Prompt details

Tested on

Claude Opus 5.5

Length

534 words · 3 fill-ins

Example input

[Client file notes]: Clients: Walt (73) and June (71) Ferris, married 48 years, both retired. Walt was an engineer, June a school librarian. Paid-off home in Asheville, NC, worth about $510,000. Family: son Ben (46, divorced since our last review, two children) and daughter Claire (42). Granddaughter Lily (Ben's daughter) is 9. Income: Social Security $3,940 a month combined; June's state pension $1,210 a month. They draw $3,500 a month from the joint brokerage account. Goals: keep their lifestyle (about $8,600 a month), help Lily with college, leave the house to the children, stay in their home as long as possible. Risk profile on file: moderate, signed 3 years ago. Target allocation 50% stocks, 45% bonds, 5% cash. Health: Walt had a knee replacement 4 months ago; June said on the phone he is recovering well. June's mother needed years of long-term care, and June worries about the same. Estate: wills and powers of attorney done 9 years ago with an estate attorney. No trust. This meeting: 60 minutes, in person, both attending. Last review was 6 months ago.

[Account summary]: Since last review (6 months): Walt traditional IRA: start $668,900, withdrawals $0, investment change -$56,500, end $612,400 June traditional IRA: start $231,500, withdrawals $0, investment change -$17,200, end $214,300 Joint brokerage: start $241,000, withdrawals $21,000 (living costs), transfer out $15,000 (to the 529), investment change -$12,900, end $192,100 Cash and money market: start $46,200, interest $900, end $47,100 529 plan for Lily (owner June): opened 4 months ago with the $15,000 transfer, investment change -$550, end $14,450 Total: start $1,187,600, end $1,080,350 Household return since last review, net of fees: -7.6%. Blended benchmark for their target allocation: -6.9%. Current allocation: 47% stocks, 47% bonds, 6% cash. Walt's first required minimum distribution is due this year; the custodian's figure is $24,980. Nothing has been distributed yet.

[Last meeting notes and open items]: Last review, 6 months ago, 75 minutes. Markets had been strong and both were happy. June raised her worry about long-term care costs. Walt mentioned his knee surgery was coming up. Agreed actions: 1. Open a 529 plan for Lily, funded with $15,000 from the brokerage account. Done 4 months ago. 2. Send June the IRA beneficiary forms to change her contingent beneficiary from Ben alone to Ben and Claire equally. Sent twice, not returned. 3. Review long-term care options and get quotes. Not started. 4. Set up Walt's required distribution as automatic monthly payments from his IRA. Paperwork prepared, not signed. 5. Rebalance to 50/45/5 if any part drifts more than 5 points. Drift is 3 points; no action. 6. Ask their CPA whether giving to their church (about $6,000 a year) from Walt's IRA makes sense. Emailed the CPA, no reply yet.

Example output

1. Client snapshot

Walt (73) and June (71): married 48 years, both retired (engineer and school librarian). They own their Asheville home outright, worth about $510,000. Their moderate risk profile was signed 3 years ago.
Income: $8,650 a month (Social Security $3,940, June's pension $1,210, and a $3,500 draw from the brokerage account) against lifestyle spending of about $8,600.
Investable assets: $1,080,350, down from $1,187,600 at the last review. The return was -7.6% net of fees against a -6.9% benchmark. Allocation is 47/47/6, within the agreed band.
Most time-sensitive item: Walt's first required distribution is $24,980. It is due this year, nothing has been taken, and the paperwork is unsigned.
Life changes: Walt had his knee replacement 4 months ago (June reports he is recovering well). Ben has divorced, and Lily is his daughter. June's worry about long-term care is long-standing and still unaddressed.
Open items: only 1 of 6 agreed actions is done (the 529). The beneficiary form has been sent twice without reply, the long-term care review has not started, and the CPA has not replied. The wills and powers of attorney are 9 years old.

2. Changes since last meeting

Item	Then	Now	Action needed
Total household assets	$1,187,600	$1,080,350	Explain the change: withdrawals, the 529 transfer and market movement (see section 5)
Walt traditional IRA	$668,900	$612,400 (investment change -$56,500)	None beyond the required distribution
June traditional IRA	$231,500	$214,300 (investment change -$17,200)	None beyond the beneficiary form
Joint brokerage	$241,000	$192,100 ($21,000 draws, $15,000 to 529, investment change -$12,900)	Review the $3,500 draw against the lower balance and any distribution income
Cash and money market	$46,200	$47,100 ($900 interest)	None
529 for Lily (owner June)	Did not exist	$14,450 ($15,000 funded, investment change -$550)	Confirm successor owner and beneficiary details [confirm from statement], given Ben's divorce
Return vs benchmark	Strong markets; clients happy	-7.6% net vs -6.9% benchmark	Prepare the reason for the 0.7-point shortfall [confirm from statement / attribution report]
Allocation	Target 50/45/5	47/47/6 (3-point drift)	None under the 5-point rule; note it and review at the meeting

Claude Opus 5.5

Prep a Client Review – Financial advisor prompt for ChatGPT and Claude

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Claude Opus 5.5

This prompt prepares you for a client review meeting. Paste your client notes, the account summary and last meeting's open items; you get a snapshot, the changes, a timed agenda, questions, talking points and a follow-up letter.

What you get

A one-minute client snapshot and every change since the last meeting, open items included
A timed agenda with the clients' likely concerns first, and open questions to ask
Plain-English performance talking points from your own figures, with no forecasts
A follow-up letter with placeholders for decisions, and the points compliance usually checks

How to use it

1
Paste from your own file
Use your notes, the account summary and last meeting's action list. Leave out account numbers and anything your firm does not allow in an AI tool.
2
Prepare from the changes table
Read the changes table and agenda the evening before, and settle anything marked urgent before the meeting.
3
Send only after review
Fill the letter's placeholders after the meeting, check every figure against the statement and send it through your firm's compliance review.

Better results

Run it again right after the meeting with your notes of what was decided, so the letter's placeholders are filled from the real decisions.
Ask: "Turn this into a short meeting note for our CRM." It reuses the same facts in your record-keeping format.
If your firm requires it, use first names and rounded figures only. The prep still works, and you add exact figures from the statement.

Questions

How can financial advisors use ChatGPT?

Financial advisors use ChatGPT to prepare meetings, summarise client files, draft follow-up letters and explain concepts in plain English. Keep client data inside tools your firm approves, check every figure against statements, and send client communications through compliance review.

Is it compliant for advisors to use AI for client letters?

It can be, if your firm's policy allows the tool and the letter goes through your normal supervision and review. The adviser stays responsible for every figure and statement. This prompt keeps forecasts and promises out and lists the points compliance usually checks.

What should a client review meeting cover?

A client review should cover changes in the clients' lives, account values and performance against their plan, income and spending, open action items, upcoming decisions such as required distributions, and next steps with owners and dates. This prompt turns your notes into that agenda.

Updated 8 Nov 2026