The advice workflow, one client from meeting to sign-off.
Follow one client through six steps. At each step AdviseWell adapts to the way your firm works: your templates, your file note format, your assumptions, your checks and your Salesforce setup. Select a marker or a figure to see where it came from.
Margaret Chen is a synthetic client. The meeting, names and figures are made up. The scenario is set in May 2026 and uses 2025-26 rules. Nothing on this page is financial advice.
1The meeting
Sam Patel meets Margaret in person and records on a tablet. AdviseWell writes the transcript and names each speaker. Calls on Zoom, Meet and Teams are captured the same way.
- Client
- Margaret Chen, 61
- Adviser
- Sam Patel
- Meeting
- Discovery, in person
- Date
- 12 May 2026, 48 minutes
An extract. Lines with a green edge feed the file note.
2The file note
Drafted from the transcript in the Comprehensive file note layout. Each statement carries a small number. Select it to jump to the line it came from.
Sam edits the note, then saves the facts to Margaret's client record. The draft reads from the record, not from memory.
Your format. The layout is set per firm. Use ours, or your own headings in your own order.
- Meeting type
- Discovery meeting
- Attendees
- Sam Patel (adviser) and Margaret Chen (client), in person
- Related to
- Margaret Chen
- Date
- 12 May 2026
Reason for Meeting and Client Needs
Margaret met Sam to plan for retirement. She is an employee on $98,000 a year and wants a date to aim for. Her goals:
- Stop work at 65.(4)
- Help her daughter Emily with a house deposit, about $50,000 within two years.(5)
Discussion Summary
Margaret said she enjoys her work and does not want to rush. Her mother's estate has settled, which left her with more cash than she has held before. She was uneasy about market falls and said she slept badly in 2020.(3)
Financial Position and Matters Covered
Superannuation
Margaret advised her last statement showed about $498,000 in super. Sam is to confirm this against the fund statement.(1)
Cash
About $135,000 sits in her offset account, from her mother's estate.(2)
Investments
Margaret said a balanced level of risk is fine and that she wants nothing too risky.(3)
Advice Explained and Options Discussed
Sam said he would look at putting some of the cash into super before 30 June, and at what that would mean for Emily.(6) No amount was agreed.
Agreed Scope of Advice
- Included: super contributions and the retirement date.
- Excluded: insurance, estate planning and Emily's home loan.
- Deferred: help for Emily, until the contribution has been modelled.(6)
Client Decisions, Instructions and Consents
- AgreedPlan to stop work at 65.(4)
- AgreedBalanced risk profile.(3)
- Leaning towardsA gift of about $50,000 to Emily.(5)
- DeferredThe size of any super contribution, until it is modelled.(6)
Next Steps
Adviser
- Model a contribution to super before 30 June.(6)
- Confirm the super balance against the fund statement.(1)
Client
- Send Sam her latest fund statement.(1)
3The numbers
Figures come from built-in calculators, not from the AI model. Every assumption is on the page, and the firm sets the defaults, so the working uses your assumptions.
Contribution caps
Can Margaret put $120,000 into super this year as a non-concessional contribution?
- Financial year
- 2025-26
- Annual cap
- $120,000
- Total super balance
- $486,000 at 30 June 2025
- Balance now
- $498,000, fund statement
- Bring-forward
- Not used
- Cash available
- $135,000, fact find
- Result
- $120,000 is within the cap
Retirement projection
Balance from now to 65 after the contribution, with inflation taken out.
- Start balance
- $618,000 after the contribution
- Net return
- 6.0% a year, firm assumption
- Inflation
- 2.5% a year
- Super guarantee
- 12% of $98,000, less 15% tax
- Balance at 65
- $748,900 after inflation
Illustrative figures for a synthetic client. Returns are not guaranteed. AdviseWell has 51 Australian calculators across tax, super, Age Pension, retirement and cashflow. See the modelling suite.
4The draft
The draft uses the firm's template and approved wording. Select a marker or a highlighted figure to see its source.
- Numbered markers go back to what the client said.
- Highlighted figures open a calculator and its assumptions.
- Locked wording stays word for word.
“I’ve reviewed the statement of advice output, and it looks great… excellent work.”
An adviser at a customer firm, on a draft for their own client
Margaret Chen, 61
Scope of this advice
This advice covers your super contributions and your retirement date. It does not cover insurance, estate planning or Emily's home loan.
What you told us
You want to stop work at 65 and help Emily with a house deposit(4). You hold about $135,000 in cash(2), and you are comfortable with a balanced level of risk(3).
Our recommendation
Contribute $120,000 to your super fund as a non-concessional contribution before 30 June 2026. Keep the rest in your offset account. At 65 your projected super balance is $748,900 after inflation.
Risks
Money in super cannot be withdrawn until you meet a condition of release, such as retiring after 60. Returns go up and down.
I'd like to stop at sixty-five. And if we can, help Emily with a deposit.
- Speaker
- Margaret Chen
- Meeting
- Discovery, in person
There's about a hundred and thirty-five thousand in the offset account since Mum's estate settled.
- Client record
- Cash $135,000, confirmed by the adviser
Nothing too risky. Balanced is fine.
- Risk profile
- Balanced, questionnaire signed 12 May
- Cap used
- Non-concessional, FY2025-26
- Total super balance
- $486,000 at 30 Jun 2025
- Bring-forward
- Not used
- Cash available
- $135,000 (fact find)
- Start balance
- $618,000 after the contribution
- Net return
- 6.0% a year (firm assumption)
- Inflation
- 2.5% a year
- Super guarantee
- 12% of $98,000, less 15% tax
Margaret named two goals. After the contribution, $15,000 of cash is left, and Emily may need about $50,000 within two years. Add the reason this suits her, or change the amount. The adviser decides.
5The checks
Before sign-off, AdviseWell checks the draft against your firm's rules and ASIC guidance such as RG 175 and RG 244. You choose which checks run. These are the ones it ran on this draft. They flag issues. The adviser decides what to change.
6Sign-off and export
The adviser reads the whole document and signs off. AdviseWell keeps every version and records who changed what.
Facts and tasks sync to Salesforce, set up to match your Salesforce.
Version history
- File note created from the meeting
- Sam edited the file note and saved facts to the record
- Draft 2 generated from the record and calculators
- Checks run: 4 pass, 1 flag
- Draft 3: Sam changed the contribution and added a reason
- No flags on draft 3. Approved by Sam Patel
Advice
Prepared for
Margaret Chen
Statement of Advice
Super contributions and your retirement date
Authorised Representative
About this sample.
Is Margaret Chen a real client?
Will my statements of advice look like this?
Can I try this on my own case?
