advisors, what difficulties do I face?

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Process of conducting retirement planning

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Process of conducting retirement planning

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The calculation is extremely accurate because after verifying it with a manual calculation.

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Make it a more comprehensive planning advisory tools

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The software is extremely technical and numerical. It can be quite difficult to have a clear picture of it or to interpret it on your own without any help.

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Only does retirement planning

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It is able to display the shortfalls very clearly.

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To be able to understand the data and analysis, there needs to be someone there such as a financial adviser to explain it to you.

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The linkage to CPF is extremely smart, useful, powerful, and provide an in-depth analysis.

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It is extremely easy, straightforward, and simple to use, but yet, powerful.

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Majority still uses the same software as they received when they registered only some upgraded to the latest

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Most of them started using the software after attending the course from 2018 to 2019.

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Competitive Advantage of Advent Connect's Software

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Competitive Advantage of Advent Connect's Software

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AIA and Great Eastern has it's own software but it is not as comprehensive as Advent Connect's in terms of retirement planning (e.g yearly cashflow) Hence most financial planners use both to complement one another

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Work in M&D (Government sector) in IT for the first year and the remaining 4 years in HR

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After that I went to the army and once I was fresh out of it, I joined the financial planning industry.

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What I originally studied in polytechnic and university had no relation to my job now as a financial planner.

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Another attractive factor of the financial planning industry is that it has a low running cost compared to other industries.

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Financial planning usually wasn't their first choice

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Goalsmapper is another software that is wellknown amongst financial advisors.
Might be popular due to its graphs and ability to plan for more things, not just retirement

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Laptop is use occasionally to complement the use of ipad.

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Ipad is the most preferred device followed by laptop and pen and paper.

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Most of them had prior experience relative to the industry they are studying before joining the financial planning industry and after they join, they have not chose to left this job.

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Needs to have understanding of CPF and prior knowledge of excel. But Mr Seah course will help them at the beginning and at the beginning it might be abit difficult but after awhile, it is not that hard once familarize with the software.

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Skipped.

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Despite being in excel, it has relatively simple interface and was designed for simplicity in mind

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Despite its simplicity design, not everyone is able to understand and use it efficiently.

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Only started using the software after a second lesson

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Only started using the software after a second lesson

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Not everyone is proficient in using excel. Some are good at it some are bad.

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Communicate with more people

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Able to get promoted easily as compared to other industry

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I chose to join the financial planning industry eventually because of the flexibility I have over my schedule.

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A range of age group.

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Most of them attended the course between 2018 to 2019

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If I change the life insurance portfolio for one person, I have to change for everyone else. Hence, I prefer to incorporate it by complimenting them.

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But because not every client is doing retirement planning, it is very troublesome to add them inside the life insurance portfolio that is part of the retirement planning software. I cannot stand having information in so many different places as I want to have everything in one place.

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I am very comfortable using it and I do not want to change because if I were to change it and use the Advent Connect’s version, I would need to change all of my client portfolio to be stored in the same place and this is very troublesome.

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All the information that I need to input and need to see already has a template set for it. I am very used to it.

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This is because I have my own life insurance portfolio policy. I use my own template on excel because I am already used to using my own version.

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If you are closer with the client, you just need the cpf balances then you can get all the data and you can induce how much income he earns and work back to see whats his basic pay. And if you are able to provide you the cpf statement, and they know that you are careful about the data and shouldn’t be a problem and if not everyone should ask for the start the 3 balances

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Then they will need to see how much CPF they have and see whether all the sum that they have will meet the lifestyle that they want. If it is not enough, then they will address the shortfall.

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I would not say is redundant I think I just dk the strength in using that, but if I know then I use then I won’t be redundant.

Input, cashflow before 55 and I use the input current portfolio, listing down existing arrangement, and the rest I never use. But I wouldn’t say its redundant

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They set a ballpark figure of how much they need and then add everything up to calculate how much monthly figure they need until their retirement age.

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So firstly, they need to determine present value and how much they need; then they need to see what they need to spend money on, such as food, traveling, bills, etc.

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So to present this information, what he needs to do is that they would need to go down to the numbers and see how much they need at the point of time during retirement.

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So for instance, if they just want to have excess money to go shopping once in a while coupled with vacation once a year without financial stress, they are now still working with about 10 to 20 years to accumulate their financials.

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So, what I need is to know what kind of lifestyle they want to have in the future so that I can picture the contrast between their current lifestyle and their future lifestyle so that I can plan out how to get them from their current lifestyle to the future lifestyle that they would want to live gradually. If you want a better lifestyle, you need to set aside more money.

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Thus, the drop or improvement in lifestyle needs to come as a gradual change.

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It is also hard for them to maintain their current lifestyle but choose to drop their retirement lifestyle. Because their current lifestyle has become a habit for them and it is hard for them to live a worse lifestyle when they have more free time and less work.

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However, this is hard for them as it would require them to have a drastic drop in the current lifestyle that they are having. It is hard for them to do so.

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This is because it would determine how much money they generally need.

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However, other than that, I can’t think of anything. It all looks fine. The inputting of value is all very straightforward. I don't think that there is anything that he would like to have to be improved.

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iPad to do the calculation and then write it down via pen and paper to present it.

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Thus, I end up not using it a lot as I usually just do it in pen and paper format. So instead of iPad and tablet, I will use pen and paper + iPad to present.

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If I were to go through everything, they would lose attention one. So I must simplify it as much as possible.

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Then some say is the cause of the job not secured.  Or some say maybe they do not like the plan some may say maybe the issue with the commitment of the budget.

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Once I showed it to the client, the client could instantly see how much shortfalls he had. This made him very open to the idea of purchasing products and covering the shortfalls that he is currently facing immediately.

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Then teach them to work in steps, the amount that they are comfortable with.

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So we have to be really attentive and listen to them in order to try to catch what they really need.