AI Financial Advisory & Accounting Prompts

**Role:** You are a certified financial planner (CFP) who specializes in translating complex financial projections into clear, client-friendly narratives that inspire confidence and action. **Task:** Write an executive summary of a financial plan that translates technical projections into a narrative a non-financial client can understand and act on. [COMPLIANCE REVIEW] **Input:** - Client name: [client_name] - Client age and retirement target: [age_and_retirement_target] - Key financial goals: [financial_goals] - Current net worth: [net_worth] - Annual income: [annual_income] - Annual savings rate: [savings_rate] - Projected retirement income need: [retirement_income_need] - Plan assumptions: [plan_assumptions] - Probability of success (Monte Carlo or similar): [success_probability] **Scope:** - In scope: Executive summary of financial plan covering retirement readiness, goal funding, and risk assessment - Out of scope: Detailed tax strategy, estate planning documents, insurance needs analysis, specific investment recommendations **Output format:** ### Your Financial Snapshot A 4-6 sentence opening paragraph addressed to the client by name, summarizing where they stand today relative to their goals. Use encouraging, clear language. ### Goals at a Glance | Goal | Target date | Current funding % | On track? | Action needed | One row per goal in [financial_goals]. "On track?" is Yes / Needs attention / At risk. ### What the Numbers Mean For each metric, provide: (1) the number, (2) what it means in plain language, (3) whether it's on track (green), needs attention (amber), or at risk (red). 3-4 paragraphs (60-80 words each) explaining: 1. How current savings trajectory maps to [retirement_income_need] 2. What [success_probability] means in practical terms (explain Monte Carlo simply) 3. Key assumptions in [plan_assumptions] and what happens if they change 4. The single most impactful lever the client can pull to improve their outcome ### Recommended Actions 5-7 prioritized action items, each with: - What to do (1 sentence) - Why it matters (1 sentence) - Suggested timeline ### Important Disclosures - All projections based on assumptions in [plan_assumptions] — actual results will vary - Past performance does not guarantee future results - This summary does not replace the full financial plan document **Constraints:** - Write at a 9th-grade reading level — no financial jargon without a plain-English explanation in parentheses - All percentages to 1 decimal place; currency to nearest whole unit - Flag any assumption the client should verify with [VERIFY] - Do NOT guarantee outcomes — use language like "projected," "estimated," "on current trajectory" - Do NOT provide tax or legal advice — note where [client_name] should consult a specialist - Keep the entire summary under 800 words

**Role:** You are a financial advisor and investment communicator who writes clear, reassuring market commentary for retail clients who are not financial professionals. **Task:** Write a market commentary template for a client newsletter that explains recent market movements and their practical implications without causing unnecessary alarm or overconfidence. [COMPLIANCE REVIEW] **Input:** - Commentary period: [time_period] - Key market events: [market_events] - Major index performance: [index_performance] - Economic indicators: [economic_indicators] - Firm's market outlook: [firm_outlook] - Client base profile: [client_demographics] - Tone: [desired_tone] (e.g., cautiously optimistic, balanced, reassuring) **Output format:** ### Subject Line Options 3 email subject lines — informative, not sensational (max 10 words each). ### Opening Paragraph (50-70 words) Set context for [time_period]. Acknowledge what happened in plain terms. Match [desired_tone]. ### What Happened in Markets 3-5 bullet points covering [market_events] and [index_performance]. Each bullet: one fact + one sentence of plain-English context. No unexplained acronyms. ### What It Means for You 3-4 paragraphs (50-70 words each) addressing: 1. How [economic_indicators] connect to [client_demographics]'s typical concerns (retirement, savings, income) 2. The firm's perspective from [firm_outlook] — framed as a point of view, not a prediction 3. What clients should consider doing (or not doing) right now 4. A historical perspective reminder — markets recover, patience is rewarded ### Key Takeaways 3 bullet points — the three things the client should remember. Simple, reassuring, actionable. ### Closing (30-50 words) Invitation to schedule a review meeting. Warm, personal tone. **Scope:** - In scope: Market commentary newsletter with index performance context, client-relevant implications, and key takeaways - Out of scope: Financial advice, tax filing, investment execution, specific security recommendations **Constraints:** - Write at an 8th-grade reading level — define any financial term on first use - Total newsletter under 600 words - Match [desired_tone] throughout — no fear-mongering or euphoria - Do NOT make specific investment predictions or recommend specific securities - Do NOT use words like "crash," "collapse," "skyrocket," or "guaranteed" - Include: "Past performance does not guarantee future results. Contact your advisor to discuss how market conditions may affect your personal financial plan."

**Role:** You are a tax-planning strategist advising individual clients on optimization opportunities within [jurisdiction] tax regulations. You specialize in coordinating tax strategy with broader financial planning goals. **Task:** Draft a tax planning strategy memo identifying optimization opportunities based on the client's situation. Think step by step through each opportunity to ensure accuracy. [COMPLIANCE REVIEW] **Input:** - Client name: [client_name] - Filing status: [filing_status] - Jurisdiction: [jurisdiction] - Tax year: [tax_year] - Estimated gross income: [gross_income] - Income sources: [income_sources] - Current deductions and credits: [current_deductions] - Investment accounts: [investment_accounts] - Retirement contributions: [retirement_contributions] - Charitable giving history: [charitable_giving (optional)] - Business interests: [business_interests (optional)] - Life events this year: [life_events (optional)] **Output format:** ### Client Tax Profile Summary 4-6 sentences summarizing [client_name]'s tax situation, key income sources, and estimated tax bracket based on [gross_income] and [filing_status] in [jurisdiction]. ### Optimization Opportunities For each opportunity (identify 5-8 strategies): **Strategy [#]: [Name]** - Description: 2-3 sentences explaining the strategy in plain language - Estimated impact: projected tax savings range (show calculation basis) - Requirements: what the client needs to do and by when - Applicable regulation: cite [jurisdiction] tax code section or rule - Risk level: Low / Medium / High - Flag: [VERIFY WITH TAX PROFESSIONAL] for any strategy involving ambiguity ### Timeline of Key Actions | Action | Deadline | Owner | Priority | Sorted chronologically for [tax_year]. ### Year-over-Year Comparison Framework | Item | Prior year | Current year (est.) | Change | Implication | 5-8 rows covering income, deductions, credits, effective tax rate. ### Recommended Next Steps 3-5 action items with specific deadlines and responsible party (advisor, client, or CPA). **Scope:** - In scope: Tax planning strategy memo with optimization opportunities, timeline, year-over-year comparison, and recommended next steps - Out of scope: Financial advice, tax filing or tax return preparation, investment execution, IRS audit representation **Constraints:** - All currency to nearest whole unit; all percentages to 1 decimal place - All strategies must reference [jurisdiction]-specific regulations — do not use generic U.S.-only advice unless [jurisdiction] is a U.S. state - Flag every strategy that requires professional verification with [VERIFY WITH TAX PROFESSIONAL] - Do NOT guarantee tax savings — use "estimated," "projected," "potential" - Do NOT recommend aggressive tax positions without flagging risk level as High - Include: "This memo is for planning purposes only and does not constitute tax advice. Consult a qualified tax professional in [jurisdiction] before implementing any tax strategy."

**Role:** You are a financial planning practice manager who designs client intake processes that capture comprehensive financial data while feeling conversational and welcoming — not interrogative. **Task:** Create a client onboarding questionnaire covering goals, risk tolerance, income, tax situation, estate planning, and insurance needs. **Input:** - Practice type: [practice_type] (e.g., wealth management, retirement planning, holistic financial planning) - Client segment: [client_segment] (e.g., mass affluent, high-net-worth, pre-retiree, young professional) - Compliance requirements: [compliance_requirements] - Services offered: [services_offered] - Existing CRM/intake system: [intake_system (optional)] **Output format:** ### Welcome Introduction (50-80 words) Warm opening paragraph explaining why the questionnaire matters, how long it takes (estimate), and how data will be used. Reassure on confidentiality. ### Section 1: About You (5-7 questions) Personal information, family situation, employment. Use conversational framing. ### Section 2: Financial Goals (4-6 questions) Short-term, medium-term, and long-term goals. Include priority ranking. Open-ended + structured. ### Section 3: Income & Cash Flow (4-6 questions) Income sources, monthly expenses, savings patterns, emergency fund status. ### Section 4: Assets & Liabilities (5-7 questions) Investment accounts, retirement accounts, real estate, debts. Table format for listing. ### Section 5: Risk Tolerance (4-5 questions) Mix of scenario-based and self-assessment questions. Include at least 2 scenario questions (e.g., "If your portfolio dropped 20% in one month, you would..."). ### Section 6: Tax Situation (3-5 questions) Filing status, jurisdiction, notable deductions/credits, tax concerns. ### Section 7: Insurance & Estate Planning (4-6 questions) Current coverage, beneficiary status, estate documents in place, powers of attorney. ### Section 8: Preferences & Expectations (3-4 questions) Communication preferences, meeting frequency, past advisor experiences, what success looks like. ### Compliance Section Required disclosures per [compliance_requirements]. Consent and signature lines. **Scope:** - In scope: Client onboarding questionnaire covering goals, risk tolerance, income, assets, tax situation, insurance, and preferences - Out of scope: Financial advice, tax filing, investment execution, Social Security number or account password collection **Constraints:** - Total questionnaire: 35-50 questions across all sections - Write questions at an 8th-grade reading level — no financial jargon without parenthetical explanation - Tailor question depth and topics to [client_segment] and [practice_type] - Do NOT ask for Social Security numbers or account passwords in this document — note where sensitive data will be collected separately - Do NOT include questions outside the scope of [services_offered] - Include note: "All information provided is kept strictly confidential and is used solely for financial planning purposes."

**Role:** You are a senior investment analyst preparing a suitability-reviewed investment recommendation for a client's advisory team. You balance rigorous analysis with client-appropriate communication. **Task:** Draft an investment recommendation memo covering thesis, risk analysis, portfolio fit, and implementation steps. Think step by step through suitability and risk factors. **Input:** - Client name: [client_name] - Client risk profile: [risk_profile] - Current portfolio: [current_portfolio] - Investment being recommended: [investment_name] - Asset class: [asset_class] - Investment thesis: [investment_thesis] - Time horizon: [time_horizon] - Proposed allocation: [proposed_allocation] - Benchmark: [benchmark] **Output format:** ### Suitability Assessment 4-6 sentences confirming how [investment_name] aligns with [client_name]'s [risk_profile], [time_horizon], and existing [current_portfolio]. Flag any suitability concerns. ### Investment Thesis **What:** 2-3 sentences describing [investment_name] and [asset_class]. **Why now:** 3-4 bullet points from [investment_thesis] — evidence-based rationale. **Expected outcome:** Return expectations framed as a range, not a point estimate. ### Risk Analysis | Risk factor | Severity (H/M/L) | Likelihood | Impact on client | Mitigation | 5-7 risk factors including market risk, concentration risk, liquidity risk, and any asset-class-specific risks. ### Portfolio Fit Analysis | Metric | Before | After | Change | Include: asset allocation %, sector exposure, geographic exposure, risk score estimate, yield/income change. Show that [proposed_allocation] keeps the portfolio within [risk_profile] guidelines. ### Implementation Plan | Step | Action | Timeline | Responsible | 4-6 steps covering: funding source, trade execution, tax lot selection, rebalancing, monitoring schedule. ### Monitoring and Exit Criteria - Review frequency: specify - Performance triggers for reassessment: specify 2-3 - Exit criteria: specify conditions under which the position should be reduced or closed **Scope:** - In scope: Investment recommendation memo with suitability assessment, thesis, risk analysis, portfolio fit, and implementation plan - Out of scope: Financial advice to end clients directly, tax filing, investment execution or trade placement, compliance approval **Constraints:** - All percentages to 1 decimal place; currency to nearest whole unit - The recommendation must be consistent with [risk_profile] — flag any deviation explicitly - Do NOT present expected returns as guaranteed — use ranges and conditional language - Do NOT recommend without addressing how this fits the existing [current_portfolio] - Include: "Past performance does not guarantee future results. This recommendation is based on [client_name]'s stated risk profile and objectives. Recommendations depend on the client's individual circumstances — consult a qualified financial advisor before acting." - Flag the memo with [COMPLIANCE REVIEW] in the header

**Role:** You are a retirement income specialist who models withdrawal strategies, Social Security timing, and longevity risk for clients transitioning from accumulation to distribution. **Task:** Model a retirement income plan analyzing withdrawal strategies, Social Security timing options, and longevity risk. Show all calculations step by step. [COMPLIANCE REVIEW] **Input:** - Client name: [client_name] - Current age: [current_age] - Target retirement age: [retirement_age] - Life expectancy assumption: [life_expectancy] - Retirement portfolio value: [portfolio_value] - Portfolio allocation: [portfolio_allocation] - Social Security estimated benefit at 62/67/70: [ss_benefit_estimates] - Pension or annuity income: [pension_income (optional)] - Estimated annual retirement expenses: [annual_expenses] - Healthcare cost estimate: [healthcare_costs] - Inflation assumption: [inflation_rate] - Tax filing status: [filing_status] - Jurisdiction: [jurisdiction] **Output format:** ### Retirement Income Gap Analysis | Income source | Annual amount | Start age | End age | Inflation-adjusted? | Sum all guaranteed income sources. Compare to [annual_expenses]. **Income gap:** [annual_expenses] minus total guaranteed income = amount to fund from portfolio. ### Social Security Timing Scenarios | Claiming age | Monthly benefit | Annual benefit | Cumulative by age 80 | Cumulative by 85 | Cumulative by 90 | Break-even age | Model three rows from [ss_benefit_estimates]. Show step-by-step break-even calculation. **Recommendation:** Which timing option best fits [client_name]'s situation, with reasoning. ### Withdrawal Strategy Comparison | Strategy | Year 1 withdrawal | % of portfolio | Projected portfolio at age 85 | Risk of depletion | Model 3 strategies: 1. Fixed 4% rule 2. Dynamic percentage (guardrails approach) 3. Bucket strategy (short/medium/long-term) For each: show first-year calculation and 5-year projection. ### Longevity Risk Assessment - Probability of living to age 85: cite general actuarial range - Probability of living to age 90: cite general actuarial range - Impact on plan: what happens to portfolio under each scenario - Mitigation options: 2-3 strategies (annuitization, TIPS ladder, longevity insurance) ### Healthcare Cost Projection | Age range | Est. annual cost | Inflation-adjusted | Cumulative | Project [healthcare_costs] at [inflation_rate] from [retirement_age] to [life_expectancy]. ### Action Plan 5-7 prioritized steps with timeline, covering Social Security filing, portfolio repositioning, healthcare planning, and estate coordination. **Scope:** - In scope: Retirement income analysis with gap analysis, Social Security timing scenarios, withdrawal strategy comparison, and longevity risk assessment - Out of scope: Financial advice, tax filing, investment execution, Social Security filing decisions **Constraints:** - Show every calculation step — do not skip to conclusions - All percentages to 1 decimal place; currency to nearest whole unit; ages as whole numbers - Flag assumptions requiring verification with [VERIFY] - Do NOT present any withdrawal rate as "safe" or guaranteed — all strategies carry risk - Do NOT provide specific Social Security filing advice — present analysis for decision-making - Include: "Past performance does not guarantee future results. Retirement projections are estimates based on stated assumptions. Consult a qualified financial advisor before making retirement income decisions."

**Role:** You are a senior business financial analyst who conducts diagnostic financial health assessments for small and mid-size businesses, translating ratios and metrics into actionable owner-friendly insights. **Task:** Analyze the financial health of the business described below, covering cash flow, margins, expense ratios, debt, and working capital. Think step by step through each area. **Input:** - Business name: [business_name] - Industry: [industry_type] - Annual revenue: [annual_revenue] - Cost of goods sold: [cogs] - Operating expenses: [operating_expenses] - Total debt: [total_debt] - Cash and equivalents: [cash_position] - Accounts receivable: [accounts_receivable] - Accounts payable: [accounts_payable] - Inventory: [inventory (optional)] - Number of employees: [employee_count] **Output format:** ### Executive Health Score | Area | Score (1-10) | Status | Key finding | Score each: Profitability, Liquidity, Efficiency, Leverage, Cash Flow. 1 = critical, 10 = excellent. **Overall health score:** weighted average to 1 decimal place. ### Step-by-Step Analysis **Step 1: Profitability** - Gross margin: ([annual_revenue] - [cogs]) / [annual_revenue] — show calculation - Operating margin: show calculation - Net margin estimate: show calculation - Industry comparison: how these compare to [industry_type] benchmarks - Revenue per employee: [annual_revenue] / [employee_count] **Step 2: Liquidity** - Current ratio estimate: current assets / current liabilities — show calculation - Quick ratio estimate: (cash + receivables) / current liabilities — show calculation - Cash runway: [cash_position] / monthly operating expenses — in months **Step 3: Efficiency** - Days sales outstanding (DSO): ([accounts_receivable] / [annual_revenue]) × 365 - Days payable outstanding (DPO): ([accounts_payable] / [cogs]) × 365 - Inventory turnover: [cogs] / [inventory] (if provided) - Cash conversion cycle: DSO + inventory days - DPO **Step 4: Leverage** - Debt-to-equity ratio estimate: show calculation - Debt service coverage estimate: operating income / annual debt payments - Flag if debt levels exceed [industry_type] norms **Step 5: Cash Flow Assessment** - Operating cash flow estimate from provided data - Free cash flow estimate - Monthly burn or surplus ### Strengths (3-5 items) Specific metrics that are at or above [industry_type] benchmarks. ### Areas of Concern (3-5 items) Specific metrics below benchmark, ranked by urgency. Each with a recommended action. ### Recommended Next Steps 5-7 prioritized actions with timeline and expected impact on health score. **Scope:** - In scope: Business financial health check with scored areas, ratio analysis, industry benchmarks, and prioritized recommendations - Out of scope: Financial advice, tax filing, investment execution, audited financial statement preparation **Constraints:** - Show every calculation step — do not skip to conclusions - All percentages to 1 decimal place; currency to nearest whole unit; time periods in days or months - Flag any metric that could not be fully calculated from inputs with [INCOMPLETE — needs: specific data] - Write findings in plain business language — the audience is a business owner, not a CFO - Do NOT invent benchmark data — label industry comparisons as [INDUSTRY BENCHMARK: industry_type] or [BENCHMARK NEEDED] - Include: "This health check is for informational purposes only. Consult a qualified financial professional or CPA for a comprehensive business financial assessment."

**Role:** You are a financial reporting specialist who transforms raw monthly financial data into clear performance narratives for business owners and stakeholders who prefer stories over spreadsheets. **Task:** Write a monthly financial reporting narrative that transforms raw numbers into performance insights a non-financial audience can understand and act on. **Input:** - Business name: [business_name] - Reporting month: [reporting_month] - Revenue actual vs. budget: [revenue_actual] / [revenue_budget] - Expense actual vs. budget: [expense_actual] / [expense_budget] - Cash balance: [cash_balance] - Accounts receivable: [ar_balance] - Key metrics: [key_metrics] - Notable events: [notable_events (optional)] - Prior month comparison: [prior_month_data (optional)] **Output format:** ### Monthly Headline (1 sentence) A single sentence capturing the most important financial takeaway for [reporting_month]. Start with the business name. ### Performance Dashboard | Metric | Actual | Budget | Variance ($) | Variance (%) | Trend vs. prior month | Include revenue, total expenses, net income, cash balance, plus items from [key_metrics]. ### Revenue Story (80-100 words) What drove revenue performance? Reference [revenue_actual] vs. [revenue_budget]. If [notable_events] affected revenue, explain how. Plain language. ### Expense Story (80-100 words) Where did spending land relative to plan? Highlight the 2-3 largest variances from [expense_actual] vs. [expense_budget]. Explain root causes if identifiable. ### Cash Position (60-80 words) Current [cash_balance], trend direction, runway estimate if applicable. Flag any concerns about upcoming obligations. ### Receivables Check - Total AR: [ar_balance] - Aging status: current / 30+ / 60+ / 90+ (request breakdown from data) - Collection concern? Yes / No — if yes, explain ### What to Watch Next Month 3-4 forward-looking items the owner/stakeholders should monitor, based on trends visible in this month's data. ### Action Items | Item | Owner | Deadline | Priority | 3-5 specific actions arising from this month's results. **Scope:** - In scope: Monthly financial reporting narrative with performance dashboard, revenue/expense stories, cash position, and action items - Out of scope: Financial advice, tax filing, investment execution, audited financial statement preparation **Constraints:** - All percentages to 1 decimal place; currency to nearest whole unit - Write in narrative style — this is not a spreadsheet, it's a story about what happened and why - Keep total narrative under 600 words (excluding tables) - Do NOT invent figures — use provided inputs; label any estimates as [ESTIMATED] - Do NOT editorialize on business strategy — stick to what the numbers say - Include: "This narrative is for internal planning purposes only. It does not constitute audited financial statements."

**Role:** You are a client relationship and collections specialist who drafts payment reminder communications that maintain positive client relationships while ensuring timely collections. **Task:** Draft a three-stage payment reminder sequence — friendly, firm, and final — for overdue invoices, maintaining a professional tone that preserves the client relationship. **Input:** - Business name: [business_name] - Industry: [industry_type] - Standard payment terms: [payment_terms] - Client relationship type: [relationship_type] (e.g., long-term, new, high-value, one-time) - Late payment policy: [late_fee_policy] - Escalation path: [escalation_steps] **Output format:** ### Stage 1: Friendly Reminder (Day 1-7 past due) **Subject line:** [option — warm, assumes oversight] **Email body (80-120 words):** - Acknowledge the relationship - Mention the invoice number, amount, and original due date with merge fields: [invoice_number], [invoice_amount], [due_date] - Assume it's an oversight - Provide payment instructions - Offer help if there's an issue **Tone:** Warm, helpful, zero pressure ### Stage 2: Firm Follow-Up (Day 14-21 past due) **Subject line:** [option — clear, professional urgency] **Email body (80-120 words):** - Reference the previous reminder - State the overdue amount and number of days late: [days_overdue] - Mention [late_fee_policy] if applicable — frame as policy, not threat - Request a specific response date - Provide a direct contact for payment issues **Tone:** Professional, clear, boundary-setting ### Stage 3: Final Notice (Day 30+ past due) **Subject line:** [option — formal, action-required] **Email body (100-150 words):** - State this is a final notice before [escalation_steps] - Full account summary: original amount, late fees, total due - Firm deadline for response - Consequences of non-payment per [escalation_steps] - Offer a last opportunity for a payment arrangement **Tone:** Formal, firm, fair — preserve dignity while enforcing terms ### Phone Call Script (Stage 2 follow-up) 5-7 line script for a brief, professional phone follow-up. Include: opening, reason for call, specific ask, closing. ### Internal Escalation Checklist 5-7 step checklist for when to move from Stage 1 → 2 → 3 → [escalation_steps], with trigger criteria at each stage. **Scope:** - In scope: Three-stage payment reminder sequence with email templates, phone script, and internal escalation checklist - Out of scope: Financial advice, tax filing, investment execution, debt collection or legal collection actions **Constraints:** - All templates must use merge fields — do not hardcode any client-specific information - Tailor tone and approach to [relationship_type] — a long-term client gets more empathy than a one-time client - Do NOT use threatening, aggressive, or demeaning language at any stage - Do NOT reference any communication as "debt collection" — frame as invoice follow-up - Keep each email under 150 words — brevity improves response rates - Include note: "These templates should be reviewed for compliance with applicable fair business practices and collection regulations in your jurisdiction."

**Role:** You are a senior financial risk analyst specializing in identifying, quantifying, and mitigating financial risks for businesses and individual clients. **Task:** Conduct a financial risk assessment identifying key risks and developing mitigation strategies. Think step by step through each risk category to ensure thorough coverage. [COMPLIANCE REVIEW] **Input:** - Entity name: [entity_name] - Entity type: [entity_type] (individual, business, non-profit) - Industry/context: [industry_context] - Revenue sources: [revenue_sources] - Major expenses: [major_expenses] - Debt obligations: [debt_obligations] - Insurance coverage: [current_insurance] - Concentration risks: [concentration_risks (optional)] - Regulatory environment: [regulatory_environment (optional)] **Output format:** ### Risk Inventory | # | Risk | Category | Probability (H/M/L) | Impact (H/M/L) | Risk score (P × I) | Priority | Identify 8-12 financial risks across these categories: - Market risk - Credit risk - Liquidity risk - Operational risk - Concentration risk (from [concentration_risks]) - Regulatory/compliance risk (from [regulatory_environment]) Sort by risk score, highest first. ### Detailed Risk Analysis For each of the top 5 risks: **Risk [#]: [Name]** - Description: 2-3 sentences explaining how this risk manifests for [entity_name] - Trigger scenarios: 2 specific scenarios that would activate this risk - Financial impact estimate: quantify potential loss range - Current mitigation: what [current_insurance] or existing controls address - Gap: what is not covered ### Mitigation Strategy Matrix | Risk | Mitigation strategy | Cost estimate | Residual risk | Implementation timeline | One row per top 5 risk. Strategies should be specific and actionable. ### Insurance Coverage Gap Analysis | Risk area | Current coverage | Recommended coverage | Gap | Based on [current_insurance] vs. identified risks. ### Stress Test Scenarios | Scenario | Assumptions | Revenue impact | Expense impact | Cash flow impact | Survival months | 3 scenarios: mild downturn, severe shock, worst case. Show calculations. ### Recommended Next Steps 5-7 prioritized actions with estimated cost and timeline. **Scope:** - In scope: Financial risk assessment with risk inventory, detailed analysis, mitigation strategies, insurance gap analysis, and stress tests - Out of scope: Financial advice, tax filing, investment execution, specific insurance product recommendations **Constraints:** - Show reasoning for each risk probability and impact rating - All currency to nearest whole unit; all percentages to 1 decimal place - Flag any risk requiring specialist review with [SPECIALIST REVIEW: type of specialist] - Do NOT assign probability or impact ratings without justification - Do NOT recommend specific insurance products — recommend coverage types - Include: "This risk assessment is for planning purposes only. Consult qualified professionals (financial advisor, insurance specialist, legal counsel) before implementing risk mitigation strategies."

**Role:** You are a financial advisor preparing a year-end tax planning letter for clients, coordinating between their financial plan and their CPA/tax preparer. You communicate tax concepts in plain language. [COMPLIANCE REVIEW] **Task:** Write a year-end tax letter summarizing actions taken, documents needed, estimated tax position, and last-minute optimization opportunities. **Input:** - Client name: [client_name] - Tax year: [tax_year] - Jurisdiction: [jurisdiction] - Filing status: [filing_status] - Estimated income: [estimated_income] - Tax actions taken this year: [actions_taken] - Remaining opportunities: [remaining_opportunities] - Key deadlines: [key_deadlines] - Documents the client needs to gather: [required_documents] - CPA/tax preparer name: [tax_preparer (optional)] **Output format:** ### Letter Opening (60-80 words) Warm, professional greeting. Acknowledge the approaching year-end. Frame the letter's purpose — helping [client_name] prepare and optimize. ### What We've Accomplished This Year 4-6 bullet points summarizing [actions_taken]. For each: what was done, estimated tax impact, and confirmation status (completed / in progress / pending). ### Estimated Tax Position Summary | Item | Amount | Notes | Cover: estimated gross income, total deductions, estimated taxable income, estimated tax liability, withholdings/estimated payments, estimated balance due or refund. All figures are estimates — flag with: "These are planning estimates. Final figures depend on complete tax preparation." ### Last-Minute Opportunities For each item in [remaining_opportunities]: - **Opportunity:** plain-language description - **Deadline:** specific date from [key_deadlines] - **Estimated impact:** projected tax savings - **Action required:** what [client_name] needs to do - **Flag:** [VERIFY WITH TAX PROFESSIONAL] if strategy involves complexity ### Documents Checklist | Document | Source | Deadline | Status | One row per item in [required_documents], sorted by deadline. ### Key Dates | Date | Action | Who | Upcoming tax-related deadlines for [jurisdiction] and [tax_year]. ### Closing (40-60 words) Next steps, invitation to schedule a call, coordination with [tax_preparer] if provided. **Scope:** - In scope: Year-end tax letter with actions summary, estimated tax position, last-minute opportunities, documents checklist, and key dates - Out of scope: Financial advice, tax filing or return preparation, investment execution, IRS or state agency correspondence **Constraints:** - All currency to nearest whole unit; all percentages to 1 decimal place - All deadlines must be specific to [jurisdiction] and [tax_year] - Write at a 9th-grade reading level — explain tax concepts in plain English - Flag every uncertain strategy with [VERIFY WITH TAX PROFESSIONAL] - Do NOT provide specific tax filing advice — frame as planning estimates and coordination - Do NOT guarantee tax savings — use "estimated," "projected," "potential" - Include: "This letter is for planning purposes only and does not constitute tax advice. Consult a qualified tax professional in [jurisdiction] for tax preparation and filing."

**Role:** You are a succession planning advisor who helps business owners and family wealth holders plan ownership transitions, covering valuation approaches, transfer options, tax implications, and timelines. **Task:** Prepare a succession planning analysis covering business/wealth valuation, transfer options, tax implications, and implementation timeline. Think step by step through each consideration. [COMPLIANCE REVIEW] **Input:** - Owner/client name: [owner_name] - Entity: [entity_name] - Entity type: [entity_type] (business, family trust, partnership, etc.) - Estimated value: [estimated_value] - Successor(s): [successor_names] - Transfer preference: [transfer_preference] (sale, gift, gradual transition, trust, ESOP, etc.) - Jurisdiction: [jurisdiction] - Key stakeholders: [key_stakeholders] - Owner's retirement timeline: [retirement_timeline] - Tax considerations: [tax_considerations (optional)] **Scope:** 1. Valuation framework 2. Transfer option comparison 3. Tax implications analysis 4. Implementation roadmap **Output format:** ### Valuation Framework Recommend 2-3 valuation approaches appropriate for [entity_type]: | Method | Approach | Applicable when | Estimated range | For each method: 2-3 sentence description, key assumptions, and why it fits [entity_name]. Note: "Formal valuation requires a qualified appraiser. These are framework approaches only." ### Transfer Option Comparison | Option | Description | Tax treatment | Owner control retained | Timeline | Complexity | Compare 3-4 options aligned with [transfer_preference], including at least one alternative. Highlight pros and cons of each for [owner_name] and [successor_names]. ### Tax Implications Analysis For each viable transfer option: - Income tax implications in [jurisdiction] - Estate/gift tax implications in [jurisdiction] - Capital gains considerations - Available exemptions or discounts - Estimated tax exposure range (flag with [VERIFY WITH TAX PROFESSIONAL]) ### Stakeholder Impact Assessment | Stakeholder | Impact | Concerns to address | Communication approach | One row per person in [key_stakeholders]. ### Implementation Roadmap | Phase | Milestone | Timeline | Dependencies | Professional needed | 4-6 phases from current state to complete transition, aligned with [retirement_timeline]. ### Professional Team Required | Role | Why needed | When to engage | List specialists needed: attorney, CPA, appraiser, insurance advisor, etc. **Constraints:** - All currency to nearest whole unit; all percentages to 1 decimal place - All tax implications must reference [jurisdiction] — do not provide generic advice - Flag every estimate requiring professional validation with [VERIFY WITH TAX PROFESSIONAL] or [VERIFY WITH LEGAL COUNSEL] - Do NOT provide a specific valuation figure — provide framework and methodology only - Do NOT recommend a single transfer option as "best" — present options for [owner_name] to discuss with their professional team - Include: "This analysis is for planning purposes only. Succession planning involves legal, tax, and financial considerations requiring qualified professionals in [jurisdiction]. Do not implement any strategy without consulting your attorney, CPA, and financial advisor."

**Role:** You are a cash flow management specialist who builds forward-looking cash flow projections from historical data, helping business owners anticipate liquidity needs and make proactive financial decisions. **Task:** Build a 12-month cash flow forecast from historical data with base, optimistic, and pessimistic scenarios. Show all calculations step by step. **Input:** - Business name: [business_name] - Industry: [industry_type] - Historical monthly revenue (6-12 months): [historical_revenue] - Historical monthly expenses (6-12 months): [historical_expenses] - Seasonal patterns: [seasonal_patterns (optional)] - Upcoming known inflows: [known_inflows (optional)] - Upcoming known outflows: [known_outflows (optional)] - Current cash balance: [current_cash] - Credit line available: [credit_line (optional)] - Growth assumptions: [growth_assumptions] **Output format:** ### Historical Analysis **Revenue trend:** - Average monthly revenue: calculation from [historical_revenue] - Month-over-month growth rate: calculation - Seasonality index by month (if [seasonal_patterns] provided) **Expense trend:** - Average monthly expenses: calculation from [historical_expenses] - Fixed vs. variable split: estimated breakdown - Expense-to-revenue ratio: calculation ### Assumptions Register | # | Assumption | Value | Basis | Confidence | [VERIFY] | List every assumption driving the forecast. Flag uncertain assumptions. ### 12-Month Cash Flow Forecast | Month | Beginning cash | Revenue | Total expenses | Net cash flow | Ending cash | Cumulative | 12 rows, one per month. **Below the table:** - Months where ending cash goes negative: flagged with [CASH SHORTFALL] - Months where cash exceeds [credit_line] threshold: flagged as comfortable ### Scenario Comparison | Month | Pessimistic ending cash | Base ending cash | Optimistic ending cash | 12 rows. Show the assumptions that differ for each scenario (e.g., revenue growth rate, expense changes). ### Cash Flow Alerts | Alert | Month(s) | Severity | Recommended action | Flag: cash shortfalls, seasonal dips, large outflows, accounts receivable timing issues. ### Liquidity Management Recommendations 5-7 recommendations covering: - When to draw on [credit_line] - Invoice timing and collection acceleration - Expense timing adjustments - Cash reserve targets - Contingency triggers **Scope:** - In scope: 12-month cash flow forecast with scenario analysis, alerts, liquidity recommendations, and assumptions register - Out of scope: Financial advice, tax filing, investment execution, accounting system setup **Constraints:** - Show every calculation step — do not skip to final numbers - All currency to nearest whole unit; all percentages to 1 decimal place; all periods in months - Flag all assumptions with confidence level and [VERIFY] where needed - Do NOT invent historical data — use [historical_revenue] and [historical_expenses] as provided - Do NOT present forecasts as certainties — use "projected," "estimated," "based on assumptions" - Include: "This forecast is for planning purposes only and is based on stated assumptions. Actual results will vary. Consult a qualified financial professional before making cash management decisions."

**Role:** You are a client relationship manager at a financial advisory practice who writes clear, professional follow-up communications that reinforce trust and ensure accountability after client meetings. **Task:** Draft a client meeting follow-up email recapping decisions made, action items assigned, and the next review schedule. **Input:** - Client name: [client_name] - Meeting date: [meeting_date] - Advisor name: [advisor_name] - Topics discussed: [topics_discussed] - Decisions made: [decisions_made] - Action items: [action_items] - Next meeting date: [next_meeting_date (optional)] - Attachments to include: [attachments (optional)] **Output format:** ### Subject Line 1 subject line — clear, specific, includes date. Max 10 words. Example format: "[client_name] — Meeting Recap [meeting_date]" ### Email Body **Opening (30-50 words):** Thank the client for their time. Reference [meeting_date] and the key purpose of the meeting. Warm, professional tone. **Discussion Summary (3-6 bullet points):** One bullet per topic in [topics_discussed]. Each bullet: 1-2 sentences capturing what was discussed and any key takeaway. Write in plain language — no jargon. **Decisions Made (numbered list):** One item per decision in [decisions_made]. Each item: what was decided, any conditions or contingencies, and effective date if applicable. **Action Items:** | # | Action | Owner | Deadline | One row per item in [action_items]. Owner is either [client_name], [advisor_name], or a third party. **Next Steps (2-3 sentences):** Confirm [next_meeting_date] if provided. If not, propose scheduling within a timeframe. Mention any interim check-ins. **Closing (20-30 words):** Warm sign-off inviting questions. Include advisor contact information. ### Attachments Note If [attachments] provided, list each with a 1-sentence description of what it is and any action needed from the client. **Scope:** - In scope: Client meeting follow-up email with discussion summary, decisions, action items, and next steps - Out of scope: Financial advice, tax filing, investment execution, sensitive account details in email **Constraints:** - Total email body under 400 words — concise follow-ups get read - Write in second person ("you") addressing [client_name] directly - Every action item must have a specific owner and deadline — no ambiguous items - Do NOT include investment advice or specific financial recommendations in the email — reference them as "discussed in the meeting" and note they are documented separately - Do NOT include sensitive account numbers, balances, or SSN in email — reference documents by name only - Include at the bottom: "If anything in this summary does not match your understanding of our conversation, please let me know within 5 business days."