For financial planners & buyer's advocates · Trial by invitation

Every client's financial position, in one dashboard

Calm Sea's advocate portal brings your clients' net worth, debt, equity and serviceability into one client book, flags households that cross the limits you set, and lets you open any plan as the client sees it.

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Your advocate

Dashboard

What needs your attention across your practice this week

All clientsInvite client
Active clients
42
+3 this month
Open alerts
5
3 critical · see below
Pending invites
6
1 expired · resend
Reviews due
9
Not updated in 90+ days

Borrowing risk across clients

Each dot is a household. Top right is over both of your alert limits.

Over both limitsOver one limitWithin limits
Debt-to-income (total debt ÷ gross income) →↑ Repayments ÷ income

1 household over both limits, 1 over debt-to-income only, 10 within limits.

Usable equity by client

Property value at 80% LTV, minus what's owed. A guide to who could fund a deposit on their next purchase.

Total across clients$4.40M
  • Sample household G$1.68M0% LTV
  • Sample household A$970k40% LTV
  • Sample household M$500k44% LTV
  • Sample household D$400k55% LTV
  • Sample household K$380k45% LTV
  • Sample household J$280k58% LTV
  • Sample household B$134k71% LTV
  • Sample household F$60k73% LTV
LTV = current loan-to-value. Values from each client's own plan.See all clients

Needs attention

5 open alerts · clears on its own when the client's plan is back within the limit

Manage alert rules
  • Sample household BCriticalNew
    High debt-to-income · 6.8× against a limit of 6.0×Triggered 2 days ago · after a new investment loan
  • Sample household BCriticalNew
    Repayment stress · 41% against a limit of 35%Triggered 2 days ago
  • Sample household FCriticalNew
    High debt-to-income · 6.3× against a limit of 6.0×Triggered 6 days ago
  • Sample household DWarningNew
    Thin emergency fund · 2.1 months against a limit of 3 monthsTriggered yesterday · cash moved to offset
  • Sample household GWarningNew
    Retirement off track · 64% against a limit of 70%Triggered 9 days ago · weekly digest

Reviews due

See all 9
  • Sample household BPlan updated 5 months ago
  • Sample household FPlan updated 4 months ago
  • Sample household JPlan updated 4 months ago
  • Sample household KPlan updated 3 months ago

Client seats

Advocate plan48 of 75
42 active · 6 invited. Invites hold a seat until they expire.Manage users

Recent client activity

HouseholdWhat changedWhenAction
Sample household DMoved $18,000 from savings to their mortgage offsetYesterday
Sample household CAccepted your invite and shared their plan (view + edit)2 days ago
Sample household BAdded an investment loan of $342,0002 days ago
Sample household GChanged your access from can edit to view only1 week agoManage
Sample household EInvite expired without being accepted2 days agoResend invite

Click around a sample client book, then switch to View as client to see a plan the way your client does. Your portal carries your own logo and web address. Every household is sample data, and nothing you change is saved.

Built for planners and advocates

Spend less time chasing numbers and more time with clients

Your clients keep their plans up to date in Calm Sea. You see the whole book, catch problems early and walk into every meeting with current figures.

View as client

Open any client's plan exactly as they see it

Step into a household's Calm Sea plan from your client list: net worth, projections, loans and cash flow. Serviceability measures sit alongside, visible only to you.

  • Read-only by default
  • Switch to co-edit to update a plan together.
  • Keep private notes against each household.

Serviceability · Sample household B

  • Debt-to-income

    Guideline ≤ 6.0×

    6.8×Above guideline

  • Debt service ratio

    Guideline ≤ 35%

    41%Above guideline

  • Loan-to-value

    Guideline ≤ 80%

    71%Within

  • Emergency fund

    Guideline ≥ 3 months

    3.4 monthsClose to limit

Printable client report

Hand clients a one-page summary of where they stand

Print a financial position summary for any household, with your practice's name and details at the top and your notes and disclaimer below.

  • Net worth, assets, liabilities and income in one table.
  • Each serviceability measure against its guideline.
  • Your notes, written in the portal, printed with the report.

Financial position summary

  • Net worth

    $612,400Summary

  • Total assets

    $1.73M4 assets

  • Total liabilities

    $1.12M4 loans

  • Your notes

    Written in the portal

    Included

Serviceability alerts

Know when a client crosses a limit you set

Set rules on the measures that matter to your practice. When a client's plan crosses one, they appear in your alerts and on the dashboard.

  • Debt-to-income, debt service ratio, loan-to-value, emergency fund, savings rate and more.
  • Apply a rule to every client or to a group, such as clients with a mortgage or pre-retirees.
  • Get notified in-app or by email, straight away or as a daily or weekly digest.

Rules

  • High debt-to-income

    Rises above 6.0× · all clients

    Critical

  • Repayment stress

    Debt service ratio above 35%

    Critical

  • Thin emergency fund

    Falls below 3 months

    Warning

  • Retirement off track

    Goal probability below 70% · 55+

    Warning

Users and invites

Invite clients and staff in a few clicks

Add clients one at a time or from a CSV, and give your advocates, planners and support staff access to the households they look after.

  • Clients approve your access when they accept, and can withdraw it in their settings.
  • Choose whether each client can view or also edit their plan.
  • Roles for clients, advocates and admins who manage users, defaults and billing.

Your practice

  • Sample household A

    Client · view + edit

    Active

  • Sample household C

    Client · invited

    Pending

  • Your support staff

    Advocate · read-only

    Active

  • You

    Admin

    Active

Org default settings

Start every client on your practice's assumptions

Set the tax region, inflation, investment returns, property growth, retirement age and more once. New clients start with them.

  • Lock a setting so clients can't change it, or leave it as a starting point.
  • Push updated defaults to existing clients when your house view changes.
  • Pick how many Monte Carlo runs projections use.

Planning assumptions

  • Inflation rate

    2.5% a yearLocked

  • Investment return

    6.5% a yearClient can edit

  • Property growth

    4.0% a yearClient can edit

  • Retirement age

    65Locked

How the trial works

  1. 01

    Book a call

    Tell us about your practice and we'll find a time to walk you through the portal.

  2. 02

    We set up your trial

    We create your practice account and set your org defaults with you.

  3. 03

    Invite your clients

    Invite a few households, or import a list, and see your whole book in one place.

Frequently asked questions

What is the Calm Sea advocate portal?
It's a dashboard for financial planners and buyer's advocates whose clients plan in Calm Sea. It brings every household's net worth, debt and serviceability into one client book, flags clients who cross limits you set, and lets you open any plan as the client sees it.
How do I get a trial account?
Book a call using the form on this page. We'll walk you through the portal, set up your practice account and help you invite your first clients.
Do clients need to link their bank accounts?
No. Calm Sea works from the numbers clients, or you, enter. There's no bank linking and no credentials to share.
Is the dashboard on this page real?
It's a working preview of the advocate dashboard filled with sample households. You can acknowledge alerts and follow links into the features below, and nothing you do is saved.

Book a call to start your trial

Tell us a little about your practice. We'll arrange a call to show you the portal and set you up with a trial account.

  • A walkthrough of the dashboard with your questions answered
  • Your practice account and org defaults set up with you
  • Help inviting your first clients

We only use your details to arrange the call. See our privacy policy.