B3 Wealth
Company Suite
Build. Balance. Beyond.
FSC Mauritius · DPA 2017

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Adviser-only. Use the credentials you set on your Supabase user.
Command Centre
B3 Wealth — Client & business overview ·
Clients by Category
Revenue by Tier
Top Priority — Action Required Now
Priority Matrix
Clients ranked by urgency × revenue potential
HIGH REVENUE →
LOW URGENCY
HIGH URGENCY ★

Nurture — High Value, Stable

Priority Focus — Act Now

Monitor — Low Value, Stable

Urgent — At Risk

LOW REVENUE
LOW REVENUE
All Clients
Complete client roster
Revenue View
AUM and fee analysis by client and tier
Revenue by Client — Ranked
ClientCategoryPlan Tier Monthly FeeAnnual Revenue Net WorthHealth ScoreStatus
Client Lifecycle
Track every client through onboarding, planning, review, and retention stages
Complaints & Feedback
All client feedback and concerns — review, respond, close the loop · FSC complaint handling
Open complaints — action required
Recent feedback — NPS + key themes
Log new complaint or feedback
All entries — complaint register
RefClientTypeCategorySubjectSeverityStatusDateAction
FSC complaint handling requirements
Acknowledge every formal complaint within 5 business days in writing.
Resolve every complaint within 30 calendar days of receipt.
Escalation path — if the client is unsatisfied with your resolution, they may refer to the FSC at [email protected].
Record keeping — all complaints must be retained for a minimum of 5 years per FSC regulations.
Annual reporting — complaints summary must be included in your annual FSC regulatory return.
Cash Position
Live company cash — operating account · FSC reserve · Salary drawn · Update monthly
Operating account
FSC capital reserve
The FSC reserve is not operating capital. It must remain untouched. Keep it in a separate MCB or SBM short-term deposit account earning interest.
Cash runway analysis
Income concentration risk
P&L — Current Year
Live from client data · Update actual costs monthly ·
Revenue — pulled from client data
Actual costs — enter monthly
Full P&L statement — year to date
Line itemYTD actualFull year forecastVariance
Weekly time efficiency (adviser hours)
Balance Sheet
Company assets, liabilities and equity — update quarterly · As at
Assets
Current assets
Non-current assets
Liabilities & Equity
Current liabilities
Equity
Balance sheet — formatted statement
Line itemAmount (Rs)Notes
Accounting equation check
Financial Model
B3 Wealth — Year 1 P&L · Setup costs · Break-even analysis · All figures editable
Revenue — Year 1 actuals / forecast
Costs — editable line items
P&L summary — calculated live
LineAmount (Rs)Notes
Break-even — clients needed at each tier
TierMonthly feeMonthly operating costClients to break even
Day 1 cash requirement
Actual vs Forecast
Track real performance against your financial plan — update actuals monthly
Forecast (5-year plan) — editable
Year Forecast Revenue (Rs) Forecast Costs (Rs) Forecast Clients
Actuals — update as each year closes
Year Actual Revenue (Rs) Actual Costs (Rs) Actual Clients
Variance analysis — actual vs forecast
Year Forecast revenueActual revenueRevenue variance Forecast costsActual costsCost variance Net position
Revenue — forecast vs actual (5 years)
5-Year Roadmap
B3 Wealth strategic plan 2025–2030 · Review quarterly
Security & Authentication
Supabase security architecture · Client auth flows · Password management
Encryption at rest
AES-256
All stored data
In-transit
TLS 1.3
All connections
Passwords
bcrypt
One-way hash
2FA
TOTP
Mandatory all accounts
Data isolation
RLS
Row Level Security
Standard login flow
Forgotten password — automated
Password change — client initiated
Security layers — what Supabase provides
What is never stored in the database
The following data is never transmitted to any database or API. It lives only as encrypted file uploads in the document vault:
Your adviser account privileges
Your Company Suite account carries role: adviser in the database. Row Level Security policies grant you read access to all client rows — no client account can ever acquire this privilege. 2FA is mandatory. Session timeout: 60 minutes. If a client loses their phone, you reset their 2FA from this panel after verifying identity by call.
AML / KYC Register
Source of Wealth · Source of Funds · PQ renewal tracking · Transaction monitoring · FATF 2027 ready
Client due diligence status — Source of Wealth & Source of Funds
FSC requires ongoing due diligence. PQ (Personal Questionnaire) is valid for 2 years under the KTC framework. SoW and SoF must be reverified when: (a) transaction threshold of Rs 500,000 is exceeded in any 30-day period, (b) significant change in client's source of income, or (c) 24 months since last verification — whichever comes first.
Client Tier Source of Wealth Source of Funds SoW/SoF verified PQ Date PQ Expires Risk rating Status
Log new SoW/SoF verification
Transaction monitoring alerts
Flag any client transaction that meets reporting thresholds. Under FIAMLA, transactions exceeding Rs 500,000 in a single transaction or Rs 1,000,000 cumulative in 30 days must be reviewed. Suspicious transactions must be reported to the FIU (Financial Intelligence Unit).
Verification audit log — all entries
Date Client SoW SoF Docs sighted Risk PQ Expires
No verifications logged yet. Use the form above to record your first client due diligence entry.
Mauritius AML/CFT regulatory framework — adviser reference
FIAMLA thresholds
Single transaction: Rs 500,000+ — must be reviewed and documented.
30-day cumulative: Rs 1,000,000+ — enhanced monitoring.
Cash transactions: Any amount — must be documented.
FSC KTC framework
Personal Questionnaire (PQ): valid for 2 years.
Beneficial ownership: verify and re-verify for all corporate clients.
PEP screening: screen all new clients and re-screen annually.
Record retention (FSC)
Client records: 7 years minimum.
Transaction records: 7 years minimum.
STR (Suspicious Transaction Reports): retain indefinitely.
FATF 2027 evaluation — proactive documentation is your defence.
FSC Compliance Report
One-click regulatory report · Complaints register · DPA 2017 log · Client health summary · AML/KYC status
Report configuration
Configure the reporting period above and click Generate full report
The report will aggregate data from your Complaints Register, DPA logs, AML/KYC records, and client health scores into a single document ready for FSC submission.
Payments Board
Anniversary-based billing · Ageing dashboard · Joining fees · Portal access control
MRA Calendar
Cross-client view of all MRA returns — VAT, income tax, NSF/CSG, PAYE, withholding, AEOI/CRS. Sorted by due date. Drill into any row to update the per-client filing record.
Filings list
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Reference — MRA filing types & deadlines
VAT — quarterly (turnover < Rs 10M) or monthly (Rs 10M+). Due 20 days after period end.
Income tax — annual — individuals: 30 Sep. Companies: 6 months after year-end.
CSG (Contribution Sociale Généralisée) — monthly. Due end of month following.
NSF / NPF — monthly. Due end of month following.
PAYE — monthly. Due 20 days after month-end. Annual EOTR by 15 Aug.
EDF (Employer Declaration) — annual, by 15 August.
Withholding tax 5% — at payment time + monthly summary.
AEOI / CRS — annual, by 31 July. (Banks/financial institutions with reporting obligations.)
Penalties: most filings carry a flat Rs 5,000 + 1.5% interest per month from due date. Late VAT: Rs 5,000 + 1% per day for the first 7 days, then 1% per month.
Yield Optimiser
Local bank rates · BoM T-bills · Fixed deposit ladder · Client cash alerts · Yield gap analysis
Current market rates — update when rates change (verify at MCB, SBM, ABSA, BoM websites)
Savings accounts (%)
Fixed deposits — 12 months (%)
Bank of Mauritius instruments (%)
Other instruments (%)
Client cash position — yield gap alerts
Clients with cash holdings in low-yield accounts are flagged automatically. Threshold: cash in savings account below 1.5% when better alternatives exist above 3.5%. Minimum cash amount to flag: Rs 50,000. Update each client's cash position below.
Client Cash held (Rs) Current account/product Current rate Best available rate Annual gain if switched (Rs) Alert
Update client cash positions
Fixed deposit ladder calculator — maximise yield while maintaining liquidity
A FD ladder splits cash across multiple term deposits maturing at different dates. This provides regular liquidity while earning significantly more than a savings account. Example: split Rs 1,200,000 into four Rs 300,000 FDs maturing at 3, 6, 9, and 12 months.
Enter cash amount and click Calculate to see the ladder structure.

Settings — Notifications

Control which notifications appear in your bell. Events are still logged in the audit trail when toggled off — only the surfacing is suppressed.
Master switch
When disabled, the bell shows nothing. Events still write to the database for FSC/DPA compliance — toggling back on restores the dot/badge for new events.
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