Introducing the Inflation Insight in Voyant: Stress-Test Plans with Confidence

Whether it's a trip to the grocery store, a rising utility bill, or the shock of a higher-than-expected rent increase, clients feel inflation in very real ways. For advisers, the challenge is helping clients see how these short-term pressures could affect long-term financial goals. 

That’s where Voyant’s financial planning software comes in. With the new Inflation Adjustment Insight, advisers can now stress-test a plan against different inflation scenarios, bringing clarity to a conversation that often feels uncertain. 

How It Works 

Picture sitting down with a client who’s worried about news headlines predicting inflation. Instead of relying on general assumptions, you can show them directly how higher than average inflation might affect their plan: 

• What happens if inflation rises two points above the plan’s base rate for the next 5 years? 

• How would that impact their retirement spending or legacy goals? 

• Could their plan withstand even a period of deflation? 

The Inflation Adjustment Insight makes this possible by applying a temporary adjustment to the inflation rate. After the set period, assumptions automatically revert, while giving advisers the flexibility to test “what if” scenarios. 

Customizable Inputs 

Every client has a different story. With customizable inputs, advisers can tailor the insight: 

• Timeline Selection: Choose a start and end year, or apply a standard 5–10 year period. 

• Additional Annual Inflation: Add or subtract from the base rate to model higher inflation. 

• Deflation Modeling: Apply negative inflation if you are wanting to model a period of deflation. 

Example: If a plan assumes 3% inflation and you add 2%, the adjusted rate becomes 5% for the selected years, an easy way to demonstrate the potential pressure on a client’s purchasing power. 

Turning Numbers Into Conversations 

The Inflation Adjustment Insight doesn’t just generate numbers, it creates a story advisers can share with clients. Side-by-side comparisons show: 

• Net Worth shifts under different inflation scenarios. 

• Shortfalls that might emerge, similar to Long-Term Care modeling. 

• Adjusted vs. Original Rates are displayed clearly for easy explanation. 

Suddenly, the abstract idea of “inflation risk” becomes concrete: clients can see how it affects their goals, lifestyle, and financial resilience. 

Adviser Tip: 

Use the Inflation Insight during plan reviews to spark meaningful discussions. For example: 

• Should clients increase cash reserves to hedge short-term inflation? 

• Could they adjust spending habits now to stay on track? 

• Would inflation-protected investments strengthen their portfolio? 

These conversations transform worry into action, showing clients that inflation is not just survivable but manageable. 

Why This Matters 

For clients, inflation isn’t an economic headline, it’s the difference between taking that dream retirement trip or needing to cut back on essentials. By modeling inflation scenarios in Voyant, advisers can: 

• Show how inflation affects retirement spending and legacy goals. 

• Explore strategies to protect purchasing power. 

• Build confidence by demonstrating that even under stress, the plan can hold. 

The result? Clients walk away not just with projections, but with peace of mind. And advisers strengthen their role as guides through uncertain economic terrain. If you would like to explore the Inflation Adjustment Insight in more depth, please reach out to support@planwithvoyant.com.