Opes couldn’t find the software to forecast people’s complex financial lives – so we invented it.

In the digital age, your personal finance software can run all sorts of charts, numbers, spreadsheets and other valuable data. But nothing today enables you to view your Personal Balance Sheet through all current and future phases of life. Opes Advantage software does this - it enables you to see your stock and bond portfolio together with multiple mortgage options and other real estate investments, and model what they’ll look like over time.

Opes Advisors created Opes Advantage software to produce the information you need to support making sound financial decisions. Your Advisor uses Opes Advantage to build a Personal Balance Sheet that shows your investments and liabilities – stocks, bonds, real estate and real estate financing, and lifestyle expenses  – all in one place. The Advisor can then run any number of short-term and long-term scenarios through the program, to see the impact of various decisions on your financial well-being.

You will see clearly the tradeoffs of different decisions in how you build, grow and manage your financial life – and ways of shifting your Personal Balance Sheet over time to be best positioned for a financially secure retirement.

Asking the Right Questions

Our Advisors use Opes Advantage to answer questions that are essential to having a well-planned personal balance sheet:

• What is the total return on all of my assets, not just my stocks and bonds?
• Where is my cash flow going to come from later in life?
• How can I assess the tradeoffs between investments in stocks and bonds and investments in real estate?
• How can I assess the impact of my investments and debts on my retirement strategy?
• Will buying the house I qualify for still allow me to save for retirement and take care of other important financial concerns that I have?
• Do I keep my former home when buying a new one?
• What will happen if I sell my home now and use the proceeds to fund my retirement?

Best of all, we can test-drive those decisions in real-time. Plugging different scenarios into the software, your Advisor will show you what their effect will be in the near term, the distant future and points in between.

For our Mortgage Clients

We use the software to build a Housing and Lifestyle Analysis Report that will guide you through the complex conflicting tradeoffs inherent in choosing the appropriate purchase price, mortgage amount, down payment and loan program.

For our Wealth Management Clients

We use the software to build a Client Balance Sheet Analysis Report that will guide you through the complex conflicting tradeoffs inherent in wealth management planning, so you can implement an effective strategy that will support a satisfying retirement.