Made for Financial Planners
Lead a Difficult Tradeoff Conversation
Also useful for: people in Finance
60 min
Advanced
Decisions
Have a Money Conversation
Comparing Financial Options
Prepare and lead a financial planning conversation when the client's goals exceed the money, time, or risk capacity available.
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Use this when
A client wants several goals at once, but current cash flow, assets, timing, debt, or risk limits make the full plan unrealistic.
You'll need
- Client context
- Goals in tension
- Resource constraint
- Planning options
- Known nonnegotiables
- Likely resistance
- Decision needed
- Meeting format
You'll get
- The binding resource constraint stated plainly
- Material fact gaps separated from confirmed facts
- Each viable option compared on consistent criteria
- Likely resistance addressed with neutral questions
- Conversation opening and decision checkpoints prepared
- Client choice, rationale, and unresolved issues documented
By the end of this playbook
You will have:
- The binding resource constraint stated plainly
- Material fact gaps separated from confirmed facts
- Each viable option compared on consistent criteria
- Likely resistance addressed with neutral questions
- Conversation opening and decision checkpoints prepared
- Client choice, rationale, and unresolved issues documented
Sample
This is sample data, not your prompt. Pro unlocks this higher-stakes Playbook. On Free Playbooks you can still copy the assembled prompt into any AI.
Sample input
Client context: I have worked with a married couple for four years. Both attend meetings and care about family support and retirement security. Goals in tension: Retire in seven years, contribute $160,000 toward two children's college costs, and buy a $90,000 vacation property within three years. Resource constraint: Available annual savings is about $48,000, while current projections require about $72,000. Liquid nonretirement assets are limited. Planning options: Delay retirement, reduce college support, postpone the property purchase, or make smaller changes to all three goals. Known nonnegotiables: No borrowing against the primary home. Retirement by age 65 is described as essential by one spouse. Likely resistance: They believe years of disciplined saving should make all three goals possible. Reducing college support feels like breaking a promise. Decision needed: Agree on which goal to reduce or delay. Meeting format: Video meeting
Sample assembled prompt
Reality check: The plan is short... The decision isn't whether the... Opening: "You've built three goals around... The current plan doesn't support... Would it be all right if... Follow-up: Record the selected adjustment, update...