Sample Appointment Flow Using Edge Planner - Lifestyle Planning (Existing Client)
Here’s a real-world appointment flow using the Edge Smart Advisory Platform — designed to help advisors deliver value, uncover shortfalls, and open up meaningful planning conversations with existing clients.
🧩 Step 1: Rapport & Review (5–10 mins)
Start with light rapport and a quick check-in. Then transition into reviewing the client’s Existing Portfolio Summary — walking them through what they currently own and what each coverage means.
💡 Use this moment to ask:
“Is there anything here you have questions on before I share with you something cool?”
🔄 Step 2: Transition to Edge Planner — Seamlessly
Now comes the turning point — where you move from a static portfolio review to an interactive, visual planning experience. You can pre-set the client’s profile ahead of time, since you likely already have their sum assured and income details on hand.
“Now, let me show you how your portfolio react under different financial events, such as critical illness or retirement planning. This can help you to have more clarity of your portfolio.
Even if some info is missing, use friendly assumptions to build the model:
“Let’s assume a retirement age of 65 — or do you’ve any other figure in mind? And monthly expenses of $2,000, does that sound about right?”
📊 Step 3: Enter the Chart — Make It Real
Now, the Edge Planner visual interface comes to life.
“Here’s how your projected income and coverage amount, assuming a modest 3% income growth rate.”
Shift gears into a more interactive, focused conversation:
“So under this planner over here, we can play out a few scenarios to see how the portfolio can react to it. And now, a quick question — make a guess which age group do you think sees the most critical illness claims?”
(Answer: 51–55. A great opener for what’s next.)
⚠️ Step 4: Run a Scenario — CI Impact & Coverage Gap
“Let’s simulate a critical illness event around age 50 to see the financial impact. We’ll stop income for 3 years, then assume a 40% income reduction after recovery due to possible work limitations.”
Immediately, the chart updates to reflect the financial strain. Then you zoom in:
“With this drop, you’d be looking at a projected income loss of around $380,000 with reduced income of almost $840,000. Right now, your critical illness coverage is $200,000 — it might be worth a review, especially since you’re still in your key insurance years (like early 30s) where premiums are most cost-efficient.”
🎯 Step 5: Pivot to Personal Goals — Make It Aspirational
“I hope that scenario gave you some perspective. Now, are there any personal or family goals you’re working toward that we can model together? This planner can break down what you’ll need to set aside to stay on track with your goals”
Let’s say the client says, “Education planning.”
“Great! Your child will be 20 when you’re 55. University fees now are about $80K including living expenses which will turned to $141k when factored in inflation. To reach that, if you save only in a bank, you’d need to put aside $511/month.”
Start a brief conversation around how saving this amount in the bank would require a significant monthly commitment — then naturally transition into exploring how investing could offer a more efficient path forward.
“Since your time horizon before the education bills kick in is still far, investing could be a smarter way to grow the funds — more time means more potential returns, and the risks can even out over the years.
With an assumed average return of 7%, that monthly amount drops significantly to $207/month — making it easier to reach the goal with less stress.”
✅ Recap
This sample appointment demonstrates how Edge:
Transforms passive reviews into dynamic simulations
Helps clients “see the risk” instead of just hearing about it
Naturally opens the door to planning for protection and goals
Whether it’s CI, retirement, education, or income planning — the Edge Planner turns your conversation into a strategic visual story.
📌 Want more flows or scenario ideas?
Explore the advisory resources library or schedule a 1:1 walkthrough to sharpen your storytelling with the platform.
