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For advisors

Known limitations for advisors

Being upfront about the current rough edges.

Perfingo Guide 2 min read

Short answer

A few things work differently than you might expect as an advisor: View only fields don't look disabled, a removed seat can show a generic error first, and you don't get the money report.

Your MAS Representative Number is also not checked against the MAS Register. This page lists each one.

What are the current limitations?

  • Modelling on View only doesn’t visually disable fields. Rely on the banner and footer, not how a field looks. See Working in a client’s plan.
  • No “discard changes?” warning when leaving a View-only what-if session. Changes are silently, and correctly, dropped.
  • A removed seat can briefly surface as a generic error on a few screens before the app catches up and returns you to the client list.
  • Deleting a holding removes its trades and set-asides in separate steps. If access is revoked mid-delete, part may land. The app names exactly what happened and refreshes.
  • You can’t author a client from scratch in the app, or assign a client between advisors. A client reaches your list by sharing their plan, or through the Perfingo admin team. By design.
  • The phone client summary never shows the financial-freedom age. Showing it would mean a fresh calculation just to open a summary. See On your phone.
  • The MAS Representative Number you declare is not verified. Activation checks only that it’s the right shape (letters and digits, 3 to 20 characters), never against the MAS Register. Operators spot-check and can revoke access by hand.
  • You can’t change a household’s net-worth setting, even to explain it. Whether home, mortgage and CPF count is the client’s to set, and both switches (“Count home & mortgage” and “Count CPF”) start off. You get no controls at any level.
  • Your advisor subscription can only be bought on the web. There is no in-app purchase on iPad, so an inactive subscription found there has to be fixed in a browser.
  • You don’t get the money report. Households generate a written monthly report and share cards from their own numbers. Acting for a client, you get no entry point at all, not a disabled one. See the money report guide.

Keep reading

For advisors Working in a client's plan How an advisor works inside a client's Perfingo plan: the banner and footer, live modelling on View only, replan notes, and what happens when access changes. For advisors Access levels View only, Can edit plan or Full access: what each level lets an advisor read, edit and record in a client's plan, and the separate cashflow switch. For advisors Your client list What each signal on an advisor's Perfingo client list means: access badge, setup progress, cashflow line and last update, plus the phone version and search.

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