Home

Hawanedo User Manual

1. Advice report Finalize Advice Double click here to finalize the Hawanedo proces by closing this advice Finalizing an advice will transform your NEEDS into HAVE s thus allowing the purchase of your desired WANTS Double click here to create an advice report Get a policy Send to CRM system Doublie click here to send a policy request to Double click here to send this file to your your prefered party under construction ON prefered CRM system under construction Overview Anekcangp Hosat 30 09 2010 Scenario Long life a AR Hawanedo User Manual v1 0 2010 65 FIAQVATOR 6 2 Do Automatic Advice Report Financial plan The purpose of the Advance report is to develop an automatic report on a customer s personal financial plan ss based on the data supplied by them This report is a snapshot j of the client s financial situation and indicates their wishes fz given their current and future financial situation Moreover the report provides insight into how the client s wishes and objectives can be reached The current tax system and current social and fiscal legislation are also taken into account in this report Advice report In order to clarify the client s financial information graphs and tables are used As previously mentioned the report can be created both in PDF and in Word format in order to make the report manually adjustable Finally Figlo is able t
2. aad Hawanedo User Manual v1 0 2010 19 VYFIMOVATOR K Add card By clicking the Add pension card button as You can select the pension type that you would like to add here indicated by the red arrow on the right of screen 19 you can add a new pension card if the client has an extra pension card such as Defined benefit pension and Contribution pension see screen 20 Defined benefit Contribution pe 3 4 1 Have Pension Card Info If you would like to add or modify information regarding the client s pension you can click the pen button in the upper part of the card as indicated by the red arrow to the left of screen 19 Screen 21 presents a list of questions regarding the client s pension card You can select a card holder s name and fill in the following information Card description Retirement date expected future value on retirement Benefit indication Pay out frequency and Duration The set image can be used to upload the pension provider s log The upper left graph on the card indicates the client s annual income By clicking the button magnifier as indicated by the red arrow the graph will be enlarged By clicking the line of each year you can see detailed and complete financial information for that year Contribution pension Contribution pension Cardholder Jacob Thomasen Cardholder 2 Jacob Thomasen Benefit indication 2 500 Pay out frequency Year
3. 01 01 2036 Gross annual income 2 Gross annual income change s 3 Work Card or rds Yearly expense allowance a Set image 2 ey Employment Employment gt Cancel The left upper graph on the card indicates the client s annual income By clicking the button magnifier as indicated by the red arrow in screen 17 the graph will be enlarged As screen 18 below shows by moving your mouse across the graph you can see the gross income for each year By clicking the line of each year you can see detailed and complete financial information for that year Hawanedo User Manual v1 0 2010 18 ViOVATOR 4 000 3 000 2014 5 046 93 san Employment o 2010 2015 2020 2025 2030 2035 2040 2045 3 4 Have Pension The next step is about the client s pension cards which can be accessed by clicking the pension button as mentioned in the Have part in the upper menu panel as indicated by the red arrow Need al r l Sl a Overview Household Pension Other income Expenses Assets Insurance Liabilities Contribution pension Contribution pension Cardholder Jacob Thomasen Cardholder Grace Thomasen Davo Benefit indication 2 500 Benefit indication 2 000 Pay out frequency Yearly Retirement date 01 01 2036 tt Fay out frequency Yearly Retirement date 01 01 7042 2 400 Q 1 800 it nkede
4. 2010 59 FIAQVATOR Risk at Value Risk at Value is the opposite of the Value at Risk method of risk calculation Here you define an investment target value and then analyse the chance probability of reaching that value The Monte Carlo method can be used to generate distribution of values for a given portfolio Product A invests in shares There are no costs and no guarantees The initial deposit is 1 000 and the product has a term of 5 years What is the probability risk of a portfolio value lower than 900 Probability of value less than 900 is 6 2 What is the probability chance of a portfolio value higher than 1 200 Probability of value greater than 1 200 is 90 4 Average Worst Case Capital The following example calculates the Average Worst Case Capital of the portfolio using the Monte Carlo method this is also known as CVaR Product A invests in shares There are no costs and no guarantees The initial deposit is 1 000 and the product has a term of 20 years The Average Worst Case Capital for Product A after 20 years is 778 This means that after 20 years in 10 of the worst cases the average value of the portfolio will be 778 3 8 Have Insurance al This paragraph is about the client s Insurance To open this section click the Insurance button at the top of the Have menu as indicated by the red arrow in screen 34 By clicking the Add insurance card bu
5. Forgot password English ga German Spanish Romanian Polish Turkish Please enter your Username and Password choose your application system language and click the Login button Now you are logged on Select Remember me if you want the application to remember your Username Hawanedo User Manual v1 0 2010 2 2 Client Registration VFIAOQVATOR Once you are logged on to the Hawanedo application the following screen 2 will appear ras r Click here to add a client By clicking the button indicated by the red arrow in the above screen the following registration screen 3 will appear where you can create a new client account Registration Firstname s Last name E mail address Date of birth Gender Jacob Thomasen jt live com 01 01 1970 Male O Female Open as active client after save a Open QuickSetup after save Hawanedo User Manual v1 0 2010 iH VFIAQVATOR By choosing the option Open QuickSetup after save in the above print screen a short Hawanedo QuickSetup questionnaire will appear as shown in screen 4 Household Pension Insurance End Hawanedo QuickSetup Please answer the questions below to get started on the quick setup Based on the answers the quick setup will ask different questions There is some personal information about the household There is an employment and or some other form of income There
6. VYFIMOVATOR Hawanedo User Manual English version 1 0 Index Introduction 1 Technical Information amp System Requirements 1 1 Platforms and Browsers 1 2 System Requirements 2 Hawanedo Registration 2 1 Logging on to the system 2 2 Client Registration 3 HAVE Part of the Hawanedo Process 3 1 Have Overview 3 2 Have Household 3 2 1 Have Household Cardholder Info 3 2 2 Have Household Regional Tax Calculation 3 2 3 Have Household Risk Profile 3 2 4 Have Household Linked Cards 3 3 Have Work 3 3 1 Have Work Card Info 3 4 Have Pension 3 4 1 Have Pension Card Info 3 5 Have Other Income 3 5 1 Have Other Income Card Info 3 6 Have Expenses 3 6 1 Have Expenses Card Info 3 7 Have Assets 12 12 13 14 15 16 17 17 18 19 20 21 22 23 24 25 FIAQVATOR Hawanedo User Manual v1 0 2010 3 7 1 Have Assets Card Info 3 7 2 Have Assets Monte Carlo Simulation 3 8 Have Insurance 3 8 1 Have Insurance Card Info 3 9 Have Liabilities 3 9 1 Have Liabilities Card info 4 WANT Part of the Hawanedo Process 4 1 Want 4 2 Want 4 2 1 Want 4 2 2 Want 4 2 3 Want 4 2 4 Want 4 2 5 Want 4 2 6 Want 4 2 7 Want 4 2 8 Want Overview Cards Descriptions Car Card Big Expense Card Comfortable Pension Card Real Estate Card Asset Card Work Life Balance Change Card Education Card Boat Card 4 3 Want Analysis 5 NEED Part of the Hawaned
7. The shortage currently is 0 covered Start date End date Percentage Deposit Frequency Target value Monte Carlo 01 01 2011 01 01 2019 So 0 00 al Deposit Current value Interest rate Start date End date Deposit Frequency Target value Hawanedo User Manual v1 0 2010 VFIAOVATOR 01 01 2011 01 01 2019 o Monthly 27 342 56 FIAOVATOR 5 2 5 Need Savings Plan Card In order to activate the next financial product in the Need part Savings plan the following information must be filled out Card Saves pa description Number of insured persons Insured person End date g insurance Sum assured Interest rate Set image which can be used to upload the logotype of the financial institution providing the D financial products then after clicking the Next button the following part of the form will appear which can be used to fill out the remaining fields such as Start and End dates Percentage Deposit Frequency and Target value see screens 62 and 62a below Product d Calculation Savings plan insured person Jacob Thomasen The WANT you choose Big expense caused a total shortage of 27 342 To cover this shortage you pithed the Savings plan NEED The shortage currently is 0 covered Card description a Savings plan Number of insured persons T One Insured person gi Jacob Thomasen En
8. Transactions 2 poe 0 Assets Cards Real estate Savings account Appartment fo gt Cancel 3 7 2 Have Assets Monte Carlo Simulation The Figlo Monte Carlo amp Risk Analysis Component can be used for risk assessment and actuarial calculations and simulations The Figlo Monte Carlo amp Risk Analysis component runs Monte Carlo simulations and makes risk analysis calculations for portfolio pricing portfolio optimisation and portfolio evaluation It s also used for risk assessment calculations project finance and real options analysis and can be used for valuing an option on equity The following mathematical statistical and financial calculations are supported Value at Risk VaR Conditional Value at Risk CVaR Stop loss excess reinsurance Monte Carlo simulations Portfolio evaluation analysis and optimization Personal financial planning a Corporate Finance project finance and real options analysis Valuing an option on equity Value bonds and bond options GUISE Hawanedo User Manual v1 0 2010 28 iglo vFIAOVATOR Monte Carlo Simulation Current value E 75000 00 Growth rate e Ga j 10 00 Pt Goal value ae 0 00 Years to reach goal CS E j 1i Calculate t Advanced Risk of a lower capital a Expected end value Chance of a higher capital 100 Average worst case capital 189 000 Histogram 400 000 350 000 a 300 000 A 250 000
9. i i Work Life balance change Real estate Asset Check how to finance a new Plan the purchase of an asset Check the consequences of a 2 io o fa ogo As you can see in screen 54 the programme again shows a red line indicator on the life line This means that the client s Want regarding the real estate is also not possible To show the financial consequences of these two wants you can click the graph button on the right as indicated by the red arrow Three charts will then appear Chart 1 Income expense balance Chart 2 Surplus deficit Chart 3 Net worth If you need detailed financial information about a particular year click the magnifier on the right next to the life line as indicated by the red arrow You can see this detailed financial in screen 55 Hawanedo User Manual v1 0 2010 47 NOVATOR 200 000 100 000 o ALLLTLLLLEELLLILEELI In the screen below you can find detailed information about the client s Income Expenses Income expense balance Surplus deficit Cost of living Assets Liabilities and Total net worth for that particular year Income Expense Balance 2030 2040 2050 2059 200 000 Year 2021 w 100 000 o BEEEBERERESEEREERERD Age client 50 Age partner 44 Income Employment 3 570 00 Employment 5 411 00 Bonus 5 578 00 Income app rent 12 185 00 Savings account Credit interest 5 695 00 TOTAL INCOME 32 440
10. list and or check a particular client account quickly by clicking the icon circled in red in screen 80 you will be promptly directed to the list At this stage you can also quickly find a client database by using the programme s search option Furthermore you are given the option to create a new client account by clicking the upper right corner these function buttons are indicated by the red arrows Advisor victor gmail ru 08 07 2010 novatorov finovator ru 29 09 2010 ol finovatort ru 06 08 2010 nikolay mail ru 08 07 2010 Number of clients 4 Addcient q By clicking the Settings button as indicated by the red arrow in the above screen 80 amp 81 you can change your account settings and password Hawanedo User Manual v1 0 2010 VFIMOVATOR Clients pe Change your settings _ Change account settings PE lhakob figlo com _ Change password Old password New password a Password strength Password strength Very weak Retype new password 7 6 Advice Management Sack to login By clicking the Advice management icon as indicated by the orange arrow in screen 80 the advice management page will open screen 82 On this page you can manage previous client recommendations Previous recommendations can only be opened in the read only mode Advice management On the advice management
11. 00 Expense Income tax 7 355 00 Social security contributions 862 00 Charity gift 2 020 00 Savings account Credit interest 5 695 00 Real estate 320 000 00 Annuity mortgage Debit interest 8 103 00 Loan part 6 427 00 Additional years Back Hawanedo User Manual v1 0 2010 48 Figo VFIMOVATOR By clicking Additional years in screen 55 as indicated by the red arrow screen 56 will appear with even more detailed information about the client s financial situation In the table below you can select any desired year to receive detailed client information This information you can be printed Also in the near future there will be a possibility to export this date in to Excel format Additional years Select one or more years 2010 2011 2012 2013 2014 2015 X ri Show details Age 57 59 61 Age partner 51 53 55 Income 29 550 00 31 649 00 32 768 00 33 937 00 Employment 0 00 i 0 00 0 00 0 00 Employment 0 00 i 0 00 0 00 0 00 Bonus 6 101 00 6 224 00 Income app rent 15 927 00 16 903 00 Savings account Crea 2 9 621 00 10 811 00 Contribution pension i 0 00 i 0 00 Savings plan i i 0 00 0 00 Contribution pension 4 0 00 0 00 Expense 36 594 00 Income tax 6 360 00 Social security contrib H t i 0 00 Charity gift 2059 Clear 2 254 00 Savings account Crea 10 811 00 Annuity mortgage Debr Presi 5 416 930 414 2 330 00 finnarclann Nanbhis intact ann The next step in the Hawanedo progra
12. End date Expense change s Set image The next card on the Want list is the Education card which enables you to plan study costs By clicking the card you can fill out the N following information Card description Amount Frequency Start and End dates Expense changes and Set image which can be used to upload also from the Internet an image of the institution Education Amount Education Frequency Start date lt dd MM yyyy gt y lt dd MM yyyy gt Hawanedo User Manual v1 0 2010 43 VYFIAOVATOR 4 2 8 Want Card Boat ae This card on the Want list provides the possibility to plan the a purchase of a Boat By clicking the Boat card you can fill out the Plan to buy a boat following information Card description Purchase date Purchase price and Set image which can be used to upload the image of the boat wanted Boat Card description Purchase date 2 lt dd MM yyyy gt Purchase price Set image w Having explained how the Want cards work the next section shows how a particular want of a client can be analysed Hawanedo User Manual v1 0 2010 iA VFIMOVATOR 4 3 Want Analysis Suppose a client would like to purchase a car Take the Want card for a car and drag it to the client s life line on the desired purchase year as indicated in screen 51 below The rela
13. Ss o ome ee End date 01 01 2019 Target value 2 27342 63 Deposit 185 48 Monte Carlo a Frequency Monthly Target value 27 342 Hawanedo User Manual v1 0 2010 VFIAOVATOR 5 2 4 Need Saving Cards For the financial products such as Deposit and Savings accounts in the Need part the following information must be filled out Card description Current value Interest rate Set image where again the logotype of the financial institution providing the financial products can be uploaded After clicking the Next button the following part of the form will appear which can be used to fill out the other fields such as Start and End dates Deposit Frequency and Target value see screens 61 and 61a below Deposit Savings account Deposit Savings account Product d Calculation Deposit Current value Deposit Interest rate The WANT you choose Big expense caused a total shortage of 27 342 To cover this shortage you picked the Deposit NEED The shortage currently is 0 covered Card description Current value Interest rate Set image Start date 01 01 2011 End date 01 01 2019 Deposit 0 Frequency Monthly Target value 27 342 Cancel Cltevlreintela Hawanedo User Manual v1 0 2010 a2 Deposit The WANT you choose Big expense caused a total shortage of 27 342 To cover this shortage you picked the Deposit NEED
14. applies for the mortgage cards There are three different types of mortgages in the Need part Linear mortgage Interest only mortgage and Annuity mortgage Again in order to activate and use these cards the following information must be filled out in the forms Card description Start and End dates Annual interest rate and Set image that can be used to upload the logotype of the Product d O Annuity mortgage The WANT you choose Real estate caused a total shortage of 320 000 To cover this shortage you picked the Annuity mortgage NEED an Lad The shortage currently is 0 covered Description Annuity mortgage Start date 01 01 2021 End date we lt d a MM yyyy gt o CD A Set image 2 wy Annual interest rate financial institution providing the financial products see screen 59 below Annuity mortgage Annual interest rate Start date 01 01 2021 End date Principal Annual interest rate Saiculator Hawanedo User Manual v1 0 2010 52 VFIAOVATOR 5 2 3 Need Investment Cards In order to activate the next category of financial products in the Need part such as Investment Stocks and Mutual funds the following information must be filled out in these forms Card description Current value Interest rate Dividend rate Growth rate and Set image which can be used to upload the logotype of the financial institution pro
15. b Real estate assets c Miscellaneous assets such as Antique Art Boat Car Electronics and Jewellery Hawanedo User Manual v1 0 2010 Investment Cardholder Current value Dividend rate Growth rate 8 805 000 7 044 000 5 283 000 3 522 000 1 761 000 0 VYFIMOVATOR ha wa ne do Real estate Jacob Thomasen Cardholder Jacob Thomasen 75 000 Economic value 500 000 0 10 301 000 400 800 300 600 200 400 100 200 0 Add card You can select the asset type that you would like to add here l E A gt 4 Financial instru Real estate asset Miscellaneous 2 You can select the asset type that you would like to add here ae E Investment Fa Eo Mutual fund Savings account Current account Electronics Financial instrument Back Z Real estate asset e Miscellaneous asset 3 7 1 Have Assets Card Info Screen 31 shows a list of questions about the client s Assets You can select the card holder s name and fill in the following information Card description Current value Dividend rate Growth rate Set image where again a relevant image can be uploaded Designated goals where you can indicate related goals that a given investment aims to achieve and Monte Carlo see paragraph 3 7 2 Hawanedo User Manual v1 0 2010 VYFIMOVATOR There is also an option to open a next investment card such as Real estate In order to do so you can cli
16. com Marital status Married 2 ip EN 3 3 Have Work To add a new employment card you can click the Add work card red arrow on the right if a client has more than one job If you would like to add or modify information regarding the client s employment you can click the pen button as indicated by the red arrow on the left ha wa n do Employment Employment 2 g Cardholder Jacob Thomasen Cardholder Grace Thomasen Davo Ox Job start date 01 01 2010 Job start date 01 01 2010 Employment type Full time Employment type Full time Gross annual inco 4850 Gross annual inco 3 200 Can ing 7 000 5 600 4 200 2 800 1 400 0 Hawanedo User Manual v1 0 2010 a VYFIMOVATOR 3 3 1 Have Work Card Info The questionnaire below concerns the client s employment situation You can select the card holder s name and fill out the following information Card description Employment type Employer Job start date Job end date Gross annual income Gross annual income change s Yearly expense allowance and Set image which can be used to upload the logotype of the client s employer Employment Employment Cardholder Jacob Thomasen Cardholder Jacob Thomasen Job start date 01 01 2010 Card description D Employment Employment type Full time cnr ae ee Baasa i Gross annual inco 4 850 Employer wey Job start date 4 01 01 2010 Job end date
17. is a build up of capital through a pension plan There is an owned or rented house i e condo apartment etc There is capital allocated in either bank assets or a savings account There are several term life insurances to take into account By answering the questions with Yes and pressing the Next button the related subsection for Household Pension Assets etc will be opened See screen 5 Hawanedo User Manual v1 0 2010 VFIMOVATOR Household Pension Insurance End Hawanedo QuickSetup Household Let s start by determining your household situation Please answer the questions below and click NEXT to continue Or click PREVIOUS to return to the previous screen Finally press CANCEL to close the QuickSetup Whats the education level University What is the marital status First name partner Last name partner Date of birth partner lt dd MM yyyy gt Are there any children No Previous After completing the relevant subsections you will receive confirmation once your access is successful see screen 6 below By clicking the Save button your input will be saved and the related cards in the Have part will have been created Hawanedo User Manual v1 0 2010 10 VFIMOVATOR Household Pension Real estate Insurance 0 08 Hawanedo QuickSetup End Quicksetup was succesfully completed Thank you for completing this QuickSetup After pressing Save your input
18. on the right of screen 37 you can add two kinds of liabilities see screen 38 a Loan Interest only Annuity loan and linear loan b Mortgage Interest only mortgage Annuity mortgage linear loan mortgage If you would like to add information about the client s Annuity mortgage card click the pen button of the card as indicated by the red arrow on the left in screen 37 Hawanedo User Manual v1 0 2010 35 VFIMOVATOR ha wa n e do Annuity mortgage Linear Loan Cardholder Jacob Thomasen Cardholder Jacob Thomasen Principal 200 000 End date 01 01 2020 End date 31 12 2034 Principal 15 000 Annual interest rate 10 Annual interest rate 6 0 36 600 73 200 109 800 146 400 183 000 o Q Add card You can select the liability type that you would like to add here Mortgage Add card Add card You can select the liability type that you would like add here i You can select the liaSQy type that you would like to add here i Interest only loan Annuity loan Linear loan Annuity mortgage Interest only m Linear mortgage Se Loan Mortgage Hawanedo User Manual v1 0 2010 33 VF IMAOVATOR 3 9 1 Have Liabilities Card info Screen 39 shows a list of questions about a client s Liabilities As an example the Annuity mortgage is taken You can select the card holder s name and fill in t
19. select the card holder s name and fill in the following information Card description Amount of income Pay out frequency Card date Income changes Start and End dates Income changes and Set image which again can be used to upload a relevant image The upper right graph on the card indicates the client s annual Other income By clicking the magnifier button as indicated by the red arrow the graph will be enlarged By clicking the line of each year you can see detailed and complete financial information for that year Hawanedo User Manual v1 0 2010 22 There is also an option to open a next income card In order to do so you can click the logo in the lower right corner of the card as indicated by the red arrow Other taxable income Cardholder Card description Amount Pay out frequency Start date End date Income change s Set image Jacob Thomasen 2 2 2 2 Yearly 4 01 01 2010 4 01 01 2040 oe A Bonus Cardholder Start date End date Amount Pay out frequency 8 000 Other income Cards VFIAOQVATOR Jacob Thomasen 01 01 2010 01 01 2040 5 000 Yearly 6 400 Q 4 800 Pal 3 200 1 600 0 gt Cancel 3 6 Have Expenses This paragraph is about a client s expenses In order to open this section you can click the Expenses button at the top of the Have menu as indicated by the red arrow in screen 26
20. will be stored and 6 cards will be created at your convenience Subsequently you will be guided to the Dashboard Obviously you can still press Previous if you want to review your choices or press Cancel to discard your progress and go to the Dashboard straight away Total number of cards saved 6 After clicking the Save button the client information Overview screen 7 will open in the Have part of the Hawanedo process For a detailed description of this part please see the next chapter ha wa ne do Gomplebon statis anna Income Expense Balance v _ Pension Total pension value 2 500 A Stocks end slightly lower after jobs report Vy sew ee crown puts recovery a ris Other income a Liabilities A Economy sheds more jobs than expected S _ Total other income 13 784 07 Total liabilities 195 403 96 A Where the jobs are and aren t oN Hawanedo User Manual v1 0 2010 i VYFIMOVATOR 3 Have part of the Hawanedo process 3 1 Have Overview In this chapter of the manual using the Have part you can retrieve information about the client s Haves such as Household Work Pension Other Income Expenses Assets Insurance and Liabilities When you are in a client s dashboard as indicated in screen 8 below the overview of these 8 client items will be presented The balance of income expenses surplus amp shor
21. 6 Set image Hawanedo User Manual v1 0 2010 63 VFIMOVATOR As a result in the screen below we can see that the programme shows a green indicator which means that the combination of the two financial products Savings account and Annuity mortgage provides a solution for the client s Want and enables the desired Real estate to be purchased In other words we can see that the programme has options for using multiple new and existing financial products when realising the Wants of a client ha wa ne do 43 Annuity mor A amp N Congratulati You ve solved this WANT already Pick another WANT to The next and final step in the Hawanedo programme is the Do process By clicking the Do button you will be directed to the process start Hawanedo User Manual v1 0 2010 64 VFIMOVATOR 6 Do Part of the Hawanedo Process 6 1 Do Overview Having ascertained your client s Haves Wants and Needs you can use the Do step of the Hawanedo process in order to identify what the client has to finally do to accomplish their goals By clicking the Do button the screen below will appear Here you have a choice of four options Automatic Advice report or financial plan in PDF RTF or Word format Finalize Advice Get a policy and a E Send to the CRM system see 71 screen ha wa ne do
22. 9 you can see the client s Household information presented in credit card format Here you can click Add Household Card in the right corner as indicated by the red arrow if you want to create a new card for an additional family member for example a new child By clicking the pen as indicated by the red arrow you can open and edit the card holder s personal information as shown in screen 10 hawa n do Jacob Thomasen Grace Thomasen Davodoff Date of birth 01 01 1971 39 Gender Male E mail address jt gmail com Marital status Date of birth 01 01 1977 33 Gender 2 Female Married V Vera Thomasen Date of birth 01 02 2007 3 Gender Female City Amsterdam Household Jacob Thomasen 07 08 2010 Scenario Long life Hawanedo User Manual v1 0 2010 13 VYFIMOVATOR 3 2 1 Have Household Cardholder Info In the menu below the card holder s details can be filled out such as their date of birth email address etc You can also upload a personal photo of the client by selecting Set Image the red arrow pointing on the dots In addition by clicking the Advanced button see red arrow below the client personal information list continues see screen 11 Cardholder Jacob Thomasen Date of birth 01 01 1971 39 Firstname s Jacob Gender Male ee nee Thomasen E mail address jt gmail com Initials Ned Marital status Married Date of bi
23. By clicking the Add expenses card button see the red arrow on the right of screen 26 you can add a client Expenses card such as Rent Charity gift College contribution Community contribution Membership Miscellaneous contribution Miscellaneous gift Miscellaneous non taxable expenses Taxable expenses Paid alimony Paid child support Subscription Contribution for church refer to screen 26 If you would like to add information about the client s expenses click the pen button on the card as indicated by the red arrow on the left of screen 26 As an example see the Charity gift card in screen 26 Hawanedo User Manual v1 0 2010 23 VFIMOVATOR hawa ne do Cost of living Charity gift Cardholder Jacob Thomasen Cardholder Jacob Thomasen Amount 900 Amount 150 Frequency Monthly Start date 07 08 2010 QJ gt Frequency Monthly o 2 800 5 600 8 400 11 200 14 000 Add card You can select the expense type that you would like to add here Te Charity gift College contrib Community con Membership co Miscellaneous c Miscellaneous gift Miscellaneous n 3 6 1 Have Expenses Card Info The next screen shows a list of questions about the client s expenses In this instance the Charity gift is taken You can select the card holder s name and fill out the following information Card description Amount Frequency Start and End dates Expense changes Referenc
24. Have Other Income This paragraph is about other income a client may have In order to open the other income section you can click the Other income button at the top of the Have menu as indicated by the red arrow in screen 23 By clicking the Add other income card button see the red arrow on the right of screen 23 you can add another new income card such as alimony allowance child support other non taxable income and other taxable income refer to screen 24 If you would like to add information about the client s other income then you can click the pen button of the card as indicated by the red arrow on the left of screen 23 Hawanedo User Manual v1 0 2010 21 VYFIMOVATOR hawa ne do Bonus 7 Income app rent Cardholder Jacob Thomasen Cardholder Jacob Thomasen Start date 01 01 2010 Start date 01 01 2004 End date 01 01 2040 End date 01 01 2050 Amount 5 000 Amount 650 Pay out frequency Yearly Pay out frequency Monthly 8 000 6 400 4 800 3 200 1 600 o 29 000 23 200 17 400 11 600 5 800 0 Add card You can select the miscellaneous income type that you would like to add here Alimony Allowance Child support Other non taxa Other taxable i 3 5 1 Have Other Income Card Info Screen 25 presents a questionnaire regarding a client s other income for example another taxable income card You can
25. al Information amp System Requirements 1 1 Platforms and Browsers Hawanedo is supported by all major browsers on both Mac OS X and Windows and by Moonlight on Linux as well Particular care is taken into account for differences in platform and browser capabilities to ensure a consistent experience including those on Internet Explorer 6 7 8 Firefox2 and 3 Safari 3 and 4 and now Google Chrome Figlo designed Hawanedo with the ability to deliver high fidelity experiences on the broadest set of system configurations Some features such as HD video perhaps to be implemented at a later stage may benefit from the power contained in newer personal computers 1 2 System Requirements The system requirements for Hawanedo and associated technologies are listed below Windows Operating System Windows 7 Windows Vista Windows XP Service Pack 2 Intel Pentium IIl 450MHz or faster processor or equivalent Atleast 128MB of RAM Mac OS Operating System Apple Mac OS X 10 4 8 or above Intel Core Duo 1 83GHz or faster processor Atleast 128MB of RAM Hawanedo User Manual v1 0 2010 VYFIAOQVATOR 2 Hawanedo Registration 2 1 Logging on to the system To register start your internet browser and go to the Hawanedo URL https www hawanedo com When the browser has loaded the log on screen the following screen 1 will appear ha wa ne do Username anna tfiglo com Password TTT iiiiiii Remember me
26. butions of that particular country will be taken into account You can open a new window by clicking the button with dots as indicated by the red arrow in the above screen next to Country of Residence and selecting a possible deduction for that particular country see screen 12 Chernobyl deduction and Heroes and veterans deduction If you leave the country of residence field empty income tax and social security contributions are calculated based on a global average of effective tax rate which in turn is based on OECD calculations If you would like to switch off the income tax and social security contributions calculator altogether fill in a bogus fictitious country such as Disneyland Hawanedo User Manual v1 0 2010 Figlo YFIAOVATOR 3 2 3 Have Household Risk Profile In order to define the investment risk profile of a client you can click the dots button as indicated by the red arrow in screen 11 next to Investment risk profile When you do so a multiple choice questionnaire will appear as indicated in screen 13 which can help you retrieve the investment risk profile of that particular client Investment risk profile Knowledge and Experience Do you have Knowledge and or experience with the various fonms of investing money None Savings account Bank or Life insurance a Investment account Life insurance Investment account Bank Asset managemen
27. buttons are positioned to the right of the lifeline a magnifier to receive detailed financial information and a graph to obtain a graphical presentation about a client s financial situation This section provides a detailed explanation of the Want cards at ha wa n e do f Car Plan to buy a new car Plan a big expense Check if your retirement meets your expectations a S o A Big expense Comfortable pension Hawanedo User Manual v1 0 2010 36 VFIMOVATOR 4 2 Want Cards Descriptions At present the following Want cards are supported in the Want part of the Hawanedo process Card Car Card Big Expense Card Comfortable pension Card Real Estate Card Asset Card Work Life balance change Card Education and Card Boat Note that Hawanedo is able to adjust any desired Want card according to the regional and cultural specifications 4 2 1 Want Card Car c oe By clicking the Car card you will be required to fill out the following Ca i information see in screen below Card description Purchase date an to buy a mew car Purchase price and Set image which can be used to upload the picture ig ey of the car wanted Car Mercedes Bens CLK Card description WI Mercedes Bens CLK Purchase date 01 01 2012 is Purchase price 60000 00 Set image 4 lt Hawanedo User Ma
28. ck the logo in the lower right corner of the card as indicated by the red arrow Investment Cardholder Card description Current value Dividend rate Growth rate Set image Designated goals Monte Carlo 2 Jacob Thomasen v 75000 00 ip ee ooo 2 10 00 A 2e Real estate 320 000 2 D q gt Cancel Investment Cardholder Jacob Thomasen Current value 75 000 Dividend rate 0 Growth rate 10 8 805 000 7 044 000 5 283 000 3 522 000 1 761 000 Assets Cards By clicking the Advanced button follow the red arrow at the bottom of the above screen additional information can be added such as Reinvest dividends Purchase costs Sales costs Sector Region Theme Transactions see screen 32 The right upper chart on the card indicates the annual value of a client investment Again by clicking the magnifier button as indicated by the red arrow the graph will be enlarged By clicking the timeline you can see detailed and complete financial information for a specific year Hawanedo User Manual v1 0 2010 ae VYFIMOVATOR Investment Investment Cardholder Jacob Thomasen Reinvest dividend Current value 75 000 Purchase costs ke l i Dividend rate 0 h rate A EA Growth rate 10 Sector Technology S 8 805 000 Region Europe 7 044 000 5 283 000 Theme Interest sensitive 3 522 000 E 1 761 000
29. d date insurance Start date 01 09 2010 End date 01 01 2019 interest rabe uro m d Deposit 235715 Summi arune Set image w Frequency Yearly Target value 27 342 Ceila lifin Hawanedo User Manual v1 0 2010 57 vVFIAOVATOR Product d Calculation Savings plan Insured person Jacob Thomasen Savings plan Sum assured 0 a gt The WANT you choose Big expense caused a total shortage of 27 342 To cover this shortage you picked the Savings plan NEED Fz The shortage currently is 0 covered Start date 01 09 2010 End date 01 01 2019 Percentage A Deposit 2 2252 15 BJ Start date 01 09 2010 End date 01 01 2019 Target value 3 27342 13 BJ Deposit 2 252 15 Frequency Yearly Frequency Yearly Target value 27 342 gt Previous j gt Cancel Ai UIidGLIOL 5 3 Need Card Adjustment After selecting a particular client want and clicking it see the orange brackets around the want in screen 63 Hawanado will provide you with appropriate financial products that can help you help your client in achieving their particular want You can choose one of the three options below 1 Show all products by selecting this option you can see the financial products the client already has and new financial products that the client can acquire 2 Just show Needs by selecting this option you can only see the new financia
30. dicates the annual expenses of the client s Term life insurance By clicking the button magnifier as indicated by the red arrow the graph will be enlarged and you can see the detailed information about the client s insurance expenses for each year By clicking the line of each year you can see detailed and complete financial information for that year Hawanedo User Manual v1 0 2010 34 VYFIMVOVATOR There is also an option to open a next insurance card To do so click the Saving s plan logo in the lower right corner of the card as indicated by the red arrow Term life insurance Term life insurance Cardholder Jacob Thomasen Cardholder 1 Jacob Thomasen Insured person Jacob Thomasen Card description A Term life insurance Term life coverage Number of insured persons va One Insured person 4 Jacob Thomasen Start date insurance 07 08 2010 Duration Temporary End date insurance 01 01 2038 Premium Frequency Monthly End date premium payment I i lt dd MM yyyy gt Term life coverage Level Sum assured on death 150000 00 Set image a 3 9 Have Liabilities This part is about a client s Liabilities To open this section click the Liabilities button at the top of the Have menu as indicated by the red arrow in screen 37 By clicking the Add liability card button as indicated by the red arrow
31. doing We want to hear about your Hawanedo experience What went well What can be done better Whether you want to compliment j on a feature or provide feedback about a disappointment all of your comments are welcomed and valued Or maybe you simply want to report a bug or do suggestions for a new feature Please use the form below to tell us what you think Your name Ean Type of feedback Subject Description Hawanedo User Manual v1 0 2010 69 ViOVATOR 7 4 Get Help The Get help part provides tips on all four Hawanado parts Have Want Need and Do By clicking the button as indicated by the red circle at the bottom of the screen below the Get help screen will appear For example in the screen below you can see how the Get help button is used for the Have part Help is also available on each individual subpage i e household work pension expenses etc Furthermore there is a disclaimer and an about section In the near future we will also add high fidelity content such as instructional videos and tutorials The Have includes all the things you already have household work 2 Help pensions insurances assets expenses and liabilities ce Disclaimer re Hawanedo User Manual v1 0 2010 70 VYFIAOQVATOR 7 5 Access to the Clients List The same process described above applies to the Show all clients part If you wish to access your client
32. e list of financial products shows which new financial product can be exploited to finance the remaining 33 of the purchase price Hawanedo User Manual v1 0 2010 a Pgo VFIMOVATOR hawa n e do uel ies ais A 39 49 54 59 64 69 74 79 B4 l aiii O b AR O nst show Hove s AP Mutual fund Mutual fund n Annuity mortgage Annuity mortgage In this instance the client opts for the Annuity mortgage financial card Again this new financial product card is dragged into the client life line in order to analyse the new situation Hawanedo User Manual v1 0 2010 VFIMOVATOR to woe 2021 nuity mortga Annuity mortgage Mutual fund Annuity mortgage Mutual fund Next a new card form is opened to fill out the requested information regarding the new financial product see screen 69 below By clicking the Save button the programme will start calculating the consequences of the new product choice Product d Annuity mortgage Annual interest rate Annuity mortgage The WANT you choose Real estate caused a total shortage of 320 000 To cover this shortage you picked the Annuity mortgage NEED The shortage currently is 67 covered Description Annuity mortgage Start date 01 01 2021 End date Annual interest rate Start date 01 01 2021 End date Principal 320 000 Annual interest rate
33. e number and Set image which can be used to upload a relevant image The right upper graph on the card indicates the client s annual Charity gift expenses By clicking the button magnifier as indicated by the red arrow the graph will be enlarged By clicking the line of each year you can see detailed and complete financial information for that year There is also an option to open a next expenses card In order to so you can click the logo in the lower right corner of the card as indicated by the red arrow Hawanedo User Manual v1 0 2010 T Religion Church gift Cardholder Card description Amount Frequency Start date End date Expense change s Reference number Set image 3 7 Have Assets Jacob Thomasen Bi Charity gift 150 00 Monthly 07 08 2010 lt dd MM yyyy gt Charity gift Cardholder Amount Frequency Start date Cost of living VYFIMOVATOR Jacob Thomasen 150 Monthly 07 08 2010 Charity gift This section covers client assets To open this section click the Assets button at the top of the Have menu as indicated by the red arrow in screen 29 By clicking the Add asset card button see the red arrow on the right in the screen 29 you can add three kinds of client Asset cards see screen 30 a Financial instruments such as Deposit Investment Stocks Mutual fund Savings account Current account and Wallet
34. e your satisfaction Hawanedo software is created to make personal financial planning and advice understandable and insightful We have learned that if the customer doesn t really understand financial advice or their financial future the customer is less willing to invest in or buy financial products From this perspective with our Hawanedo have want need do product line focusing on customer centricity transparency intuitiveness and interactivity we strongly believe that with the help of our Hawanedo software we can make a positive difference in the current global financial industry This document will explain the entire functionality of the Hawanedo application step by step to help you discover its opportunities The manual is designed primarily for Financial Advisors who will be using Hawanedo to provide financial product and financial planning advice to their customers Overall this manual provides all the necessary information and calculations needed for good basic financial advice There is much more to Hawanado than is presented in this manual In order to identify all that the programme has to offer refer to the report Hawanado what lies beneath To help you learn more about our services and what you can expect from Figlo please refer to our company website www figlo com Again thank you for choosing Hawanedo we always look forward to serving you Hawanedo User Manual v1 0 2010 FIAQVATOR 1 Technic
35. ee 200 000 ae e 150 000 es 100 000 apse ge ee e ies A 50 000 oO 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 e 10 worstcase O 10 bestcase lem Expected end capital In Hawanedo Monte Carlo methods are used to value and analyse basic financial models such as portfolios and investments by simulating the various sources of uncertainty affecting their value and by then determining their average value over the range of resultant outcomes The advantage of Monte Carlo methods over other techniques increases as the dimensions sources of uncertainty of the problem increase The Monte Carlo method is frequently used to analyse portfolio value Here for each simulation the behaviour of the factors underlying the component instruments is simulated over time the value of the portfolio is calculated and then observed The various portfolio values are subsequently combined ina histogram i e the portfolio s probability distribution and the statistical characteristics of the portfolio are then observed A similar approach is used in calculating value at risk VaR The Monte Carlo method remains the most popular method of solving risk problems In a significant number of simulations it produces accurate output and is therefore frequently used as a benchmark to compare with other methods There are two examples here to demonstrate use of the Monte Carlo method in Hawanedo Hawanedo User Manual v1 0
36. he following information Card description Supplier Start and End dates Principle Annual interest rate Mortgage purpose Real estate Transactions and Set image where again a relevant image can be uploaded There is also an option to open a next investment card such as Linear Loan To do so click the logo in the lower right corner of the card as indicated by the red arrow in screen 39 Again by clicking the magnifier button as indicated by the red arrow in the right upper corner of the screen below the graph will be enlarged and you can see the detailed information about the client s annuity mortgage expenses for each individual year By clicking the line of each year you can see detailed and complete financial information for that year f oe Annuity mortgage Annuity mortgage Cardholder Jacob Thomasen Cardholder Jacob Thomasen Principal 200 000 m End date 31 12 2034 Description Annuity mortgage l Annual interest rate 6 Supplier Start date 31 12 2004 36 600 End date 31 12 2034 penea Principal a 200000 00 uae we Annual interest rate se E 6 00 A i 88 MaN UT ee h F Mortgage purpose Main residence te Real estate v Appartment for rent Transactions vA ey Set image v4 x 4 Linear Loan After completing the Have part sections Household Work Pension Other Income Expenses Assets Insurance and Liabilities you now have a com
37. l products the client can acquire 3 Just show Haves by selecting this option you can see the financial products the client already has For example if the client wishes to use their Saving account card for purchasing the selected Want you can take the card and drag it into the client life line where the selected Want is placed After doing this screen 64 will appear Hawanedo User Manual v1 0 2010 VFIMOVATOR hawa ne do A Real estate Savings account Savings plan Savings account Savings plan om Given the fact that the client already has this particular financial product the card information will already be filled out The programme presents the Want and Need situations and requests you to confirm your earlier choice regarding the Saving account card By clicking the Save button you are confirming your choice Hawanedo User Manual v1 0 2010 VFIMOVATOR Product d Savings account Cardholder Grace Thomasen Davo Current value 50 000 The WANT you choose Mercedes Bens caused a total shortage of 55 000 Interest rate 6 To cover this shortage you picked the Savings account NEED Savings account The shortage currently is 0 covered 922 000 737 600 f 553 200 Cardholder Grace Thomasen Davodoff 368 800 184 400 Savings account 0 Card description oF Curren
38. lture called a locale for unmanaged code development The information includes culture names the writing system the calendar used and formatting for dates and sort strings The Culturelnfo class provides culture specific information such as the associated language sub language country region calendar and cultural conventions This class also provides access to culture specific instances of DateTimeFormatinfo NumberFormatinfo Comparelnfo and Textinfo These objects contain the information required for culture specific operations such as casing formatting dates and numbers and comparing strings NumberFormatIinfo defines how numeric values are formatted and displayed depending on the culture i e when selecting the Russian culture Hawanedo proceeds as per these rules Hawanedo User Manual v1 0 2010 75
39. ly Retirement date 01 01 2036 Card description A Contribution pension Retirement date 01 01 2036 Expected future value on retirement Benefit indication Pay out frequency 2 Yearly Duration lt 9 Lifelong Set image 2 e Pension Cards _ a Contribution p Contribution p gt Cancel Hawanedo User Manual v1 0 2010 20 FIAOVATOR By clicking the Advanced button follow the red arrow at the bottom of the above screen additional information can be added such as pension benefit coverage duration of the partner pension orphan s pension maximum support age supplier name employer and reference number see screen 22 Here too by clicking the button magnifier as indicated by the red arrow on the right the graph will be enlarged and you can see the annual financial information breakdown By clicking the line of each year you can see detailed and complete financial information for that year Contribution pension Contribution pension Cardholder Jacob Thomasen Partner pension benefit o Benefit indication 2 500 A Coverage A V After retirement IV Before retirement Pay out frequency Yearly X wr x 01 01 2036 Retirement date Duration of partner pension A Lifelong Orphan s pension Maximum support age 2 CD Eoi Supplier Employer Reference number v4 Pension Cards Contribution p Contribution p gt Cancel 3 5
40. mme is the Need process By clicking on the Need button you will be directed to the process start Hawanedo User Manual v1 0 2010 VFIAQVATOR 5 NEED Part of the Hawanedo Process 5 1 Need Overview After knowing what your client s Haves and Wants are you can deploy the Need step of the Hawanedo programme in order to find appropriate solutions for the client s wants By clicking and selecting a particular client want see the orange brackets around the wanted car in screen 57 the Hawanado programme will provide you with an appropriate financial product that can help the client to achieve their desired want Hawanedo has the option to integrate various financial products into its system such as Loans Mortgage Investment products Stocks Deposits Savings plan Savings accounts etc For more information about this integration option please contact us info figlo com You can also manually fill out the required information regarding financial products in a card form in order to activate a client s Need card and to find out which financial instrument can provide the best possible solution for their given want The next paragraph describes the Need cards and their forms for manual activation ha wa ne do 39 44 49 54 59 64 69 74 79 B4 33 38 43 4B 53 58 63 68 73 78 Show all products Just show Need s D Just show Have s The Linear loan Mutual fund Interest
41. nual v1 0 2010 37 4 2 2 Want Card Big Expense Big expense Pian a big expense Big expense Card description Amount Frequency Start date Set image sad VFIMOVATOR The Big expense cardon the leftcan be used to plan for several large client spending possibilities By clicking the card the screen below will appear Here you can fill out Card description Amount of expenses Frequency four weekly monthly quarterley bianually annually Start date and Set image which can be used to upload relevant picture of expenses Big expense Amount 10 000 Frequency Start date 01 01 2010 FE Once 01 01 2010 w No chart s available Hawanedo User Manual v1 0 2010 38 VYFIAOQVATOR 4 2 3 Want Card Comfortable Pension E l After clicking the Comfortable pension card you can fill out the _ Comfortable pension required information about Card description Retirement date Check if your retirement meets A desired annual surplus and set image which again can be used to your expectations Comfortable pension Comfortable pension upload a relevant picture Furthermore screen 45 will appear by clicking the small graph icon as indicated by the red arrow in screen 44 which can be used to specify desired surplus Retirement date 01 01 2019 Card description 2 Comfortable pension Desired surplus Retirement date 2 01 01 2019 Surplus ty
42. o Process 5 1 Need Overview 5 2 Need Cards Descriptions 5 2 1 Need 5 2 2 Need 5 2 3 Need Loan Cards Mortgage Cards Investment Cards 26 28 30 31 32 34 36 36 37 37 38 39 40 41 42 43 44 45 50 50 51 51 52 53 FIAQVATOR Hawanedo User Manual v1 0 2010 5 2 4 2 5 3 Need Saving Cards Need Savings Plan Card Need Card Adjustment 6 DO Part of the Hawanedo Process 6 1 6 2 6 3 6 4 6 5 Do Overview Do Automatic Advice Report Financial Plan Do Get a Quote Do Get a Policy Do Send to the CRM System 7 Additional Functionalities 7 1 7 2 7 3 7 4 7 5 7 6 7 7 7 8 Overview of Functionalities Scenario Analysis Leave Feedback Get Help Access to the Clients list Advice Managment User Account for a Client Select a Language 55 57 58 65 65 66 66 66 67 68 68 68 69 70 71 72 73 74 FIAOVATOR Hawanedo User Manual v1 0 2010 FIAQVATOR Introduction Thank you for choosing Hawanedo We know that in today s competitive market place you have many choices when purchasing Financial Advice Software We appreciate your choosing our compliant client centric innovative and easy to use software and know you made the best choice It is our commitment to provide you with the best and most reliable advice software and we guarante
43. o develop customised reports for each client while taking client wishes into account 6 3 Do Finalise Advice Hawanedo Hawanedo supports multiple recommendations Finalize Advice This means that in the DO section of Hawanedo an advisor can Double click here to finalize the Hawanedo z a a proces by closing this advice Finalizing an finalise a recommendation When finalising a advice will transform your NEEDS Into g i g g HAVE s thus allowing the purchase of your recommendation the advisor and client can choose which desired WANTS NEEDS can be done Those NEEDS will be transformed into HAVES the recommendation will be closed and a new recommendation reflecting the new situation is automatically created In the DO phase when a recommendation is accepted by the client it will be closed After that the recommendation can be viewed but changes to it are no longer possible recommendations can be opened in read only mode 6 4 Do Get a Policy Get a policy In the Get a policy part the idea is to send a policy request peib s didhae send a poiat prefered party under construction i to your preferred party By choosing the get a policy option AN Hawanedo takes the selected product and sends your request Hawanedo User Manual v1 0 2010 FIAQVATOR to the selected product supplier company Consequently the company contacted can send you a matching policy 6 5 Do Send to the CRM Sys
44. only loan Linear loan Mutual fund Interest only loan 7 amp oe Hawanedo User Manual v1 0 2010 5 2 Need Cards Descriptions VYFIMVOVATOR The Need cards are divided as follows Loan Mortgage Investment and saving and Savings Plan 5 2 1 Need Loan Cards There are three different types of loans in the Need list Linear loan Interest only loan and Annuity loan In order to activate and deploy these cards the following information must be filled out in the forms Card description Start and End dates Annual interest rate and Set image that can be used to upload the logotype of the financial institution providing the financial products see screen 58 Linear loan Interest only loan Annuity loan Linear loan Interest only loan Annuity loan Product d Linear loan Annual interest rate Linear loan The WANT you choose Mercedes Bens caused a total shortage of 55 000 To cover this shortage you picked the Linear loan NEED lt The shortage currently is 0 covered Description 4 Linear loan Start date 01 01 2015 fs End date lt dd MM yyyy gt m Annual interest rate 2 10 00 A Start date 01 01 2015 Set image 2 e Pg End date Principal 55 000 Annual interest rate 10 gt Cancel Crile u alo d Hawanedo User Manual v1 0 2010 iglo 5 2 2 Need Mortgage Cards VFIAOVATOR The same
45. out the following information Card description Economic and Taxable values Purchase date Purchase price and Set image which can be used to upload also from the Internet an image to visualise the Asset wanted Asset Economic value 25 000 E iD 25000 00 01 01 2011 fis 22000 00 w No chart s available Hawanedo User Manual v1 0 2010 41 VFIMOVATOR 4 2 6 Want Card Work Life balance change Work Life balance change Check the consequences of a work life balance change Work Life balance change Card description Startdate Enddate Work change factor Desired surplus Set image lt dd MM yyyy gt The next card on the Want list is the Work Life balance change card By adding this card you are expressing a desire to make a balance change between work and lifestyle By clicking this card you can fill out the following information Card description Start and End dates Work change factor indication desired surplus and Set image with which again a relevant image can be uploaded Work Life balance change Startdate Work Life balance change Work change factor Desired surplus lt dd MM vyyyy gt Hawanedo User Manual v1 0 2010 42 VFIAOVATOR 4 2 7 Want Card Education Fa Education Plan the costs of a study plan Education Card description Amount Frequency Start date
46. page you can manage previous advices given to this dient Old advices as in previously given advices can only be opened in read only mode as in no changes can be made to previously done advices Description Current advice Number of advices 1 Creation date Modificatio 08 07 2010 Hawanedo User Manual v1 0 2010 72 ViOVATOR 7 7 User Account for a Client Another option is to create a client log in account by clicking the icon indicated by the green arrow in the above screen 80 next to the client name By clicking the icon you will be directed to the form displayed in screen 81 In the screen below you will find the user account that enables the client to log in to the Hawanado adviser and to access their own data In order to create a user account you must fill out the client s user name and email address Furthermore by clicking Save an automatic email with log in information will be sent to this particular client A user account enables a client to login to Hawanedo Advisor It provides the client with the opportunity to access his own data Click here to create a user account Username lacob Thomasen E mail address jt gmail com Cancel Hawanedo User Manual v1 0 2010 UW VYFIMOVATOR 7 8 Select a Language The last process of the Additional functionality part is Select a language If you wish to quickly change the language in the Hawanado programme
47. pe Amount Percentage Desired surplus 4 Set image 2 By clicking the graph annual line the surplus deficit of the selected year will be indicated in the edit box underneath the graph By clicking the OK button the amount is then copied into a card form r m r z z l r z r 2010 2015 2020 2025 2030 2035 2040 2045 2050 2055 Ai a Cance Hawanedo User Manual v1 0 2010 4 2 4 Want Card Real Estate r Real estate Check how to finance a nes house 9 Real estate VFIAOVATOR In the Want cards list there is also a card called Real estate that can be used to purchase a house By clicking the Real estate card you can fill out the following information Card description Purchase date Purchase price Economic value and Set image which can be used to upload the picture of the house wanted Real estate Economic value Card description Real estate Purchase date lt dd MM yyyy gt Purchase price Economic value Set image 2 lt Hawanedo User Manual v1 0 2010 40 4 2 5 Want Card Asset Asset Plan the purchase of an asset Asset Card description Economic value Taxable value Purchase date Purchase price Set image VFIMOVATOR The next card on the Want list provides the possibility to plan the purchase of an Asset By clicking the Asset card you can fill
48. plete overview of the client s financial situation In other words we have found out what a client does Have The completion status of the entire Have part in Hawanado can be seen in screen 40 The green percentage bar positioned next to the Completion status shows the completion status rate Hawanedo User Manual v1 0 2010 J VFIMAOVATOR hawa n e do eae Jacob Thomasen s dashboard Gompenonetanis ee ee ee Income Expense Balance Oy 5102s ena sient ower ater jobs report A sew ice srovan puns recoveryatrisk Other income _ Liabilities A Economy sheds more jobs than expected Total other income 13 734 07 Total liabilities 195 403 96 By wre te jobs are ana aren t D The next step in the Hawanado process is the Want part By clicking the Want button you will be directed to it which will help you to find out what a client really wants their true wishes and desires and to translate these into a clear overview of financial consequences Hawanedo User Manual v1 0 2010 35 VFIMOVATOR 4 WANT Part of the Hawanedo Process 4 1 Want Overview By starting the Want part of the Hawanado process the following screen 41 will appear As the screen appears the following elements will be displayed lifeline which will display the current year and current age of the client and their spouse as a start date and a list of possible want cards Two
49. rth 01 01 1971 Retirement date 9 01 01 2036 Gender O C Male Female E mail address 2 jt gmail com Household Cards Marital status 2 Married Formatted name 2 Jacob Thomasen Set image ey Jacob Thomasen In screen 11 you will see a form where personal client information can be added such as Social Security Number SSN address education country of residence investment risk profile personal inflation expectancy and life expectancy age In the right upper corner where the red arrow is pointed a green indicator shows the completion status of the aforementioned information Hawanedo User Manual v1 0 2010 14 VFIAOVATOR Cardholder Jacob Thomasen Date of birth 01 01 1971 39 SSN oa Gender Male eee O E mail address jt gmail com Marital status Married Postal code 2 City a Country 2 Mobile Phone 2 Education University Country of residence Russia Household Cards Investment risk profile 2 Balanced v Personal inflation expectancy 2 Life expectancy age 2 gt Cancel By clicking the picture of another family member in the right lower corner of the above screen the list of information about the selected Household card holder will open immediately 3 2 2 Have Household Regional Tax Calculation When entering a country of residence for instance Russia the automatic calculation of taxes such as income taxes and social security contri
50. t What is the extent of your awareness of your income at Retirement O None Reasonable C Good Deceased None Reasonable O Good Disability O None D Reasonable Good To what extent do you track the events in the financial markets C Never G Infrequently at least once a month C Frequently at least once a week To what level do you want to be advised if you purchase a financial product I require detailed advice s require general advice O None trust my advisor Are you familiar with any financial concepts such as life insurance annuities disability insurance T pension plans state pension etc O None O Not many Sufficient O Many Hawanedo User Manual v1 0 2010 VFIMOVATOR 3 2 4 Have Household Linked Cards After filling in and saving all the required information the overview of the household card will appear as presented in screen 9 By clicking the Linked Cards button see the red arrow in screen 14 the reverse of the card will be shown see screen 15 This is where information about the client s work assets expenses other income pension insurance and liabilities is presented For example by clicking the work button as indicated by the red arrow in the screen below the client s employment situation will appear see screen 16 F Jacob Thomasen Date of birth 01 01 1971 39 Banat E Male as Insurance E mail address EA jt gmail
51. t value interest rate gt D Set image Start date End date 01 01 2015 Monte Carlo Deposit o Frequency Monthly Target value 55 000 After analysing the Have Want and Need situations the Hawanado programme shows a green indicator see screen 65 below which means that you are able to solve the Want situation by selecting the particular Have product the client Saving account i A MM Realestate A Q oo ug 3 3 x 3 g Congratulations You ve solved this WANT already Pick another WANT to solve o Hawanedo User Manual v1 0 2010 VFIMOVATOR The next step is to find a solution how to purchase the second client Want the house By clicking that Want see the orange brackets around the Real estate card in screen 66 Hawanado will provide you with appropriate financial product s that can help the client to achieve their selected want In this instance the client again chose the financial product they already have Investment Again after analysing the situation the Hawanado programme indicates that the selected financial product is able to cover just 67 of the purchase price of the Real estate see screen 67 hawa ne do hi 33 5 43 45 53 Show all products C Just show Need s Just show Have s Q Investment Savings plan Investment Savings plan S ome z Next th
52. ted card form is then opened see screen 52 ha wa ne do Car Big expense Comfortable pension Plan to buy a new car Plan a big expense Check if your retirement meets r _ gt ee Suppose a client would like to purchase a car Take the Want card for a car and drag it to the client s life line on the desired purchase year as indicated in screen 51 below The related card form is then opened see screen 52 Hawanedo User Manual v1 0 2010 VFIMOVATOR Car Mercedes Bens CLK Card description A Mercedes Bens CLK Purchase date 01 01 2012 fsi Purchase price 60000 00 Set image pe After putting the Car card into the life line a red indicator appears see screen 53 which means that the client doesn t have sufficient financial resources to afford the car at that particular moment Before explaining the reasons why they cannot purchase the car we would like to show you how to analyse several other client Wants during the same advisory process As you can see in the screen below the client would like to know if they are able to purchase real estate Again you can drag the Real estate card into the life line as indicated in the screen below by the red arrow and fill out the required information in the card form for that particular card Hawanedo User Manual v1 0 2010 46 VFIMOVATOR ha wa ne do Real estate Check how to finance a new house
53. tem The last part is Send to the CRM system This part can be Send to CRM system used to file the CRM system to your preferred party By i this file to your prefered Microsoft choosing the Send to the CRM option the underlying CRM o aaae system is notified and it will download your selected product 75 and continue with the rest of the process Hawanedo can be closed at this point For integration with a CRM system Hawanedo supports barcodes Barcodes can be attached to a client file Consequently at the reporting stage this barcode is printed on the front page of the report This ensures client identity is easily preserved during a full round trip from an external application to Hawanedo even when the reports are emailed in the DO part back to the external application Hawanedo User Manual v1 0 2010 67 VFIMOVATOR 7 Additional functionalities 7 1 Overview of Functionalities The additional functionalities of the Hawanado programme can be found at the bottom of screen 76 circled in red These are Changing scenarios Leave feedback Get help Show all clients and Change language For a detailed description see the following sections ha wa ne do Gomplebonstanis 100 Income Expense Balance Income Expense Balance v Insurance Total pension value 2 500 Number of insurance policies 2 A Stocks end slightly lower after jobs report A Slow job grow
54. tfall and the net worth of the client s financial situation are presented by different graphs in the right upper corner of the Overview screen as indicated by the red arrow The graphs are adjustable and will automatically change once you select the needed category By clicking on the line of each year you can see detailed and complete financial information for that year The Alerts section which is right underneath the aforementioned Income Expense Balance graph can be used to provide necessary information about a client s financial situation such as the expiry date of a financial product in order to generate sales opportunities within your existing client base By clicking the icons on the Dashboard you can see the information cards about the selected item ha wa ne do Gompenan stats re ee oe Income Expense Balance A Pension Insurance me Total pension value 2 500 Number of insurance policies 1 A Stocks end slightly lower after jobs report f A Slow job growth puts recovery at risk S Other income Liabilities A Economy sheds more jobs than expected Total other income 13 734 07 Total liabilities 195 403 96 A wrere ejobs are and arent E N Hawanedo User Manual v1 0 2010 Ppr VFIAOVATOR 3 2 Have Household After clicking the Household button in the above dashboard you will be directed to the client s Household card In screen
55. th puts recovery at risk Other income a Liabilities A Economy sheds more jobs than expected Total other income 13 784 07 Total liabilities 195 403 96 A Where the jobs are and aren t EN Overview Jacob Thomasen 07 08 2010 Scenario Long life 7 2 Scenario Options _ ECONOMY sneas more joos man expected Scenano as are and aren t By clicking the Scenario button you can change scenario options for example you can switch to deceased E scenario for either the client or partner Decease partner or switch back to the default long life Overview Jacob Thomasen 07 08 2010 Scenario Lone life a lt gt scenario When selecting decease Hawanedo User Manual v1 0 2010 68 VFIAOQVATOR client or decease partner a decease date is asked for After setting this date the system forecasts the consequences of either the partner or client deceasing This entails all income and contracts owned by that person are stopped on that date Also contracts which have coverage on decease are paid out 7 3 Leave Feedback The feedback form in the below screen will appear after clicking on the paper and pen icon shown with the red circle The form can be used to leave feedback for example about What went well What can be done better To give a compliment on a feature or indicate disappointment or simply want to report a bug or do suggestions for a new feature How are we
56. tton see the red arrow on the right of this screen you can add Insurance Savings plan Annuity savings plan Term life insurance Annuity refer to screen 35 If you would like to add information about the client s Term life insurance card click the pen button of the card as indicated by the red arrow on the left of screen 34 Hawanedo User Manual v1 0 2010 30 VYFIMOVATOR ha wa ne do Term life insurance Savings plan Cardholder Jacob Thomasen Cardholder Grace Thomasen Davo Insured person Jacob Thomasen Insured person Jacob Thomasen arene Add insurance Term life coverage 150 000 Sum assured 60 000 card aa La wW 37 200 24 800 12 400 Q 62 000 49 600 0 12 400 Add card You can select the insurance type that you would like to add here i a gt M a gt A E J J J e J Savings plan Annuity savings Term life insura Annuity 3 8 1 Have Insurance Card Info Screen 36 shows the client s insurance card form In this instance Term life insurance is mentioned With this form you can select the card holder s name and fill in the following information Card description Number of insured persons Insured person Duration Start and End dates of insurance Premium Frequency End date premium payment Term life coverage Sum assured of death and Set image which again can be used to upload a relevant image The right upper graph on the card in
57. viding the financial products After clicking the Next button the following part of the form will appear which can be used to fill out the remaining fields such as Start and End dates Deposit Frequency and Target value see screens 60 and 60a below and to complete a Monte Carlo analysis as outlined in paragraph 3 7 2 Investment Mutual fund Stocks Investment Fiut aii Apel Stocks Product d Calculation Investment Current value Mutual fund Interest rate The WANT you choose Big expense caused a total shortage of 27 342 To Dividend rate cover this shortage you picked the Investment NEED Growth rate The shortage currently is 0 covered Card description A Investment Current value Interest rate Start date 01 01 2011 End date 01 01 2019 Growth rate Set image eo rs Dividend rate 2 eT YD a Deposit 0 Frequency Monthly Target value 27 342 gt Cancel Salculaor Hawanedo User Manual v1 0 2010 53 VFIMVOVATOR Product d Calculation Investment Current value Mutual fund ae The WANT you choose Big expense caused a total shortage of 27 342 To Dividend rate this shorta icked the Investment NEED cover this s ge you pic e G mi The shortage currently is 0 covered Start date 01 01 2011 is End date 01 01 2019 fis Percentage Se oo Beak 185 48 amp
58. you can do so by clicking the languages icon circled in red in the screen below 83 The list of available languages will then appear and you can choose your desired programme language Please note that when you change a language only the programme language will change The tax calculations will remain as they were when previously selected for a particular card holder refer to section 3 2 2 for more details Jacob Thomasen s dashboard EN A i TENENS German Spanish Romanian Polish Turkish a Pension Insurance Ka Total pension value 2 500 Number of insurance policies 2 English South Afri Other income Liabilities M Afrikaans South A Total other income 13 734 07 Total liabilities 195 403 56 a d Russian Overview Jacob Thomasen 07 08 2010 Scenario Long life Hawanedo is available in a wide range of languages including English Dutch German Thai Chinese Traditional Russian Turkish Spanish Romanian Polish Japanese South African and Ukrainian etc When choosing a language not only are all texts changed throughout the application but the Date and Currency are also formatted according to the language selected i e culture Hawanedo User Manual v1 0 2010 P FIAQVATOR The number format follows the culture and language settings you select This is based on Microsoft s implementation of Culturelnfo Culturelnfo provides information about a specific cu

Hawanedo User Manual

Contents

Download Pdf Manuals

Related Search

Related Contents