Made for Financial Advisors
Run a Plan-Fit Review After Life Changes
Also useful for: people in Finance
75 min
Advanced
Decisions
Make a Financial Decision
Comparing Financial Options
Turn changes in goals, cash flow, timing, and risk into a documented plan-fit decision without relying on market predictions.
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Use this when
A client reports a major life, income, spending, liquidity, or goal change that may affect the current investment strategy.
You'll need
- Client change
- Current plan snapshot
- Goal changes
- Cash flow changes
- Time horizon changes
- Risk capacity evidence
- Emotional tolerance evidence
- Constraints and dependencies
- Options under consideration
- Compliance requirements
You'll get
- The triggering change and decision scope defined
- Confirmed facts separated from assumptions and missing information
- Prior and current planning assumptions compared
- Risk capacity and emotional tolerance assessed separately
- Stay, rebalance, and revise pathways tested
- The smallest sufficient change identified
By the end of this playbook
You will have:
- The triggering change and decision scope defined
- Confirmed facts separated from assumptions and missing information
- Prior and current planning assumptions compared
- Risk capacity and emotional tolerance assessed separately
- Stay, rebalance, and revise pathways tested
- The smallest sufficient change identified
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 change: The primary earner lost a job six weeks ago. Current plan: Retirement at 62, no withdrawals for nine years, six months of reserves, and a 70/30 allocation. Goal changes: Retirement remains the priority; a vacation-home purchase can be delayed. Cash flow: Household income fell by $85,000, spending is $9,200 per month, and reserves cover seven months. Time horizon: Up to $60,000 may be needed within 12 months. Risk capacity: Reduced by the income loss and possible withdrawal. Emotional tolerance: The client wants half of the portfolio moved to cash. Constraints: Low-basis employer stock and a pending health coverage decision. Options: Sell half, create a targeted liquidity reserve, rebalance, or make no change. Compliance: Updated risk documentation and written approval are required.
Sample assembled prompt
Recommendation status: Proceed after verification. Plan-fit finding: The long-term retirement goal... Financial risk capacity is temporarily lower. Emotional tolerance is also strained, but... Smallest sufficient change: Confirm the severance,... If confirmed, establish a defined 12-month... Rebalance only if the remaining portfolio... Don't revise the long-term allocation... Review triggers: A new job, reserves...