The client overview

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 and how the household fits together.

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 page. It opens on the household: its name, its stage, and a chart of the people and companies in it, with a list of the people below.

The household header

The household name sits at the top left. For a group client you can click it to rename the group, or choose Add a name if it does not have one yet. On the right are the stage pill, which moves the file to another stage in your process, and Remove.

• Remove: asks you to confirm before it acts. If the client holds no compliance records, DNA deletes the client file and everything on it, and this cannot be undone. If the client holds compliance records, DNA archives the client instead: it leaves your client list, and the compliance file, its documents and its evidence stay on record.

The household chart

Below the header is a chart of the household. Use the Family and Corporate switch to move between the people in the household and how they relate, and the companies they own. You add people and relationships from the chart, and you can open a person from it to see their details.

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 people list

Under the chart, People lists everyone on the file with their role in the household, age and annual income where they are on file. Click a person to open them, or choose Add person to add someone new. An empty file reads No one on the file yet.

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

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 entry per member in the people list. Each member’s entry shows their role in the household, so you can tell who is primary, who is a spouse or partner, and who is a child at a glance.

The financial health score is 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

These pages sit in the client sidebar, under the household name.

Page	What it covers
Next Steps	What to do next on this file. Shown for active clients.
Financials	Assets, debts, and net worth.
Policies	Existing life, disability, and liability policies.
Notes	Case-file notes tied to the client.
Documents	Files you have uploaded to the client.
Client Portal	Portal access for the client, when the portal is switched on.
Review	Records that need a second look, such as incomplete entries, possible duplicates and suggestions read from documents.
Needs Analysis	Needs analyses, both in progress and completed.
Quoting	Quotes for the client.