Create and Manage Financial Asset Advice for Clients

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-## Overview
+### Overview
 
-The Financial Asset Advice feature allows advisors to create personalized investment recommendations for their clients across various asset classes including fixed deposits, recurring deposits, real estate, gold, insurance policies, and government savings schemes. The system tracks advice status, manages client consent, and automatically handles the implementation of accepted recommendations.
+The Financial Advice feature enables advisors to create, manage, and track personalized investment and insurance recommendations for their clients across various asset classes. Advisors can suggest new investments, recommend changes to existing holdings, and obtain client consent before implementing changes to their portfolios.
 
-• Create advice for over 20 different asset types from fixed deposits to insurance policies
-• Track advice status from given to accepted/declined with client consent management
-• Automatically implement accepted advice by creating fictitious assets and deployment plans
-• Generate comprehensive advice lists filtered by asset category and status
-• Process bulk advice consent requests with email notifications to clients
+Key capabilities:
+- Create investment suggestions for fixed deposits, mutual funds, real estate, gold, and government schemes
+- Provide insurance recommendations for life and general insurance policies
+- Generate advice for asset transactions like buying, selling, holding, or withdrawing investments
+- Send consent requests to clients for advice approval or rejection
+- Track advice status from creation through client response and implementation
 
-## Prerequisites and Access
+### Prerequisites and Access
 
-**Required Access:** Active IFANOW advisor account with client management permissions
+**Requirements:**
+- Active IFANOW advisor account with advice management permissions
+- Client must be onboarded with existing assets or insurance policies for modification advice
+- Valid client relationship established in the system
 
-**Navigation Path:** Dashboard → Clients → Select Client → Portfolio → Advice Management
+**Access Path:**
+Navigate to Clients → Select Client → Portfolio Management → Advice Management
 
-Advisors must have established client relationships and completed initial portfolio setup before creating advice recommendations.
+### How-To Steps
 
-## How to Create Fixed Deposit Advice
+## How to Create Investment Advice for Fixed Deposits
 
-Recommend new fixed deposit investments or modifications to existing FDs for your clients.
+Recommend new fixed deposits or changes to existing ones for your clients.
 
-1. Navigate to client's portfolio and click "Add Asset Advice"
-2. Select "Fixed Deposits" from the asset category dropdown
-3. Choose advice type: "Open New FD", "Withdraw", "Premature Closure", or "Take Loan Against FD"
-4. Enter investment amount, tenure details, and bank preferences
-5. Add advice description explaining your recommendation rationale
-6. Set applicable date for when the advice should be implemented
-7. Click "Create Advice" to save the recommendation
+1. Go to the client's portfolio and select "Fixed Deposits" under assets
+2. Click "Create Advice" and choose your recommendation type (Open New, Withdraw, or Close Early)
+3. Enter the investment amount, tenure details, and bank preferences
+4. Add your recommendation notes in the advice description field
+5. Set the applicable date for when the advice should be implemented
+6. Click "Save Advice" to create the recommendation
 
-The system creates a fictitious FD entry and adds it to the client's pending advice list. For withdrawal or closure advice, the system automatically calculates penalty amounts and creates deployment entries for freed-up funds.
+The advice appears in the client's pending recommendations list with "Given" status. The system automatically creates projected scenarios showing the impact of your recommendation.
 
-**Warning:** Withdrawal and premature closure advice can only be created if no other pending advice exists for the same FD.
+**Warning:** Early closure advice will calculate penalty amounts based on current market rates and bank terms.
 
-## How to Create Real Estate Investment Advice
+## How to Suggest New Insurance Policies
 
-Provide recommendations for buying, selling, or holding real estate investments.
+Create recommendations for life or general insurance coverage for clients.
 
-1. Access the client's asset portfolio and select "Real Estate Advice"
-2. Choose from "Hold", "Sell Property", or "Buy New Property"
-3. For sell advice, the system auto-calculates current market value based on purchase details
-4. Enter target sale amount or new purchase budget
-5. Specify property details and investment timeline
-6. Add detailed advice description with market analysis
-7. Set implementation date and save the advice
+1. Navigate to the client's Insurance section
+2. Click "Suggest New Policy" and select policy type (Life or General Insurance)
+3. Fill in recommended coverage amount, premium details, and policy features
+4. Select family members to be covered if applicable
+5. Add policy benefits and your professional recommendation
+6. Choose the suggested implementation timeline
+7. Click "Create Suggestion" to finalize
 
-Sell advice automatically creates deployment entries with the estimated proceeds, while buy advice creates new fictitious property entries for tracking.
+The insurance suggestion is added to the client's advice queue. For existing policies, you can recommend coverage increases, decreases, or policy changes using the same process.
 
-## How to Create Insurance Policy Advice
+## How to Provide Asset Trading Advice
 
-Recommend life or general insurance policy changes including new policies, surrenders, or modifications.
+Recommend buy, sell, or hold strategies for client investments in stocks, gold, or real estate.
 
-1. Navigate to client's insurance portfolio section
-2. Click "Add Insurance Advice" and select policy type (Life/General)
-3. Choose advice action: "Continue", "Surrender", "Stop Premiums", "Increase Coverage", or "Decrease Coverage"
-4. For new policies, enter coverage amount, premium details, and policy features
-5. Add beneficiary information if creating new policy advice
-6. Include risk assessment notes in the advice description
-7. Set policy commencement or change date
-8. Submit the insurance advice recommendation
+1. Select the specific asset from the client's current holdings
+2. Click "Create Trading Advice" 
+3. Choose your recommendation: Buy More, Sell Portion, Sell All, or Hold
+4. For sell advice, specify the amount or percentage to liquidate
+5. Include market analysis and reasoning in the advice notes
+6. Set target execution timeframe
+7. Review projected proceeds or required investment amounts
+8. Submit the trading recommendation
 
-The system creates fictitious policy entries and handles surrender value calculations for exit advice.
+Sell recommendations automatically create deployment entries showing available funds for reinvestment. Buy recommendations check available cash balances.
 
-## How to Send Advice for Client Consent
+## How to Send Client Consent Requests
 
-Bundle multiple advice recommendations and send them to clients for approval.
+Obtain formal client approval for your financial recommendations.
 
-1. Review the client's pending advice list to ensure all recommendations are complete
-2. Select the advice items you want to include in the consent request
-3. Click "Send for Consent" to generate a unique consent request
-4. The system automatically emails the client with advice details and consent link
-5. Clients receive a unique UUID link to review and approve/decline each recommendation
-6. Monitor consent status in the advice dashboard
+1. Go to Advice Management and select pending recommendations
+2. Choose multiple advice items to group in one consent request
+3. Click "Request Consent" and review the advice summary
+4. Add any final implementation notes or conditions
+5. Enter client email addresses for the consent request
+6. Customize the consent email message if needed
+7. Click "Send Consent Request" to deliver to client
 
-Once sent, advice status changes to "Awaiting Consent" and cannot be modified until the client responds.
+The system generates a unique consent link and tracks when clients view and respond to requests. You'll receive notifications when clients accept or decline recommendations.
 
-## How to Process Client Consent Responses
+## How to Track and Manage Advice Status
 
-Handle client approvals and rejections of your advice recommendations.
+Monitor the progress of your recommendations from creation to implementation.
 
-1. Client consent responses are automatically processed when received through the consent portal
-2. Accepted advice triggers automatic implementation:
-   - New assets are created in the client's portfolio
-   - Fund deployment entries are generated for available amounts
-   - Asset allocation tables are updated
-3. Declined advice removes fictitious entries and reverses any preliminary setup
-4. Review the advice status dashboard to see processed responses
-5. Follow up with clients on any declined recommendations if needed
+1. Access the Advice Dashboard from the main menu
+2. Use filters to view advice by status (Given, Awaiting Consent, Accepted, Declined)
+3. Filter by client, asset category, or date range as needed
+4. Click individual advice items to view detailed client responses
+5. For accepted advice, monitor implementation progress
+6. Review declined advice and create alternative recommendations if appropriate
+7. Update advice descriptions or modify recommendations before sending consent
 
-The system maintains a complete audit trail of all consent decisions and implementation actions.
+The dashboard shows real-time status updates and client interaction history for all your recommendations.
 
-## How to Filter and Review Advice Lists
+## How to Handle Client Advice Responses
 
-View and manage advice recommendations across different categories and statuses.
+Process client acceptances and rejections of your recommendations.
 
-1. Access the client's advice dashboard from their portfolio page
-2. Use category filters: Assets, Life Insurance, General Insurance
-3. Apply status filters: All, Given, Accepted, Declined, Pending Consent
-4. Select specific asset types from subcategory options
-5. Review advice details including amounts, dates, and current status
-6. Use the bulk actions menu for multiple advice items
+1. When clients respond to consent requests, review their decisions in the Advice Response section
+2. For accepted advice, verify implementation details and confirm execution steps
+3. For declined recommendations, review client feedback if provided
+4. Create alternative suggestions based on client concerns or preferences
+5. Update portfolio projections based on accepted changes
+6. Schedule follow-up discussions for complex declined advice
+7. Archive completed advice items to maintain clean workflow lists
 
-The system groups advice by category and shows both real and fictitious asset details for comprehensive tracking.
+Accepted advice automatically triggers deployment processes for asset purchases and sales based on your recommendations.
 
-## Rules and Limits
+### Rules and Limits
 
-• Only one pending advice per asset is allowed - new advice cannot be created if existing advice is awaiting consent
-• Withdrawal advice requires at least 12 months from asset commencement date for recurring deposits
-• Premature closure penalties are automatically calculated at 1% of withdrawal amount
-• Consent requests cannot be modified or cancelled once sent to clients
-• Fictitious assets are automatically created for tracking but don't affect actual portfolio value until advice is accepted
-• Real estate sell advice uses current market value calculations based on purchase date and appreciation rates
-• Insurance surrender advice automatically calculates surrender values based on policy terms and tenure
-• Advice deployment amounts are reduced by applicable penalty percentages
-• Asset allocation updates only occur after client consent and successful advice implementation
-• Declined advice automatically removes all fictitious entries and reverses allocation changes
+- Only one active advice per asset can exist at a time until client responds
+- Withdrawal advice requires minimum tenure completion for penalty-free transactions
+- Insurance advice cannot exceed regulatory coverage limits based on client income
+- Real estate sell advice must include current market valuation estimates
+- Fixed deposit advice considers current interest rate environment and bank offerings
+- Mutual fund recommendations require risk profile alignment with client preferences
+- Gold trading advice factors in current market prices and storage considerations
+- Post Office schemes follow government-specified investment limits and tenure requirements
+- Advice cannot be modified once consent requests are sent to clients
+- Declined advice automatically removes associated deployment plans
+- Consent requests expire after 30 days without client response
+- Only advisors can create advice; clients cannot self-generate recommendations
 
-## Common Questions
+### Common Questions
 
-**Q: Can I modify advice after sending it for client consent?**
-A: No, once advice is sent for consent and has an active UUID, it cannot be modified. You must wait for the client's response or create new advice.
+**Q: Can I modify advice after sending it to the client for consent?**
+A: No, once consent requests are sent, advice cannot be changed. You must wait for the client response, then create new advice if modifications are needed.
 
-**Q: What happens to the money when a client accepts withdrawal advice?**
-A: The system automatically creates a deployment entry with the available funds (minus penalties) that you can then allocate to other investments through the deployment feature.
+**Q: What happens when a client declines my investment recommendation?**
+A: Declined advice is marked as inactive and any associated fund deployment plans are automatically cancelled. You can create alternative recommendations based on client feedback.
 
-**Q: How long does a client have to respond to consent requests?**
-A: There is no automatic expiry on consent requests. The UUID remains active until the client responds or you manually remove the advice.
+**Q: How long do clients have to respond to consent requests?**
+A: Consent requests remain active for 30 days. After that, they expire and you'll need to resend if the client still wants to proceed.
 
-**Q: Can I create advice for assets that don't exist yet in the client's portfolio?**
-A: Yes, you can create advice for new asset purchases. The system creates fictitious entries that become real assets if the client accepts the advice.
+**Q: Can I group multiple recommendations in one consent request?**
+A: Yes, you can select multiple advice items across different asset categories and send them as a single consent package to streamline client decision-making.
 
-**Q: Why can't I create new advice for an existing fixed deposit?**
-A: The system only allows one pending advice per asset. Check if there's existing advice awaiting consent for that FD and resolve it first.
+**Q: What happens to existing investments when I recommend selling assets?**
+A: The system creates fictitious asset entries showing the projected post-sale scenario while preserving original asset records. Actual sales only occur after client consent and implementation.
 
-## Troubleshooting
+### Troubleshooting
 
-**Problem:** Error message "Advice exists for given Asset" when trying to create new advice
-**Cause:** There is already pending advice for this specific asset awaiting client consent
-**Fix:** Check the advice list for pending items on this asset, process the existing consent first, or wait for client response before creating new advice
+**Problem:** Error message "Advice exists for given asset" when creating new recommendations
+**Cause:** Another active advice item exists for the same asset awaiting client response
+**Fix:** Check the advice status dashboard, resolve the pending advice first, then create new recommendations
 
-**Problem:** "Advice applicable after completing one year" error for recurring deposit advice
-**Cause:** Withdrawal advice for recurring deposits requires minimum 12-month tenure from commencement
-**Fix:** Wait until the RD completes one year or create different advice type like increasing contribution amount
+**Problem:** Unable to send consent requests with "Zero rows affected" error
+**Cause:** Advice items may have been deleted or are in invalid status for consent requests
+**Fix:** Refresh the advice list and verify all selected items show "Given" status before sending consent
 
-**Problem:** Deployment entry not created after client accepts withdrawal advice
-**Cause:** System failed to calculate penalty amounts or asset current value
-**Fix:** Verify the original asset has complete details including commencement date, current value, and penalty percentages
+**Problem:** Fixed deposit advice shows incorrect penalty calculations
+**Cause:** Interest rate data may be outdated or bank terms have changed since asset creation
+**Fix:** Update current market rates in the system settings and recalculate before creating advice
 
-**Problem:** Client consent email not received
-**Cause:** Invalid email address or email delivery failure
-**Fix:** Verify client email address in their profile, check spam folders, and resend consent request if needed
+**Problem:** Insurance recommendations show coverage limit errors
+**Cause:** Recommended coverage exceeds regulatory limits based on client's recorded income
+**Fix:** Review client income information and adjust recommended coverage to comply with insurance regulations
 
-**Problem:** "Zero rows affected" error when processing advice consent
-**Cause:** Database inconsistency or advice record was modified during processing
-**Fix:** Refresh the advice dashboard and verify the advice record still exists and is in correct status
+**Problem:** Deployment entries not created for selling recommendations
+**Cause:** Asset may be flagged as fictitious or have pending transactions blocking deployment
+**Fix:** Verify asset status is active and real, resolve any pending transactions, then recreate the advice
 
-## Related Features
+### Related Features
 
-This feature integrates with **Account Management** for creating and modifying client assets, **Deployment Service** for fund allocation planning, **Insurance Management** for policy-related advice, and **Email Notification System** for client consent communications. It also connects to **Goal Planning** for updating asset allocations and **Portfolio Management** for tracking fictitious vs. real assets.
+- **Account Management**: Required for accessing client asset and insurance data that advice recommendations reference
+- **Insurance Management**: Integrates for life and general insurance policy suggestions and modifications  
+- **Deployment Planning**: Automatically triggered by accepted advice to execute asset purchases and sales
+- **Client Portfolio**: Provides current holdings data that advice recommendations analyze and modify
+- **Consent Management**: Handles client approval workflows for all financial recommendations
+- **Market Data Integration**: Supplies current pricing for accurate advice calculations and projections