Client and partner

Client

Personal details
Estate and death detail (optional)
Salary
Earnings
Gross salary the cash component, before deductions
Taxable fringe benefits car, housing and other benefits taxed on the payslip
Deducted on the payslip
Pension, your part
Provident, your part
Retirement annuity where the payroll collects it
Medical aid
People on the medical aid for the tax credit
Anything else union fees, a staff loan, parking
Paid by the employer on top
Pension, employer's part
The retirement figures are the same ones as section 2; fill them in on either side.
Take-home a month
Cost to company gross, fringe benefits and the employer's pension
Additional incomes

Partner

Personal details
Salary

Retirement and investment vehicles

Retirement vehicles pension, provident and retirement annuities, excluded from estate duty
VehicleCurrent valueMonthly contributionGrowthWho is it withPolicy number
Pension fund (employee portion)%
Pension fund (employer portion)with your part
Provident fund%
a retirement annuity, a pension or provident preserver, or Other for anything else
Investments endowments, tax-free and money held directly, one line per policy
Retirement ages, commutation, drawdown and the proposed contribution are set in the workbench, not here. This section captures what exists today.

Assets and liabilities

What they own and what they owe

A summary of everything captured below. Change the numbers on the cards, not here.

Assets Everything the client owns, each with the debt against it. Add a line for every asset they have
Primary residence
Market value
Base cost
Year acquired
Growth%
Bond outstanding
Interest rate%
Remaining termyears
Extra paid a month
Vehicles
The cars, the bakkie, the caravan, the boat. One line for all of them, with whatever is still owed on them.
What they are
Trade value
Finance outstanding
Instalment a month
Household contents
Furniture, appliances, everything in the house. What it would be worth, not what it cost.
Value
Liquid and near-cash
Cash and anything that turns into cash quickly. It is what the estate has to pay its own costs with.
Available on death
Other immovable property
Anything not itemised as its own asset below.
Value
What they owe Debt with no asset behind it. A bond sits with the home above, and anything owed on an asset sits on that asset, so neither is repeated here
Cards and store accounts
Outstanding

Existing risk cover

Group benefits employer scheme, never moved
Personal cover individually owned, replaceable
%

Dependants and estate

Costs at death and estate
Life cover follows each policy's Death benefit paid to: the spouse, someone else or the estate.
Until it is answered the estate is worked as if there is no will, which only changes anything for a married client with children. The client summary flags it.
Dependants children and anyone financially dependent on the client
RelationshipNameAge nowMonthly income needUntil ageEducation to ageSchool type
Each dependant defaults to a child (fill in school type and education age). For a non-child — a parent, aunt, anyone you support — type the relationship and leave the education columns blank. What each dependant needs a month, and until when, is set on the life cover card in the workbench.

Underwriting and adviser notes

Underwriting and rating factors
Discovery Vitality
Discovery medical aid
Discovery Bank
Discovery Insure
Adviser notes one per line, internal only

Assumptions

Every projection in Unitool runs on these. A field left blank uses the firm standard shown in grey; type over it to change it for this client only, and clear it to go back. Nothing here is required.
When the plan runs

The dates everything else is measured to.

yrs
yrs
yrs
yrs
The economy

The two rates every other number is measured against.

%
%
%
What things grow at

Each of these is a fallback. Any one asset, investment or income can carry its own rate on its own row, and that rate wins.

%
%
%
SARS tables

Income tax and PAYE, the retirement lump sum and withdrawal tables, estate duty, capital gains, transfer duty and the rest are kept up to date centrally and published to every adviser at once, so a review done here and a review done down the passage are on the same Budget. They are not an assumption and there is nothing to set.

Contributions and drawdown

How what the client pays in, and takes out, moves over time.

%
%
%

Cockpit, the comprehensive plan

Your working plan, the ultimate recommendation. Everything itemised, with the levers to drive it. The short summary and the WhatsApp are a selection off this.
Client file