New Features
27.002.12 17 July 2017
Client Notes in Printed Fact Find
If you are constantly changing the option to print client notes in a printed fact find, you can now set the default behaviour of this in User Preferences.
Contract Enquiry - Fidelity System Upgrades
Contract Enquiry - MetLife Bonds
JCS is ready to support the upcoming MetLife update, due on the 20th July, which adds support for TIPs. Read more…
Electronic Commission/Fees Inbox
When opening this page, it will now automatically resize to the size it was last set at.
Estate Planning and Wills New Field
A new "Do You Have a Will" Field has been added to Estate Planning and Wills. This new field allows more fine-grained recording of whether a client has a will or not, and whether that will reflects their current wishes.
New Frequency Types
Pensions now support the following new frequency types:
"Fortnightly", "4-Weekly" and "Termly" (every four months).
These frequencies can be inputted on the pension policy front page and the Contribution History page. So that member pension contribution frequencies can be updated en masse, the new frequency types are also available on the Group Scheme Categories page and are also supported by the Group Scheme Import Template.
The new frequencies are also available for Regular Fee Schedules and, for any policy type, Adviser Charge Collection Schedules.
RMAR - Section J (Calculation of Fees) Reporting
RMAR Section J (Calculation of Fees) has been added to the RMAR reporting section of JCS. For more information about how these figures are calculated, please refer to the updated help text in the RMAR report.
Single Attorney Option
The Power of Attorney page has a new option of Single Attorney. This covers the case where you only have one attorney who makes all the decisions.
27.002.12 07 July 2017
Additional Details Page Tabs
The Additional Details page can now have fields on up to four separate tabs. This can be useful to segregate different types of data or, if you use a lot of fields, to keep the Additional Details window down to a reasonable size.
To move existing fields to a new tab, go to Global Data > User Fields (Additional Details) and select which tab you would like each field to appear on. The Additional Detail tabs may also be given user-defined names.
27.001.07 20 June 2017
Ability to View Own Disbursements
Some companies may wish to allow their advisers to view what commission payments are currently due to them, without allowing them full access to disbursement records. To achieve this, a new permission for the Disbursements, Pay Adviser Report has been added to the User Management > User Permissions tab. This "View" permission enables an adviser to use the Pay Advisers/Introducers report to see payments due only to advisers they have been linked to via the User Management > Client Restrictions tab.
For more information on how to use this feature, please refer to the help text for "Disbursements and the Pay Advisers Report", which can be accessed by clicking the help button next to "Administration Records" in the User Permissions tab.
Aegon Platform Bulk Valuations
JCS now supports bulk CSV file imports from the Aegon ARC platform. This is seen as a short term measure while Aegon and Cofunds develop a joined up solution to provide real time valuations of all policies.
Electronic Commission - Equities
When importing Electronic Commission, it is now possible to create mappings to Equities. Commission and Adviser Charges for Equities may therefore be imported into JCS using the JCS Format electronic commission statement.
Group Scheme Import Template Improvements
In May 2017 a number of new fields were added to the Group Scheme Import Template. A couple of further enhancements have been made for this release of JCS: It is no longer necessary to specify a Client's Surname or Forenames in order to update their details with the template - all you need to complete is the member's unique NI number and the field(s) you wish to update. Fields you do not wish to update may be left blank, without risk of wiping over the corresponding data in JCS.
In order to assist traceability of member policies, some improvements have also been made to the group scheme Scheme Members reports. These all now include the member policy numbers. The members' DOB, Occupation and NI Numbers have also been added to the Group Pension and Life Scheme Members reports. (As all this data cannot be fitted onto the reports, you have to export to Excel to see these extra fields.)
Mortgage Date Report Enhancement
The Mortgage Date report now allows viewing of Personal, Business or All mortgages. Archived policies are excluded from the report.
Open Clients or Cases - New Preference
In the Open Clients or Cases - Preferences window, there is a new option to "Automatically reopen the last client's Fact Find page." This is ticked by default but, if preferred, may be turned off.
Personnel Import Template
In JCS version 27.000.21, various new fields were added to the Group Scheme Import Template. The new fields, which relate to Personnel data (i.e. Department, Work Email Addresses and Work Telephone Numbers) have now also been added to the Personnel Import Template, which is accessed via the Reports button in the Business Personnel Page.
RMAR Reporting - Policy Holder Name
A column to display the Policy Holder Name has been added to the detailed RMAR reports.
RMAR Reporting - Printing
When printing the RMAR page directly using Ctrl-P, only the relevant sections are now printed. The default orientation is now landscape and any extra screen decoration has been removed from the printout.
RMAR Reporting - Regulated Mortgages
A number of new mortgage types have been added to JCS to allow for better granularity of reporting in RMAR Section B for Regulated Mortgage Contracts. The most notable additions are Buy to Let mortgages and Second Charge mortgages. The former will be excluded from RMAR if they are a business Buy to Let mortgage as they are not regulated by the FCA. However, we have allowed for Buy to Let consumer mortgages, which are regulated and must be reported. Second charge mortgages are important as they must be reported directly in RMAR Section B as a sub type of Regulated Mortgage Contracts.
RMAR Reporting - Section K
RMAR reporting in JCS has been updated to reflect changes made by the FCA in Section K. The output in JCS should now reflect the version in the FCA handbook.
27.000.21 23 May 2017
Ability to Browse While Creating a New Document
When using the Documents Register to create a new document, while the Create and Send New Document page is open, it is now possible to open other client pages. This can be useful to cross-check the new document or to cut and paste data from any of the client's pages.
Group Scheme Import Template
The Group Scheme Import Template (which is accessed via the reports button on any business group scheme) now includes extra fields, which can be used to update the Job Title, Email Addresses, Policy Number and various other group member details. For group pensions, it is now also possible to use the template to update contribution amounts of individual member records, rather than having to use the Group Scheme Category.
Before using the enhanced Group Scheme Import Template, it is recommended to read the updated help text for this feature, which can be accessed via the Scheme Import Template report options.
New Business Register Report - Extra Fields
The Chronological New Business Register report, when exported to Excel, will now show the Client's Adviser, Paraplanner and Administrator.
Sanctions List Date Report
A new Client Sanctions Date report has been added to the Diary And Compliance section. This report can update the Client Sanctions date for clients of all advisers or clients of a specific adviser to a given date. This allows for bulk vetting of an adviser's clients, saving time on data entry.
Upload/Download Permission Enhancement
In the User Management > User Permissions page, there is a new "Un/lock" permission for Upload/Download and the Branch System.
This permission is provided so an administrator can reduce the chances of users performing actions which could cause reversal of changed records, re-instatement of deleted records or duplication of data. Please refer to the help text, which can be accessed by clicking the help button next to the Miscellaneous section on the User Permissions tab.
Write Letters to Children & Other Dependants
Letters can now be written to Children & Other Dependants from the Documents Register page. Diary reminders for letters can also be created for Children & Other Dependants.
27.000.07 18 April 2017
Budget April 2017
JCS is now able to perform Tax calculations using up to date rates and allowances for Tax Year 2017/18. This includes updated rates for Scottish taxpayers, updated Inheritance Tax computations and the addition of Lifetime ISAs.
A list of the updated rates and allowances can be viewed via Utiliites > Tax Tables.
Client/Case Notes - Font Style and Size
In the Client/Case Notes page you can now specify a custom font and size to be displayed in the notes field and the Fact Find report.
Current Income Page -Tax/NIC
The Current Income page now dynamically shows how much Income Tax/NIC is payable by the Client/Partner.
Also shown, is a new figure for "Total Net Income", that shows the gross income with Tax/NIC deducted to align with a client's income after PAYE tax is deducted at source.
Electronic Commission - Canada Life Offshore
JCS can now import adviser fee and commission statements from Canada Life Offshore.
You should contact Canada Life directly to obtain these files by email.
Electronic Commission - Parmenion
JCS can now import Electronic Commission/Fee files directly from Parmenion.
These can be automatically downloaded when available by setting up a connection to "Parmenion Commission" in the External Connections page.
You should contact Parmenion to obtain valid user credentials.
Funds Under Management Report
New grouping options have been added to the Funds Under Management Report: Product Name and Policy Type. There is also a new option to view a Summarised version of this report so the total value of funds in each group can be more easily determined. This report will now also open more quickly than in previous versions of JCS.
There was also a problem in this report, where there could be discrepencies between the Grand Total Funds Under Management figure, depending on which grouping option was used. This was due to funds with negative cash values being excluded from the subtotals. This problem has now been fixed and negative fund values will be included in the sub totals. The Grand Total Funds Under Management figure will now be the same no matter which grouping option is used.
Inheritance Tax - Residential Nil Rate Band
The Inheritance Tax calculations have been updated to allow use of the new Residential Nil Rate Band (RNRB) which comes into effect April 2017. This allowance starts at £100,000 in 2017/18, increasing to £175,000 by 2020/21. Calculations can be based on an existing qualifying property, or a percentage of it, but also on previous properties, making use of the downsizing allowance.
To allow for the complexities of calculating the RNRB, joint calculations have been overhauled, and it is now possible to generate a single IHT computation for either the client or partner, but also a joint IHT computation which can be based on a client 1st death scenario, or a client 2nd death scenario, with transfer of NRB and RNRB to the surviving spouse after the tax on gifts within the last seven years has made use of the available NRB.
Lifetime ISAs
JCS now allows you to classify the type of ISA, one of which is the new Lifetime ISA. The possible types are as follows:
  • Cash
  • Stocks & Shares
  • Cash Junior
  • Stocks & Shares Junior
  • Help to Buy
  • Split
  • Innovative Finance
  • Lifetime
As Lifetime ISAs are designed primarily to supply income in retirement, or to buy a home, they may be used in the What If? > Planning for Retirement Calculator and in the Retirement section in Profile Reports. When used in this way, the 25% government bonus will automatically be factored into calculations.
Power of Attorney In Place
An option has been added to the Power of Attorney Fact Find page, which allows you to specify whether there is a Power Of Attorney in place for the client. This allows you to state explicitly that there is, that there is not, or that you have not asked.
Property & Trading Income Allowance
The new Property & Trading Income Allowance of £1,000 can now be used within JCS tax calculations. As this is an electable allowance, due to the complexities of whether or not to make use of the allowance, this must be selected on a per client basis from the Income Tax page.
Reduction of Money Purchase Annual Allowance
The reduction in the Money Purchase Annual Allowance from £10,000 to £4,000 takes effect from April 2017. This is now reflected in JCS and takes effect from April 7th. (edit: Due to a government u-turn, this will be reversed in the next release of JCS)
Scottish Income Tax
Support has been added for the new Scottish Income Tax Rates and Thresholds. A client's Tax Residency can be specified in the Personal Details page and the rates used for Scottish taxpayers can be seen (along with rates for England, Wales and NI) via Utilities > Tax Tables.
26.200.10 28 February 2017
Upgrade to JCS Databases
This version will require users to perform a significant upgrade to the back end databases of JCS. You should allow 10 to 15 minutes to perform the update.
Benefits to the user will include greater storage capacity, improved stability and reliability.
This upgrade is a major step towards JCS's long term goals to refresh the technology that JCS is built on. Any issues should be reported to tech support as soon as possible.
Administration - Action Diary Reminders
The Action Diary Reminders page now includes any associated Client Name in the list of reminders. Records can be sorted or filtered by Client Name.
These features should make it much easier to quickly see which client a Diary Reminder is linked to.
Administration - Client/Case Notes Location
When the Client/Case Notes page is opened, it will now appear in the same position as it was when it was last closed, rather than centered on the JCS window. This issue was made more prominent when using JCS across multiple screens.
Administration - Paraplanner and Administrator
When opening/searching for a client or case, JCS now shows the assigned Administrator and Paraplanner on the lookup screen. This functionality is only available if the preference to "Record Paraplanner and Administrator" is enabled.
A further enhancement is that the list of Administrators and Paraplanners is now restricted to active users only when selecting the user from the Initial Details page.
Administration - Task Timer
Prior to this release, it was possible to have multiple Timers open for different clients at the same time (on the basis that only one timer can be active at a time). However, it was not possible to have multiple Timers open for the same client . This was restricting some users that liked to switch between different charge categories for the same client, such as chargeable and non chargeable time.
As of this release, it is now possible to have more than one Task Timer open for the same client. The Charge Category is now also displayed alongside the Timer State, so it can be seen even when the Task Timer is in its compact form.
As before, only one Task Timer can ever be running at a time.
Contract Enquiry - All Parmenion Products
JCS now supports a direct link contract valuation service with Parmenion. All policy types are supported down to fund holding level. Once registered, users can now perform a bulk valuation of all policies, or just one policy at a time. For more information contact JCS Tech Support or Parmenion Client Services.
Contract Enquiry - Prudential Retirement Accounts
The Contract Enquiry direct link integration with Prudential has been upgraded to handle their new Retirement Account product. If you already have Contract Enquiry links with Prudential you do not need to do anything different, but valuations for Retirement Accounts should now work correctly.
Electronic Commission - Archived Cases
Prior to this release, when a case was archived, any mappings for Contract Enquiry and Electronic Commission were removed. This was causing issues for firms that still received commission/fees in the payment period immediately after a policy has been transferred/surrendered etc, as it was not possible to post the commission to the archived case.
As of this release, these mappings are no longer removed when archiving a case, and Electronic Commission/Fees may still be posted to archived cases, although a warning will now appear in the Electronic Commission Posting Summary page to highlight this fact. From here it is possible to review any receipts posted to archived cases, and move them to Suspense, if necessary.
To better support this new functionality, new filter options have been added to the Commission/Fees Receipts Ledger and the Data Import - Mapping pages, to allow a user to view only linked to archived cases.
Electronic Commission - Ascentric
JCS can now import Adviser Fee statements from Ascentric. In order to process the Excel documents provided by Ascentric they must first be converted into a format that JCS can handle.
See instructions in the "ECR Registration Guidelines", in:
http://talkjcs.com/techsupport/documents.html.
Electronic Commission - Universal Import Format
It is now possible to bulk import commission and fee payments from any provider by copying the payment details into a simple comma separated value import template. This will allow firms to enter electronic commission for Providers and Platforms that JCS is not directly integrated with, but supply firms with some form of electronic commission/fees document/file.
For more details, please refer to the help text for "Electronic Commission - JCS Format Statements", which can be accessed via the E-Commission/Fees Inbox.
A sample statement, "JCS ECR Import Template", can be downloaded from:
http://talkjcs.com/techsupport/documents.html.
JCS Reports - New Themes Added
This release now incudes a number of new themes for JCS reports that are based on the default Microsoft Office 2013/16 styles. The only notable change is that Microsoft dropped the use of the Cambria font for headings to give a much cleaner, contemporary style.
Note - in order for the Office 2013/16 themes to render correctly, you must have the "Calibri Light" font installed. However, this is distributed with Windows 8 and later, or Office 2013 and later.
26.010.03 12 January 2017
Active Advisers and Users
In Global Data > Adviser Names and Utilities > User Management there are new options to mark if Advisers and Users are "Active". In various drop down lists, where you select from a list of Adviser Names or User Names, now only Active Advisers/Users will be shown. If you want to exclude personnel from these lists, then you can untick the Active option for that Adviser or User.
There is a new option in the Action Diary Reminders page to limit the 'For' list filter to just Active Users and Advisers. (Without this option ticked the names used in all historic Diary records will be shown, which can be unwieldy).
With some large datasets, the list of "Associated Client Names" in the Action Diary Reminders page could be slow and unresponsive. This will now also work more quickly.
Improvements have also been made to the Utilities > Reassign Diary Reminders page, which may be useful to consolidate diary reminders which have been assigned to different versions of the same user's name.
Archive Clients
It is now possible to archive clients by assigning them to the special Adviser Name "*ARCHIVED*", in the Initial Details page.
When clients are archived, all their administered policies are also archived and the client can be hidden from searches and reports.
You may control which users have access to archived clients via the User Management > Client Restrictions page.
In the User Management page there is also a new User Permission, which is required to Change Clients' Advisers (and Archive).
When a client's Adviser is changed (or they are archived) you will now be asked if you would like JCS to automatically create a Client Note detailing the change.
Before archiving any clients, it is highly recommended you read the help text on this topic.
Children and Other Dependants
In the Children and Other Dependants page, there is a new "Relationship to Whom" field.
Electronic Commission - Generic Export
Electronic Commission statements may now be exported to a generic CSV format.
Expression Of Wishes Completed Date
A new field, "Expression Of Wishes Completed Date" has been added to pensions for personal clients.
Improve Mortgage Redemption Penalty Date Report
The Mortgage Redemption Penalty Date Report has been renamed to "Mortgage Dates". It can now be used to display and filter on additional dates as required.
Initial Details Report
There is a new Initial Details report, which can be used to display and filter on dates from the Initial Details Fact Find page.
Report Themes
In User Preferences you may now select from various different colour and font styles to use in JCS reports. The new themes can be used as an alternative to the existing "JCS Classic" theme and are designed to have a cleaner, more modern look.
Separate Client And Case Notes
There is a new option on the Client/Case Notes page to separate Client and Case notes. This emulates the behaviour of the separate pages for Client Notes and Portfolio History Notes, before they were merged in JCS version 26.002. There are also new options for "When Opening This Page".
26.007.07 18 November 2016
Cofunds Cash Holdings
It is now possible to import cash holdings with Cofunds bulk valuations. The External Connections page will offer a checkbox on Cofunds connections with the option to include Cash Holdings in your valuations.
Fact Find Report - Critical Illness Policies
It is now possible to include non-group Critical Illness policies in the Business Fact Find report.
Fact Find Report - Initial Details
It is now possible to include Initial Details in the Fact Find reports.
By default this page is not selected, as it contains information from the client’s Initial Details page, which may not be suitable for presenting to a client. If you are printing a Fact Find Report for your own records, however, then you may wish to include the Initial Details page as an alternative to the Front Page.
Fact Find Report - Needs Analysis Section
When printing a Fact Find report, it is now possible to include any page from the Needs Analysis section (e.g. "Estate Planning & Wills" or "Power of Attorney"), even if the report options are opened from the Administration menu.
Portfolio Report(s) For Client
This report has new options to group by "Product Name" and "Provider and Product Name".
Power of Attorney
There is a new page in the Needs Analysis Details section for recording Client and Partner Power of Attorneys. (This page, along with Estate Planning & Wills, may be accessed from both Financial Planning and Administration views).
Product/Trading Cash Accounts
A new Interest Bearing Account category of "Product/Trading Cash Accounts" has been added.
Receipts via Electronic Payment
A new Transaction Type, "Receipts via Electronic Payment", has been added for use in Client Accounts.
Suspended Commission Receipts Report
The Suspended Commission Receipts Report now shows the Policy Holder's Name.
26.006.09 19 September 2016
Annualised Growth Calculations in Word
A button has been added to policy pages that opens the Annualised Growth Rate Calculation in Word rather than a web browser.
Ascentric Valuation - Incorrect Value Displayed
When performing Ascentric valuations, the Portfolio Summary window could display an incorrect value if there was a cash element present. However, if you checked the funds for this policy it would match what is in the valuation file and JCS would correct itself. This has now been fixed and the Portfolio Summary value will be correct immediately after import.
Commission/Fee Receipts Notes
When manually posting Commission/Fees, it is now possible to enter a Note for all the different commission types. These notes will appear in the Commission/Fees Receipts Ledger.
Notes may also be added to receipts which are moved to Suspended Commission. These notes may be edited whilst they are in suspense, before being posted on to the Commission/Fees Receipts Ledger.
Notes in the Commission/Fees Receipts Ledger may now also be viewed via the policy Commission/Adviser Charge Receipts Details page.
Funds Under Management Report
The Funds Under Management report has had a new filter option added for 'Sold By This Agency'.
IHT Computation Now Shows IHT Mitigation
IHT Mitigation from policies is now included at the bottom of the IHT computation. Any Life Policies or ISAs with a Beneficiary of IHT Mitigation will now be displayed at the end of the computation, along with a breakdown in the notes section.
Long Term Care Needs Life Expectancy
The calculated Life Expectancy can now be overridden in the Long Term Care Needs Financial Planning Fact Find page. This affects the Long Term Care Profile Report section. Client and Partner Life Expectancies are now also available as Bookmarks.
New Fields On Children & Other Dependants Page
You can now assign an Email Address and Telephone number to records on the Children & Other Dependants page.
New Options To Handle Notes Auto-Filter
In the Client/Case Notes page, a new option has been added to specify what happens when the page is opened and no records are found.
Personnel Work Addresses
After updating a Business Client's Head Office or Branch address, you will now be asked if you wish to update the work address of personnel assigned to that Branch.
Portfolio Summary Buttons Changes
The Open Different Client and Fees buttons have been moved from the side of the form to the top as they are not related to the currently selected policy. In addition, a new button has been added to the side which opens the Adviser Charge Collection Schedules for the selected policy.
26.005.06 26 July 2016
Action Diary Reminders - More Details
In the Action Diary Reminders page, when a record is selected, details of the reminder's To Do What/About and Notes fields are now shown.
Action Diary Reminders - Open Clients and Cases
In the Action Diary Reminders page, if the selected reminder is linked to a client, you may now open this client's Fact Find directly from this window, without having to use the Find Clients or Cases page.
Similarly, if a reminder is linked to a case, you may open the policy page directly from the Action Diary Reminders window.
A button has also been added to close the currently opened client Fact Find, and all associated pages, including Sticky Notes.
Adding Business Personnel Enhancements
In the Add Personnel page, the "Add Selected Client/Partner" buttons now appear at the top of the window. Records may now also be double-clicked to add them to personnel.
To help identify personnel, Client/Partner employer details (as they appear in the Personal Details page) are now also shown.
After selecting a Client or Partner to add to a business client's Personnel, there is now an option to either remain on the Add Personnel page, or to return to the Personnel window.
When returning to the Personnel window, the most recently added record, will now be automatically selected.
Find Clients or Cases Enhancements
A few improvements have been made to the Find Clients or Cases page:
After typing in the search box, typing Return will no longer automatically open the first record found in the search results. Instead, the cursor will firstly be moved to the list of search results (where the up/down arrows may be used to select any record). When the cursor is in the record list, only then will typing Return open the selected record.
In the Find Clients and Cases Preferences page, there is a new option to restrict the searches of Personal Clients to Client Names or Partner Names only.
Typing F11 or F12 will now clear the current search (if any) in the Find Clients or Cases page.
Print Label Vetting
When printing labels, the actual labels to be printed can now be vetted the same way you can vet a mailshot. This applies to all the different ways you can print labels, either from a database search or through the "Print Address Labels" menu item.
Sticky Notes Enhancement
When client Fact Find pages or policy pages are opened, to prevent them being hidden, Sticky Notes will now appear in front of the newly opened windows.
Sticky Notes Locations
A new user preference has been added to allow the positions of Sticky Notes to be the same for all users. This option is found in the User Preferences page, under the General Tab.
26.004.04 28 June 2016
Find Clients or Cases
The Open Client Fact Find page has been replaced with a new page: Find Clients and Cases.
This page can be used to find personal clients, business clients and administered policies by searching for matching text in names or reference numbers, or by searching for unique JCS Client or Case numbers.
As of JCS version 26.004.04, whenever a user opens a Client's Fact Find or administered policy page, the Client/Case will be added to their Recently Opened List. There is an option on the Find Clients and Cases page to only show these recently opened records.
You may also now use "Wild card" searches, which enable you to find client names or policy reference numbers which contain specified characters in particular positions.
For more information on how to make best use of the new Find Clients and Cases window, please refer to the help text.
26.003.06 27 May 2016
Annualised Growth Estimates and Adviser Charges
Adviser Charge receipts may now be included in Annualised Growth Estimate calculations. On each policy, which supports Annualised Growth Estimates, there are new options for how to treat Adviser Charge receipts when calculating the growth estimate. You may opt to exclude all Adviser Charges, include only Initial/Ad Hoc, include only Ongoing, or include both Initial/Ad Hoc and Ongoing receipts. You may set a default for this option in User Preferences, for all users in your branch, which will be used if you have not specified an alternative in the policy page.
26.002.14 26 April 2016
Abolition of Tax Credits on Dividend Payments
As of April 2016, tax credits are no longer applicable on dividend payments, due to the introduction of the Dividend Allowance. JCS now treats dividend payments from relevant policies as being received Gross rather than Net.
Abolition of Tax Deduction at Source
As of April 2016, tax is no longer deducted at source for interest from banks, building societies and other interest bearing accounts. JCS now treats interest income from these policies as being received Gross rather than Net. As there as still scenarios where interest may be received with tax deducted at source (non-TDSI schemes) any records in Withdrawal History that are marked as being paid Net will still be honoured as such. If you wish to batch convert these policies, please contact Tech Support for assistance.
Added 2016/17 Tax Rates (Budget April 2016)
Tax Rates, Bands and Allowances have been updated for Tax Year 2016/17.
Bank Accounts - Review Net Interest Payments
A new report has been added, which can be used to review Interest Bearing Accounts which are still paying interest Net of tax in 2016/17. The report has an option to automatically convert Net interest payments to Gross. See Administration > Reports > Client And Portfolio > IBAs - Review Net Interest Payments.
Business Identity Verification Registered Office
The Business Client Identity Verification page has been updated to include a new set of address and post code fields for the 'Registered Office'. The fields previously named 'Address' have been renamed to 'Location of Business' to better fit the report outputs.
Changes to Contracting Out
As of 6th April 2016 it is no longer possible to be 'Contracted Out' of the Second State Pension. Occupational Money Purchase and Occupational Defined Benefit pensions in JCS therefore no longer have the option to Contract Out and no longer calculate NI Rebate figures. In the Personal Details page, the 'Contracted In or Out' field has been changed to 'Previously Contracted Out'. If set to 'Yes' it will only be used in tax computations (to calculate NI Rebates) when calculating tax for Tax Year 2015/16 or earlier. IMPORTANT NOTE - as of v26.002, JCS no longer calculates pension NI Rebates, you should not update to this version if you still need to calculate these figures.
Chronological New Business Report
The Chronological New Business report has a new option to filter and group records by the adviser who wrote the business. This option has been added because the adviser who wrote the business may not necessarily be the same as the client's adviser.
Client/Case Notes and Sticky Notes
Client Notes (Ctrl+N) and Portfolio History Notes have now been combined into a single location in JCS, where each note can be linked to a single case if required.
Any of these notes can now be made into a "Sticky Note". Sticky Notes are coloured notes, which pop up when a Client's Fact Find or a specific case policy page is opened, and automatically disappear when the relevant policy page or client Fact Find is closed.
Sticky Notes can use any of the distributed styles and colours to allow highlighting of certain important client information, but more styles can be added by users to customise the look of specific note types throughout JCS. These are managed in the Sticky Note Style Maintenance window in Global Data Maintenance or by right clicking on a sticky note.
Diary - Action To Do Report
The Action To Do report has been modified to use space more efficiently and a new option has been added to exclude the Notes. This can considerably reduce the amount of paper needed to print this report.
Electronic Commission - Novia
Added support for clawback of adviser charges, including Initial, Ongoing, Fixed and Ad-hoc. Any messages that had previously failed validation will be automatically revalidated by JCS after upgrading to this latest release.
Flexible ISAs
As of 6th April 2016, Flexible ISAs allow savers to replace cash they have withdrawn from their account earlier in the tax year, without this replacement subscription counting towards their annual subscription limit. There is a new field in the ISA page, to indicate if it is a Flexible ISA. When using the ISA Contributions In Tax Year report, withdrawals from Flexible ISAs will be factored in when calculating an owner's Unused ISA Subscription Limit.
Future Assets & Inheritance Tax Liability
In the Profile Report, the graph showing Future Assets & Inheritance Tax Liability has been improved to produce a more relevant estimate of future values and liabilities, where the tax liability of gifts will phase out over 7 years, and any known freezing of the nil rate band is taken into account.
Group Scheme Member Count
When entering/editing a group scheme, it is now possible to manually record the number of members in the scheme without having to create member records for each. This is available as long as no detailed member records exist for the scheme.
Guaranteed Minimum Pension
Occupational Defined Benefit pensions now allow a Guaranteed Minimum Pension (and GMP Escalation rate) to be entered. These figures will be taken into account when using the What If? > Planning for Retirement calculator and for the Planning for Retirement section in Profile Reports. This could also be used to enter a known income in retirement for a defined benefit pension, when the basis information is not known, such as the accrual rates or pensionable salary.
Identity Verification Style
The Verification Style dropdown field on Identity Verification is now saved against each record. This allows the Fact Find Print and File Copy reports to format each Identity Verification record correctly.
Income Tax - Dividend Allowance
When JCS calculates a client's Income Tax, the Dividend Allowance is now factored in to allow up to £5,000 of dividend income to be taxed at 0%.
Income Tax - Marriage Allowance
The Marriage Allowance (previously known as the transferrable married couple's allowance) has been updated to interact with the Savings Nil Rate and the Dividend Nil Rate introduced in 2016, and is now correctly being applied as a relief to the recipient rather than increasing the Personal Allowance.
Income Tax - Personal Savings Allowance
When JCS calculates a client's Income Tax, the Personal Savings Allowance is now factored in to allow up to £1,000 of savings to be taxed at 0%. The amount of Personal Allowance available is automatically calculated based on the individuals higher rate tax payer status.
Interest for Unit Trusts
Unit Trusts now allow Withdrawal History records of type "Interest Income". When performing Tax Computations, withdrawals entered as Interest Income will use the appropriate Savings Income tax rate.
Lifetime Allowance Protection
Support has been added to record if a client has applied for the new Lifetime Allowance Protection schemes for 2016; Individual Protection 2016 and Fixed Protection 2016.
More flexible NI Number formatting
You can now enter NI numbers in any format on the Personal Details page. NI Numbers which fit the UK layout will be formatted as before, but this now allows a user to enter an NI Number from a different country which does not follow the UK format.
New 'Effective Tax' section in Tax Computation
This additional section has been added to the Tax Computation to highlight the effective tax suffered by a client.
Where Personal Pension Contributions are made, Tax Relief is obtained at source by paying the Net amount as a contribution which is then topped up by Tax reclaimed by the Product Provider. This additional tax benefit does not appear in a standard Tax Computation so the benefit received from the Tax Relief is not apparent. An additional section is now present on the Tax Computation showing the 'Effective Tax' suffered by the client.
New Business Initial Details
To match the changes in the Feb 2016 release containing new personal client initial details fields, the business client details has been amended to include the following new fields.
  • First Enquiry Date
  • Fact Find Last Updated
  • Next Contractual Review Date
  • Client Agreement Document Date
  • Data Protection Agreement Date
New Document Bookmark For Your Company Address
A new template bookmark has been added to display your company address 'DocYourCompanyAddress' and 'DocYourFormalCompanyAddress'. The formal variant includes separate lines for the address, while the other just has commas to separate each address part.
New State Pension & Removal of SERPS
JCS has been updated to handle the new state pension that took effect for individuals reaching State Retirement Age after April 6th 2016. Planning for Retirement and relevant parts of the Profile Report now reflect that there is only a single state pension, and no longer provides for calculation of married persons state pension or inclusion of a SERPs estimate. A new option has also been added to automatically calculate an estimate of the state pension if an individual intends to defer taking their state pension after the SRA.
Pension Tapered Annual Allowance
From April 2016 the Pension Annual Allowance is tapered for Income in excess of £150,000. All the rules relating to the criteria and calculation of the tapered limit have been included in the Tax Computations to reflect this.
Pensionable Salary For Personal Pensions
It is now possible to enter a Pensionable Salary and percentage of salary for Personal/Employer contributions for all relevant pension scheme types. The exceptions to this are Section 32 and Drawdown pensions.
Relevant Earnings now used in Tax Computation
Previously the JCS Income Tax Computation assumed that there were sufficient Relevant Earnings in place to cover all pension contributions being made. The Tax Computation has now been updated to calculate and check against Relevant Earnings and will also show a note at the bottom of the computation if Relevant Earnings are low enough to cause tax relief to be limited. This would affect the automatic calculation of Income Tax in Expenditure, and also the Income Tax section in the Profile Report as long as Pension Contributions exceed Relevant Earnings.
Tax treatment of Purchased Life Annuities
Purchased Life Annuities are only taxed on the Interest element of the payment received. Previously this was shown in the Tax Computation under Earned Income but has now been moved to appear as Interest Income to make it clear that both the Savings Starter rate and the Personal Savings Allowance apply to this income, and can thus move the income into a nil rate tax band. JCS assumes an annuity is a Purchased Life Annuity when the Capital Content of the benefit is entered. The difference between the benefit and the capital content is the inferred interest element.
25.101.04 24 February 2016
Decision Basis
The contributions page of a policy can now record the decision basis on any new business to highlight if the business was executed on "Adviser Recommendation" or at the "Client's Insistence". This new field can be used in the filter section of the Chronological New Business Register to specifically report on certain business based on the decision basis.
Default Startup Page
Users can now set a default start-up page, to allow JCS to startup and automatically show the Diary Reminders page, or the Commission entry page amongst others. To set this, open User Preferences to the General tab.
Electronic Commission
Updated to detect the latest file format from True Potential LLP Investments, which was changed recently.
Extra Email Fields in Address Details Page
New personal and work email fields have been added in the Address Details page.
Identity Verification Style Selection
The Identity Verification page has been updated in a number of areas. It will now honour the report style (JMLSG 2006 or Pre 2006) in the fact find print output. The 2006 format has been updated to reflect tax residency self certification for FATCA and CRS purposes. There is now a new field to store any general notes against each record.
New Client Data Export
There is a new data export available under Data > Client Export > JCS Client Export in the menu bar containing a little more data than the Dynamic Planner export, and in a more readable format.
New Fields in Initial Details Page
A number of new fields have been added to the Initial Details page to allow more dates to be recorded against a client.
  • First Enquiry Date
  • Fact Find Last Updated
  • Next Contractual Review Date
  • Client Agreement Document Date
  • Data Protection Agreement Date
  • Financial Sanctions List (client and partner)
Paraplanner and Administrator
It is now possible to assign a specific paraplanner, administrator or both, to a client. This is accessible from the Client Initial Details screen, however the functionality must be turned on in Preferences first, as not all firms wish to record this level of detail for a client. If any user restrictions are in place that would normally prevent access to a client, this would be overridden for users assigned to any of these roles. This could allow administrators to be given access to clients on a per client basis rather than just to clients of a specific adviser.
Pension Guaranteed Annuity Rates
Relevant pension types now allow input of details for Guaranteed Annuity rates. Any details entered on the policy will carry through to the Planning for Income in Retirement calculator and the Profile Report and used to calculate the relevant income in retirement from that asset. The Planning for Income in Retirement calculator will now also show the Effective Initial Annuity Rate % to indicate that different assets may be using different annuity rates based on certain product features such as GAR or GMP.
Portfolio Reports
It is now possible to produce a Portfolio Report for a single policy.
Select All Option on Portfolio Report Policies
You can now use the (De)select All check box to quickly select or deselect all the policies to include in a portfolio summary report.
Tax Residency Details
Client Personal Details now allows the recording of multiple tax residencies, along with the relevant tax identification numbers. This is primarily to assist with the extra level of client information being requested by Product Providers for FATCA and CRS purposes.
25.100.11 06 January 2016
Friends Life Bulk Valuations
JCS now supports the latest bulk valuation file format for Friends Life (Friends Provident heritage business).
Portfolio Summary
The Portfolio Summary page will now show the electronic valuation status of the policy, to indicate policies that have been valued, those that were valued more than a month ago, and those that have been modified manually since the last provider valuation and so may not be an accurate reflection of the policy valuation.
Profile Report Bookmark
A new bookmark has been added, which can be used in Profile Report Definitions. The bookmark name is J028_PreparedByEmail and will show the email address of the client's adviser. If the client does not have an adviser assigned to them, then the current user's email address will be used instead.
User Passwords and Permissions
There has been an upgrade to JCS User Permissions, which allows for far greater control over which areas of JCS, and which client data, different users may access. The new controls for setting user passwords and permissions are in Utilities > User Management, which has replaced the "Passwords" page. Client Restrictions are now more flexible and users may be restricted access to clients of multiple advisers, or alternatively blocked access to multiple clients of advisers. User Permissions are now broken down into more categories, and allow much finer control over which users have permission to View, Modify, Add or Delete various types of JCS records. It is now also possible to force a user to change their password the next time they log in.
25.004.07 25 November 2015
Contract Enquiry for Standard Life SIPPs
JCS can now support contract valuation for most SIPPs provided by Standard Life, and will handle the plan bank account, uninsured funds and external assets such as commercial property. The AMPP product cannot be valued by RTV. However, it is possible to value AMPP policies using the Standard Life bulk valuation file for pensions.
Contribution History Summary
The Contribution History page now has a summary section showing breakdown of contributions for a selected tax year, current regular contributions and the grand total of contributions.
Disbursements Ledger Filter
The Disbursements Ledger Filter options for Payment Against have been updated to use checkboxes instead of the dropdown box, to allow filtering to multiple Payment Against types.
Group Scheme Categories
In the Group Scheme Category pages, values of zero entered into the "Member/Employer Contributions % of Salary" or "Death Benefit X Salary" fields will no-longer be treated the same as blank values. Zero values can therefore now be used to recalculate (and zero) contributions or benefits in the member policy pages.
Novia Commission Import
JCS can now handle ad hoc adviser charge payments from the commission/fee feed in ECR.
Portfolio Summary
Three new columns have been added to the Portfolio Summary page: Status, Status Date and Archive Date.
Resizable Contribution History
The Contribution History page is now resizable.
RMAR Report
Where applicable, the RMAR report can now be sorted by Policy.
25.004.03 28 October 2015
Client Source
The Client Source has been added to Excel outputs of Client list reports.
Electronic Commission
JCS now supports the Adviser Charges file that can be downloaded from the AJ Bell website. This includes both initial and renewal adviser charges.
Electronic Commission
JCS now supports the commission file supplied from True Potential Investments LLP platform for initial and recurring adviser charges.
Electronic Commission
JCS now supports commission/fees feeds from Novia Financial.
ISA Help To Buy
There is now a new flag to specify if ISAs are a Help to Buy ISA.
Office 2016
JCS now works with Office 2016, please see our website for further details about Office 365.
25.003.03 24 September 2015
Amber Valuations
Support has been added for the Amber Financial valuation file to value all policy types on the platform.
25.003.02 23 September 2015
Aviva Wrap Valuations
Support has been added for the Aviva Wrap Back Office Valuation file to value all platform products, which can be downloaded from the Aviva for Advisers website. Non platform products are not held within this file.
Contract Enquiry / Bulk Valuations
Added support for the latest valuation file format from Transact. All users that value policies with Transact will need to update to this release.
Data Import
When mapping funds in the data import window, JCS will now show all fund codes that are presented in the message/file. These will include any SEDOL, ISIN, MEXID and CITICODE fund codes as well as any provider specific or non-specific fund codes.
Data Import
It is now possible to map a cash account in a platform wrap to an existing case in JCS when importing a bulk valuation file.
Group Scheme Reports
The Group Scheme reports (Scheme Members, End of Year Salary and Scheme Import Template) have a new option to filter by the member status.
Scottish Widows Valuations
Support has now been added for valuation of Retirement Accounts and other pensions that hold Plan Bank Accounts/Control Accounts or External Assets such as separate investment portfolios or property.
Standard Life Valuations
Support has been added for valuation of the International Bond from Standard Life International, which may have caused issues previously due to cash and mutual funds. This is available through your normal Standard Life valuation connection.
Standard Life Wrap Valuations
Support has been added for the Standard Life Wrap "Total Holdings Report" for valuation purposes. This can be downloaded from the Standard Life Wrap Adviser website.
25.002.09 27 August 2015
Electronic Commission
Added support for the latest fees file format from Nucleus Financial. All users of Electronic Commission from Nucleus will need to update to this release.
25.002.08 21 August 2015
Chronological New Business Register Report
The Chronological New Business Register report has a new filter option, to allow filtering on the Commencement Date of the policy. There are also new sorting options to sort by Policy number, showing contributions from the same policy grouped together, along with a count of unique cases in each main group. A new option also allows a Summarised report to be produced, which omits the contribution details.
Commission/Fee Receipts Group Schemes
A new grouping option has been added to the Commission/Fees Receipts Report Options page, to enable grouping receipts by Group Scheme. This can be used to show total receipts for group schemes and all their members. A new filter option has also been added, to allow filtering down to one specific group scheme.
Commission/Fee Receipts Ledger Report
The Commission/Fee Receipts Ledger report now also shows details of Policy Type and Product Name. If exporting the detailed report to Excel, then Client Number and Case Number details are also shown. There are also new grouping options, to enable grouping by "Policy Type", "Provider and Product Name" and "Provider and Policy Type".
Portfolio Status Report
The Portfolio Status Report now has an option for a Summarised view.
25.002.04 24 June 2015
Commission Receipts Ledger - New Group Option
In the Commission Receipts Report, there is a new option to Group records by Provider's Statement, with most recent statements shown at the top of the report. There has also been a fix so that, if running a Detailed report, the individual records will be sorted correctly, no matter what grouping option is used.
Contract Enquiry / Bulk Valuations
When attempting an RTV All from a list of portfolio records that include valuations from a bulk valuation download, the bulk valuation file is now only downloaded a single time for each provider. This will make valuations much quicker when using this method, and should be much more stable. This currently affects the following providers: Transact, Cofunds, Novia and Ascentric.
Data Import Mapping
The data import mapping page has been updated so that it is now possible to see which user last used that mapping and how long ago. The multi mappings filter now excludes funds that have multiple mappings to them as long as they map to different unit types (Accumulation, Income etc). Double clicking an entry allows you to see the full text of the map in case it overflows the results fields.
Income Drawdown Calculator
The layout of this page has been improved and the "Minimum Years Required" (from start of the illustration) field has been replaced with "Income Required for x years after first receipt". A new Auto Complete feature has been added and it is possible to select an Age at which income should be taken. Income receipts may now be deferred by a period of years and months, rather than just whole years.
Unit Trusts for Business Clients
Unit Trusts for Business Clients can now have Investment Trust and Cash fund types within the fund holdings.
25.001.06 27 May 2015
AJ Bell Valuations
Support has been added for the AJ Bell Investcentre valuation file to value all policy types on the platform.
External Assets held within Pensions
It is now possible to separate out external assets within the fund holdings of a pension. External assets of all types are treated simply as a sterling value. Assets can be entered as separate holdings, or they can just be entered as a total value on the front screen of the pension policy.
ISA Additional Subscription Allowance
In the Tax Allowances page there is a new section where an Additional Permitted Subscription Allowance may be entered. A figure entered here may appear in the ISA Contributions in Tax Year report.
Lifetime Allowance Protection
In the Tax Allowances page there is a new section where Lifetime Allowance Protection for pensions may be entered.
Max Drawdown Improvements
It's now possible to use the asset picker to set pension fund amount, view 15 year gilt yields, and enter a GAD relevant annuity percentage on the Maximum Pension Drawdown page.
Money Purchase Annual Allowance
In the Tax Allowances page there is a new section where you may indicate if the Client or Partner has accessed flexible pension benefits and triggered their Money Purchase Annual Allowance.
Pension Flexibility 2015
Added support for UFPLS withdrawals from pension products. These are now handled throughout JCS with the correct tax applied, taking into account the 25% tax free element.
Pension Flexibility 2015
Added support for UFPLS, PCLS. Drawdown amounts in Withdrawal History will appear in the Income page of Fact Find, unless they are set as a "Capital" withdrawal, in which case they are treated as outside of normal income.
Suppress Fund History Records
There is a new option in the Fund History page to filter out records which were automatically created by Contract Enquiry valuations. Under Utilities > User Preferences > Miscellaneous > EDI there is a new option to not automatically create Fund History records when Contract Enquiry valuations of funds are performed. You may also delete historic Fund History records created by Contract Enquiry valuations.
25.000.01 30 March 2015
Added 2015/16 Tax Rates (Budget April 2015)
Tax Rates, Bands and Allowances have been updated for Tax Year 2015/16. This includes the introduction of the transferrable tax allowance for married couples.
Advice Given
In the Contribution History page, new options have been added for Advice Given: Focused, Simplified, Appropriateness Test, Auto Enrolment.
Contributions to ISAs
A new report has been added, under JCS Reports > Client And Portfolio > ISA Contributions in Tax Year. This can be used to show each owner's remaining ISA contribution allowance for the tax year.
Electronic Commission
JCS now supports commission feeds from Scottish Life / Royal London, which also includes Adviser Charges.
Electronic Commission
JCS now supports the fee files from 7IM which are available from their website. Both the initial and ongoing fee files are supported within this release.
Switched Business
In the Contribution History page, the Switched Business tickbox has been replaced by a drop down menu with the following options: Yes, No, Pension Transfer, Pension Switch. The Chronological New Business report may now also be filtered on Switched Business.
24.005.07 30 January 2015
Adding New Contribution Record
You can now choose between adding an Adviser Charge or a Commission record after adding a new Contribution History record.
Client and Case Linked To Documents
In the Documents Register page it is now possible to change the Client and Case the document is linked to. Note - this does not update Client or Case details in the document itself.
Document Text Searches
In the Documents Register page it is now possible to search for text contained in the Subject or Document Names. In the Standard Documents Maintenance page it is possible to search for text contained in the Standard Document Names.
Documents Register Filters
It is now possible to use the filters in the Documents Register when viewing documents of a particular client or case.
Electronic Commission
JCS will now detect and handle Cofunds payments where the entirety of any trail commission has been rebated to the client at source. This was previously causing discrepancies between the amount reported in ECR and the amount received in a firms bank account.
External Document Locations
The External Documents Types page has been replaced by a new page: the External Document Locations page. The purpose of this new page is to specify optional, default file locations, to be used when creating links to external documents via the Documents Register. It is no longer necessary to specify which applications are used to open linked files.
FundsNetwork Valuations
JCS now offers optional consolidation of FundsNetwork Unit Trusts, which are split on the FundsNetwork platform into two separate schemes for on-platform and off-platform funds. This can be confusing for users and clients, so this feature is now offered as an alternative to FundsNetwork's own consolidated valuation feature which will consolidate both Unit Trusts and ISA plan years.
Standard Document Maintenance
In the Standard Documents Maintenance page, it is now possible to set Standard Documents as ‘disabled’. These will then be excluded from the drop down lists in the Create And Send New Document page and mailshot pages. It is also possible to set a company-wide default Standard Document, which will be used when the Create and Send New Document page is opened. Each user may also, if they wish, set their own personal default, which they can use in place of the company default.
Support for Docx and Dotx Word Format
JCS now supports the Microsoft Word 'dotx' and 'docx' format. There is a new User Preference (under User Preferences > Miscellaneous > Documents) which can be set, so new documents will be created in these formats. A tool in Database Maintenance can be used to convert your existing Standard Documents to the dotx format.
24.004.15 12 December 2014
Auto dial from JCS using VOIP phones
It is now possible to configure JCS to trigger a 3rd party VOIP phone or software phone to dial a phone number from directly within the software by double clicking on any phone number. This requires certain types of phone hardware/software to work, however the configuration is very flexible. Contact Tech Support for more information on this feature.
Documents Register Speed Improvements
All new documents created by JCS are now saved in a new file structure within the User Documents folder. For users who have a large number of documents, this will improve the speed of opening them. In Database Maintenance, a new tool is provided to migrate old documents into the new file structure, so that they will also open faster. Users who have had to previously archive documents to different locations in order to improve performance may use the migration tool to re-integrate the documents into the main JCS User Documents folder.
Estate Planning - IHT Gifts
Entering gifts for IHT planning has been overhauled. It is now possible to enter a complete chronological list of dated gifts, which can be allocated to either the client or the partner. This eliminates the historical requirement to "push" gifts backwards every year as part of a review. As part of this overhaul, it is also now possible to enter Chargeable Lifetime Transfers (CLTs) into JCS.
Group Scheme Import
It is now possible to automatically create personnel records, and group scheme member records from a specially formatted excel spreadsheet. Member records can be assigned to a Group Scheme Category automatically, which then allows a user to "push" the latest salary/contribution details into all member records using the Group Scheme Category update functionality.
Personnel Import From Excel
It is now possible to export a completed excel template for a business client, that can be updated and then imported back into JCS directly to update salary information.
24.003.11 20 October 2014
Chronological New Business Report
This report now has new options to specify which Advice Given types should be included.
Client Accounts Reports
When exported to Excel, the Client Accounts and Fees & Expenses reports will now include the Client Source. These reports may now also be grouped by Client Source.
Commission Breakdown Report
The Commission Breakdown report can now be filtered to "Personal" or "Business" clients.
Data Export
There is a new option on the menubar to export Client, Portfolio or Fund Holdings data in CSV format. Data can be exported in formats suitable for Dynamic Planner, Legacy Asset Systems and Cofunds Funds Supermarket imports.
Estate Planning and Wills
It is now possible to generate a detailed breakdown of the Inheritance Tax calculation for a client.
IHT Treatment
Personal policies now have a new option to determine how they are treated for Inheritance Tax purposes.
Pension Amount Payable on Death
Pensions have a new option to specify how the (pre vesting) amount payable on death can be made up from the Death Benefit and/or Fund Value of the policy. Pensions which have passed their Vesting Date will show their Current Value as the 'lump sum on death' in the Client Portfolio report.
Rules of Intestacy
The rules of intestacy have been updated in the Profile Report, to reflect the changes defined in the Inheritance and Trustee's Powers Act 2014
Search Database
Added ability to search for clients based on the size of their smallest pension pot, or the size of their total pension pot.
Windows 10 Support
Support has been added for installation on Windows 10 as a legacy application in preparation for next year's release.
24.002.10 15 August 2014
Chronological New Business Report
Extra grouping and report filtering options have been added to the Chronological New Business register report.
Client Accounts Reports
The Client Accounts and Fees & Expenses reports may now be restricted or grouped by Client Code.
Client Accounts, Charge Categories
The Charge Category now appears in the list of transactions in the Client Accounts and the Regular Fees pages. Records in these pages may now also be filtered by Charge Category.
Documents Register
The Documents Register page is now resizable and it is now possible to sort the records by any of the columns.
Pay Advisers, Introducers and Rebate Clients
The Pay Advisers, Introducers and Rebate Clients reports may now be grouped or sorted by Payment Type or Client Name.
RMAR Reporting
The detail reports for Section B, Column C now also show the Charge Category where used. These reports may also be grouped and sorted by Charge Category.
24.002.04 22 July 2014
Charge Rates Filters
In the Charge Rates page it is now possible to search by Charge Category. With large datasets, selecting records in the list should now also be more responsive.
Contract Enquiry
Added support for version 6 of the Transact valuation message.
Fees & Expenses Reports
The Fees & Expenses reports can now show details of the policy that the fees relate to. Reports may also now be filtered and grouped by the policy they relate to.
Fund Management Report Options
Added new grouping and restriction options to the funds under management report.
Life and Critical Illness Policies
The Qualifying Salary and Benefit X Salary fields have been added to the personal Life and Critical Illness policy pages. This allows these fields to be used for member policies without having to create a Group Scheme.
Profile Report - Estate Planning
Added support for unused Inheritance Tax Threshold to the Estate Planning, Inheritance Tax page. This will carry forward to the Estate Planning section of the Profile Report to increase a client's nil rate band.
Profile Report - Estate Planning
The calculation of Inheritance Tax now takes into account the annual exemption on gifts within the last 7 years. Unused exemptions are brought forward for one year.
Statement Reference
When entering Commission/Fees a Statement Reference can be used to differentiate statements which have the same Provider Name and Statement Date. When commission/fees are posted, the Statement Reference will appear in the Commission Receipts Ledger and can be used to filter for various reports. An 'Application-defined or object-defined' error could occur when opening the filter page for the Suspended Commission page. This has also been fixed.
24.001.20 25 June 2014
File Copy Print Preview
Added print preview to file copy reports, which allows them to be printed to any printer instead of only the default.
Incorrect/Overdue Reports
The Incorrect/Overdue Commission Receipts and the Incorrect Overdue Adviser Charges reports have a new field, 'Position As Of', which can be used to set the date the commission/adviser charge expectation is calculated from.
Merging Case Options
Advised Case Numbers for fees and regular fees are now automatically changed when merging cases, and there is a new option to merge adviser charges.
Scheme Member Bulk Updates
It is now possible to perform bulk updates of scheme member policies which use a Group Scheme Category. It is also possible to use a Client or Partner's Salary History record to update all the scheme member policies they have with a Business Client. There is a new filter option in the Personnel reports which can be used to find Personnel who have a missing Qualifying or Pensionable Salary figure in their latest Salary History record.
Scheme Members
The Scheme Members page now also shows the Scheme Category that each member belongs to, and it is also possible to sort by this column. When this page is opened it will automatically resize to the size it was last set to and use the last Sort By option used.
24.001.10 16 May 2014
Electronic Commissions
JCS now supports the weekly Fee File from Cofunds (IS 3428) to allow import of Adviser Charges.
Portfolio Summary Column Headers
When the columns in Portfolio Summary are resized, the widths will be remembered when the page is next opened. The Frequency column has also been added and it is possible to group the records on Frequency.
Post Charge As Invoice Only
If the Time/WIP is enabled, in the Charge Rates page, there is a new Post Charge As option: 'Invoice Only'. The option of 'Invoice' has been renamed 'Invoiced Time'. Fee transactions using a Charge Category which is set as 'Invoice Only' will only appear in the Sales Ledger and, unlike 'Invoiced Time', will not appear as a credit in the Time/WIP Ledger.
RMAR Reporting
When viewing detailed reports from the RMAR reporting screen, the output can now be sorted by either client number or client name.
RMAR Reporting
Added better support for Adviser Charges being taken from Cash Accounts. These are now reported in Section B as Fees/Adviser Charges for advice on Retail investment products, as Adviser Charges can only ever be taken for advice on a retail investment product, so this classification is implied.
Task Timer
You may now optionally select a 'Fee Relates To' case in the Task Timer.
Time/WIP Written Back
A new Transaction Type, 'Time/WIP Written Back' can be selected in the Time/WIP Ledger, which can be used to add an amount to Time/WIP.
24.001.02 22 April 2014
Task Timer Improvements
The Task Timer no longer needs to be hidden whilst other pages are open. It is also possible to have more than one timer window open for different Clients. If the User Preference 'Automatically start Task Timer when opening a new Client Fact Find' option is selected then a new timer window will open and start timing whenever a client Fact Find is opened. Any timer running for the previous client will be automatically paused, allowing the Notes and other details to be amended before stopping the timer and recording the fee.
23.104.05 24 March 2014
Action Diary Reminders
The Action Diary Reminders page now shows how many items are listed under each reminder type.
Action Diary Reminders
In the Action Diary Reminders page the Due To Date may now be set to several options from a drop down list (eg '1 Month From Today'). For each user, this option can be chosen to apply as the default To Date when the page is opened.
Added 2014/15 Tax Rates (Budget April 2014)
Tax Rates, Bands and Allowances have been updated for Tax Year 2014/15. This update includes the interim changes to Pensions for 2014/15 (ie 150% of GAD drawdown, etc), but does not include the removal of drawdown limits announced for 2015/16 as these changes are subject to consultation.
Added More Bookmarks
Employment status, marital status, and residency are now available to be used as bookmarks in document templates, and date of death can be used in document templates and profile reports.
Client Accounts
Time/WIP now has a different background colour to highlight that it is a different ledger.
Commission Expected Report
The Commission Expected to a future date report can now be restricted by the following commission types: Initial, Level, Renewal, Fund Based Estimates.
Commission Receipts Reports
Added lots of new filters and grouping options, as well as a detailed and summary view that now makes it easier for users to determine the total commission / adviser charges amount on a per client basis within a time period.
Diary Reminders
The Diary Reminders pages (To Do, Telephone, Letter and Fax) have been redesigned so it is now possible to link Diary Reminders to any Client and Case, without having to log into a new Client's Fact Find. It is also now possible to access a Client's Fact Find and Portfolio pages without having to close the Action Diary Reminders page.
Rebuild Password Database
It is now possible to rebuild the passwords database if it becomes corrupt.
23.103.06 04 March 2014
Client Accounts Reports
The Client Accounts report has a new option to produce separate reports for the Sales Ledger (the default), Time/WIP Ledger and Recoveries Ledger.
Client Accounts Time/WIP Ledger
There is a new User Preference, found under the Miscellaneous tab, to use the Time/WIP Ledger. This allows keeping records of time spent on a task without it necessarily appearing on the Client's Sales Ledger.
Contract Enquiry
Added support for RTV and bulk valuation of Novia policies. See the latest registration guidelines for more details.
Resizable Client Accounts Page
The Client Accounts page is now resizable and for each user will open the same size it was when last closed. It is also now possible to access other pages and the menubar whilst keeping the Client Accounts page open.
23.101.01 20 December 2013
GAD Review Date
This new field has been added to the personal pension pages. If the case has Maximum Drawdown History records then the GAD Review Date will be set to the latest Expiry Date of the drawdown calculations. If there are no Maximum Drawdown History records then a GAD Review Date can be manually entered.
Tax Free Cash Withdrawals
On administered personal and member pension pages, this new field will show the total tax free cash Withdrawal History records to date.
23.100.12 11 December 2013
Admin Property
A new administered product type, 'Investment Property', is now available. A client's existing 'Property and Other Assets' Financial Planning records can be converted to Administered records by using the 'Convert To Administered Policies' tool under the Utilities menu. Only Other Property, Jewellery/Furs, Art/Antiques/Investment Item, Car/Caravan/Boat, Holiday Home or Other Asset Types may be converted.
Annuities
Annuities can now handle Adviser Charge Schedules of all types to reflect the changing flexibility in Investment Linked and Flexible Annuity products.
Financial Details Refresh Button
It is possible to have a Financial Details page (Current Income, Income Tax, Annual Expenditure, Assets and Liabilities) open whilst amending administered policy records. When changes are made to the policies which may affect the Financial Details, a button will appear so that the Financial Details can be recalculated.
Investment Funds No Longer Automatically Revalued
Investment funds for a case are no longer automatically revalued when opening the Investment Funds page. Instead it must be performed manually by clicking the value funds button.
Multiple Pages
In Administration mode, you may now have multiple policy (and Contribution History, Withdrawal History, Investment Funds etc) pages open simultaneously.
New Pension Scheme Types
Two new personal pension types have been added: 'SIPP (Basic)' and 'Unsecured (Drawdown)' with specific relevant functionality. Note, the SIPP (Basic) does not support external assets or property.
Page Captions
Many pages now include the Client Number and Case Number in their page captions. This is particularly useful when working with multiple pages open simultaneously.
Portfolio Summary Now Resizable
This page can now be resized by clicking and dragging the corners of the window. For each user the page will 'remember' what size it was when last opened.
Sorting of Portfolio Summary
You may now sort the items in Portfolio Summary by clicking on any of the column headers. The drop down list of 'Sort Order' has been removed as it is no longer required.
Total Current Regular Contributions
In the Contribution History page there are new fields to show the total current regular personal and employer contributions.
23.007.24 04 March 2014
Electronic Commission
Agency payments and interest payments can now be handled, so that they are posted directly to the commission receipts ledger.
Planning for Retirement
Pension projections can now take into account detailed Contribution History records of administered pension policies when calculating a future fund value.
Suspended Commission
If an Electronic Commission Statement identified an Agency payment, or an Interest payment, this was previously posted to Suspended Commission, with no means to post it to the Commission Receipts Ledger. It is now possible to post both Agency and Interest payments out of Suspended Commission.
23.007.11 10 December 2013
New tool to allow conversion of fund code types
We have introduced a new tool in JCS to allow Tech Support to assist in converting fund code mappings from one fund code type to another, such as SEDOL to MEXID, where the data is available. This tool was introduced specifically to address the decision by Skandia Life to stop using SEDOL codes in their Contract Enquiry service.
23.007.10 25 November 2013
RMAR Reporting
RMAR Reporting can now be filtered at branch level to allow correct reporting per FCA guidelines.
Search Database
It is now possible to search for records in Commission Receipts
23.005.02 26 September 2013
Contract Enquiry
The use of, and selection of user and company certificates has now been enhanced. Expired certificates can no longer be used in a valuation request and certificates that are stored in the external connections profile but not accessible on the local computer cannot be used in a valuation request. The user will be notified of these conditions when they attempt a valuation request under these circumstances. The list of available certificates in external connections has also been made simpler to only list personal, non-expired certificates.
23.004.01 23 August 2013
Fund Based Renewal Commission
It is now possible to set a cease date for receiving fund based renewal commission on a case. This is for cases that have converted to Ongoing Adviser Charges, and should no longer be receiving trail commission. This ensures that cases do not appear in the report "Commission Expected to a Future Date" when they are no longer receiving trail commission.
RMAR Reporting Enhancement
The "Business Type" field in Business Client Fact Find now has an effect on the default charge types used in RMAR reporting fields within Client Accounts. Non-commercial business types, including Trusts, Charities, Clubs and Associations will now default to selecting Adviser Charges for reporting purposes rather than Consultancy Charges, which was previously the default for all business clients.
23.003.02 08 July 2013
Product Providers RMAR Classification Report
A new report has been added, located under Global Data Maintenance > Product Providers > Print Button > Report Type = 'With Category and RMAR Classification'. This report can be used to produce a printable list of Product Providers, so their RMAR Classification can be reviewed.
23.002.07 02 July 2013
Added new RMAR Section K & L reporting
From 1/7/2013 additional RMAR reporting is required in sections K & L. This has been added to JCS.
Added RMAR Classification
RMAR Classification can now be set for Product Providers on the global data maintenance page.
Advice Provided
Under Utilities > User Preferences there is a new option for 'Advice Provided' for the user's branch. By default this is left blank but one of the options, 'Independent' or 'Restricted' must be selected before a RMAR report can be run.
Aged Debtors Report
This new report can be accessed from the Client Accounts/Fees section of the JCS Reports window. It can be used to show outstanding amounts on Client's Accounts with details of how long these amounts have been outstanding.
Creating Fees for Adviser Charge Schedules
To facilitate the creating and review of Fees for Adviser Charge Schedules, buttons for the Client Account and Regular Fee Schedule pages have been added to the Adviser Charge Collection Schedules page. A new button, 'Create Fee(s)' has also been added to help quickly create a Regular Fee Schedule or single Fee to match the Adviser Charge Schedule. When this button is used, the new data fields required for RMAR reporting will also be automatically completed for the new fee.
New Fields in Client Accounts and Regular Fees
New data fields have been added to the Client Accounts and Regular Fees pages which are required to complete RMAR Section K and L reporting. When upgrading to this version, JCS attempts to set the RMAR section details for each fee by looking for existing Adviser Charge Collection Schedules which match the fee. The values which JCS assigns for the RMAR reporting fields can be overridden at any time.
23.001.05 24 May 2013
Electronic Commissions
It is now possible to map commission and Adviser Charges to Annuity policies when using ECR.
Electronic Commissions
Adviser Charge receipts can now be automatically assigned to Adviser Charge Collection Schedules based on new preferences. See the User Preference screen for details. When auto invoicing has been enabled on an Adviser Charge Collection Schedule, this will also generate an invoice from the receipt during the import process.
Incorrect/Overdue Adviser Charges Report
New report added, 'Receipts, Adviser Charges Incorrect/Overdue', which can be accessed from the Commission/Production section of the JCS Reports window.
23.000.04 24 April 2013
Added 2013/14 Tax Rates (Budget April 2013)
Tax Rates, Bands and Allowances have been updated for Tax Year 2013/14.
Added Support For Regular Fee Schedules
Regular Fee Schedules can now be added and viewed via a new button on the Fees - Client Accounts page.
Adviser Charges Reporting
A new report is now available to calculate Adviser Charges Expected to a Future Date. Functionality is similar to the Commission Expected to a Future Date, but based purely on Adviser Charges.
Electronic Commissions
Added Support for Standard Life Commission feed which includes Adviser Charges.
Electronic Commissions
When processing commission statements in Origo EDI format, the commission due date is now imported, if provided. This change should be seen with most traditional life product providers.
Electronic Commissions
Users can now enter a value to override the payment date of a statement. This is intended for when Product Providers either do not supply a payment date, or they are supplying a payment date which is incorrect.
Enhanced Tax Computation
Additional notes have been added to the Tax Computation to provide further information when Personal Allowances are limited, whether due to insufficient income, age tapering or high income tapering, and where they are enhanced as a result of pension contributions.
Regular Fee Disbursements
It is now possible to create Disbursement records against Regular Fee Schedules (rather than having to create disbursements against the individual fee records).
22.007.04 03 April 2013
Adviser Charge Collection Schedules
It is now possible to create Adviser Charge Collection Schedules - records against a policy detailing charge expectations over a specified period of time. New and historic adviser charge receipts for the policy may be assigned to its Charge Collection Schedules which, if required, can automatically generate corresponding invoice entries in the client's account.
Disbursements of Adviser Collection Schedules
Disbursements may be set up against an Adviser Charge Collection Schedule record, which covers all invoices automatically generated by the Collection Schedule.
Entering Adviser Charge Collections
In the Enter Commission/Fees Received Page, it is now possible to post Adviser Charge Receipts against Adviser Charge Collection Schedules which have been set up for the policy in question. Invoice entries can also be automatically generated in the client's accounts upon receipt of the fee collection.
Entering Charge Collections From Suspense
As in the Enter Commission/Fees Received page, it is now also possible to assign Suspended Commission to Adviser Charge Collection Schedules.
EU Gender Directive
Modifications have been made to the GAD calculator to make all calculations Gender Neutral.
New User Preference
There is a new setting under Utilities > User Preferences > Miscellaneous > Adviser Charge Collection Schedules to allow auto invoicing for non % Ongoing (Fund Based) Adviser Charge Receipts. By default the option is turned off.
When to Disburse Fees Option
For disbursements created against fees there is a new option for when the disbursements will be paid. By default they are paid after a client's statement has been printed and after vetting via the Pay Advisers, Introducers and Rebate Clients report. Now you may also select to pay the disbursements after the client statements are printed, but without vetting, or immediately - without the need for a client statement.
22.006.12 18 February 2013
Additional Contract Enquiry Service
Support for real time valuation of Seven Investment Management accounts is now supported. See the latest Registration Guidelines for details.
Electronic Commissions
Added Support for Canada Life Commission and Adviser Charges Network Files which include multiple agencies within one file.
Enter Commission/Fees Received
The Enter Commission page has been redesigned to allow entry of Fee Collections and easier manual entry of other commission types. It is now also possible to enter commission to a policy which has a different Provider Name from the commission/fee statement.
22.006.07 24 January 2013
Unit Trust Fund Holdings
The Unit Trust policy type can now handle fund holdings of fund type Cash, Shares, Unit Trust and Investment Trust.
22.006.04 18 January 2013
Windows Server 2012 Support
JCS now supports installations on Windows Server 2012 with Remote Desktop Services as a legacy application.
22.005.02 21 December 2012
Electronic Commissions
Added support for the new Legal & General message format to handle adviser charging.
Electronic Commissions
Added support for the new Skandia SIS message format in readiness for adviser charging. This also includes support for Switch Fees.
Update Exchange Rates from Policy Valuations
Users now have the option to update currency exchange rates in Global Data when this data is available in either a bulk valuation file, or a real time valuation. This is currently supported for Royal Skandia bulk valuations. Others may be added in the future if the data is included within the message. This option must be enabled from User Preferences.
22.004.02 19 November 2012
Additional Contract Enquiry Service
Support for real time valuation and bulk valuation of Ascentric policies is now supported. See the latest Registration Guidelines for details.
Electronic Commissions
Added support for Canada Life Commission and Adviser Charges Files.
22.003.07 24 October 2012
Added Support For Merging Cases
It is now possible to merge together cases by right clicking in portfolio summary window. Refer to the help text for more information on this function.
Electronic Commissions
Added support for Skandia Life commission messages. Advisers can now receive electronic statements for initial, renewal and fund based commission.
Electronic Commissions
Added support for Standard Life commission messages.
Support for Office 2013
JCS now supports integration with Office 2013, in readiness for its impending release.
Windows 8 Support
JCS now supports installations on Windows 8 as a legacy application. Windows 8 RT is not supported.
22.002.01 17 August 2012
Added New Option To Search Database
In Admin > Search Database there is now a new search link criteria to allow more complex searches to work correctly when searching the database. Refer to the help text for an explanation on how to use this feature.
Updated Group Scheme Page
It is now possible to convert between individual and group members while on the Group Scheme Page.
22.001.07 20 July 2012
Commission Receipts Ledger Updated
The Commission Receipts Ledger is now resizable to make it easier to view many records at once. For any commission receipts that are linked to a policy, the policy holder is now also shown.
New Search Filters for Electronic Commission
It is now possible to filter the Electronic Commission Inbox by intermediary codes, and/or Payment Agency codes.
Update to Client Notes
Client Notes is now resizable to allow better viewing of large notes. Several new options have been added to this page to ease usability.
Update to Incorrect/Overdue Commission
When creating a report for incorrect/overdue commission, it is now possible to restrict the report to a single client, or even a single case of that client.
Updated Data Import Mapping
Data Import Mapping now allows the selection of multiple items at once to allow for block deletion of many mappings.
22.001.02 22 June 2012
Added New Adviser Fee Collection Sub Types
Adviser Fee Collection receipts can now be allocated to one of several new sub types to indicate if the fee is based on a premium, fund holdings or an ad hoc amount.
Added Support For Nucleus Fees Report Import
The Nucleus Fees report can now be imported into JCS using the E-Commissions interface.
Start And Cease Dates For Fund Based Disbursements
Disbursements set up against Fund Based commission now support both Start Paying and Cease Paying Date restrictions. This allows greater flexibility when setting up disbursements: for example you may now create multiple disbursements for the same Adviser/Introducer or Client, with different Commission Rates applicable over different time periods.
For all types of commission, the user interface for the Disbursements Page has been reviewed. As new disbursements are added, various warnings may be displayed if it looks as if the disbursements could pay an unexpected amount. (For example, if the Commission Rate of all the disbursements exceeds more than 100%.) These disbursement warnings will remain on the page, even if it is closed and reopened, until the warnings are addressed.
Updated Cofunds EDI Imports
Data imports for Cofunds, including the commission file and the valuation file, will both now show the Cofunds Customer Reference number on the Data Mapping screen to allow for easier and more reliable mapping of clients.
Updated Commission Details View
When viewing the details of commission received, the list of receipts now show extra information about the receipt to help diagnose incorrectly posted commission receipts.
Updated Commission Receipts
Electronically posted commission receipts can now be re-allocated to different policies or commission records by sending them to Suspended Commission Receipts where they can be manually re-allocated.
Updated Suspended Commission
When suspending commission receipts, it is now possible to store the policy holder name as supplied in the commission statement.
Updated Suspended Commission Receipts
Suspended renewal commission can now be posted as Block Renewal.
22.000.10 28 May 2012
Enhanced Filtering in Data Mappings
The Data Mappings screen has been updated to allow better searching of all the records.
Improved Posting of Suspended Commission Receipts
The Suspended Commission Receipts Page has been redesigned, to make posting suspended commission clearer and easier. Instructions appear in the lower part of the page to help you choose a policy and commission record to post the suspended commission to. The Post button remains greyed out until the suspended commission is ready to be moved and is now the only way to post the commission from suspended commission.
Refer to the Updates section to see fixes to several issues in Suspended Commission.
22.000.00 20 April 2012
Added 2012/13 Tax Rates (Budget April 2012)
Tax Rates, Bands and Allowances have been updated for Tax Year 2012/13. Includes new Child Benefit charge, phased withdrawal of Age related Personal Allowances, revision of Car Benefit in Kind up to 2016/17. Excludes cap on unlimited income tax reliefs (effective April 2013) and SEISs.
Additional Contract Enquiry Service
Real Time Valuations for Sanlam ISAs and Unit Trust policies, namely GIA policies have been added.
Support For Latest Scottish Widows Bulk File
Scottish Widows recently changed the bulk valuation file format due to the abolition of protected rights. JCS can now detect and import this new format.
21.203.02 16 March 2012
Additional Contract Enquiry Service
Real Time Valuations for Skandia Life endowment policies, namely MIP policies have been added.
21.202.07 02 March 2012
EIS and VCTs now Supported
Enterprise Investment Scheme and Venture Capital Trust type Equities may now be created. Equities previously entered as Enterprise Zone Trusts will be converted to Venture Capital Trusts. Business Expansion Schemes created after 31/12/1993 will be converted to Enterprise Investment Schemes.
Improvements to Tax Computations
The Tax Computations have been enhanced to deal with the specific differences between Venture Capital Trusts, Enterprise Investment Schemes and Enterprise Zone Trusts. Previously these were all treated in the same simplistic way but now the correct relief rates and rules are applied.
21.200.12 03 February 2012
Updated Conversion of Financial Planning Records
When converting Financial Planning records to Admin records, the option now exists to automatically file a contribution history record based on the personal and employer contributions on the front screen of the policy.
21.200.11 01 February 2012
Improvements to Client Fees page
The Client Accounts/Fees Page has been reviewed to improve usability and fix a number of issues:

- When filtering to view records of a single client, their Balance Brought Forward will be displayed if viewing non completed items only. Their Opening Balance will now be displayed when viewing all of their transactions.
- New Transaction Types have been added to include Adviser Fee Collection and credit notes.
- The ‘Include Records for Branch’ filter option now works correctly.
- When attempting to enter a valid Time, a message: ‘The value you entered isn’t appropriate for the input mask’ could appear, preventing the time from being entered. This issue has been resolved.
- If a statement has not yet been generated for a client, their Opening Balance may now be viewed and edited. After the first statement has been generated for the client it is no longer possible to amend their Opening Balance.
- Records which have automatically been set to ‘Completed’ by producing a client statement can no longer be changed to not completed which ensures that the details cannot be modified. Records which have been manually set to Completed, however, can still be changed.
- If a user’s permission had ‘Access Restricted to Clients of Adviser’ set, the records displayed in the Client Accounts/Fees page would appear as that user’s name. This issue has been fixed so the correct staff member name is displayed.
Modified field sizes to accommodate Tahoma Font
JCS may be modified to be viewed using the Tahoma font, which is easier to read for some people. To change the default font on your installation please contact Tech Support.
New Commission Receipts Ledger Filter Option
Items in the Commission Receipts Ledger and Suspended Commission Receipts Ledger may now be filtered by Statement Date.
New Database included within DB Maintenance
Version 21.200.XX introduces a new database for storing Commission records. This is now included in the Backup/Restore/Compact/Repair/Rebuild functionality in DB Maintenance.
New Paid to Date Disbursement Details button
Once a payment has been received for a Disbursement, you may click on the new 'Paid to Date Details' button to see a breakdown of those payments. The payments shown from the JCS Disbursement Ledger records cannot be edited here but you may add or amend a 'Manual Adjustment / Brought Forward' value if you wish.
New Received to Date Commission Details button
Once a payment has been received for a Commission record, you may click on the new 'Received to Date Details' button to see a breakdown of those receipts. The payments shown from the JCS Commission Receipts Ledger records cannot be edited here but you may add or amend a 'Manual Adjustment / Brought Forward' value if you wish.
21.010.09 02 December 2011
Added Maximum Drawdown History Page
For Pension types which support Drawdown, a new page has been added to store the historic Maximum Drawdown amounts for that policy. This new page can be accessed via the pension's Withdrawal/Income History page.
Added Maximum Pension Drawdown Calculator
A new 'What If' calculator has been added to the system. The Maximum Pension Drawdown allowed under GAD (Government Actuary's Department) rules can be automatically calculated, including looking up appropriate yields and Basis rates. The new page can be accessed via the Maximum Drawdown History Page or from the menu bar: Financial Planning > What if? > Maximum Pension Drawdown.
Improvements to Withdrawal/Income History
Regular Withdrawals/Income, (such as 'Annually', 'Quarterly' or 'Weekly'), may now be entered in the Withdrawal/Income History page to apply between any date range specified.

Instead of an option for either ‘Cash’ or ‘Distributed’ income, there is now the option for Withdrawal Types of: ‘Withdrawal’, ‘Interest Income’ or ‘Dividend/Yield Income’. It is now also possible to specify whether Income is ‘Distributed’ or ‘Rolled Up’. Both Distributed and Rolled up are treated as Income for Tax purposes, but 'Rolled Up' items are not included in Annualised Growth Calculations as they do not represent withdrawal from the policy/case.

In the Withdrawal/Income History page, the Withdrawal Type, Tax Free, Paid Gross/Net and Distributed/Rolled Up options available are now dictated by the policy type. (For example, Shares may have Withdrawals or Dividend/Yield Income. If they have a Withdrawal, it is always Tax Free. If they have Dividend/Yield Income, it may either be Tax Free or not Tax Free. If the Dividend/Yield Income from Shares is set as not Tax Free, it may be paid either 'Gross' or 'Net' and is always 'Distributed'.)

The Withdrawal/Income History Page now also shows the total Withdrawals/Income in the current tax year and entries in this page are now also used to calculate figures in the client’s Current Income Page. If there is no Withdrawal/Income History entered for a policy for the current tax year then the Withdrawal/Interest/Yield records on the main policy page will be used instead.

21.009.01 21 October 2011
More accurate Expenditure Calculations
Where Contribution History has been entered for a policy, it will now be used to calculate expenditure and appear in the client's Expenditure page. If there is no Contribution History entered for the policy (or if the contributions there amount to zero for the current tax year) then the contribution record from the main policy page will be used instead.
New 'Commission Due Date' option
When posting commission, it is now possible to enter a 'Commission Due Date' in the Enter Commission Received page. If entered, the Commission Due Date is used instead of the 'Commission Received Date' when calculating which disbursements are due to Advisers/Introducers (according to their 'Start/Cease Payments' dates in the Commission Disbursements page).
Option to manually input Income Tax and NI figures
After creating a new client, by default their Income Tax and NI will be calculated automatically (unless the client and partner's Reducing Tax Bill Priority is set to 'Not Important'). Whatever their Priorities, in the Annual Expenditure, Tax/NIC Details page you may now opt to not calculate figures for Income Tax and NI and enter your own values.
21.008.03 16 September 2011
Business Unit Trusts can now use RTV
Business unit trusts can now be setup to use RTV with providers that support Origo messaging for unit trusts, notably Skandia SIS. This was previously restricted to personal client unit trusts only.
Changes to Portfolio Report
The Portfolio Report now has the option of reporting Mortgages and/or Property and Other Assets. By default Mortgages will now be included in Portfolio Reports. This is a change from the way Portfolio Reports previously worked. The default is to include Administered Mortgages and Loans as these are in fact part of the Portfolio held with the Adviser. Property and Other Assets can also now optionally be included in the Portfolio Report. Only Property and Other Assets entered individually on the Property and Other Assets page can be included. By default Property and Other Assets are not included as they are not necessarily administered by the Adviser and therefore would not be part of the Portfolio held with the adviser. If a full Net Worth report is required this can still be obtained using the exiting Profile Report (Financial Position Section) which includes all assets and liabilities whether Administered or not.
21.007.02 19 August 2011
Additional Contract Enquiry Services
Clerical Medical Pensions and Bonds.
Extra fields in Excel export of Client List
After performing a database search and selecting 'Print Client Records', if the report is exported to Excel, extra fields will now be visible, showing separated client and address details. These fields can be used to help integrate with third party software such as Constant Contact.
21.006.01 15 July 2011
Enhancements to Additional Details
The Additional Details page has been enhanced to allow greater control over the layout of user defined fields on the screen. The tab order is no longer restricted to column by column and full width items can be placed anywhere on the page.
21.003.07 20 May 2011
Improved performance of many reports and pages
Many reports and pages across JCS will now run noticeably faster in large datasets due to significant improvements in this area.
21.003.01 15 April 2011
Added 2011/12 Tax Rates (Budget April 2011)
Tax Rates, Bands and Allowances updated for Tax Year 2011/12. Includes removal of Maximum List Price for motor cars and revision of car Benefit in Kind based on newly defined fuel types.
Added Export Support for Legacy Asset Systems
JCS can now create an export file that is compatible with Legacy Assets Systems analysis tools. For more details on this, contact Technical Support.
Client details added to Client Upload to Web
When a single client is selected in Client Upload to Web, a selection of their details are displayed at the foot of the page to help correctly identify clients with similar names.
Extra information added to Client Upload to Web
In "Client Upload to Web", a "Pending Update" or "Pending Deletion" note will appear next to those clients which have had their WebFolio export options changed.
Improved reporting of Business Production
The Business Production Report now also supports the ability to filter by the adviser who wrote the business in each case.
Improved usability of Client Upload to Web
The Client Upload to Web Page is now resizable to allow the user to view a larger number of clients at one time, and contains a filter to quickly find client names.
New functionality added to Client Upload to Web
In Client Upload to Web, by right-clicking on the list of clients, you may now choose to "Process All Pending Deletions", "Update Selected Clients Only" or "Select Clients Based on Search Criteria". Refer to the help text on how to use this.
User Preferences Improvement
Some user preferences which were set for the entire system, can now be modified for each branch. Most notably the Firm Full Name and FSA Number which are used in IDV reports.
20.010.02 18 March 2011
Added New Option for Document Delivery Method
"Emailed" has been added as an option for the Documents Delivered By field for all policy types and for Contribution History.
Additional Contract Enquiry Services
Support for real time valuation of Legal & General Pensions and Bonds is now supported. See the latest Registration Guidelines for details.
20.009.14 17 February 2011
Improved reporting of Commission Breakdown
The Commission Breakdown By Provider / Product Report now also supports the ability to filter by the adviser who actually wrote the business in each case.
Improved usability of Admin Diary
Now possible to sort and filter Diary Reminders by Priority and Client Name. May also sort and order Action Telephone and Action To Do reports in a similar way. Can now preview reports for "All" advisers before printing.
20.009.04 24 January 2011
Added ability to search by total Portfolio value
In the Search facility it is now possible to create search criteria based on the total Porfolio Value of a client.
Improved Usability of Enter Commission Received
Now possible to search policies restricted to a particular provider.
Improved Usability of Group Member
Now possible to use real-time filtering of records, based on client name.
Improved Usability of Vet Mailing List
Now possible to quickly Select / Deselect all the contacts which will be included in a mailshot.
Improvements to Search Database facility
Modified the search facility so it always returns a list of Portfolio records (Cases) even if the search is only performed on clients. Previously some searches only showed results as a list of Clients, now there is a choice of seeing the list of Clients OR a list of their Cases.
20.007.06 17 December 2010
Improved Usability of Business Personnel
Business Personnel and Group Member pages have been updated to allow resizing of the window to view more client records. The personnel page now also allows real time filtering of the records based on client name.
20.000.09 03 August 2010
Added ability to search User Defined Fields.
The search facilities have been enhanced to encompass User Defined Fields. This has been incorporated into the existing methods of searching the JCS database.
20.000.07 15 July 2010
Added 2010/11 Tax Rates (Budget June 2010)
Tax Rates, Bands and Allowances updated for Tax Year 2010/11. This update includes changes from the Emergency Budget in June 2010.
Added Support for Office 2010
JCS now detects and integrates with Office 2010 (the 64 bit version is not recommended for use with JCS).
Detailed Tax Computation now available
From the Expenditure page, select the 'Details' button for the Tax/NIC. The screen now allows Details of the Tax amount to be shown as a detailed tax computation with associated notes. This computation lists all sources of income and is designed to allow advisers to verify exactly how the tax figure has been calculated. The tax computation within the Profile Report is a summary of this detailed computation.
Installer Support for Windows Server 2008 R2
The JCS product suite is now supported under Windows Server 2008 R2 - Remote Desktop Services.
Tax Allowances and Rates Table
From the Utilities Menu the current Tax Allowances and Rates can be printed off in a convenient table format. This shows the values that are used by the software in Tax and NI computations.
19.103.04 15 June 2010
Dialog Boxes Now Respond to AutoKey Assignments
When presented with a dialog box with a Yes or No response, it is now possible to press the keyboard letter that is underlined to select the button. For example pressing 'Y' will simulate pressing the "Yes" button.
Downloaded Updates Now Get Stored On Network
When downloading the latest updates from JCS, the installer components now get stored on the network, so that other users do not need to download the components as well. This operation is seemless to users in most circumstances.
Reporting available on Additional Details
The Additional Details (user defined fields) can now be accessed by user defined reports. This enables users to create reports which include data stored on the Additional Details page.
19.102.03 04 May 2010
Fixed Run As Administrator on Vista / Windows 7
Previously, JCS was required to run with administrator privileges with some installations on Vista and Windows 7 with UAC activated. This is no longer required with new installations of JCS. Existing users can contact Technical Support to assist in any modifications that may be required to eliminate the need to run with administrative privileges.
Installer Now Remembers Selected Components
Previously, when upgrading to the next release, the installer would not remember which components had been selected on the previous install. Starting from this release, the selected components will be retained during upgrades.
Installer Support for Windows 2000 Pro
Adviser Essential will now install on Windows 2000 Professional. However, ongoing support for this operating system will be limited as Microsoft will be retiring extended support for Windows 2000 Professional in July 2010.
Installer Support for Windows Server 2003
The JCS product suite is now supported under Windows 2003 Server - Terminal Services.
19.100.07 31 March 2010
Adviser Lifestyle Release
The cashflow solution that seamlessly integrates with Adviser Essential for a confident future.
Error Reporting Service
All JCS products now have built in error reporting to allow detailed analysis of errors to be sent to JCS securely over the Internet to allow for better analysis and quicker resolution of issues.
Next Generation Installer
All JCS products are now installed and updated using the next generation of installer technology. The update manager can be configured to check for and even download the latest updates available on a regular basis.
Product Upgrade to Adviser Essential
IFA Professional has been replaced by Adviser Essential providing a fresh new appearance with a faster processing engine and enhanced functionality.
Updated Database Runtime System
All JCS products have had the database runtimes upgraded to allow for better stability and future support.
User Interface Design Changes
Several pages in JCS have been redesigned to be more intuitive and have a cleaner look. These include the diary pages and some of the Fact Find Pages, specifically Attitude to Risk.
User Interface Themes
All JCS products now have themes applied to the user interface. Only a single theme is distributed at the moment, but it is envisaged that we will be shipping more themes to choose from in the future and even allow users to create their own through a definition file.
19.012 25 February 2010
Added New Option to Portfolio Reports
A new option has been added to the Client Portfolio Report to allow for the inclusion/exclusion of valuation caveats from providers.
19.012 08 February 2010
Additional Contract Enquiry Services
Merchant Investors Pensions and Bonds.
New Standard Profile Report Template
A new profile report template has been included as well as the ability to set the default profile report template to be used. Especially useful for users with custom profile report templates.
Protected Rights Valuations from RTV
If the provider supports Protected Rights valuation splits, JCS will now read them and update the policy. Zurich and Merchant Investors are known to work with this.
Refreshed the Charts in Profile Report
All the charts in the Profile Report have been refreshed.
19.010 19 October 2009
Added Contract Enquiry Services
Nucleus Bulk Import
19.010 28 September 2009
Additional Contract Enquiry Services
Parmenion Bulk Import
Skandia Migration Functionality
This functionality can only be use in conjunction with help from Tech Support. It allows existing mappings for Skandia cases and funds to be automatically migrated on to the Skandia Investment Solutions (ex Selestia) platform.
Updated Discontinued Plans Report Options
The report options for Discontinued Plans now allows the report to be created based on a range of clients.
19.010 08 July 2009
Additional Contract Enquiry Services
Canada Life Pension, Bonds and Endowments
Date Formatting Update
All date formatting is now based on the regional settings of the local computer. This brings date formatting within JCS in line with other Windows programs.
19.002 26 June 2009
Advisory notice on Upload/Download Clients
If any clients are selected for upload/download but are not viewable by the current user's login details, this will be highlighted in the select clients window.
Contract Enquiry import improved
Previously, if a user tried to value a case including it's fund records, but some of the funds had not been mapped, a warning message would appear and the valuation would fail completely. Now the warning still appears but the total valuation is recorded and completed without updating fund records as long as the case in question has no fund records yet.
Short Holding now possible.
For policies, short holdings (negative unit holdings) and overdrawn Cash Balances are now permitted.
19.001 02 June 2009
Customise the notes page of the Portfolio Report
The 'Important Notes' page on the Portfolio Report can now be customised for individual firms. To change the wording please contact Technical Support
Updated Change User Name Functionality
Change User Name now offers an online instant authorisation of the change request.
19.000 26 April 2009
Added 2009/10 Tax Rates (Budget April 2009)
Tax Rates, Bands and Allowances updated for Tax Year 2009/10.
18.107 21 April 2009
Added features to Family Protection Page
An additional page has been added to the Family Protection Needs Analysis Window to allow earned/continued income to be input separately. Previously the only way to separately identify continuing income was to show it as a negative expense, or alternatively the section could be viewed as 'additional income required'. For all clients where this planning has been performed, the income is left blank so that existing figures are not compromised. No attempt has been made to transfer income entered as negative expense to this new section.
Added New Bookmarks
New bookmarks added for Mortgages and Advisers: DocClientAdviserFax DocClientAdviserMobile DocClientAdviserPosition DocClientAdviserTelephone DocMortgageInterestRate DocMortgageOutstandingBalance DocMortgagePurpose DocMortgageSecuredOn DocPolicyContributionAdviserBranchName DocPolicyContributionAdviserEmailAddress DocPolicyContributionAdviserFax DocPolicyContributionAdviserMobile DocPolicyContributionAdviserName DocPolicyContributionAdviserNameWithPosn DocPolicyContributionAdviserPosition DocPolicyContributionAdviserTelephone
Added New Salary History Feature
Salary History associated with Group Pensions is now fully editable.
Export Client Email Addresses
The vetted list of clients and email addresses from any mailshot can now be exported to Excel for use by an external party or function. Email Addresses have also been added to the the Client(s) Report
New features added to Data Import window
The following new features have been added to the Data Import window:
When adding a new client based on imported data, the Address and Sex are also populated when available from the Import file.
Where the name is only available as a single string eg. 'Mr A B Smith', JCS splits out the Title, Initials and Surname which are then populated in JCS
The 'Tree View' can be expanded to show all Nodes, or All Nodes needing attention with a single click
A new button has been added which populates all unmapped clients with '* Add New'. This is useful where Imports are being used to populate the JCS Database
JCS attempts to prepopulate the 'Type' field based on the Product name in the Import New Providers and/or Products can be created directly from the Import window, and suggestions for this are made based on information in the Imported Data
JCS uses existing mapped items within JCS to intelligently suggest appropriate settings for entries which are yet to be mapped Where there is only one option available in a drop JCS automatically preselects it
New Menu Item to Submit a Bug Report
From the Help menu, it is now possible to link to the bug report page on the JCS website to submit a new bug.
18.106 09 March 2009
Data import window accepts Zipped Folders
The Data Import window can now accept zipped folders which contain Data files. This feature can be accessed by either dragging a zipped folder onto the window or by opening a zip file through the file open dialog window.
18.106 04 March 2009
Added Provider specific Icons for Origo messages
The Data Import window now shows Provider specific icons (where available) when receiving Origo messages
Added switchable XML Validation to Origo Messaging
XML Validation assists JCS Technical Support in diagnosing XML valuation errors in responses from Providers.
Additional Contract Enquiry Services
Added additional Bulk CSV Formats for Standard Life for Bonds and Pension contracts
Additional Contract Enquiry Services
Added support for Royal Skandia Bulk XML import
Additional Contract Enquiry Services
Added support for AEGON Scottish Equitable Bulk CSV file Import
Additional Contract Enquiry Services
Added support for Bulk Origo XML messages (version 1.1) which can be received from any provider and imported. This is in addition to the existing support for Origo Bulk XML Versions 1.0, 1.2 and 2.0
Additional Contract Enquiry Services
Added support for Clerical Medical Bulk CSV file Import
18.105 23 December 2008
Additional Contract Enquiry Services
Added RTV valuations for Prudential Bonds and Pensions
Additional Contract Enquiry Services
Added Bulk import facilities for AXA Sunlife
Additional Contract Enquiry Services
Added Bulk import facilities for Standard Life
18.104 11 December 2008
Additional Contract Enquiry Services
Added Bulk Import capability from Merchant Investors
18.104 14 November 2008
Add User defined Fact Find Fields
An Additional page is now available in the Fact Find, which contains user definable fields. Various different field types are available including drop downs, check boxes, text, date, etc. The 'Additional Details' page is set up from the Global Database maintenance window
18.101 12 September 2008
Added 'Not Disclosed' option to Dependants Page
In the Dependants Page in the Fact Find a new option has been added. This can positively indicate when a Client has no-one who is dependent on them, as well as indicating that a Client does have Dependants, but has chosen not to disclose them.
Additional Contract Enquiry Services
Added: The Hartford to contract enquiry services.
18.100 21 August 2008
Additional Contract Enquiry Services
Added: Aegon-Scottish Equitable and Skandia Collectives (RTV and Bulk) to contract enquiry services.
18.100 12 August 2008
Added support for Fidelity Cash Manager Account
Real Time Valuations and Bulk Imports modified to support the Cash Manager Account (CMA)
Enhanced Bookmark Functionality
JCS bookmarks could only be used a maximum of ten times in a document, this has now been enhanced to allow up to 36 instances of the same bookmark,
Implemented full Word 2007 Ribbon functionality
The office 2007 suite from Microsoft introduced new Ribbon functionality. Full support for this new feature is now included within the JCS Word integration (requires Word 2007).
Improved Default Mapping in RTV
When an individual RTV is done on a Case which has not already been mapped, the default mapping has been improved to reduce user workload
18.000 20 June 2008
Additional Contract Enquiry Services
Added: Scottish Widows Bulk XLS to contract enquiry services.
New report 'Mortgage Redemption Penalty Dates'
This new report has been added to allow Advisers to list Mortgages which are clear of their Redemption Penalty dates.
18.000 10 June 2008
Additional Contract Enquiry Services
Added: Aegon / Scottish Equitable and Skandia Collectives (RTV and Bulk) to contract enquiry services.
18.000 21 April 2008
Added PEPs to ISAs Converter Utility
Within Utilities Selection, new functionality has been added to assist with the migration of PEPs, TESSAs and Mini/Maxi ISAs to the new 'Cash' or 'Stocks and Shares' ISAs. Functionality for the old style contracts will remain in JCS for at least 12 months to allow users to migrate over a reasonable time frame.
18.000 13 April 2008
Full support for Vista
JCS is now fully supported for use with Windows Vista Service Pack 1 (32 and 64 bit versions).
Added 2008/9 Tax Rates (Budget March 2008)
Tax Rates, Bands and Allowances updated for Tax Year 2008/9.
NB. Due to the revised rules to the lower 10% band, changes have had to be made to the bookmarks on the Income Tax & NI page of the Profile Report. Updated standard pages are included with this release, but any User defined pages using the old Bookmarks will need to be updated to follow the new method. Any old style templates will no longer pick up any values so there is no possibility of producing reports with incorrect values. Please contact Tech Support if you need any help with this.
NB2. JCS will release conversion code to assist with the conversion of existing PEPs and ISA to new style ISAs within the next few days.
Additional Bookmarks
The following Document Bookmarks have been added:
   DocAddresseeEmail
   DocClientAdviserInitials
   DocEmailClient
   DocEmailPartner
   DocSignatoryInitials
   DocTelephoneClientsMobile
   DocTelephonePartnersMobile
   DocUserFullName
   DocUserInitials
Additional Contract Enquiry Services
Added Zurich Financial Services and AXA-Sunlife contract enquiry services.