ELAXY Vorsorgeberatung – Features

In Focus: User Friendliness
Clarity and a easy handling of the functions characterise the ELAXY Pensions Consultancy. ELAXY thus remains true to its philosophy to place user friendliness at the core in the development of software for banks and insurance companies. The program is divided into four component parts and leads the adviser clearly through the client meeting.

The four program components are:

• Pension overview
• Customer
• Consultancy Module
• Printing

In Detail:

• Pension Overview
  The ideal introduction for your consultancy meeting: through the example calculations you show your clients which performance can result from which contribution amount. A pensions guide supplements the concrete model calculation.

• Customer
  With this function you draw up the profile of your Customer and define his or her individual pension goals. On the basis of the Customer data entered ELAXY Pensions Consultancy works out the best pension coverage, taking into account tax and personal criteria.

• Consultancy Modules
  
  Pension Gaps: How large are the holes in the old age pension? With this module it is possible to take into account the pre and post tax situation on the initial holes in the old age pension, including the social security insurance aspects. ELAXY Pensions Consultancy then recommends the suitable pension.
  
  Pension Savings: With this module you compare the pension methods at similar savings rates based on the criteria of the advancement and the effect in the pension phase. The pension targets defined under “Client” are thus included. On the basis of these factors a manual or an automatic distribution of the savings rate to these various pension models, e.g. Riester pension and an employee pension scheme, can be calculated.
  
  Employee Pension Scheme: ELAXY Pensions Consultancy has a special Employee Pension Scheme calculator, which supports the determination of the monthly pay slip. Savings from a planned contributions change for health insurance, conversion of capital-creating contributions and direct income commutations are put together in a “monthly investment contribution to an employee pension scheme” and projected into an anticipated monthly pension. A subsequent comparison of the changed pay slip makes clear to the client the advantage of “net over gross expenditure”.
  
  Riester Calculator: With this module you can give a detailed representation of this special advancement scheme. Aspects of the full tax advantages or the maximum benefit are also taken a closer look at as is the opportunity of receiving these benefits on the basis of the bonus entitlement of the spouse taking into account the various types of income.
  
  Pensions-Tax Calculator: Show your client the possible tax savings over a set period, which can arise because of changed tax laws. Considerable excess capacity for development of liquidity arises from this, which the client can utilise for his or her pension.
  
  Annuity-Tax Calculator: What's left at the end? This question is asked by many clients. The pension tax calculator supplies the answer. It calculates the tax deduction in the pension phase and shows which pension method should be chosen from the aspect of tax load.
  

• Printing
  Competence to take with you: naturally, the recommended pension method is laid out in such a client-friendly way that you can subsequently give the client a graphic paper printout of your recommendation at your meeting.