Working with Clients
The client overview
See basic client information, recent activity, and quick links to the rest of a client's file in one place.
Introduction
The client overview is the first page you land on when you open a client file, and the page you come back to first when you return to one. It is a snapshot of where that client stands today: who they are, how healthy their finances look, and what has changed recently.
This page covers what each section of the overview is for, how the financial health score is calculated, and where to go next inside the client file.
What the overview shows
The overview is a single scrolling layout with three main sections. Actions like adding a note, editing the client's details, or deleting the file sit in the top bar.
The client profile card
The top of the page shows the client's profile: full name, age, sex, location, contact details, and a few personal details like date of birth and life expectancy. For a group client, every member gets their own card. Each card has an Edit button in the top right for adjusting profile details, or an Add button if that section is empty.
The financial health score
The left side of the page shows a score from 0 to 100 with a color-coded label: Excellent, Very Good, Good, Fair, or Poor. A semicircle chart below the score breaks down the four factors that feed into it. See The financial health score, explained below for the full calculation.
The recent activity feed
The right side of the page shows the 8 most recent changes on the client file. Each entry names what changed (an asset, debt, beneficiary, coverage record, note, or needs analysis), when it changed, and a snippet of detail like the dollar value. Click any entry to jump to that record. If nothing has changed yet, the feed reads No activity yet.
Top-bar actions
Add Note: opens a new note entry for this client.
Edit Group Name and Change Relationship Type: only visible for group clients.
Delete: removes the client file. This cannot be undone.
The financial health score, explained
The score is a single number from 0 to 100 that rolls up four factors. It gives you a fast read on where a client stands. It does not replace your own judgment.
Factor | Weight | What it measures |
|---|---|---|
Debt-to-asset ratio | 30% | Total debts as a share of total assets. Lower is better. |
Liquidity | 25% | How many months of debt payments the client's liquid assets could cover. More is better. |
Coverage ratio | 25% | How much life, disability, and liability coverage the client has relative to their debts and a baseline target. Higher is better. |
Asset diversification | 20% | How many different asset types the client holds. More types gives a higher score. |
DNA scores each factor on a 0 to 100 scale, then combines them using the weights above. The final score is the weighted average, rounded to a whole number. The banded labels work like this:
Score | Label |
|---|---|
90 to 100 | Excellent |
75 to 89 | Very Good |
60 to 74 | Good |
40 to 59 | Fair |
0 to 39 | Poor |
Click the question-mark icon next to the score to open the methodology dialog. It shows the raw inputs, each factor's score, and where the client sits on every threshold. Useful when a client asks how you arrived at the number.
If the client does not yet have any assets, debts, or coverage on file, the score card shows No financial data yet instead of a number. Add a few entries on the Financials, Beneficiaries, and Coverage pages to see the score populate.
Group clients
A group client (couple, business partnership, or household) uses the same overview layout with one difference: the profile card shows one entry per member. For parents-and-children groups, each member's card also shows a role badge so you can tell who is a parent and who is a child at a glance.
The financial health score and recent activity feed are shared across the whole group. DNA rolls the data up to the group level rather than breaking it out per member.
Moving into the rest of the file
Page | What it covers |
|---|---|
Financials | Assets, debts, and net worth. |
Beneficiaries | Who inherits what, by percentage. |
Coverage | Existing life, disability, and liability policies. |
Notes | Case-file notes tied to the client. |
Documents | Files you have uploaded to the client. |
Reports | Needs analyses, both in progress and completed. |