AI Prompts for Financial Advisors

Help me prepare for an upcoming client review meeting. Turn the details below into a prep brief and a meeting agenda.

Client name(s): [name(s)]
Relationship length: [how long they've been a client]
Life stage / situation: [e.g., pre-retirement, young family, business owner]
Stated goals: [their top 2-3 financial goals]
Since our last meeting: [key changes: job, income, inheritance, new child, home purchase, market moves they've mentioned]
Open items from last review: [action items or questions still outstanding]
Meeting length: [minutes]
Meeting format: [in person / video / phone]

Produce:
1. Prep brief (for my eyes only):
   - A 3-sentence summary of where this client is right now
   - 3-5 talking points tailored to their goals and recent changes
   - Questions I should ask to check whether anything has changed (income, risk comfort, goals, beneficiaries, insurance)
   - 2-3 topics they may raise, with neutral, plain-English ways to frame each
2. Client-facing agenda:
   - A clean, numbered agenda (5-7 items) I can send ahead of time
   - A short, warm intro line for the email that shares it

Rules:
- Do not recommend specific securities, products, or allocations, and do not state or imply any guaranteed outcome or return.
- Frame everything as discussion points and questions, not advice or instructions.
- Keep the client-facing agenda jargon-free.
- Flag anything I should confirm against the client's actual records before the meeting.

Explain a financial concept to a client in plain English so they actually understand it.

Concept to explain: [e.g., dollar-cost averaging, sequence-of-returns risk, Roth vs. traditional, required minimum distributions, diversification, bond duration]
Who I'm explaining it to: [client type, e.g., new investor, retiree, business owner]
Their likely familiarity: [none / some / fairly knowledgeable]
Where this will be used: [email reply / meeting talking points / short handout]
Length: [one short paragraph / a few paragraphs / half a page]

Requirements:
- Start with a one-sentence definition a 12-year-old could follow.
- Use one relatable, everyday analogy (avoid tired or misleading ones).
- Explain why it matters to this specific type of client.
- Name the main trade-off or limitation honestly. Do not oversimplify the risk.
- Avoid jargon; if a term is unavoidable, define it in the same sentence.
- Do NOT recommend a specific product, security, or course of action, and do NOT promise or imply any particular return or outcome.
- End with one open question that invites the client to discuss their own situation with me.

Tone: neutral and educational. This is general education, not personalized advice.

Turn my notes from a client review meeting into a clear, professional recap email.

Client name: [name]
Meeting date: [date]
What we discussed: [paste your rough notes: topics covered, decisions, concerns raised]
Any changes the client shared: [job, income, goals, risk comfort, family, etc.]
Action items, mine: [what I agreed to do, with rough timing]
Action items, client's: [what they agreed to do]
Next check-in: [date or timeframe]
My name / firm: [name]

Write:
1. Subject line (2 options)
2. A warm opening thanking them for their time
3. A short recap of what we covered, organized under 2-4 clear headings
4. A "Next steps" section listing my action items and theirs separately, each with a timeframe
5. A closing that reinforces they can reach out any time, plus the next check-in date

Rules:
- Summarize only what we actually discussed and decided. Do not introduce any new recommendation, product, or projected return we did not talk about.
- No guarantees or promises about performance or outcomes.
- Keep it under 250 words, warm, and jargon-free.
- Leave a [placeholder] for any required disclosure or disclaimer my firm includes.
- Flag anything I should double-check against my meeting notes before sending.

Write a prospecting outreach email to a potential client.

Prospect name: [name]
How I know them / the connection: [referral from X / met at Y event / local business owner / warm intro]
What I know about their situation: [e.g., recently sold a business, new executive role, approaching retirement, expecting a child]
What my practice focuses on: [e.g., retirement planning for professionals, business owners, physicians]
Why I might be a good fit for them: [1-2 specific reasons]
The ask: [a brief intro call / coffee / a no-obligation second opinion]
My name / firm: [name]

Requirements:
- Open with the specific connection or reason for reaching out (never a generic "I hope this finds you well").
- Show I understand their situation without being presumptuous.
- Focus on being helpful and starting a conversation, not selling.
- Make one clear, low-pressure ask (a short call) and offer an easy out.
- Do NOT promise specific results, returns, or guarantees, and do NOT give specific investment advice.
- Keep it under 150 words, professional and human.
- Provide a subject line (3 options) and leave a [placeholder] for any required disclosures.

Draft a client note about recent market conditions that informs and reassures without overpromising.

What's happening: [brief description, e.g., sharp equity sell-off, rate change, volatility spike, headline event]
Audience: [all clients / retirees / accumulators / a specific segment]
My core message: [e.g., stay focused on your long-term plan; this is expected volatility; we planned for this]
Tone: [calm and steady / matter-of-fact]
Format: [email / short blog post / text-friendly summary]

Write:
1. Subject line (2 options, steady and not alarmist)
2. A brief, plain-English explanation of what's happening and why it does or doesn't change a long-term plan
3. A reminder of the principles behind their plan (diversification, time horizon, sticking to the strategy), framed generally
4. A clear invitation to reach out with questions or to review their plan
5. A short, warm sign-off

Strict rules:
- Do NOT predict market direction, guarantee outcomes, or promise any return.
- Do NOT recommend buying, selling, or changing specific holdings.
- Offer general education and perspective, not personalized advice or a market call.
- Acknowledge uncertainty honestly rather than dismissing their concerns.
- Keep it under 250 words.
- Include a [placeholder] for the disclosures my firm requires, and flag any statement that should go through compliance review.

Create a new-client onboarding questionnaire I can send before our first planning meeting.

My practice focus: [e.g., comprehensive financial planning, retirement, business owners]
Client type: [individual / couple / family / business owner]
Planning scope: [what this engagement covers, e.g., retirement, investments, insurance, estate, taxes, cash flow]
How they'll complete it: [online form / PDF / in meeting]
Depth: [quick intake / thorough discovery]

Produce a well-organized questionnaire grouped into sections:
1. Household & contact basics
2. Goals & priorities (short, medium, long term)
3. Income, expenses, and cash flow
4. Assets & accounts (high level)
5. Debts & liabilities
6. Insurance & protection
7. Estate & beneficiaries (wills, POA, beneficiary designations)
8. Risk comfort & past experience with investing and markets
9. Values, concerns, and what a good outcome looks like to them
10. Anything else they want me to know

For each section, write clear, friendly questions (a mix of open-ended and specific). Add a short intro paragraph explaining why the information helps and reassuring them about confidentiality.

Rules:
- Do not request full account numbers, passwords, or Social Security numbers in this intake.
- Neutral, welcoming tone; no jargon.
- Leave a [placeholder] for the privacy and confidentiality language my firm uses.

Write a referral request email to a satisfied client that feels natural, not pushy.

Client name: [name]
Context / why now: [just completed a successful review / they expressed gratitude / reached a milestone together]
Who I help best: [describe my ideal client in plain terms, e.g., people nearing retirement, business owners, young professionals]
How I'd like the intro to happen: [reply with a name / forward my note / mention me / no pressure]
My name / firm: [name]

Requirements:
- Lead with genuine, specific appreciation for the relationship.
- Briefly describe the type of person I'm best able to help, so they can picture the right fit.
- Make the ask low-pressure and easy to act on, with a graceful out.
- Do not frame this as a testimonial request, and do not offer any incentive for referrals unless I confirm it is permitted under my firm's and regulators' rules.
- Do NOT make performance claims or guarantees.
- Keep it under 150 words, warm and human.
- Provide a subject line (2 options) and a [placeholder] for any required disclosures.

Review a client-facing draft I've written and flag anything that could be a compliance or tone problem before I route it through my firm's supervision process. This is a self-check to catch obvious issues, not a compliance approval.

Draft to review: [paste your email, note, newsletter, post, or letter]
Audience: [who receives it, e.g., a single client, my whole book, a prospect]
Channel: [email / newsletter / social post / letter]
Context (optional): [e.g., RIA, broker-dealer, insurance; any rules you know apply]

Check the draft for:
1. Performance or outcome language: any promise, guarantee, projection, or implied return ("you'll earn", "this will grow", "safe", "can't lose").
2. Specific recommendations: any specific security, product, allocation, or action framed as advice rather than general education.
3. Superlatives and unverifiable claims: "best", "top-rated", "#1", or claims about me or my firm I can't substantiate.
4. Testimonials or endorsements: client praise, ratings, or anything that reads like a testimonial.
5. Missing disclosures: spots where a disclaimer or required disclosure likely belongs (mark them with [DISCLOSURE]).
6. Risk balance: benefits stated without the matching risk or trade-off.
7. Tone: anything that could read as pressuring, alarmist, or misleading.

Output:
1. A one-line verdict: likely fine as-is, or needs changes before supervision review.
2. A numbered list of flags, each quoting the exact phrase, explaining the concern, and suggesting a compliant rewrite.
3. A clean revised version with the fixes applied and [DISCLOSURE] placeholders where disclaimers belong.

Rules:
- Do not add any new performance claim, recommendation, or guarantee.
- When unsure, flag it rather than pass it, and quote the exact wording.
- End with a one-line reminder that this is a drafting aid only, and I must route the final version through my firm's compliance or supervision process and keep records per policy.

Write a quarterly client newsletter that keeps clients informed and reinforces their long-term plan.

Quarter / period: [e.g., Q2 2026]
Audience: [describe my client base]
Themes I want to cover: [1-3 topics, e.g., a plain-English market recap, a planning reminder like reviewing beneficiaries, a seasonal nudge]
Tone: [steady, educational, personable]
My name / firm: [name]

Structure:
1. Subject line (2 options) and a one-line preview
2. A warm personal intro (2-3 sentences)
3. Market perspective: a plain-English recap of the period framed around long-term planning, NOT predictions or a market call
4. One planning topic explained simply, with a practical, general tip clients can consider
5. A gentle reminder item (e.g., review beneficiaries, update your budget, schedule your review)
6. A clear invitation to reach out or book a review
7. Warm sign-off

Rules:
- Do NOT forecast markets, guarantee outcomes, or recommend specific securities or products.
- Keep all guidance general and educational, not personalized advice.
- Plain English throughout; define any necessary term.
- Target 400-600 words.
- Include a [placeholder] for required disclosures and flag anything that should go through compliance review before sending.

Create a balanced, educational comparison of two options a client is weighing, so they can have an informed conversation with me. This is general education, not a recommendation.

The decision: [e.g., Roth vs. traditional contributions, claiming Social Security at 62 vs. 67, paying off the mortgage vs. investing, lump sum vs. annuitizing a pension]
Client context (general): [what's relevant, e.g., age range, working vs. retired, priorities]
Where this will be used: [email / handout / meeting talking points]

Produce:
1. A one-paragraph, plain-English framing of the decision
2. A side-by-side of the two options covering: how each works, typical pros, typical cons and trade-offs, and who each tends to suit
3. The key factors that usually tip the decision one way or the other, framed as "it depends on..."
4. 3-4 questions the client should think about or bring to our next conversation
5. A closing line stating this is general education and that we'll look at their specific situation together

Strict rules:
- Present BOTH sides fairly. Do NOT recommend one option, and do NOT tell the client what to do.
- No guarantees, no projected returns, and no tax or legal advice; note where a CPA or attorney may be needed.
- Flag any point that depends on current tax law or contribution limits and should be verified, and leave a [placeholder] for required disclosures.

Create a 4-email nurture sequence for a prospect who isn't ready to commit yet but is worth staying in touch with.

Prospect situation: [what I know about them and where they are in deciding]
Why they paused: [timing / still deciding / comparing advisors / life is busy]
What my practice focuses on: [specialty]
Valuable resources I can share: [e.g., a retirement checklist, a planning guide, a short explainer; describe them]
My name / firm: [name]

For each of the 4 emails, provide a subject line (2 options), the send timing, the goal, and a short body (under 150 words):

Email 1 (a few days after we spoke): Thank them, recap what matters to them, and share one genuinely useful resource. No pressure.
Email 2 (about 2 weeks later): Share a plain-English insight or checklist relevant to their situation. Build trust and ask for nothing.
Email 3 (about 3-4 weeks later): A light, human check-in tied to their timing or a relevant season or life event. Invite a low-stakes conversation.
Email 4 (about 6 weeks later): A clear but graceful "still here when you're ready," with an easy way to book a chat and an easy way to opt out.

Rules:
- Helpful and patient, never pushy or salesy.
- Do NOT make performance claims, guarantees, or give specific investment advice.
- Keep each email short and skimmable, and include a [placeholder] for required disclosures.

Write a thoughtful check-in email to a client around a life event or milestone, opening the door to review their plan.

Client name: [name]
Life event: [e.g., retirement, new job or promotion, new baby, marriage or divorce, sold a home or business, received an inheritance, lost a spouse]
What I know so far: [brief context]
The planning angle (general): [what this event might make worth revisiting, e.g., cash flow, beneficiaries, insurance, goals]
How I'd like to close: [offer a short review call]
My name / firm: [name]

Requirements:
- Lead with genuine, appropriate acknowledgment of the event, celebratory or sensitive to match the situation.
- Gently note, in general terms, that changes like this can be a good time to revisit parts of their plan, without prescribing what to do.
- Offer a no-pressure conversation to talk it through.
- For sensitive events (loss, divorce), prioritize empathy over business and keep any planning mention light and optional.
- Do NOT give specific investment advice, make guarantees, or list actions as if they're already decided.
- Keep it under 150 words. Provide a subject line (2 options) and a [placeholder] for any required disclosures.