Financial Advisors AI Prompts

Create a formal Investment Policy Statement (IPS) for client [Client Name].

Client information:
- Client name: [name]
- Account type: [individual/joint/trust/retirement]
- Total investable assets: [$amount]
- Time horizon: [years]
- Risk tolerance: [conservative/moderate/aggressive]
- Tax status: [taxable/tax deferred/tax exempt]

Investment Policy Statement sections:

1. PURPOSE AND SCOPE
2. INVESTMENT OBJECTIVES
   - Primary objective
   - Return target: [%] annually
   - Income requirement: [$amount/year]
3. RISK PARAMETERS
   - Maximum acceptable loss in any year: [%]
   - Risk tolerance classification
4. ASSET ALLOCATION POLICY
   - Target allocation with ranges:
     Stocks: [%] (range [%-% ])
     Bonds: [%] (range [%-% ])
     Cash: [%] (range [%-% ])
     Alternative: [%] (range [%-% ])
5. INVESTMENT SELECTION CRITERIA
   - Security selection guidelines
   - Prohibited investments
6. REBALANCING POLICY
   - Rebalancing trigger: drift of [%]
   - Rebalancing frequency
7. PERFORMANCE BENCHMARKS
   - Benchmark indexes
   - Review frequency
8. RESPONSIBILITIES
   - Advisor responsibilities
   - Client responsibilities
9. REVIEW AND AMENDMENT PROCESS

Format as formal legal-style document
Date and signature lines at end

Create a Social Security claiming strategy analysis for client [Client Name].

Client details:
- Date of birth: [date]
- Spouse date of birth: [date] (if applicable)
- Marital status: [single/married/divorced/widowed]
- Health status: [good/fair/poor]
- Full retirement age: [66/67]
- Estimated benefit at 62: [$amount/month]
- Estimated benefit at FRA: [$amount/month]
- Estimated benefit at 70: [$amount/month]
- Spouse benefit if applicable: [$amount]
- Other retirement income: [$amount]

Analysis should include:
1. CLAIMING AGE OPTIONS
   - Age 62 — early claiming
   - Full retirement age
   - Age 70 — maximum benefit
2. BREAK EVEN ANALYSIS
   - When delayed claiming pays off
3. SPOUSAL BENEFIT STRATEGIES
   - Coordinating with spouse
   - Survivor benefit considerations
4. TAX IMPLICATIONS
   - How Social Security is taxed
   - Impact on Medicare premiums
5. RECOMMENDATION
   - Optimal claiming strategy
   - Reasoning based on their situation
6. SCENARIOS COMPARISON TABLE

Format as professional analysis document

Write a warm and professional welcome letter for new financial advisory client [Client Name].

Client details:
- Name: [full name]
- Services engaged: [investment management/financial planning/both]
- Initial meeting date: [date]
- Advisor name: [name]
- Firm name: [firm]

Welcome letter should include:
1. Warm personal welcome
2. Confirmation of services they have engaged
3. What they can expect in the first 90 days:
   - Discovery meeting
   - Financial plan delivery
   - Account setup
   - First review meeting
4. How to reach you and your team
5. Client portal access instructions
6. Documents needed from them
7. Your investment philosophy briefly
8. Your commitment to their success
9. Next steps and timeline

Tone: Warm, professional, and reassuring
Length: 300-400 words
Sign off: Personal and genuine

Write a year end tax planning strategy letter for client [Client Name] for tax year [year].

Client tax situation:
- Filing status: [Single/MFJ/MFS/HOH]
- Estimated AGI: [$amount]
- Tax bracket: [%]
- State: [state]
- Major income events this year: [list]
- Capital gains/losses: [$amount]
- Retirement account contributions YTD: [$amount]

Letter should cover:
1. CURRENT TAX SITUATION SUMMARY
2. KEY DEADLINES BEFORE YEAR END
3. TAX REDUCTION STRATEGIES
   - Maximize retirement contributions
     401k limit: $23,500 / IRA limit: $7,000
   - Tax loss harvesting opportunities
   - Charitable contribution strategies
   - HSA contributions if eligible
   - Roth conversion consideration
4. ESTIMATED TAX LIABILITY
   - Federal estimate
   - State estimate
   - Quarterly payment reminder
5. ACTION ITEMS WITH DEADLINES
6. ITEMS TO GATHER FOR TAX FILING

Tone: Professional and proactive
Length: 400-500 words

Create a comprehensive estate planning checklist for client [Client Name] with estate valued at approximately [$amount].

Family situation:
- Marital status: [single/married/divorced/widowed]
- Children: [number and ages]
- Special needs dependents: [Yes/No]
- Business ownership: [Yes/No]

Estate planning checklist:

FOUNDATION DOCUMENTS
- Will — drafted and signed
- Durable power of attorney
- Healthcare proxy/Medical power of attorney
- Living will/Advance directive
- HIPAA authorization

TRUST PLANNING
- Revocable living trust consideration
- Irrevocable trust if estate tax concern
- Special needs trust if applicable
- Trust funding status

BENEFICIARY DESIGNATIONS
- Life insurance beneficiaries current
- Retirement account beneficiaries current
- Bank account TOD designations
- Investment account TOD designations

TAX PLANNING
- Federal estate tax exposure
- State estate tax exposure
- Gift tax annual exclusion strategy
- Charitable giving strategy

BUSINESS SUCCESSION (if applicable)
- Buy sell agreement
- Business valuation
- Succession plan documented

DOCUMENT STORAGE
- Documents location known to family
- Digital asset inventory
- Attorney contact information

Format as actionable checklist with completion status

Create a comprehensive risk tolerance questionnaire for new financial advisory clients.

Questionnaire sections:

1. INVESTMENT EXPERIENCE
   - Years investing
   - Types of investments owned
   - Knowledge level self assessment

2. TIME HORIZON
   - When will you need this money?
   - What is this money for?
   - Flexibility of timeline

3. FINANCIAL SITUATION
   - Income stability
   - Emergency fund status
   - Other assets outside this account
   - Debt situation

4. LOSS TOLERANCE
   - How would you react to a 10% loss?
   - How would you react to a 20% loss?
   - How would you react to a 30% loss?
   - Historical reaction to market drops

5. RETURN EXPECTATIONS
   - Expected annual return
   - Understanding of risk/return tradeoff

6. BEHAVIORAL QUESTIONS
   - Scenario based questions
   - Past behavior during market volatility

Create 20-25 questions total
Use multiple choice format
Include scoring guide at end
Result categories: Conservative/Moderately Conservative/Moderate/Moderately Aggressive/Aggressive

Create a comprehensive annual financial review meeting agenda for client [Client Name].

Meeting details:
- Client: [name]
- Meeting date: [date]
- Duration: [60/90] minutes
- Advisor: [name]
- Meeting format: [in person/virtual]

Life changes to address:
- [List any known changes: job, marriage, children, inheritance]

Agenda:

1. WELCOME AND RELATIONSHIP CHECK (5 min)
   - Personal updates
   - Any major life changes

2. FINANCIAL HEALTH OVERVIEW (15 min)
   - Net worth update
   - Cash flow review
   - Emergency fund status

3. INVESTMENT PORTFOLIO REVIEW (20 min)
   - Performance review
   - Asset allocation check
   - Rebalancing discussion

4. GOAL PROGRESS REVIEW (15 min)
   - Retirement savings on track?
   - Education funding
   - Other goals

5. PLANNING UPDATES (10 min)
   - Tax planning opportunities
   - Insurance review
   - Estate planning updates

6. MARKET OUTLOOK (5 min)
   - Current conditions
   - Impact on plan

7. ACTION ITEMS AND NEXT STEPS (10 min)
   - Advisor action items
   - Client action items
   - Next meeting date

Include talking points for each section

Create a retirement planning projection for client [Client Name].

Client details:
- Current age: [age]
- Planned retirement age: [age]
- Current retirement savings: [$amount]
- Monthly contribution: [$amount]
- Expected return: [%]
- Current income: [$amount]
- Desired retirement income: [$amount/year]
- Social Security estimate: [$amount/month at age 67]
- Pension if applicable: [$amount/month]

Projection should include:
1. RETIREMENT INCOME GOAL
   - Monthly income needed
   - Inflation adjusted amount
2. INCOME SOURCES IN RETIREMENT
   - Social Security
   - Pension
   - Investment withdrawals
   - Part time work
3. SAVINGS PROJECTION
   - Projected balance at retirement
   - Gap analysis
4. WITHDRAWAL STRATEGY
   - Safe withdrawal rate
   - Account order of withdrawals
   - RMD considerations
5. SCENARIOS
   - Base case
   - Early retirement scenario
   - Market downturn scenario
6. RECOMMENDATIONS
   - Increase savings by [$amount]
   - Adjust asset allocation
   - Consider Roth conversion

Format as professional retirement analysis

Write a comprehensive investment portfolio review for client [Client Name].

Portfolio details:
- Total value: [$amount]
- Review period: [quarter/year]
- Risk profile: [conservative/moderate/aggressive]
- Time horizon: [years to retirement]
- Primary goal: [growth/income/preservation]

Current allocation:
- Stocks: [%]
- Bonds: [%]
- Cash: [%]
- Alternative investments: [%]

Review should include:
1. PORTFOLIO PERFORMANCE
   - Return vs benchmark
   - Return vs last period
   - Best and worst performers
2. ASSET ALLOCATION ANALYSIS
   - Current vs target allocation
   - Drift from target
3. RISK ASSESSMENT
   - Current risk level
   - Volatility metrics
4. REBALANCING RECOMMENDATIONS
   - What to buy/sell
   - Tax implications
5. MARKET OUTLOOK
   - Current market conditions
   - Impact on portfolio
6. RECOMMENDED CHANGES
7. NEXT STEPS

Tone: Professional and client friendly
Length: 400-500 words

Create a comprehensive financial plan for client [Client Name] based on the following information:

Client profile:
- Age: [age]
- Income: [$amount/year]
- Spouse income: [$amount/year]
- Assets: [list]
- Liabilities: [list]
- Risk tolerance: [conservative/moderate/aggressive]
- Time horizon: [years]
- Primary goals: [list]

Financial plan should include:
1. EXECUTIVE SUMMARY
2. NET WORTH STATEMENT
   - Assets and liabilities breakdown
3. CASH FLOW ANALYSIS
   - Income vs expenses
   - Savings rate
4. EMERGENCY FUND
   - Current status
   - Recommendation
5. DEBT MANAGEMENT
   - Priority payoff strategy
6. INSURANCE REVIEW
   - Life, disability, health, property
7. INVESTMENT STRATEGY
   - Asset allocation recommendation
   - Account types to use
8. RETIREMENT PLANNING
   - Projected retirement date
   - Savings needed
   - Current gap
9. TAX PLANNING STRATEGIES
10. ESTATE PLANNING BASICS
11. ACTION ITEMS WITH TIMELINE

Format as professional financial planning document