Committing a client, spouses and households

What happens when a Tallify intake becomes a client: matching the record, the spouse added as a prospect, households, and the facts on file.

Commit

Commit creates the client on the register, or updates the existing record when the intake matches one by ID number, then email, then phone, then name. Consent to receive communications is off. Everything on the fact find goes on the record through the change ledger: expense lines, debts, other assets and income, dependants, goals, estate answers, the medical aid, and the cover, nominations and funds on the registers (marked as from the fact find and unverified until an Astute CCP confirms them). The client's position document is built on the Advice tab.

Spouses and partners

When the fact find names a current spouse or partner, the client joins a household (or one is created) and the spouse is added as a Prospect of their own, on the same adviser, with consent off and the partner section's details. An office task "New prospect" is raised, due that day, and the console shows a notice. The two records name each other as spouses and the children are on both. If a client already exists for the spouse, matched by ID number then name, that record is linked instead. Marital status is mapped from free text to the register's list, so "living together" becomes Life partner.

A spouse prospect is onboarded like any new client: send them the fact-find pack, or the review filled in with what their partner's fact find says about them. Signing the disclosure letter makes them a client.

What the household changes

The position, the needs analysis and the Record of Advice see the household: the spouse's age, occupation and income, and the joint position, without any identity. Cover review is still done per client.