Client advisory note
Produce in 30-45 minutes a personalized MiFID II-compliant advisory note that would take 2-3 hours.
The advisory note formalizes advisor recommendations. It must be personalized, justified, MiFID II compliant and defendable in case of contest. AI lets you accelerate production drastically while improving argument rigor. This guide presents the compliant workflow.
Step-by-step workflow
Frame objective and client profile
Risk profile, investment horizon, objectives, financial knowledge, constraints. That's the MiFID II adequacy frame.
Structure recommendation
Have AI produce: current situation, recommendation, chiffré justification, advantages, risks, dismissed alternatives.
Justify MiFID II adequacy
For each recommendation: demonstrate adequacy to client profile, knowledge, financial capacity. That's what defends the advisor.
Quantify impacts and risks
Chiffrées simulations: expected yield, taxation, fees, capital loss risk. Always with explicit hypotheses.
Have validated and signed
Note reviewed by manager, signed by client after explanation. Keep entire chain (note, signature, used prompts).
Copyable prompts
2 tested and optimized prompts. Adapt the bracketed variables [VARIABLE] to your context.
Structured advisory note
You're a senior wealth manager. For this client: **Risk profile**: [DEFENSIVE / BALANCED / DYNAMIC] **Horizon**: [DURATION] **Objectives**: [LIST] **Saving capacity**: [MONTHLY AMOUNT] **Current wealth**: [SYNTHESIS] **Considered recommendation**: [DESCRIPTION] Produce a structured advisory note: 1. **Synthesis**: situation and identified need 2. **Recommendation**: precise description (product, amount, duration) 3. **MiFID II adequacy justification** 4. **Expected benefits**: chiffrés (yield, taxation, transmission) 5. **Risks**: nature, probability, potential extent 6. **Fees**: entry, management, exit 7. **Dismissed alternatives**: 2-3 examined options and reasons Neutral, factual, accessible tone.
Reformulation for non-initiated client
Reformulate this technical note: [NOTE] For a client unfamiliar with finance: - No jargon without definition - Accessible metaphor if relevant - Concrete chiffré example - Concrete action to take - Maximum 250 words
Top tools for this use case
Curated selection of the 3 best AI tools for client advisory note.
Why for this use case: Most precise for structured notes and MiFID II compliant formulation.
Why for this use case: For complex recommendations needing multi-level reasoning (tax, legal, transmission).
Why for this use case: Code Interpreter excellent for chiffrées simulations.
Estimated ROI
Time saved
70% on writing (30-45 min vs 2-3h)
Quality gain
Native MiFID II compliance, solid arguments, traceability
Stack cost
$30-100/month depending on solutions
Estimates based on 2026 benchmarks and user feedback. Actual ROI depends on your context.
Frequently asked questions
Can AI produce a sales argument?
Yes, but handle carefully: any argument must respect advisory duty and MiFID II adequacy. AI can produce commercial accroches that exceed this frame — always validate before use.
How to ensure regulatory compliance?
Three levers: (1) explicit 'MiFID II compliant' prompt, (2) manager review before signature, (3) traceability (prompts + final version).
Hallucinations on financial products?
Real risk on precise characteristics (fees, performance, conditions). Always verify on official KID/KIID and editor product sheets before naming a product.
Can AI-generated notes be archived?
Yes, even MiFID II obligation (5-year minimum retention). Keep: signed final note, raw AI version, used prompts. Demonstrates effective human supervision.