Client Report
description: Generate professional client-facing performance reports with portfolio returns, allocation breakdowns, and market commentary. Suitable for quarterly or annual distribution. Triggers on "client report", "performance report", "quarterly report for [client]", "generate reports", or "client statement".
Workflow
Step 1: Report Parameters
- Client name and household
- Reporting period: Quarter, YTD, annual, custom range
- Accounts: All accounts or specific account
- Benchmark: S&P 500, 60/40 blend, custom benchmark matching IPS
- Firm branding: Logo, colors, disclaimers
Step 2: Performance Summary
Household Summary:
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QTD |
YTD |
1-Year |
3-Year Ann. |
5-Year Ann. |
ITD Ann. |
| Portfolio |
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| Benchmark |
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| +/- |
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By Account:
| Account |
Type |
Value |
QTD |
YTD |
Benchmark |
| Joint Taxable |
Brokerage |
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|
| John IRA |
Traditional |
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| Jane Roth |
Roth IRA |
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| 529 Plan |
Education |
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| Total |
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Step 3: Allocation Overview
Current allocation with visual (pie chart or bar chart):
| Asset Class |
% of Portfolio |
$ Value |
Benchmark % |
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Step 4: Holdings Detail
| Security |
Asset Class |
Shares |
Price |
Value |
% of Portfolio |
QTD Return |
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Step 5: Market Commentary
Brief market summary tailored to the client's level of sophistication:
- What happened in markets this quarter (2-3 sentences)
- How it affected the portfolio
- Outlook and positioning rationale (2-3 sentences)
- No jargon for retail clients; can be more technical for sophisticated investors
Step 6: Activity Summary
- Trades executed during the period
- Contributions and withdrawals
- Dividends and interest received
- Fees charged
- Rebalancing activity
Step 7: Planning Notes
- Progress toward financial goals (retirement, education, etc.)
- Any plan changes or recommendations
- Upcoming action items
- Next review date
Step 8: Output
- PDF report (8-12 pages) with firm branding
- Word document for customization
- Excel data appendix (optional)
Report Structure:
- Cover page (client name, period, firm logo)
- Executive summary (1 page)
- Performance summary (1-2 pages)
- Allocation overview with charts (1 page)
- Holdings detail (1-2 pages)
- Market commentary (1 page)
- Activity summary (1 page)
- Planning notes (1 page)
- Disclosures and disclaimers (1 page)
Important Notes
- Performance must be calculated net of fees unless client/compliance requires gross
- Always include appropriate disclaimers and disclosures (past performance, risk factors)
- Reports should be consistent across clients — use a standard template
- Match the level of detail to the client — some want every holding, others want a one-page summary
- Benchmark selection matters — use the benchmark from the IPS, not whatever looks best
- Review for compliance approval before first distribution of a new template
Hermes Profile Notes
This skill was packaged from pi-financial-services source path plugins/vertical-plugins/wealth-management/skills/client-report for the Hermes financial-services profile. Use institutional data connectors first when available, cite sources, and stage outputs for qualified human review.
Common Pitfalls
- Do not present drafts as investment, legal, tax, or accounting advice.
- Do not use web search as the primary source when an institutional MCP/data connector is available.
- Do not execute transactions, contact clients, post to a ledger, or approve onboarding. Stage outputs for review.
Verification Checklist
1---2name: client-report3description: Use when financial-services work requires client Report.4license: MIT5---67# Client Report89description: Generate professional client-facing performance reports with portfolio returns, allocation breakdowns, and market commentary. Suitable for quarterly or annual distribution. Triggers on "client report", "performance report", "quarterly report for [client]", "generate reports", or "client statement".1011## Workflow1213### Step 1: Report Parameters1415- **Client name** and household16- **Reporting period**: Quarter, YTD, annual, custom range17- **Accounts**: All accounts or specific account18- **Benchmark**: S&P 500, 60/40 blend, custom benchmark matching IPS19- **Firm branding**: Logo, colors, disclaimers2021### Step 2: Performance Summary2223**Household Summary:**2425| | QTD | YTD | 1-Year | 3-Year Ann. | 5-Year Ann. | ITD Ann. |26|---|-----|-----|--------|-------------|-------------|----------|27| Portfolio | | | | | | |28| Benchmark | | | | | | |29| +/- | | | | | | |3031**By Account:**3233| Account | Type | Value | QTD | YTD | Benchmark |34|---------|------|-------|-----|-----|-----------|35| Joint Taxable | Brokerage | | | | |36| John IRA | Traditional | | | | |37| Jane Roth | Roth IRA | | | | |38| 529 Plan | Education | | | | |39| **Total** | | | | | |4041### Step 3: Allocation Overview4243Current allocation with visual (pie chart or bar chart):4445| Asset Class | % of Portfolio | $ Value | Benchmark % |46|------------|---------------|---------|-------------|47| | | | |4849### Step 4: Holdings Detail5051| Security | Asset Class | Shares | Price | Value | % of Portfolio | QTD Return |52|----------|-----------|--------|-------|-------|---------------|-----------|53| | | | | | | |5455### Step 5: Market Commentary5657Brief market summary tailored to the client's level of sophistication:58- What happened in markets this quarter (2-3 sentences)59- How it affected the portfolio60- Outlook and positioning rationale (2-3 sentences)61- No jargon for retail clients; can be more technical for sophisticated investors6263### Step 6: Activity Summary6465- Trades executed during the period66- Contributions and withdrawals67- Dividends and interest received68- Fees charged69- Rebalancing activity7071### Step 7: Planning Notes7273- Progress toward financial goals (retirement, education, etc.)74- Any plan changes or recommendations75- Upcoming action items76- Next review date7778### Step 8: Output7980- PDF report (8-12 pages) with firm branding81- Word document for customization82- Excel data appendix (optional)8384**Report Structure:**851. Cover page (client name, period, firm logo)862. Executive summary (1 page)873. Performance summary (1-2 pages)884. Allocation overview with charts (1 page)895. Holdings detail (1-2 pages)906. Market commentary (1 page)917. Activity summary (1 page)928. Planning notes (1 page)939. Disclosures and disclaimers (1 page)9495## Important Notes9697- Performance must be calculated net of fees unless client/compliance requires gross98- Always include appropriate disclaimers and disclosures (past performance, risk factors)99- Reports should be consistent across clients — use a standard template100- Match the level of detail to the client — some want every holding, others want a one-page summary101- Benchmark selection matters — use the benchmark from the IPS, not whatever looks best102- Review for compliance approval before first distribution of a new template103104## Hermes Profile Notes105This skill was packaged from `pi-financial-services` source path `plugins/vertical-plugins/wealth-management/skills/client-report` for the Hermes financial-services profile. Use institutional data connectors first when available, cite sources, and stage outputs for qualified human review.106107108## Common Pitfalls1091. Do not present drafts as investment, legal, tax, or accounting advice.1102. Do not use web search as the primary source when an institutional MCP/data connector is available.1113. Do not execute transactions, contact clients, post to a ledger, or approve onboarding. Stage outputs for review.112113114## Verification Checklist115- [ ] Inputs, assumptions, dates, and currencies are explicit.116- [ ] Numbers tie across tables, models, decks, and memos.117- [ ] Sources are cited and institutional data is preferred where available.118- [ ] Output is labeled draft / for human review where appropriate.
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