The Advice tab: advice in four stages
How Tallify builds advice in four stages: a position document by code, the adviser's worksheet with quoted premiums, an FNA by code, then the Record of Advice.
Advice is built on the client's Advice tab in four stages. Each stage opens only when the one before it is done, and the tab says in one sentence what comes next and who it waits on. Code does the arithmetic; the adviser makes the decision; Claude writes only the narrative. The model has no say in the products.
1. The position
When a client's facts are committed, code builds the document "Financial position and needs": the client's position and needs before any advice, from the facts on file. It is the adviser's working document, not for the client. When the facts change it is built again as a new version; an old version says it is not current. No model call is made and nothing leaves the server.
2. The worksheet
The worksheet is the decision record: one card per need the position shows (life cover, disability, severe illness, income protection, retirement and the others), seeded by code from the position and your recommendation rules. Open one card at a time and record with the client:
- whether the client wants it, and if not, why (declined, not affordable now, deferred to a later review);
- the provider and product, and the alternative considered, with why it was set aside (the alternative's quote is optional);
- the cover or the contribution and the fund;
- the quote: type the premium a month from the insurer's quote, or Upload the quote and check what is read from it. Request a quote raises an office task to get it from the provider, which closes when the premium is in.
You can add a row for a need the position does not flag, such as business assurance, or for a change to an existing contract.
3. The needs analysis
Build the FNA opens once every risk need the client wants has a quoted premium and every investment row has a contribution and a fund. Code builds the financial needs analysis from the worksheet's decision, in the practice's layout: one section per need, with the arithmetic shown and the shortfall or surplus stated, and the affordability line first. No model call is made. A change to the worksheet or the facts marks the FNA to be built again.
4. The Record of Advice
Draft the RoA makes one call to Claude, on de-identified facts, to write the Record of Advice's narrative (section 2.2, the reasons) around your fixed decision. The products, cover, premiums and figures are yours and the code's; the model cannot change them. Placeholders stand where names belong and are filled in on the practice's server; an [ADVISER TO ...] mark flags every point a person must confirm. The documents are rendered to PDF and Word, emailed to you, and waiting under Approvals, Advice. See Reviewing a draft and Approve and file.
A builder that cannot handle a client's profile stops with the reason in plain words; a draft that cannot finish stops and Tallify is told. Nothing falls back silently.
Limits
A client has one draft at a time. Each person can start ten drafts an hour. Each adviser has a daily allowance (the practice's daily drafts shared by its active advisers, at least 20 each), and the practice has a daily total (40, or 20 for each active adviser when that is more) within a daily spending limit. When a limit is reached the console says which one and when drafting opens again. See Costs.
Cost
The tokens used and the estimated model cost are recorded against every draft. See Costs.
Existing clients
For a client already on the register the Record of Advice is a review: it refers to the current advice on file, the holdings and policies, and what has changed. What section 9 requires of the record, with a free Word template: Record of Advice in financial planning.