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| About Monte Carlo Simulations |
Overview
RetireWare Retirement Planning
What Is RetireWare?
RetireWare is a retirement planning software that determines whether your savings and other assets and income will be adequate to enjoy your desired standard of living during retirement and avoid the risk of outliving your money.
You define using one of a variety of ways your retirement income objectives and RetireWare determines whether it is realistic and sustainable. If your savings are not sufficient, RetireWare will recommend the required annual savings that will let you achieve your retirement income objective, and let you see how this fits in your budget along with your other financial commitments.
RetireWare will help you determine the amount of risk you should take to achieve higher returns and whether it is a necessary and viable long-term strategy.
Already Retired?
If you are near retirement or already retired, you can see whether your standard of living is sustainable for the duration of your retirement and what rates of returns are required to achieve your goals.
How to Purchase RetireWare?
Specifically designed for Canadian tax and retirement savings rules, RetireWare Version 2.0 Standard Edition and Monte Carlo Edition are available for sale from our Website. Register now and take advantage of our limited time offer for RetireWare Standard Edition or RetireWare Monte Carlo Edition Version 2.0 and save $10!
RetireWare Version 2.0 is all about financial integration. From integration of your retirement plan with that of your spouse, to integration of your financial objectives with the investment risk of your portfolio, to integration of monitoring your asset allocation within the framework of your long-term objectives.
RetireWare is about total planning: you can integrate all of your and your spouse's assets and future income in planning retirement, education costs for your children and other financial goals.
Using sophisticated mathematical models, the new RetireWare Monte Carlo Edition performs thousands of capital market return simulations to assess the pertinence of investment risk and determine the probability of achieving financial objectives.
RetireWare Retirement Planning Software
- Total Planning
- Leading-Edge Technology
- Easy to Use
- Unbiased
- View Flash Demo of RetireWare Version 2.0
- Advisors
- Pension Plan Sponsors
- Financial Services
The RetireWare Model
RetireWare breaks traditional boundaries enabling a true flow of information that seemed impossible until recently. Total planning means total integration of all financial information. To this end, RetireWare is can integrate customized add-ins that reflects the specifics of private and public pension plans, kept in an electronic pension library and that can be accessed by employees participating in pension plans.
Integration also involves voluntarily exchange of financial information between individual users and financial advisor, where the advisor can use planning information developed by a user and perform an in-depth review, apply advanced features and probability analysis.
Financial Advisors
Build Relationships with Sound Advice
RetireWare Monte Carlo performs capital market simulations to assess the pertinence of investment risk and determine the probability of achieving financial goals. The results provide a customer experience that cultivates relationships and loyalty.
With RetireWare, you can formulate life goals such as retirement and children’s education, assess risk tolerance, build budgets, net worth statements and in-depth retirement plans quickly and comprehensively. You can easily assess personal circumstances, eliminate unnecessary investment risk, and integrate your client's portfolio with their goals. Use RetireWare on an ongoing basis to monitor progress against goals, and advise your clients of deviations and need for corrective action. [More Information]
Holistic Wealth Management
- Attract and Retain clients with in-depth analysis, compelling graphics
- Generate personalized presentation-quality reports
- Advise, monitor and take corrective action with changing circumstances
- Increase productivity with intuitive, integrated and easy-to-use wizards
Pension Plan Sponsors
Improve Employee Satisfaction
Provide your employees with the opportunity to use a powerful retirement planning software and web-based solution, fulfilling your fiduciary role as a plan sponsor.
Give Your Employees the Tools to Turn Strategies Into Actions
RetireWare solutions provides the most compelling kind of retirement and financial education to your employees: clear and engaging, pertinent and independent, practical access to information applied to their own situation that consolidate all financial strands for a total integrated planning experience that turns strategies into actions. This powerful decision-making support generates a sense of priority and focus and leads to improved understanding and appreciation of your pension arrangement. [More Information]
Financial Services Companies
Dedication to Innovation
Apeiron Software Limited has been creating state-of-the-art financial and retirement planning technology since 1996. Our dedication to innovation has lead to products that have an unparalleled level of mathematical sophistication, extensive functionality, products that are comprehensive, integrated, modular, intuitive and visually appealing. Our products have the flexibility to be integrated with your existing business logic, systems, and delivery platforms – whether they are on the Web, desktop software or portals, and can be tailored specifically to your users' needs.
Cost-Effective Solutions
Increase productivity and reduce costs with the customization or licensing of standardized products and take advantage of our accelerated development approaches using the .NET and J2EE Frameworks. From assessment to design, implementation and production, we work with you to deliver scalable custom solutions. [More Information]
More Information About RetireWare
Spouse Integration
RetireWare is about total planning: you can integrate all of your and your spouse's assets and future income in planning retirement, education costs for your children and other financial goals. [More Information]
What Sets RetireWare Apart Is Its Sophistication
RetireWare's sophistication extends to the calculation of future income taxes. The usual approach of taking marginal tax rates or ignoring income taxes altogether is too simplistic an approach and creates large distortions over time.
RetireWare applies all existing and scheduled federal and provincial tax rates, scheduled indexation of tax brackets, provincial surtaxes where applicable, federal and provincial non-refundable tax credits, CPP contributions and EI premiums. In addition, RetireWare applies all RRSP deduction rules, calculates pension adjustments and deductible pension contributions. [More Information]
Pension Plan Support
RetireWare supports all types of company pension plans, including defined benefit, defined contribution, group RRSP, deferred profit sharing plan (DPSP), even a deferred pension or account balance from the pension plan of a prior employer.
Asset Allocation and Planning
RetireWare will help you determine the amount of risk you should take and whether it is a necessary and viable long-term strategy. You can also easlily monitor your asset allocation and quantify the deviation from the target asset allocation.
Select one of the asset allocation profiles, your existing portfolio allocation or own custom asset allocation. Your selected asset allocation is then applied forward to calculate future expected rates of return used in the projections. There is always a direct relationship between your asset allocation strategy and the risk and return characteristics of your investments.
RetireWare's Powerful Wizards
RetireWare is powerful and sophisticated, yet it is very easy-to-use with its intuitive user interface and Wizards. With the Quick Calculation Wizard, you can plan your retirement in a few minutes. Then, you can do a more detailed analysis by using the other wizards and dozens of special features.
RetireWare has powerful wizards for all the major components of the software: a Quick Calculation Wizard, a Budget Wizard, a Net Worth Wizard, an Asset Allocation Wizard and a comprehensive Step-by-Step Retirement Wizard. To make it even easier, it also has printable 'cheat sheets' in PDF format that can be used to collect all required information away from your PC. [More Information]
Clear and Compelling Results
Results show graphically the budget and net worth statement, the asset allocation and its deviation from the target asset allocation, the assets and shortfall at retirement. RetireWare provides detailed forecasts for the projection of assets, income and cash flow in both graphical and table format. You can resize the graphs and tables for optimal viewing. [More Information]
