AI Prompts for Financial Consultants and Advisors

"Create a template for summarizing a quarterly earnings call into a 1-page investment brief. The summary should extract: (1) thesis change — did anything fundamentally change about the investment case? (2) 3 key risk flags mentioned or implied, (3) management tone assessment (confident, defensive, evasive, cautious), (4) forward guidance highlights with specific numbers, (5) the single most important quote from the call, and (6) a recommended action (buy, hold, sell, watch). Demonstrate with a hypothetical Q3 earnings call for a mid-cap SaaS company that beat revenue estimates but lowered full-year guidance due to enterprise deal slippage."

"Draft a client-facing email explaining a sudden 5% market drop in the S&P 500 over 3 trading days. The email should: acknowledge the client's likely concern without being dismissive, explain what caused the drop in plain language (use a hypothetical trigger like unexpected Fed hawkishness), put it in historical context (how often 5% drops happen and typical recovery times), explain why their diversified portfolio is positioned to weather this, remind them of their long-term plan without being preachy, and end with an offer to schedule a call. Tone should be calm, confident, and empathetic — not robotic."

"Create a scenario stress test framework for a $1 million moderate-risk portfolio allocated 50% US equities, 20% international equities, 25% fixed income, and 5% alternatives. Model three scenarios: (1) rates rise 100bps over 6 months, (2) recession with rates cut 150bps, (3) stagflation with rates flat but inflation at 5%. For each scenario, estimate the impact on each asset class, the total portfolio return, which holdings are most at risk, and one specific rebalancing action to consider. Present in a clear table format."

"Create a 1-page Investment Committee memo template and demonstrate it with a hypothetical recommendation to add a position in a mid-cap cybersecurity ETF. The memo should include: investment thesis (3 sentences max), key catalysts (near-term and long-term), risk factors ranked by probability and impact, valuation assessment relative to peers, position sizing recommendation as a percentage of portfolio, entry criteria and price target, and a clear recommendation with conviction level (high/medium/low). Format for quick scanning by committee members."

"Create a detailed retirement savings roadmap for a 35-year-old professional earning $120,000 annually who currently has $80,000 in a 401(k) and $15,000 in a Roth IRA. They want to retire at 62. Calculate the monthly savings needed assuming 7% average annual returns, outline the optimal contribution strategy across 401(k) (with $5,000 employer match), Roth IRA, and taxable accounts, recommend an age-appropriate asset allocation that shifts over time using a glide path, and identify the biggest risk to their plan."

"Write a comprehensive guide to tax-loss harvesting for high-net-worth individual investors. Walk through a concrete numerical example: a client has $50,000 in realized gains from selling a tech stock, and holds 3 other positions with unrealized losses of $20,000, $15,000, and $8,000. Show exactly how to harvest losses to offset gains, explain the wash-sale rule with specific calendar dates, recommend replacement securities for common index funds (e.g., swap VOO for IVV), calculate the tax savings at the 37% bracket, and explain the $3,000 annual deduction limit and carryforward mechanics."

"Analyze whether a Roth IRA conversion makes financial sense for a 58-year-old with $800,000 in a traditional IRA who plans to retire at 65. They are currently in the 24% tax bracket and expect to be in the 22% bracket in retirement. Model two scenarios: (A) convert $100,000 per year over 5 years, (B) no conversion. For each, calculate: the upfront tax cost, projected account values at age 75 and 85, RMD obligations starting at 73, Medicare IRMAA surcharge impact, and the net benefit to heirs. Include a clear recommendation with the breakeven age."

"Create a comprehensive compliance review checklist for a mid-size financial advisory firm preparing for its annual audit. Cover: SOX compliance requirements for financial reporting, client data protection controls (encryption, access logs, retention policies), advertising and marketing compliance (SEC/FINRA rules), trade allocation and best execution documentation, gift and entertainment policy adherence, cybersecurity incident response readiness, and business continuity plan testing. For each area, include specific items to verify, common deficiencies found in audits, and remediation priority levels."

"Draft a professional weekly market commentary email for financial advisory clients. Cover: major US equity index performance for the week with context (not just numbers), notable sector rotations and what they signal, the 2 most important economic data releases and what they mean for portfolios, bond market movements and yield curve status, and one forward-looking insight that demonstrates your expertise. Keep it under 500 words, make it accessible to non-expert investors, and end with a reassuring note about long-term investing discipline. Avoid jargon without defining it first."

"Analyze the optimal Social Security claiming strategy for a married couple where the higher earner (age 62) has a full retirement age benefit of $3,200/month and the lower earner (age 60) has a benefit of $1,800/month. Compare 4 scenarios: (1) both claim at 62, (2) both at FRA (67), (3) both at 70, (4) split strategy where the higher earner delays to 70 while the lower earner claims at FRA. For each scenario, calculate monthly income, breakeven ages, and total lifetime benefits assuming average life expectancy (82 for him, 85 for her). Recommend the best strategy and explain why."

"Draft a clear, client-friendly fee disclosure document for a fee-only financial advisory firm that charges 0.85% AUM on the first $1 million and 0.65% on assets above $1 million, plus a $2,500 annual financial planning fee. Explain: exactly what services are included at each tier, how fees are calculated and deducted (quarterly in arrears), how this compares to industry averages (cite typical ranges), the firm's fiduciary obligation and what it means in practice, and a concrete dollar example for a $750,000 portfolio. The tone should build trust through radical transparency."

"Write an educational overview of alternative investment options for accredited investors looking to diversify beyond traditional stocks and bonds. Cover: private equity, venture capital, hedge funds, real estate (REITs and direct), private credit, and commodities. For each, explain the typical minimum investment, fee structure (management + performance fees), liquidity constraints and lock-up periods, expected return profile and historical range, correlation to public markets, and the specific role it plays in portfolio diversification. End with a comparison table and a recommendation for which alternatives to consider first based on portfolio size."