Critical evaluation of this prototype from an SJP adviser perspective. Honest gaps that would need resolving before production use.
Critical — must fix before client use
P1 · ComplianceNo regulatory disclosures
FCA-regulated reports require past performance warnings, risk warnings, "not financial advice" statements, adviser FCA number and firm details. Cannot be shown to clients without these.
P1 · Data integrityRisk metrics are random estimates
Volatility, Sharpe, Sortino, max drawdown and all sub-period chart data are generated with Math.random(). They look real but are fabricated. Presenting these to a client is a compliance liability.
P1 · Data entryNo data import — full manual entry
Every value must be typed manually. An adviser with 10 clients would spend 3+ hours on data entry per review cycle. Needs CSV import or connection to Bluedoor / Salesforce.
P1 · BenchmarksPreset benchmark returns are fictional
FTSE All-Share 9.2%, MSCI World 13.1% etc. are plausible but made up. Quoting a false benchmark return to a client is a misleading statement under COBS rules.
High priority improvements
✓ DoneNo save / load state
Implemented — localStorage auto-save, JSON export/import, and session restore on reload.
P2 · Product modelProducts too simplified
Real SJP products have policy numbers, surrender vs investment values, OCF figures, adviser charge deductions and contribution histories. The current flat structure can't represent any of this.
✓ ImprovedReport not optimised for tablets
Tables now horizontally scrollable on mobile; secondary columns hidden on small screens; headline card responsive. Full tablet-specific layout remains a production task.
✓ DoneNo guided first-use flow
Implemented — first-launch onboarding overlay with four-step guide. Dismissable with "don't show again" option.
Nice to have
P3 · BrandingSJP brand alignment
The parchment aesthetic is distinctive but not aligned with SJP's corporate identity. Would need the SJP logo, approved colour palette and brand-compliant typography.
✓ DoneNamed report templates
Implemented — six named templates in the config panel (Annual review, Pension review, Goals focus, Estate & legacy, Summary only, Full detail).
✓ DoneGoals-based view
Implemented — full goals-based planning section with per-goal progress, projection charts, and reasons tracking.
✓ DoneForward-looking scenarios
Implemented — goal projection charts with uncertainty cone (±2% return range), term bands, and monthly contribution calculator.
Demo experience — adviser critique
What works: The household model maps well to real SJP client structures. Loading the demo and generating a polished report in under 30 seconds is the strongest part. Collapsible sections and toggles give genuine control. The multi-benchmark comparison table is useful. The product checklist is fast once understood.
What doesn't work: Scrolling through all 32 products to tick a few is slow — a search or category filter is needed. The config panel is off-screen on smaller laptops. No visual feedback when values change. On mobile, "Generate report" is hidden until you switch to Config tab, which isn't obvious without instruction.
Biggest demo gap: Because all data is fictional, an adviser can't demonstrate this with real client numbers without typing everything in from scratch — too slow for a quick demo. A JSON import ("load my data") would fix this immediately and dramatically improve the demo experience.