What is WealthOptic?

WealthOptic is a modern cashflow modelling software built for international financial planners and financial advisers.
It helps you map a client’s money in, money out, assets, and liabilities across their lifetime.
You can run scenarios, stress test plans, and present clear visuals that clients actually understand.

Who is WealthOptic designed for?

WealthOptic is designed for international financial planners, financial advisers, paraplanners, and advisory firms. It works for sole traders, small firms, and larger national practices. It suits anyone who wants professional retirement planning tools without the complexity of legacy software.

What does cashflow modelling software actually do?

Cashflow modelling software projects a client’s future income, expenditure, assets, and liabilities year by year. It shows whether a client is on track to meet their goals, and what happens if circumstances change. WealthOptic turns that projection into clear visuals that support better advice conversations.

How is WealthOptic different from other financial planning software?

WealthOptic was built from scratch as a modern, intuitive, browser-based platform.
Unlike older tools, it focuses on speed, clarity, and visuals that clients understand in seconds. You get the depth of a serious modelling engine with the ease of a consumer app.

How does WealthOptic compare to Voyant?

Voyant is powerful but many advisers find it dense and slow to use day to day.
WealthOptic offers comparable modelling depth with a cleaner interface and faster scenario building.
You spend less time clicking and more time advising.

How does WealthOptic compare to CashCalc?

CashCalc is well known for simplicity, and WealthOptic shares that same focus on clarity.
Where WealthOptic goes further is in scenario modelling, tax handling, and client-ready visuals. It is a step up for advisers who want more depth without sacrificing ease of use.

How does WealthOptic compare to FinCalc?

FinCalc is a familiar option for UK advisers, but its interface can feel dated.
WealthOptic offers a more modern experience with richer scenario tools and faster onboarding. The result is software that feels like it was built this decade.

How does WealthOptic compare to eMoney?

eMoney is a US-focused platform with strong account aggregation and a heavy feature set. WealthOptic is built for planners who want focused cashflow modelling and retirement planning tools without the bloat. It is leaner, faster, and easier to roll out across a team.

How does WealthOptic compare to RightCapital?

RightCapital is a popular US planning tool, while WealthOptic is built with a more international lens. Both prioritise visuals, but WealthOptic places extra emphasis on scenario layering and tax-aware modelling. Advisers tell us it feels less templated and more flexible.

Is WealthOptic suitable for UK financial advisers?

Yes, WealthOptic is designed with UK advisers in mind. It handles UK pensions, ISAs, state pension, and UK tax bands within the modelling engine. It also supports international and cross-border planning where relevant.

Does WealthOptic support international clients?

Yes, the platform supports multi-currency modelling and clients with cross-border lives.
You can model income and expenditure in different currencies and apply exchange rates.
This makes it useful for advisers who serve expatriates, returners, and globally mobile clients.

What kind of scenarios can I model in WealthOptic?

You can model retirement timing, career changes, property purchases, downsizing, inheritance, and more. You can also stress test plans against market falls, inflation shocks, and unexpected events. Each scenario sits side by side so clients can clearly see the trade-offs.

Can I run side-by-side scenario comparisons?

Yes, scenario comparison is a core part of the platform. Clients can see the difference between retiring at 60, 62, or 65 in seconds. This is one of the most powerful ways to drive client engagement.

How does WealthOptic help with retirement planning?

WealthOptic gives you retirement planning tools that show whether a client’s plan is sustainable. You can model drawdown strategies, annuities, state pension, and phased retirement. The visuals make tough conversations about retirement age and lifestyle far easier.

Can WealthOptic show when a client might run out of money?

Yes, the cashflow chart clearly shows the year a client’s assets are projected to deplete. You can then model changes such as reduced spending or delayed retirement to fix the gap. This is one of the most impactful client conversations the software unlocks.

Does WealthOptic include tax modelling?

Yes, the engine handles income tax, capital gains, dividend tax, and pension tax treatment.
It applies tax automatically as the plan unfolds, so you do not need to calculate it manually. That said, WealthOptic is not a replacement for a qualified tax adviser.

Is WealthOptic a replacement for a tax adviser?

No, WealthOptic is planning software, not a tax advisory service. It models tax outcomes based on the inputs and rules within the engine. Complex tax structuring should still be referred to a qualified tax professional.

Is WealthOptic a replacement for a financial adviser?

No, the software is a tool that supports financial advisers, not a substitute for advice.
It is built to help qualified planners deliver clearer, more confident recommendations.
End clients should always work with a regulated adviser.

Can paraplanners use WealthOptic?

Yes, WealthOptic is widely used by paraplanners to build, refine, and present plans.
The interface is fast to learn and supports collaborative workflows within a firm.
Paraplanners often tell us it cuts hours off their report preparation time.

How long does it take to learn WealthOptic?

Most advisers are running their first plan within an hour. The interface follows familiar planning logic, so there is little new terminology to absorb. We also provide guided onboarding for new firms.

Does WealthOptic save time for advisers?

Yes, time saving is one of the most consistent pieces of feedback we receive. Automated calculations, reusable scenarios, and clean visuals remove a lot of manual work. Advisers report saving several hours per client review.

Can I use WealthOptic in client meetings?

Absolutely, WealthOptic is built for live use in front of clients. The visuals respond instantly when you change assumptions, which makes meetings interactive. Clients see the impact of choices in real time, which deepens engagement.

Does WealthOptic improve client engagement?

Yes, clear visuals and live scenario changes are proven to increase client understanding.
When clients understand their plan, they are more likely to follow through and stay loyal.
This is one of the strongest commercial benefits for advisory firms.

What kind of visuals does WealthOptic produce?

The platform produces cashflow charts, net worth projections, money in versus money out views, and scenario comparisons. Each visual is designed to be readable by non-technical clients.You can present them on screen or include them in client reports.

Can I generate client reports?

Yes, WealthOptic generates clean, branded reports that summarise the plan and key recommendations. Reports pull directly from the live model, so they always reflect the latest assumptions. This removes the risk of stale numbers in PDF outputs.

Can I brand reports with my firm’s logo?

Yes, you can add your firm’s branding to reports and client-facing outputs. This helps maintain a consistent, professional identity across every client touchpoint. It is especially valuable for firms that prioritise their brand experience.

Is WealthOptic cloud-based?

Yes, WealthOptic is fully cloud-based and runs in any modern browser. There is nothing to install, and updates are delivered automatically. You can access your plans from the office, from home, or on the move.

How secure is WealthOptic?

Security is a core priority for WealthOptic. Client data is encrypted in transit and at rest, and access is protected by modern authentication standards. We follow industry best practice around hosting, backups, and access control.

Where is client data stored?

Client data is stored in secure, enterprise-grade cloud infrastructure with regional hosting options.
We can confirm the specific data region for your firm during onboarding.
This supports compliance with UK GDPR and similar regimes.

Is WealthOptic GDPR compliant?

Yes, WealthOptic is built with UK GDPR and broader data protection requirements in mind.
We provide a Data Processing Agreement and a full compliance pack on request.
Firms can use WealthOptic with confidence as part of their regulated workflow.

Can multiple advisers in my firm use WealthOptic?

Yes, WealthOptic supports multi-user firms with role-based access.
Advisers, paraplanners, and administrators can each have appropriate permissions.
Plans and clients can be shared across team members where needed.

Does WealthOptic work for sole practitioners?

Yes, the platform works equally well for one-person firms and large practices.
Sole practitioners benefit from the time savings and the polished client experience.
There is no minimum team size required.

Can I use WealthOptic for high net worth clients?

Yes, the modelling engine handles complex situations including multiple properties, businesses, and investment portfolios. It also models more sophisticated income streams and tax positions. High net worth advisers find it powerful enough for detailed lifetime planning.

Can I model property and real estate?

Yes, you can model owned properties, rental income, mortgages, and future purchases or sales. Property values, growth, and costs can all be set per asset. This is essential for clients whose wealth is heavily tied to property.

Can I model pensions inside WealthOptic?

Yes, WealthOptic handles defined contribution pensions, defined benefit pensions, and state pensions. You can set contribution levels, growth assumptions, and drawdown strategies. The engine then applies tax treatment automatically across the plan.

Can I model state pension?

Yes, state pension is modelled as an income stream from the chosen start age. You can adjust the amount, escalation, and start year for each individual. This includes triple-lock style escalation where appropriate.

Can I model inheritance and gifts?

Yes, you can model expected inheritances, lifetime gifts, and transfers between family members. This helps clients see how intergenerational wealth flows might shape their plan. It is particularly useful for estate planning conversations.

Does WealthOptic handle multiple currencies?

Yes, the platform supports multi-currency clients with cross-currency income and expenditure. You can apply exchange rates and convert between currencies as needed. This is ideal for expat planners and internationally mobile clients.

Can I model inflation and economic scenarios?

Yes, you can apply inflation assumptions globally or per item. You can also create custom economic scenarios with different growth and inflation paths. This makes it easy to stress test plans against varying conditions.

Can I run Monte Carlo simulations?

Yes, WealthOptic includes Monte Carlo analysis for plans where probability matters. You can see the range of possible outcomes rather than a single deterministic line. This helps clients understand uncertainty without overwhelming them.

How is Monte Carlo presented to clients?

Monte Carlo results are presented as clear probability bands rather than dense statistics. Clients see the likelihood of meeting their goals at a glance. This keeps the conversation focused on confidence rather than mathematics.

Can I model business owners or self-employed clients?

Yes, you can model varying income, dividends, and business-related cashflows. This makes WealthOptic well suited to planners who serve company directors and entrepreneurs. You can also model business sale events as future cash injections.

Can I model life events like redundancy or career breaks?

Yes, you can pause income, change earnings, or model gaps between jobs. You can also model career changes, sabbaticals, and reduced hours. This helps clients plan around real life rather than idealised assumptions.

Can I model school fees and major expenses?

Yes, you can add lump sum or recurring expenses for school fees, weddings, or large purchases. Each expense can have its own start year, end year, and inflation rate. This makes the plan reflect a client’s actual spending pattern.

Does WealthOptic support drawdown modelling?

Yes, drawdown modelling is a key strength of the platform. You can model fixed amounts, percentage withdrawals, or natural yield drawdown. The tax treatment is applied automatically as funds are drawn.

Can WealthOptic show the value of advice?

Yes, scenario comparisons make the value of advice tangible to clients. Showing the difference between a planned and unplanned approach often justifies fees on its own. This is a powerful tool for adviser retention and referrals.

Will WealthOptic help me win more clients?

Many firms report stronger conversion rates after introducing WealthOptic in prospect meetings. Clients sign up faster when they can clearly see the impact of advice. It turns abstract recommendations into a visible roadmap.

Can WealthOptic improve client retention?

Yes, clients who understand their plan are more likely to stay engaged with their adviser. Annual reviews become more meaningful when supported by a live, updated cashflow plan. This strengthens long-term client relationships and recurring revenue.

Does WealthOptic integrate with other tools?

WealthOptic is continually expanding its integrations across the financial planning ecosystem. Where direct integrations are not yet available, data can be imported and exported cleanly. We work with firms to support their wider tech stack.

Can I import client data into WealthOptic?

Yes, you can input or import client data through guided workflows. Existing clients can be onboarded efficiently without rebuilding plans from scratch. Our team supports firms during the data migration phase.

How much does WealthOptic cost?

Pricing is transparent and designed to scale with the size of your firm. You can find current pricing on our website or speak to our team for a tailored quote. We aim to deliver strong value compared to traditional financial planning software.

Is there a free trial?

Yes, you can try WealthOptic before committing. A trial lets you build a real client plan and experience the workflow first hand. Most advisers know within a week whether the software fits their practice.

Do you offer training and support?

Yes, we provide onboarding, training, and ongoing support to every firm. Support is delivered by people who understand financial planning, not just software. This means you get answers that actually help your workflow.

Can WealthOptic support a paperless practice?

Yes, the platform is designed for digital-first advisory firms. Plans, scenarios, and reports can all be shared and stored electronically. This reduces paper, printing, and the friction of physical document handling.

Can clients access WealthOptic directly?

WealthOptic is primarily an adviser tool, with controlled client-facing views where appropriate. This keeps the adviser at the centre of the relationship while still giving clients clarity. We continue to expand client portal capabilities based on adviser feedback.

How often is WealthOptic updated?

WealthOptic is updated continuously with new features, improvements, and refinements.
Because it is cloud-based, you always use the latest version automatically. Adviser feedback directly shapes the product roadmap.

What is the business case for adopting WealthOptic?

Firms typically see time savings, stronger client engagement, and improved conversion rates. These translate into more clients served per adviser and higher recurring revenue.
For most practices, WealthOptic pays for itself many times over each year.

How quickly can my firm get started with WealthOptic?

Most firms are live within days, not weeks. Onboarding is structured to get advisers running real client plans quickly. You do not need a long implementation project to start seeing value.

Why choose WealthOptic over legacy financial planning tools?

Legacy financial planning tools were often built decades ago and feel that way to use. WealthOptic offers modern cashflow modelling software with the depth advisers need and the clarity clients expect. It is built for the way advisory firms work today, not the way they worked twenty years ago.