Managing Client Bond Holdings

--- 
+++ 
@@ -1,143 +1,131 @@
 ```
 
-## Overview
+### Section 1: Overview
 
-The bond management feature allows financial advisors to track and manage their clients' bond holdings within the IFANOW platform. This includes government bonds, corporate bonds, municipal bonds, and other fixed-income securities that clients own as part of their investment portfolios. The system helps advisors maintain accurate records of bond positions, monitor maturity dates, and provide comprehensive portfolio reporting.
+The Bond Management feature allows financial advisors to track and manage their clients' bond holdings within the IFANOW platform. This comprehensive tool helps advisors maintain accurate records of fixed-income investments, monitor maturity dates, and generate client reports for bond portfolios.
 
-• Add new bond holdings to client portfolios with complete details
-• Update existing bond information when circumstances change
+• Add new bond holdings to client portfolios with complete investment details
+• Edit existing bond information to keep records current and accurate
 • Remove bonds from portfolios when sold or matured
-• View comprehensive lists of all client bond holdings with filtering options
-• Send detailed bond reports to clients via email
-• Filter bond holdings based on status and other criteria
+• View filtered lists of bonds based on status and maturity timelines
+• Generate and email bond portfolio reports to clients
+• Set up reminders for upcoming bond maturities and interest payments
 
-## Prerequisites and Access
+### Section 2: Prerequisites and Access
 
-You must have an active IFANOW advisor account with portfolio management permissions. Navigate to **Portfolio Management** → **Client Assets** → **Fixed Income** → **Bonds** to access bond management features. Client-advisor relationship must be established in the system before managing that client's bond holdings.
+You need an active IFANOW advisor account with portfolio management permissions to use bond management features. Your subscription must include fixed-income asset tracking capabilities.
 
-## How to Add a New Bond Holding
+To access bond management: Navigate to **Portfolio Management** → **Client Assets** → **Fixed Income** → **Bonds**. You must have at least one client profile set up before adding bond holdings.
 
-Add a bond position to a client's portfolio when they purchase new fixed-income securities.
+### Section 3: How-To Steps
 
-1. Navigate to the client's portfolio and select **Add Asset** → **Fixed Income** → **Bond**
-2. Enter the bond details including issuer name, face value, coupon rate, and maturity date
-3. Specify the purchase date, purchase price, and number of bonds acquired
-4. Select the bond type (government, corporate, municipal, etc.)
-5. Click **Save Bond** to add the holding to the portfolio
+## How to Add a New Bond to a Client Portfolio
 
-The bond will appear in the client's fixed-income holdings immediately. The system automatically calculates current value and yield information based on the entered data.
+Add bond holdings when clients purchase new fixed-income securities or transfer existing bonds to your management.
 
-⚠️ **Warning:** Ensure all bond details are accurate as they affect portfolio valuation and reporting.
+1. Navigate to the client's portfolio page
+2. Click "Add Asset" and select "Fixed Income" from the dropdown
+3. Choose "Bond" as the asset type
+4. Complete all required fields including bond details, purchase information, and maturity data
+5. Click "Save Bond" to add the holding to the portfolio
 
-## How to Update Bond Information
+The new bond will appear in the client's fixed-income holdings list and be included in portfolio calculations immediately.
 
-Modify existing bond holdings when details change or corrections are needed.
+## How to Edit Existing Bond Information
+
+Modify bond details when information changes or corrections are needed to maintain accurate portfolio records.
 
 1. Locate the bond in the client's fixed-income holdings list
-2. Click **Edit** next to the bond you want to modify
-3. Update the necessary fields such as current market value, rating changes, or holding quantity
-4. Verify all changes are accurate
-5. Click **Update Bond** to save the modifications
+2. Click the "Edit" icon next to the bond entry
+3. Update the necessary fields with new information
+4. Click "Save Changes" to confirm modifications
 
-Changes are reflected immediately across all portfolio views and reports. The system maintains a record of when modifications were made.
+All portfolio calculations and reports will automatically reflect the updated bond information.
 
-## How to Remove a Bond from Portfolio
+## How to Remove a Bond from a Client Portfolio
 
-Delete bond holdings when clients sell positions or bonds reach maturity.
+Delete bond holdings when clients sell bonds or when they reach maturity and are redeemed.
 
-1. Find the bond in the client's holdings list
-2. Click the **Delete** option for the specific bond
+1. Find the bond in the client's portfolio holdings
+2. Click the "Delete" icon or "Remove" button for that bond
 3. Confirm the deletion in the popup dialog
-4. The bond will be removed from the portfolio immediately
+4. Verify the bond has been removed from the holdings list
 
-Deleted bonds are permanently removed from the current portfolio but may be retained in historical records for reporting purposes.
+**Warning:** Deleting a bond permanently removes it from the portfolio. Ensure the bond has actually been sold or matured before removal.
 
-## How to View Client Bond Holdings
+## How to View and Filter Bond Holdings
 
-Access comprehensive lists of all bond positions across client portfolios.
+Access filtered views of bond portfolios to focus on specific maturity periods or bond statuses.
 
-1. Navigate to **Portfolio Management** → **Fixed Income** → **Bonds**
-2. Select the specific client or choose **All Clients** for aggregate view
-3. Use date range filters to view holdings for specific time periods
-4. Apply reminder type filters to see bonds approaching maturity or review dates
-5. The system displays all matching bond holdings with current values and key metrics
+1. Go to the Bond Management section in the client's portfolio
+2. Use the filter dropdown to select criteria (maturity date range, bond status, etc.)
+3. Set start and end dates if filtering by time period
+4. Choose reminder type if setting up maturity notifications
+5. Click "Apply Filters" to view the filtered results
 
-The bond list shows issuer information, maturity dates, current values, and yield data. Use the export function to download bond reports for external analysis.
+The system will display only bonds matching your filter criteria, making it easier to manage large bond portfolios.
 
-## How to Filter Bond Holdings by Status
+## How to Email Bond Portfolio Reports to Clients
 
-Narrow down bond displays based on specific criteria or status conditions.
+Generate and send comprehensive bond portfolio summaries directly to clients via email.
 
-1. Access the bond holdings list for the desired client
-2. Click **Filter Options** above the holdings table
-3. Select the appropriate status filters (active, maturing soon, high-yield, etc.)
-4. Apply additional criteria such as bond type or rating if needed
-5. Click **Apply Filters** to update the display
+1. Navigate to the client's bond portfolio section
+2. Click "Generate Bond Report" 
+3. Select the HTML template for the email format
+4. Review the report preview to ensure accuracy
+5. Click "Send Email" to deliver the report to the client
 
-Filtered results help identify bonds requiring attention or meeting specific investment criteria. Save frequently used filter combinations for quick access.
+The client will receive a formatted email containing their current bond holdings, maturity schedules, and portfolio summary.
 
-## How to Send Bond Reports to Clients
+### Section 4: Rules and Limits
 
-Email detailed bond portfolio summaries directly to clients.
+• All bond entries are automatically marked as real assets (not hypothetical) when added to client portfolios
+• Bond filtering requires a valid bond ID to retrieve related holdings
+• Date ranges for filtering must have start dates before end dates when both are specified
+• Advisor-client hierarchy validation is enforced - you can only manage bonds for your assigned clients
+• Email reports can only be generated for clients with valid email addresses on file
+• Bond deletion requires confirmation and cannot be undone once completed
+• Client ID and Advisor ID validation occurs before any bond operations are processed
 
-1. Navigate to the client's bond holdings page
-2. Select the bonds to include in the report or choose **All Bonds**
-3. Click **Email Report** and choose the report template
-4. Customize the email message if needed
-5. Click **Send Email** to deliver the report to the client
+### Section 5: Common Questions
 
-Clients receive professional bond portfolio reports showing their current holdings, values, and performance metrics. The system confirms successful email delivery.
+**Q: Can I add the same bond multiple times for a client who made separate purchases?**
+A: Yes, you can create separate entries for each bond purchase, allowing you to track different purchase dates, prices, and quantities.
 
-## Rules and Limits
+**Q: What happens to bond records when they reach maturity?**
+A: Bond records remain in the system until you manually remove them. Set up maturity reminders to prompt you to update the portfolio when bonds mature.
 
-• All bond additions are marked as real assets (not hypothetical positions)
-• Bond deletion requires confirmation and cannot be undone once completed
-• Date range filters default to all dates if not specified
-• Reminder type filters default to all types when not selected
-• Client-advisor relationship must exist before accessing client bond data
-• API version 2 enforces stricter client-advisor hierarchy validation
-• Bond filtering requires valid bond ID parameters
-• Email reports require valid advisor, client, and template parameters
+**Q: Can I filter bonds to see only those maturing within a specific timeframe?**
+A: Yes, use the date range filters to view bonds maturing between specific start and end dates, helping you plan for upcoming maturities.
 
-## Common Questions
+**Q: Will editing a bond's details affect historical portfolio performance calculations?**
+A: Yes, changes to bond information will be reflected in all portfolio calculations. Consider the impact on historical data before making significant edits.
 
-**Q: Can I add bonds for clients I don't have a relationship with?**
-A: No, you can only manage bonds for clients assigned to your advisory practice in the system.
+**Q: Can clients see their bond holdings in real-time after I make changes?**
+A: Changes are reflected immediately in the system, but clients will need to log into their portal or receive an emailed report to view updates.
 
-**Q: What happens if I accidentally delete a bond holding?**
-A: Bond deletions are permanent and cannot be undone. You would need to re-enter the bond information if deleted by mistake.
+### Section 7: Troubleshooting
 
-**Q: Can I see bonds approaching maturity across all my clients?**
-A: Yes, use the reminder type filters and date range options to identify bonds maturing within specific timeframes across your client base.
-
-**Q: How current is the bond valuation data shown in portfolios?**
-A: Bond values reflect the information entered in the system. Market price updates depend on your data provider integration settings.
-
-**Q: Can clients see their bond holdings in their portal?**
-A: Yes, clients can view their bond positions through their client portal, and you can also email them detailed bond reports directly from the platform.
-
-## Troubleshooting
-
-**Problem:** Bond addition fails with no confirmation message
-**Cause:** Required bond information may be missing or invalid
+**Problem:** Error message appears when trying to add a new bond
+**Cause:** Required bond information fields are missing or incorrectly formatted
 **Fix:** Verify all mandatory fields are completed with valid data before saving
 
-**Problem:** Cannot edit bond information
-**Cause:** Insufficient permissions or bond record conflicts
-**Fix:** Confirm you have edit permissions for the client's portfolio and try refreshing the page
+**Problem:** Cannot delete a bond from the portfolio
+**Cause:** System restrictions prevent deletion of bonds with associated transactions or pending operations
+**Fix:** Check for linked transactions or pending processes, resolve these first, then attempt deletion again
 
-**Problem:** Bond list appears empty for client with known holdings
-**Cause:** Date range or status filters may be too restrictive
-**Fix:** Reset all filters to default settings and gradually reapply specific criteria
+**Problem:** Bond list appears empty after applying filters
+**Cause:** Filter criteria are too restrictive or no bonds match the selected parameters
+**Fix:** Broaden your filter criteria or check that bonds exist within the specified date ranges and status types
 
-**Problem:** Email reports fail to send to clients
-**Cause:** Invalid email template or missing client contact information
-**Fix:** Verify the client has a valid email address on file and select a proper report template
+**Problem:** Email report fails to send to client
+**Cause:** Client email address is missing, invalid, or the selected template contains errors
+**Fix:** Verify the client's email address is correct in their profile and try a different email template
 
-**Problem:** Filtered bond results don't match expected criteria
-**Cause:** Filter parameters may not align with actual bond data
-**Fix:** Review and adjust filter settings, ensuring they match the characteristics of bonds you want to display
+**Problem:** Filtered bond results don't match expectations
+**Cause:** Bond ID used for filtering may be incorrect or associated with a different client's portfolio
+**Fix:** Double-check the bond ID and ensure you're filtering within the correct client's portfolio
 
-## Related Features
+### Section 7: Related Features
 
-This feature integrates with the core portfolio management system and requires client relationship management to be properly configured. Bond holdings contribute to overall asset allocation calculations and appear in comprehensive portfolio reports. The feature connects with the email notification system for client communications and uses the platform's security framework for access control.
+This feature connects with Client Portfolio Management for overall asset tracking and Portfolio Reporting for comprehensive client statements. Bond management also integrates with the Reminder System for maturity notifications and the Email Communication module for client reporting. Transaction tracking capabilities link bond purchases and sales to the broader transaction management system.