--- title: "OK Modelácia for Broker Consulting – investment modelling and client proposals" description: "OK Modelácia is Broker Consulting's internal web app where financial advisers record clients, model investment portfolios from investment matrices and generate PDF proposals for their clients." canonical: "https://interfase.sk/en/case-studies/broker-consulting/bcas" lang: "en" --- # OK Modelácia for Broker Consulting – investment modelling and client proposals > OK Modelácia is Broker Consulting's internal web app where financial advisers record clients, model investment portfolios from investment matrices and generate PDF proposals for their clients. - Client: Broker Consulting - Year: 2026 - Services: Web App, SaaS, UI/UX Design ## Investment modelling across an adviser network – from spreadsheets to one internal system Broker Consulting is part of OK Group, one of the largest personal-finance intermediaries in Czechia and Slovakia. It has operated in Slovakia since 2006 through a network of OK POINT branches and hundreds of financial advisers. Until then, investments were modelled by hand and in spreadsheets. The company wanted one internal system where an adviser records a client, models a portfolio from the current fund catalogue and hands over a proposal in a consistent form — ready to print or email. ## Requirements for the application – rules, calculations, document and integrations A tool advisers open in front of a client has to calculate precisely, follow internal rules and work reliably alongside the company's other systems. - **Compliance and flexibility**: A junior adviser must never combine funds on their own — the system finds and locks the right matrix. A senior adviser builds a portfolio by hand, and the system flags when its risk doesn't match the client's profile. - **Accurate calculations**: A fast estimate while the form is edited and the binding calculation on save must agree — including fee regimes and entry-fee discounts. - **A PDF true to the template**: The client had an exact reference design for the document — colours, spacing and wording. The generated PDF had to reproduce it faithfully, charts included. - **Connected to company systems**: Single sign-on with the company account, client lookup in the BCAS portal and meeting records sent to an external system — even when a service is slow or down. ## Principle The application applies the internal investment rules itself, according to the adviser's role and the client's risk profile. - **Automatic matrix selection**: For the recommended BCAS solution, the system selects a predefined matrix from the risk profile, amount and term, and locks it — no manual override. - **Permissions by role**: Only senior advisers and above can build a custom portfolio. Roles and permissions set exactly what each user may do. - **Complete history**: Every edit to a modelation and every generated PDF stays in the history. It is always clear what was presented to the client and when. ## Client records – details, modelations and lookup in the BCAS portal The adviser records the client's personal, contact and address details and sees all of their modelations. Clients can be looked up directly in the BCAS portal, so nothing has to be retyped. - Client list with search and filters - The number of modelations for each client - Sign-in only with the company account, no separate passwords ## Setting up a modelation – goal, risk profile, amounts and term A modelation starts with the client, the goal and the risk profile. Then come the choice of solution, the fee regime, the regular and one-off investment and the term in years. Pre-contract documents and supporting materials can be attached to the proposal, along with the percentage by which the client could raise the regular investment. ## The adviser's work in the application – from the client to the meeting record All of the adviser's work around a meeting happens in one app. 1. **Client** – Recorded or looked up in the BCAS portal. 2. **Goal and profile** – Goal, risk profile, amounts and term. 3. **Solution** – The recommended BCAS matrix or a custom portfolio. 4. **Calculation** – Growth, scenarios and fees. 5. **PDF proposal** – A document for the client, saved as a version. 6. **Record** – The meeting record sent to the compliance system. ## Portfolio composition – the recommended BCAS matrix or a custom fund selection With the recommended BCAS solution, the portfolio is a given investment matrix that the system selects and locks. With a custom solution, an experienced adviser builds the portfolio from the fund catalogue with their own weights and amounts. For every instrument they see its type, weight, SRI risk indicator, entry fee, TER, expected and historical return, and a link to the instrument's information. - A check that the portfolio's average risk matches the client's profile - Minimum investment amounts for each fund - Entry-fee discounts per instrument ## Investment calculation – three scenarios and a fee breakdown After the calculation the adviser sees the expected growth chart, the asset allocation, the pessimistic, expected and optimistic outcome, and a fee breakdown — entry, custody and management, exit, and fees after the first year. The fee calculation handles standard and ongoing regimes and discounts across funds. If a fund has no standard regime, the system applies the ongoing one and says so. The fast estimate during edits and the exact calculation on save give the same result. ## The PDF proposal for the client – to the reference template, with saved versions One click produces a PDF that follows the client's reference design: investment details, an instrument table, the growth chart, the allocation, scenarios and a summary with fees and portfolio risk. The second page shows how much more the client could have by raising the regular investment, plus a visual of their life journey towards their goals. Every generated version is saved with the modelation. ## Investment modelling in one application – consistent proposals with a complete history OK Modelácia replaced manual modelling in spreadsheets. Advisers use it to record clients, model portfolios within the company's rules and hand clients proposals in a consistent form — with a complete history of what was presented and when. ### What we delivered - Internal application for financial advisers - Single sign-on with the company account and role-based permissions - Investment matrices and fund catalogue - Scenario and fee calculation - PDF proposals to the company template - Connection to the BCAS portal and the compliance system --- Web version: https://interfase.sk/en/case-studies/broker-consulting/bcas llms.txt: https://interfase.sk/llms.txt