SoftFin includes a fully comprehensive client-details database storing all the personal particulars for the client, spouse and children.  Save all needs analysis projects and excercises for death, retirement, disability or education planning.

If you are the slightest bit interested in finance/investments then you cannot afford to be without SoftFin. SoftFin could be your first step to financial independence and, if you are in the business of selling investments or insurance, then SoftFin is a "must have" sales aid. SoftFin is so simple, easy to use and understand and no other software can boast SoftFin's success rate in selling investments and policies by showing up shortfalls in financial planning so simply and effectively. SoftFin believes that what is simplest usually works best.

Quick FNA/INA (15 minutes)

SoftFin has, without doubt, quickest, and easiest-to-understand Needs Analysis modules that explain, in the simplest way, exactly why, and how much, you need to invest to cover shortfalls for death, disability, retirement or education planning. SoftFin provides simple, computerised Needs Analyses (done in 15 minutes) with a single-page report everybody can understand. Why baffle your clients with a more complicated software package which takes days to gather and capture information only to produce a 30-page report that nobody really understands? 95% of your clients don’t need, nor will they understand, a 30-page report from a fully comprehensive needs analysis. Reports like that will probably scare your client away.  SoftFin offers a simple, compliant, needs analysis done in 15 minutes and SoftFin produces a simple report on one page!  This is a dream come true for brokers!  SoftFin is comprehensive enough to cater for different income amounts required for different periods and different income amounts available over different periods. SoftFin works in line with international compliance regulations (including strict compliance regulations in place in South Africa).

Financial consultants all agree that a single software program which will serve all of their requirements simply does not exist.  They all use two or three different software packages to prepare presentations and SoftFin should definitely be one of those programs!

There is no other program for brokers out there that comes close to matching SoftFin when it comes to...

You may save each individual needs analysis in SoftFin's database for retrieval, reviewing, editing, printing anytime. Search the database for assessments last reviewed between dates you specify or assessments to be reviewed in future between dates you specify.  There is no limit to the number of records you may save in the database.

Whether you live in England, Europe, Canada, USA, Australia or even China then you face identical problems in planning for death, disability, retirement or educating your children. Although inflation rates are worse in some countries compared to others, everybody, no matter where they live, faces the same financial perils.

Have a look at a few pictures of some of the calculator's screens in SoftFin...Click on any image to enlarge.

Life Assurance companies will no longer give brokers a quote for their investment policies so how are you supposed to sell these products?  How do you convince someone to buy an R/A, for example, if you cannot show them what their investment will be worth when they retire?  SoftFin's remarkable "Kwik-Quotes" option allows you to produce your ownquotes for any investment policy/product from any comany.

Click on the images to enlarge to full size.

Calculate and compare maturity values from Endowment type, Retirement Annuity/superannuation type, Unit Trust/Mutual Fund type and bank investments on the same screen, detailed amortisation's and full colour 3-D rotating graphs. Produce maturity values for investments/policies at any growth rate you like. Instantly switch between investment types at the click of a mouse to compare maturity values!

 SoftFin allows you to configure commissions (including Trail comm), costings, fees, dividend rates etc yourself for any type of investment/policy to allow you to produce super-accurate ”Kwik-Quotes“ for investment/policy products from any investment company.  "Average" default figures are supplied but you can setup the SoftFin program with any values you require for specific products from specific underwriters or investment funds and you can save these values to use again or you can restore the default values anytime.  Any product from Endowment type policies to Unit Trust/Mutual Fund, R/A or superannuation schemes - produce your own quotes instantly with SoftFin!

You can direct any SoftFin report either straight to the printer or export the report to a word processor or spreadsheet file where you can customise the report in any way you wish and even email the finished report to the client as an attachment!

Click on the images to enlarge to full size.

A new addition to SoftFin's calculators is this "Income from share capital" option such as the investments offered by big investment houses who place your client's capital in a basket of Unit Trust/Mutual Funds.  You can enter projected growth rates, amount of income required drawn monthly or annually etc.  You can set all admin costs, commissions etc.  You can see from the, 20-year table, exactly how much income the investor will receive as income at any stage, the remaining capital at any stage and, by changing growth rates, percentages of income drawn, income escalation etc and you can see for exactly how long the investor's capital will provide income.  Change projected growth rates, change income drawn, change escalation factor on income drawn and the 1-20 year table instantly tracks and displays available investment capital remaining at any year plus income at any year and CGT payable on disposal of shares etc.  Avoid the tragic consequences of the investor running out of capital and income too soon!

The amortisation button allows you to drill down and view each and every month in detail (up to 600 months or 50 years!)

3-D graphs print in full colour and can be used to enhance any printed reports.

Compare investing the same amount of capital in an ordinary bank investment compared to Unit Trust/Mutual Funds.  The table in the window on the left shows the year-by-year amortization for R5,000,000 capital invested in a bank investment at 5%pa, an effective tax rate of 15% and drawing R20,000pm with a 5% escalation on income.  The table in the window on the right shows the amortization for the same amount of capital invested in a Unit Trust/Mutual Fund investment (using 8% income escalation rate).  Compare the income drawn, and the balance of original capital left, at year 15 and at year 20.  The differences are the result of low growth/interest rates and high tax rates associated with bank investments.  The bank investment pays income of R606,468 in year 20 while the Unit Trust/share investment pays income of just over R1m in year 20 (over 70% more income).  If we attempted a 7% escalation on income drawn from the bank investment then the program would show us that the bank investment capital would barely last 17 years.  No other program out there allows you to adjust "what-if" scenarios in order to show your client exactly what would happen to investment capital and income and even exactly when the investment would run into trouble should the investor choose to take excessive income or elect to take an excessive escalation on income drawn.

 Click here to see a video clip on YouTube illustrating one of SoftFin's many calculators.

Many of SoftFin's calculators allow you to make direct comparisons between the returns offered by different types of investments.

Here are sample screens for just 6 of the other 19 calculators available in the SoftFin program to help you draw up financial plans for clients!  These are calculators you will find so useful you will use them every day!

Some of SoftFin's other useful financial calculators which you will use every day are...

Note that many of these calculators come with amortisations and full-colour 3D graphs.

SoftFin will help you do complex financial and investment planning exercises in seconds. SoftFin is produced by a company which is completely independent from any financial institution and so SoftFin is absolutely unbiased when it comes to giving the best advice on finance and investments. We have been in the business of writing financial planning software for 27 years and we know exactly what financial advisors need in a software package of this nature. SoftFin is the kind of package that brokers and financial consultants have been crying for. A financial planning and income needs analysis program which is...

If you want a detailed DVD movie showing all the FNA screens, with full descriptions of how the FNA's work, then order a FREE DVD now!

Click here to request a FREE SoftFin DVD movie now!

Just how good is SoftFin? SoftFin is an enhanced, and completely rewritten, version of the hugely successful IBCFIN and FirstFin programs used widely in Canada and South Africa. Comments from investment consultants indicate that these programs have increased their business substantially and they say they cannot work without them.

SoftFin costs only R855.00 per year annual license renewal fee which covers software support, regular updates and extra features added regularly.  Prices include VAT.  No less than eight improvements and extra options and features have been added in the last 12 months.  The annual license fee works out to less than seventy two Rand per month which is less than the cost of two cheeseburgers, less than the cost of 25 minutes of cell phone airtime or less than 1/8th of what you pay for Dstv every month.  We glady accept VISA and Mastercard credit cards and we welcome budget transactions.  If SoftFin helps you close just one deal then the R855.00 annual license fee will pay for itself a few times over.

No other software out there will close deals like SoftFin. Users claim that SoftFin pays for itself over and over again every month.

If you decide not to renew your annual license fee, at any stage, you will still have access to all your data in the client's/FNA database.  In addition, your SoftFin database is not code-protected or locked in any way which means you can also transfer the data you have saved in your SoftFin database to any other program or application anytime you wish.

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