The Benefits

Significant Increases in Wealth Over Common Rules

  • The VestaEdge platform assures that no plan other than the resulting plan provides greater wealth growth — 50% and more is not uncommon

Results Graph

Benefits to Consumers

  • Better planning and management of pre-retirement assets
  • Increase in wealth; current assets last longer and provide more income available for future expenses
  • Instant answers to "what-if" scenarios
  • Improved quality of life before and during retirement
  • Mathematically tax-optimized withdrawal plan
  • Increase in end-of-life wealth transfer

Benefits to Financial Firms

When adopted by financial advisory firms, the VestaEdge solution will help their business continually grow and achieve improved financial results. Listed below are some of the tangible and quantifiable benefits our solution offers.

  • Additional and unique value-added service for existing clients
  • Increase in wallet share of existing clients; potential for additional fee revenue
  • Increase in assets under management
  • Instant results provide an effective quality interaction with the client
  • Client acquisition/retention
  • Unique competitive advantage

The Solution

VestaEdge offers an innovative financial planning solution that can be used by consumers and financial advisors to help increase the long-term value of their portfolios, maximizing wealth before and during retirement.

Our unique software, employing true mathematical optimization techniques, can:

  • Determine an optimized decumulation plan, i.e., best draw-down plan
  • Incorporate projected future returns into the solution
  • Support all major asset types, including Roth accounts and conversions
  • Support user-specified living expenses and RORs
  • Enable accurate estimation of federal taxes for each year of the plan; these include all tax brackets, itemized or standard deductions, exemptions, tax on Social Security, required minimum distributions (RMDs), long term capital gains, and more.

Among the many capabilities and features of Vesta are: real-time results, aggregation, advanced analytics (e.g., client, firm, industry data), customizability, and Monte Carlo technology that can accurately measure the risk of exhausting funds corresponding to a Vesta-determined withdrawal plan.

Please click this link to see the many benefits that VestaEdge offers to firms and individuals alike.

Addressing a Market Need

VestaEdge offers optimized financial planning software solutions to empower consumers and financial advisors to maximize their wealth and better manage income streams and household expenses. The software was developed to offer a better alternative to common and generic withdrawal rules. In addition, Vesta can be customized to interface seamlessly and securely with current software platforms, including financial reporting, client statements and asset management systems.

Current decumulation plans do not consider maximizing long-term wealth and are limited in scope since they frequently assume the following common rules:

  • The initial withdrawal of 4% of assets, increased annually by inflation
  • The withdrawal of taxable savings first, then tax-deferred, then tax-free
  • Generic rules largely ignore the tax impact

As each and every account is unique and complex many variables must be considered, such as:

  • Different tax treatments and Rates Of Return (ROR)
  • Lifestyle expenses should be planned independently of taxes
  • Withdrawals must cover projected taxes, not just lifestyle expenses
  • Required Minimum Distributions (RMD) must be satisfied

We at VestaEdge see our solution as a significant opportunity for investors and retirees to increase their portfolio valuation and preserve their assets over specified financial planning periods. Vesta affords financial advisors the ability to help their clients make more informed investment decisions.

Please click this link to go to the VestaEdge solution.

Market Demographics

"Some 58 percent of Americans believe their financial-planning efforts need improvement, but 34 percent have done nothing to plan for their financial futures."

Fast-Growing Market

  • 10,000 baby boomers turn 65 every day until 2030
  • By 2030, the 65-plus population will double to about 71.5 million (U.S. Census)
  • Financial Advisor assets have reached $66.7 trillion and growing

Advisory Firm Market Potential

  • 11,473 Investment Advisory Firms
  • 376,509 Financial Advisors

Please click this link to see why you need VestaEdge!

Sources: US Census, Federal Reserve, Immersion Active, US Consumer Expenditure Survey;;;