OVB Financial Advisor Suite

Authentication

Use demo accounts: admin@ovb.local/admin123 or lara@ovb.local/advisor123.

Client Context

Active household

Household: Müller Family
Advisor: Lara Schmidt
Status: Preparation

Session Summary

Key metrics from the latest run

Net Wage €3,420

Pension Gap €680 / mo

Net Worth €92,000

Wage Tax Calculator (Lohnsteuer 2025)

Estimate net wage, taxes, and social contributions.

API: /api/calculation/wage-tax

Gross Annual Salary (€) Tax Class Church Tax Rate Number of Children Health Insurance Contribution Rate Childless (nursing care surcharge) Employer Private Insurance Subsidy (€) Old Age Relief Amount (€) Salary Conversion (€) Located in East Germany Located in Saxony

Pension Gap (Versorgungslücke)

Identify net/gross retirement income shortfall.

API: /api/calculation/pension-gap

Current Net Income Monthly (€) Desired Net Income in Retirement (€) Projected Retirement Income (€) Tax & Social Security Rate (e.g., 0.25) Years to Retirement (optional) Expected Return (optional, e.g., 0.05) Life Expectancy in Retirement (optional)

Basisrente (Rürup) Forecast

Estimate tax savings and retirement pension for Rürup contributions.

API: /api/calculation/basisrente-forecast

Marital Status Employment Type Annual Gross Income (€) Taxable Income (€) Date of Birth Target Retirement Age Monthly Contribution (€) Assumed Annual Return Rate Pension Factor (per 10,000€) Max Deductible Limit (Single) Max Deductible Limit (Married) Statutory Pension Contribution Rate Marginal Tax Rate Life Expectancy in Retirement (years)

Asset & Liability Overview

Aggregate household net worth with type and owner breakdowns.

API: /api/calculation/asset-liability

Budget Planning (Haushaltsplan)

Track household cashflow and savings rate.

API: /api/calculation/budget-planning

Income Items (JSON array) Expense Items (JSON array) Period

Income Protection (Arbeitskraftsicherung)

Estimate coverage gap and recommended sum insured.

API: /api/calculation/income-protection

Current Monthly Gross Income (€) Current Monthly Net Income (€) Annual Income Growth Rate Years Until Retirement Target Replacement Ratio Existing Coverage Monthly Benefit (€) Desired Coverage Monthly Benefit (optional)

Child Provision (Kindervorsorge)

Project future value of child savings plans.

API: /api/calculation/child-provision

Monthly Contribution (€) Years to Maturity Expected Annual Return Rate One-time Investment (€) Initial Capital (€) Annual Fee Rate Target Capital (€)

Back Office Console

Manage advisors, households, clients, and compliance data.

Live CRUD APIs

Create Household

Create Client

Household ID Advisor ID First Name Last Name Date of Birth Marital Status Email Consent Given

Advisor Workspace