{ "metadata": { "name": "ContextFA Client Data", "version": "2.0", "generated": "2026-09-06", "type": "client_profiling", "total_symptoms": 22, "total_diagnoses": 8, "total_solutions": 9, "total_barriers": 6, "total_closing_actions": 6, "total_review_triggers": 6 }, "SY": { "SY-000001": { "ko_code": "SY-000001", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Little money remains at month-end", "definition": "Client has little or no money left at the end of each month", "description": "Client reports minimal surplus at the end of each month" }, "observable_symptom": { "observable_statement": "Little money remains at month-end", "domain": "Cashflow", "severity_relevance": "MODERATE", "signals": ["month-end shortfall", "no surplus", "tight budget"] } }, "SY-000002": { "ko_code": "SY-000002", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Regular shortfall before next income", "definition": "Client runs out of money before next payday", "description": "Client cannot make it to the next income without borrowing" }, "observable_symptom": { "observable_statement": "Regular shortfall before next income", "domain": "Cashflow", "severity_relevance": "HIGH", "signals": ["running out early", "borrowing to bridge", "payday anxiety"] } }, "SY-000003": { "ko_code": "SY-000003", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Frequent transfers between accounts", "definition": "Client regularly moves money between accounts", "description": "Client shuffles funds to cover obligations" }, "observable_symptom": { "observable_statement": "Frequent transfers between accounts", "domain": "Cashflow", "severity_relevance": "MODERATE", "signals": ["account shuffling", "funds moving", "covering gaps"] } }, "SY-000004": { "ko_code": "SY-000004", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Reliance on next pay cycle", "definition": "Client depends on next pay to meet obligations", "description": "Current expenses are routinely dependent on the next expected income" }, "observable_symptom": { "observable_statement": "Reliance on next pay cycle", "domain": "Cashflow", "severity_relevance": "HIGH", "signals": ["payday dependency", "waiting for salary", "no buffer"] } }, "SY-000005": { "ko_code": "SY-000005", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Income depends heavily on one source", "definition": "Client relies on a single income source", "description": "A large proportion of income comes from one employer, client, or source" }, "observable_symptom": { "observable_statement": "Income depends heavily on one source", "domain": "Income", "severity_relevance": "HIGH", "signals": ["single income", "one job", "no diversification"] } }, "SY-000006": { "ko_code": "SY-000006", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Income is irregular", "definition": "Client's income fluctuates", "description": "Income varies materially between periods" }, "observable_symptom": { "observable_statement": "Income is irregular", "domain": "Income", "severity_relevance": "HIGH", "signals": ["variable income", "fluctuating earnings", "unpredictable pay"] } }, "SY-000007": { "ko_code": "SY-000007", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Income is commission-based", "definition": "Client's income depends on performance", "description": "A material portion of income depends on sales, commissions, or performance" }, "observable_symptom": { "observable_statement": "Income is commission-based", "domain": "Income", "severity_relevance": "MODERATE", "signals": ["commission income", "performance pay", "variable income"] } }, "SY-000008": { "ko_code": "SY-000008", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Income depends on continued employment", "definition": "Client's income stops if employment ends", "description": "Income would materially reduce or stop if the client could no longer work" }, "observable_symptom": { "observable_statement": "Income depends on continued employment", "domain": "Income", "severity_relevance": "HIGH", "signals": ["job dependency", "employment reliance", "no backup"] } }, "SY-000009": { "ko_code": "SY-000009", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Employment is uncertain", "definition": "Client's job security is unclear", "description": "The client reports uncertainty about continued employment" }, "observable_symptom": { "observable_statement": "Employment is uncertain", "domain": "Career", "severity_relevance": "HIGH", "signals": ["job uncertainty", "insecurity", "possible layoff"] } }, "SY-000010": { "ko_code": "SY-000010", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Career transition is underway", "definition": "Client is changing careers", "description": "The client is changing occupation, employer, profession, or career direction" }, "observable_symptom": { "observable_statement": "Career transition is underway", "domain": "Career", "severity_relevance": "HIGH", "signals": ["career change", "job transition", "professional pivot"] } }, "SY-000011": { "ko_code": "SY-000011", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Skills may require updating", "definition": "Client's skills may be outdated", "description": "The client identifies a need to acquire or update skills to remain competitive" }, "observable_symptom": { "observable_statement": "Skills may require updating", "domain": "Career", "severity_relevance": "MODERATE", "signals": ["skill gap", "need training", "outdated skills"] } }, "SY-000012": { "ko_code": "SY-000012", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Client is considering leaving employment", "definition": "Client wants to leave their job", "description": "The client is actively considering resignation, early retirement, or another transition" }, "observable_symptom": { "observable_statement": "Client is considering leaving employment", "domain": "Career", "severity_relevance": "HIGH", "signals": ["considering resignation", "job exit", "career change"] } }, "SY-000013": { "ko_code": "SY-000013", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Family expenses are increasing", "definition": "Client's family costs are growing", "description": "Household or extended-family financial requirements have increased" }, "observable_symptom": { "observable_statement": "Family expenses are increasing", "domain": "Family", "severity_relevance": "MODERATE", "signals": ["family costs", "rising expenses", "household spending"] } }, "SY-000014": { "ko_code": "SY-000014", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Client supports extended family", "definition": "Client supports relatives outside household", "description": "The client provides recurring financial assistance to relatives outside the immediate household" }, "observable_symptom": { "observable_statement": "Client supports extended family", "domain": "Family", "severity_relevance": "MODERATE", "signals": ["extended family support", "remittances", "family assistance"] } }, "SY-000015": { "ko_code": "SY-000015", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Family members depend on one income", "definition": "Single income supports the family", "description": "A significant household obligation is supported primarily by one income source" }, "observable_symptom": { "observable_statement": "Family members depend on one income", "domain": "Family", "severity_relevance": "HIGH", "signals": ["single income family", "one breadwinner", "family dependency"] } }, "SY-000016": { "ko_code": "SY-000016", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Family financial priorities conflict", "definition": "Family members disagree on money", "description": "Household members have materially different financial priorities" }, "observable_symptom": { "observable_statement": "Family financial priorities conflict", "domain": "Family", "severity_relevance": "HIGH", "signals": ["family disagreement", "priority conflict", "financial tension"] } }, "SY-000017": { "ko_code": "SY-000017", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Debt repayments consume large income share", "definition": "Client's debt payments are high", "description": "Regular debt servicing represents a significant portion of available income" }, "observable_symptom": { "observable_statement": "Debt repayments consume large income share", "domain": "Debt", "severity_relevance": "HIGH", "signals": ["high debt payments", "loan burden", "repayment stress"] } }, "SY-000018": { "ko_code": "SY-000018", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Multiple debts are outstanding", "definition": "Client has several debts", "description": "The client has several active borrowing arrangements" }, "observable_symptom": { "observable_statement": "Multiple debts are outstanding", "domain": "Debt", "severity_relevance": "HIGH", "signals": ["multiple loans", "various debts", "debt consolidation need"] } }, "SY-000019": { "ko_code": "SY-000019", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Emergency funds are limited", "definition": "Client lacks emergency savings", "description": "Available emergency reserves are limited relative to identified obligations" }, "observable_symptom": { "observable_statement": "Emergency funds are limited", "domain": "Liquidity", "severity_relevance": "HIGH", "signals": ["no emergency fund", "low savings", "no buffer"] } }, "SY-000020": { "ko_code": "SY-000020", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Cannot access savings easily", "definition": "Client's savings are locked", "description": "Funds described as savings are not readily accessible when required" }, "observable_symptom": { "observable_statement": "Cannot access savings easily", "domain": "Liquidity", "severity_relevance": "MODERATE", "signals": ["locked savings", "inaccessible funds", "illiquid assets"] } }, "SY-000021": { "ko_code": "SY-000021", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Retirement is approaching", "definition": "Client is near retirement age", "description": "The client expects retirement within a foreseeable period" }, "observable_symptom": { "observable_statement": "Retirement is approaching", "domain": "Retirement", "severity_relevance": "HIGH", "signals": ["near retirement", "retirement soon", "ending career"] } }, "SY-000022": { "ko_code": "SY-000022", "ko_type": "observable_symptom", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Retirement income is unclear", "definition": "Client doesn't know retirement income sources", "description": "The client cannot clearly identify expected retirement income sources" }, "observable_symptom": { "observable_statement": "Retirement income is unclear", "domain": "Retirement", "severity_relevance": "HIGH", "signals": ["retirement uncertainty", "income unknown", "pension confusion"] } } }, "DT": { "DT-000001": { "ko_code": "DT-000001", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Cashflow Fragility", "definition": "Insufficient cashflow to meet obligations", "description": "The client's income and expense structure creates persistent cashflow pressure" }, "diagnosis_type": { "scope": "Cashflow", "diagnostic_criteria": [ "Income less than essential expenses", "No savings buffer", "Reliance on borrowing" ], "required_evidence": [ "Monthly income statement", "Monthly expense breakdown", "Savings history" ], "exclusions": ["Seasonal cashflow variation", "One-time large expense"] } }, "DT-000002": { "ko_code": "DT-000002", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Income Concentration", "definition": "Over-reliance on a single income source", "description": "The client's financial security depends heavily on one income source" }, "diagnosis_type": { "scope": "Income", "diagnostic_criteria": [ "Single income source > 80% of total", "No secondary income", "Employment-dependent" ], "required_evidence": [ "Income source breakdown", "Employment type", "Income diversification" ], "exclusions": ["Temporary employment", "Entrepreneur with multiple clients"] } }, "DT-000003": { "ko_code": "DT-000003", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Debt Pressure", "definition": "Excessive debt servicing burden", "description": "Debt repayments consume a disproportionate share of income" }, "diagnosis_type": { "scope": "Debt", "diagnostic_criteria": [ "Debt repayments > 40% of income", "Multiple active debts", "Borrowing for essentials" ], "required_evidence": [ "Complete debt schedule", "Monthly repayment amounts", "Debt purpose" ], "exclusions": ["Productive debt", "Short-term borrowing"] } }, "DT-000004": { "ko_code": "DT-000004", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Liquidity Deficiency", "definition": "Inadequate emergency funds", "description": "The client lacks sufficient accessible reserves for unexpected needs" }, "diagnosis_type": { "scope": "Liquidity", "diagnostic_criteria": [ "Emergency reserves < 3 months expenses", "No accessible savings", "Asset-rich but cash-poor" ], "required_evidence": [ "Emergency fund balance", "Monthly essential expenses", "Accessible assets" ], "exclusions": ["High-income with strong cashflow"] } }, "DT-000005": { "ko_code": "DT-000005", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Protection Gap", "definition": "Insufficient financial protection", "description": "The client lacks adequate protection against financial shocks" }, "diagnosis_type": { "scope": "Protection", "diagnostic_criteria": [ "No income protection", "Family depends on income", "Protection not reviewed" ], "required_evidence": [ "Existing protection policies", "Dependency count", "Review history" ], "exclusions": ["Already adequately protected", "No dependants"] } }, "DT-000006": { "ko_code": "DT-000006", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Dependency Exposure", "definition": "High dependency burden", "description": "The client supports multiple dependants without adequate planning" }, "diagnosis_type": { "scope": "Dependency", "diagnostic_criteria": [ "Multiple dependants", "Support exceeds capacity", "No dependency plan" ], "required_evidence": [ "Dependant count", "Support amounts", "Dependency duration" ], "exclusions": ["Temporary dependency", "Adequately planned"] } }, "DT-000007": { "ko_code": "DT-000007", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Decision Paralysis", "definition": "Inability to make financial decisions", "description": "The client struggles to commit to financial decisions" }, "diagnosis_type": { "scope": "Decision", "diagnostic_criteria": [ "Delayed decisions", "Information overload", "Fear of wrong choice" ], "required_evidence": [ "Decision history", "Confidence assessment", "Support availability" ], "exclusions": ["Normal caution", "Temporary uncertainty"] } }, "DT-000009": { "ko_code": "DT-000009", "ko_type": "diagnosis_type", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Retirement Readiness Gap", "definition": "Insufficient retirement planning", "description": "The client has not adequately prepared for retirement" }, "diagnosis_type": { "scope": "Retirement", "diagnostic_criteria": [ "Retirement savings below target", "No retirement income strategy", "Retirement date unclear" ], "required_evidence": [ "Retirement savings balance", "Projected retirement expenses", "Expected retirement income" ], "exclusions": ["Not yet approaching retirement", "Adequately planned"] } } }, "SC": { "SC-000001": { "ko_code": "SC-000001", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Emergency Fund Building", "definition": "Building emergency savings", "description": "Creating a financial buffer for unexpected expenses" }, "solution_category": { "category": "Liquidity", "purpose": "Build emergency reserves", "addresses": ["Liquidity Deficiency", "Cashflow Fragility"], "conditions_for_use": ["Income sufficient for essentials", "Some savings capacity"] } }, "SC-000002": { "ko_code": "SC-000002", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Cashflow Stabilization", "definition": "Stabilizing cashflow", "description": "Creating a stable income and expense pattern" }, "solution_category": { "category": "Cashflow", "purpose": "Stabilize income and expenses", "addresses": ["Cashflow Fragility", "Income Concentration"], "conditions_for_use": ["Irregular income", "Variable expenses"] } }, "SC-000009": { "ko_code": "SC-000009", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Debt Consolidation", "definition": "Consolidating debts", "description": "Combining multiple debts into one manageable payment" }, "solution_category": { "category": "Debt", "purpose": "Reduce debt burden", "addresses": ["Debt Pressure"], "conditions_for_use": ["Multiple debts", "High interest rates"] } }, "SC-000017": { "ko_code": "SC-000017", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Life Assurance", "definition": "Life insurance", "description": "Protection for dependants in case of death" }, "solution_category": { "category": "Protection", "purpose": "Protect dependants", "addresses": ["Protection Gap", "Dependency Exposure"], "conditions_for_use": ["Dependants", "Insufficient protection"] } }, "SC-000018": { "ko_code": "SC-000018", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Income Protection", "definition": "Income protection insurance", "description": "Protection against loss of income due to illness or injury" }, "solution_category": { "category": "Protection", "purpose": "Protect income", "addresses": ["Protection Gap", "Income Concentration"], "conditions_for_use": ["Income dependent client", "No sick pay"] } }, "SC-000025": { "ko_code": "SC-000025", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Education Savings Plan", "definition": "Saving for education", "description": "Planning and saving for children's education" }, "solution_category": { "category": "Education", "purpose": "Fund education", "addresses": ["Future Funding Gap"], "conditions_for_use": ["Children", "Education timeline"] } }, "SC-000033": { "ko_code": "SC-000033", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Retirement Savings", "definition": "Retirement savings", "description": "Building resources for retirement" }, "solution_category": { "category": "Retirement", "purpose": "Build retirement resources", "addresses": ["Retirement Readiness Gap"], "conditions_for_use": ["Approaching retirement", "Low savings"] } }, "SC-000041": { "ko_code": "SC-000041", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Investment Strategy", "definition": "Investment planning", "description": "Developing a strategy for investment growth" }, "solution_category": { "category": "Investment", "purpose": "Grow wealth", "addresses": ["Retirement Readiness Gap", "Cashflow Fragility"], "conditions_for_use": ["Investment capacity", "Long-term horizon"] } }, "SC-000049": { "ko_code": "SC-000049", "ko_type": "solution_category", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Business Finance Planning", "definition": "Business finance", "description": "Managing business finances and personal-business separation" }, "solution_category": { "category": "Business", "purpose": "Optimize business finances", "addresses": ["Cashflow Fragility", "Income Concentration"], "conditions_for_use": ["Business owner", "Mixed finances"] } } }, "DB": { "DB-000001": { "ko_code": "DB-000001", "ko_type": "decision_barrier", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Insufficient Understanding", "definition": "Client doesn't understand the situation or solution", "description": "The client lacks sufficient understanding to make an informed decision" }, "decision_barrier": { "barrier": "Insufficient Understanding", "observable_signals": ["Confusion", "Repeated questions", "Asking for explanation"], "possible_causes": ["Complex products", "Jargon", "Information overload"], "resolution_actions": ["Simplify explanation", "Use examples", "Provide written summary"], "false_assumptions": ["Client is not interested"] } }, "DB-000002": { "ko_code": "DB-000002", "ko_type": "decision_barrier", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Affordability Concern", "definition": "Client worries about the cost", "description": "The client is concerned about the affordability of the recommended solution" }, "decision_barrier": { "barrier": "Affordability Concern", "observable_signals": ["Cost questions", "Budget concerns", "Asking about payment"], "possible_causes": ["Income constraints", "Competing priorities", "Unseen value"], "resolution_actions": ["Cost-benefit analysis", "Payment options", "Value demonstration"], "false_assumptions": ["Cannot afford"] } }, "DB-000003": { "ko_code": "DB-000003", "ko_type": "decision_barrier", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Competing Priorities", "definition": "Other priorities take precedence", "description": "The client has other financial priorities that compete for resources" }, "decision_barrier": { "barrier": "Competing Priorities", "observable_signals": ["Other commitments", "Divided attention", "Priority conflict"], "possible_causes": ["Multiple goals", "Family obligations", "Life events"], "resolution_actions": ["Priority ranking", "Goal alignment", "Phased approach"], "false_assumptions": ["Priority is fixed"] } }, "DB-000004": { "ko_code": "DB-000004", "ko_type": "decision_barrier", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Lack of Trust", "definition": "Client doesn't trust the recommendation or provider", "description": "The client lacks trust in the recommendation, advisor, or provider" }, "decision_barrier": { "barrier": "Lack of Trust", "observable_signals": ["Skepticism", "Previous negative experience", "Asking for references"], "possible_causes": ["Bad experiences", "Media coverage", "Lack of transparency"], "resolution_actions": ["Build rapport", "Third-party validation", "Credentials sharing"], "false_assumptions": ["Trust issue is personal"] } }, "DB-000005": { "ko_code": "DB-000005", "ko_type": "decision_barrier", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Family Involvement Needed", "definition": "Family needs to be involved in the decision", "description": "The client needs family participation before making a decision" }, "decision_barrier": { "barrier": "Family Involvement Needed", "observable_signals": ["Spouse reference", "Family questions", "Needs consultation"], "possible_causes": ["Joint finances", "Family dynamics", "Cultural expectations"], "resolution_actions": ["Schedule family meeting", "Provide family-friendly materials", "Joint presentation"], "false_assumptions": ["Client can decide alone"] } }, "DB-000006": { "ko_code": "DB-000006", "ko_type": "decision_barrier", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Timing Uncertainty", "definition": "Uncertain about the right time to act", "description": "The client is uncertain about when to implement the decision" }, "decision_barrier": { "barrier": "Timing Uncertainty", "observable_signals": ["Timing questions", "When questions", "Procrastination"], "possible_causes": ["Life transitions", "Uncertainty", "Fear of commitment"], "resolution_actions": ["Timeline creation", "Milestone setting", "Urgency communication"], "false_assumptions": ["Later is always better"] } } }, "CL": { "CL-000001": { "ko_code": "CL-000001", "ko_type": "closing_action", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Schedule Implementation", "definition": "Schedule implementation", "description": "Set a date to begin implementing the recommendation" }, "closing_action": { "action": "Schedule Implementation", "prerequisites": ["Decision confirmed", "Affordability confirmed"], "appropriate_when": ["Client ready to act", "Solution available"], "inappropriate_when": ["Client still uncertain", "Barriers unresolved"] } }, "CL-000002": { "ko_code": "CL-000002", "ko_type": "closing_action", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Submit Application", "definition": "Submit application", "description": "Complete and submit the application for the solution" }, "closing_action": { "action": "Submit Application", "prerequisites": ["Documentation complete", "Application approved"], "appropriate_when": ["All requirements met", "Client consent"], "inappropriate_when": ["Information incomplete", "Client doubts"] } }, "CL-000003": { "ko_code": "CL-000003", "ko_type": "closing_action", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Complete Documentation", "definition": "Complete paperwork", "description": "Complete all required documentation" }, "closing_action": { "action": "Complete Documentation", "prerequisites": ["All information gathered", "Forms available"], "appropriate_when": ["Information ready", "Client available"], "inappropriate_when": ["Missing information", "Client not ready"] } }, "CL-000008": { "ko_code": "CL-000008", "ko_type": "closing_action", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Schedule Review", "definition": "Schedule review meeting", "description": "Set a date for a review meeting" }, "closing_action": { "action": "Schedule Review", "prerequisites": ["Implementation started", "Timeline set"], "appropriate_when": ["Ongoing relationship", "Monitoring needed"], "inappropriate_when": ["One-time transaction", "No follow-up needed"] } }, "CL-000014": { "ko_code": "CL-000014", "ko_type": "closing_action", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Request Referral", "definition": "Ask for referral", "description": "Request referral to other clients or professionals" }, "closing_action": { "action": "Request Referral", "prerequisites": ["Client satisfied", "Trust established"], "appropriate_when": ["Positive experience", "Network opportunities"], "inappropriate_when": ["Client uncertain", "Early relationship"] } }, "CL-000015": { "ko_code": "CL-000015", "ko_type": "closing_action", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Schedule Follow-up", "definition": "Follow-up meeting", "description": "Schedule a follow-up meeting to check progress" }, "closing_action": { "action": "Schedule Follow-up", "prerequisites": ["Implementation started", "Contact details"], "appropriate_when": ["Progress tracking", "Ongoing relationship"], "inappropriate_when": ["No action taken", "Client not ready"] } } }, "RV": { "RV-000001": { "ko_code": "RV-000001", "ko_type": "review_trigger", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "New Employment", "definition": "Client changes job or employer", "description": "A change in employment that could affect financial circumstances" }, "review_trigger": { "trigger_event": "New Employment", "affected_domains": ["Income", "Career", "Protection"], "required_reassessment": ["Income review", "Protection review", "Benefits review"], "urgency": "HIGH", "recommended_timing": "Within 1 month of change" } }, "RV-000003": { "ko_code": "RV-000003", "ko_type": "review_trigger", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Marriage", "definition": "Client gets married", "description": "A marriage that changes household composition and finances" }, "review_trigger": { "trigger_event": "Marriage", "affected_domains": ["Family", "Income", "Goals"], "required_reassessment": ["Income review", "Goal review", "Protection review"], "urgency": "HIGH", "recommended_timing": "Within 2 months of marriage" } }, "RV-000004": { "ko_code": "RV-000004", "ko_type": "review_trigger", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "New Child", "definition": "Client has a baby", "description": "A new child that changes financial obligations and protection needs" }, "review_trigger": { "trigger_event": "New Child", "affected_domains": ["Family", "Protection", "Dependency"], "required_reassessment": ["Protection review", "Dependency review", "Goal review"], "urgency": "HIGH", "recommended_timing": "Within 3 months of birth" } }, "RV-000005": { "ko_code": "RV-000005", "ko_type": "review_trigger", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Divorce", "definition": "Client gets divorced", "description": "A divorce that changes household composition and finances" }, "review_trigger": { "trigger_event": "Divorce", "affected_domains": ["Family", "Assets", "Income", "Goals"], "required_reassessment": ["Asset review", "Income review", "Goal review"], "urgency": "HIGH", "recommended_timing": "Within 2 months of divorce" } }, "RV-000007": { "ko_code": "RV-000007", "ko_type": "review_trigger", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "New Debt", "definition": "Client takes on significant debt", "description": "Taking on a major debt that affects cashflow and financial position" }, "review_trigger": { "trigger_event": "New Debt", "affected_domains": ["Debt", "Cashflow", "Liquidity"], "required_reassessment": ["Debt review", "Cashflow review", "Affordability review"], "urgency": "HIGH", "recommended_timing": "Immediately" } }, "RV-000011": { "ko_code": "RV-000011", "ko_type": "review_trigger", "object_version": "1.0", "status": "ACTIVE", "identity": { "name": "Approaching Retirement", "definition": "Client is near retirement age", "description": "Approaching retirement that requires review of retirement readiness" }, "review_trigger": { "trigger_event": "Approaching Retirement", "affected_domains": ["Retirement", "Investment", "Protection"], "required_reassessment": ["Retirement readiness", "Income strategy", "Protection review"], "urgency": "HIGH", "recommended_timing": "5 years before retirement" } } } }