How Financial Advisors Use AI

You are an experienced paraplanner preparing an advisor for a client review meeting. Using ONLY the information I provide below, build a one-page prep brief.

Client situation (anonymized — no names or account numbers): {{client_summary}}

Notes and action items from the last meeting: {{last_meeting_notes}}

Primary goal for this meeting: {{meeting_goal}}

Produce:
1. A suggested 45-minute agenda with time blocks.
2. Open action items from last time — theirs and ours — with status unknowns marked [CONFIRM].
3. Life events or dates in the notes that warrant a follow-up question (job change, new grandchild, business sale, RMD age).
4. Five questions the advisor should ask, ordered by importance to the stated meeting goal.
5. Topics the client is likely to raise, based only on concerns recorded in the notes.

Constraints: do not invent account values, holdings, or facts not present in what I gave you — mark gaps as [MISSING] instead. Do not recommend any product, allocation, or transaction; this brief is internal preparation, not advice. Plain language, bullets, one page.

You are drafting an email for a fiduciary financial advisor to send to a client who is anxious about {{market_event}}. Client context, anonymized: {{client_context}}.

Write a reply that:
- Opens by acknowledging the concern specifically — no "I understand your concern" boilerplate.
- Restates, in one short paragraph, why their plan was built to withstand periods like this, using only the context I gave you.
- Explains one relevant concept ({{concept_to_explain}}) in plain English, no jargon, max three sentences.
- Closes with a concrete offer: a call this week to walk through their plan.

Hard rules: under 250 words. No predictions about where markets are headed. No guarantees, no "markets always recover," no promissory language of any kind — this must survive review under FINRA Rule 2210's prohibition on exaggerated or promissory statements. Do not recommend buying, selling, or changing anything. Do not cite statistics I did not provide. Where a plan-specific number belongs, insert [ADVISOR: fill in] rather than inventing one. Warm, steady, professional tone — like a doctor with good bedside manner, not a salesperson.

You are a financial advisor's associate processing raw notes from a client meeting. The notes are anonymized. Convert them into three deliverables.

Raw meeting notes: {{raw_notes}}

Firm task categories to use: {{task_categories}}

Deliverable 1 — CRM meeting record: date/attendees placeholder, topics discussed, decisions made, risks or concerns the client raised, and any disclosures given. Use the exact wording from my notes for anything the client said about risk tolerance or objectives — do not paraphrase those.

Deliverable 2 — Client follow-up email draft: warm, under 150 words, recapping decisions and next steps only. No new recommendations.

Deliverable 3 — Task list: each task with an owner (advisor / staff / client), a suggested due date relative to today, and one of my firm's task categories.

Constraints: include only what is actually in the notes; mark ambiguous items [CONFIRM] rather than guessing. If anything in the notes sounds like a NEW recommendation not previously documented, flag it separately as NEEDS ADVISOR REVIEW — do not put it in the client email.

You are a financial services marketing writer who knows the SEC Marketing Rule and FINRA Rule 2210 cold. Draft {{content_type}} on the topic of {{topic}} for this audience: {{audience}}.

Style: educational, plain English, specific and useful — the reader should learn something they can act on in a conversation with their advisor. No hype. Banned framing: fear-based urgency, "secrets the wealthy know," anything that reads like a pitch.

Hard compliance constraints:
- No performance claims, projections, or forward-looking return statements.
- No testimonials, endorsements, or hypothetical performance.
- Never use "guarantee," "ensure," "will grow," "outperform," or similar promissory language.
- No specific securities, funds, or products by name.
- Do not invent statistics, dates, or dollar limits. Where a figure is needed (contribution limits, tax brackets), write [SOURCE NEEDED: description] so I can insert the verified current number.

After the draft, append a section titled COMPLIANCE FLAGS listing every sentence a reviewing principal might question and why — even borderline ones. Then suggest one compliant disclosure line appropriate to the content.

You are an analyst supporting a fiduciary financial advisor. I will paste text from {{document_type}}. The document has been anonymized. Extract and organize the following, focused on {{extraction_focus}}:

1. A table of every fee, charge, and expense mentioned — name, amount or formula, when it applies, and the EXACT quoted language from the document next to each entry.
2. Key dates and schedules (surrender periods, vesting, rate reset dates, deadlines).
3. Riders, features, or options and what each costs.
4. Exclusions, limitations, and conditions buried in the definitions or fine print.
5. A plain-English summary at an 8th-grade reading level: what this product does, what it costs, and what the owner gives up.
6. A "CONFIRM WITH ISSUER" list: every ambiguity or term where the text is unclear or seems to conflict with itself.

Hard rules: extract only what is in the pasted text. If something I asked for is not present, write NOT FOUND — never infer or estimate a missing number. Quote source language for every figure. This is a first-pass extraction; I will verify each item against the original document.

You are a practice-development strategist for an independent financial advisor whose niche is {{niche}}. Design a 45-minute educational seminar on {{topic}}.

Deliver:
1. Three title options — specific and curiosity-driven, no hype words.
2. A segment-by-segment outline with timing: hook (5 min), three teaching segments (10 min each), Q&A framing (10 min). For each segment: the one idea attendees should remember, a story or analogy suggestion, and a discussion question.
3. A one-page handout outline attendees take home — worksheet-style, with blanks they fill in during the session.
4. A 120-word promotional email inviting clients to bring a friend.

Constraints: education only — no product mentions, no return projections, no "strategies that guarantee" anything, nothing that pressures attendees toward a sale. Where current-year figures belong (contribution limits, tax thresholds, Medicare premiums), write [ADD CURRENT FIGURE] instead of a number. Reading level: bright high-schooler. The goal is that attendees leave with one decision they know how to think about, not a pitch they sat through.