5 Claude Prompts for Financial Advisor Communication & Compliance

You are a financial advisor's documentation assistant. Generate a complete post-meeting follow-up package from the rough meeting notes below. The package must serve two purposes: (1) a professional client communication, and (2) a compliance-ready meeting record for the advisory file.

<meeting-info>
- Client: Married couple, ages 58 and 55
- Meeting type: Semi-annual review
- Date: February 2026
- Duration: 75 minutes
- Attendees: Both clients, financial advisor, associate advisor
</meeting-info>

<rough-notes>
Opened with portfolio review — up 10.8% last year, ahead of benchmark. Both pleased. He got promoted, income now $195K (was $165K). Discussed increasing savings — agreed to max out 401k including catch-up ($30,500). She wants to start part-time consulting business — we talked about SEP IRA vs Solo 401k. Will set up Solo 401k once business is established. Reviewed retirement timeline — still targeting 63 for him, 60 for her. Monte Carlo at 91% with new savings rate. Discussed estate plan — they have a trust but haven't updated beneficiaries since his mother passed. Need to update IRA beneficiaries and review trust provisions. She asked about long-term care insurance — worried after friend's experience. Will get quotes from 3 carriers. Discussed rebalancing — will trim US large cap (overweight after strong year) and add to international and bonds. Tax-loss harvesting opportunity in emerging markets position — will execute. Next meeting: August 2026 unless they need to discuss the business entity setup sooner.
</rough-notes>

<instructions>
Generate three documents:

1. MEETING NOTES (for compliance file):
- Header with client name, date, attendees, meeting type
- Organized by topic with clear headers
- Document all recommendations made and client responses
- Note any suitability considerations discussed
- Record decisions made and deferred
- Professional tone, third person

2. ACTION ITEMS (organized by owner):
- Advisor Action Items: with specific tasks, deadlines
- Client Action Items: with clear descriptions of what they need to do
- Shared Items: tasks requiring coordination
- Include priority levels (High/Medium/Low)

3. FOLLOW-UP EMAIL (ready to send to client):
- Thank them for their time
- Summarize key decisions in 3-4 bullets
- List their specific action items clearly
- Mention what you will be doing on their behalf
- Suggest next meeting timeframe
- Warm, professional tone — not a form letter
- Length: 250-350 words
</instructions>

Write three different proactive check-in emails for the client scenarios below. These are not responses to client inquiries — they are advisor-initiated touchpoints designed to demonstrate attentiveness and deepen the relationship.

<scenario-1>
Context: Client who just went through a divorce (finalized 2 months ago). Assets were divided, new accounts are established and invested. You haven't spoken since the initial restructuring meeting.
Relationship: 5-year client, age 47, professional
</scenario-1>

<scenario-2>
Context: Client couple whose youngest child just left for college (empty nesters). You helped fund the 529 plans and are aware this is a life transition.
Relationship: 10-year clients, ages 52 and 50, affluent professionals
</scenario-2>

<scenario-3>
Context: Client who recently inherited $200K from a parent who passed away 4 months ago. The inheritance is sitting in a savings account at a bank. You sent condolences at the time but haven't discussed the financial planning implications.
Relationship: 3-year client, age 44, single
</scenario-3>

<instructions>
For each email:
- Subject line: Thoughtful, not transactional (under 50 characters)
- Opening: Acknowledge the life event with empathy and authenticity
- Purpose: Frame the check-in as caring, not selling
- Value: Offer one specific, helpful idea or suggestion related to their situation
- Close: Open the door for a conversation without being pushy
- Length: 150-200 words each
- Tone: Genuinely caring, not scripted or salesy

The client should read each email and think: "My advisor actually pays attention to my life, not just my portfolio."
</instructions>

Write a recommendation memo for a de-identified client that documents the advisor's fiduciary reasoning. This memo will be retained in the client file and must withstand regulatory scrutiny.

<recommendation>
Topic: Annuitizing a portion of retirement assets with a single premium immediate annuity (SPIA)
Amount: $300K of $1.8M total portfolio (approximately 17%)
</recommendation>

<client-situation>
- Client: Widow, age 69, retired 3 years ago
- Total portfolio: $1.8M (IRA $1.2M, taxable $400K, Roth $200K)
- Social Security: $2,800/month
- Monthly spending need: $8,500 ($102K/year)
- Current withdrawal from portfolio: $5,700/month ($68.4K/year, 3.8% rate)
- Risk tolerance: Has become increasingly conservative since spouse's death — expressed anxiety about market declines and running out of money
- Health: Good, family history of longevity (mother lived to 94)
- No pension or other guaranteed income beyond Social Security
- Current allocation: 50% equities, 40% bonds, 10% cash — but she checks her balance daily and calls after every 2%+ decline
</client-situation>

<instructions>
Generate four components:

1. FORMAL MEMO (for client file):
- Header: Client reference, date, recommendation subject
- Executive Summary (2-3 sentences)
- Background and Client Situation
- Analysis and Rationale (why this is suitable for this specific client)
- Alternatives Considered (at least 3, with reasons each was not primary recommendation)
- Implementation Plan (source of funds, timing, product selection criteria)
- Suitability Statement (tie recommendation to stated goals, risk tolerance, and circumstances)
- Risks and Limitations

2. RATIONALE SUMMARY:
- 5-7 bullet points summarizing key reasons
- Written for quick reference during compliance review

3. RISK DISCLOSURE:
- Specific risks of annuitization (illiquidity, inflation, credit risk, opportunity cost)
- Mitigating factors
- Assumptions underlying the recommendation

4. CLIENT SUMMARY:
- Plain-language explanation written to the client
- Addresses likely concerns (giving up control, inflation, "what if I need the money")
- 250-350 words, warm and educational tone
</instructions>

Write a compliance documentation template for recording investment changes made to a client portfolio. This template should be thorough enough for regulatory review while being efficient enough to complete in 5 minutes.

<change-details>
- Client: Moderate-risk retiree, age 72
- Change type: Tactical rebalance
- Changes made:
  - Sold: US Large Cap Growth ETF — reduced from 22% to 17% of portfolio ($85K sold)
  - Bought: International Developed Markets ETF — increased from 10% to 13% ($45K purchased)
  - Bought: Short-Term Treasury ETF — increased from 8% to 11% ($40K purchased)
- Trigger: US large cap growth overweight after strong Q4, rebalancing to target allocation
- Tax impact: $12K in long-term capital gains realized (taxable account portion)
- Client communication: Discussed at quarterly review meeting, client approved rebalance
</change-details>

<instructions>
Create a compliance-ready trade documentation record that includes:
1. Trade summary (what was done)
2. Investment rationale (why each trade was made)
3. Suitability confirmation (how this aligns with client's IPS and risk tolerance)
4. Tax considerations (impact acknowledged and communicated)
5. Client authorization method (how consent was obtained)
6. Best execution notation

Keep it structured and scannable — a compliance officer should be able to review this in 2 minutes and confirm the trade was appropriate.
</instructions>

Write a client notification email explaining recent investment changes made to their portfolio. The tone should be informative and reassuring — clients should feel their advisor is actively managing their money with clear reasoning, not trading for the sake of trading.

<changes-made>
- Client: Pre-retiree couple, ages 59 and 57, 3-5 years from retirement
- Portfolio size: $1.1M
- Changes:
  1. Reduced equity allocation from 70% to 60% (sold $110K in US equity funds)
  2. Increased bond allocation from 25% to 32% (purchased $77K in intermediate-term bond fund)
  3. Increased cash/short-term from 5% to 8% (moved $33K to money market)
- Rationale: Approaching retirement timeline — gradually reducing portfolio risk per the agreed-upon glide path discussed at annual review. This was planned, not reactive to market conditions.
- Tax impact: Minimal — most changes in IRA accounts, $8K in long-term gains in taxable account
- Next planned adjustment: Another 5% equity reduction in approximately 12 months
</changes-made>

<instructions>
Structure:
1. Opening: Reference the planned adjustment discussed at their annual review
2. What changed: Clear, numbered list of adjustments
3. Why: Connect to their retirement timeline and risk reduction plan
4. Tax note: Brief mention of tax impact
5. What's next: Preview the ongoing glide path
6. Reassurance: This is planned, systematic, and disciplined — not reactive
7. Invitation to discuss

Length: 250-300 words
Tone: Calm, professional, proactive
</instructions>

<avoid>
- Making it sound reactive to market conditions
- Overly technical language about asset allocation
- Creating anxiety about the changes
</avoid>