Investment Proposal

Investment Proposal

description: Create professional investment proposals for prospective clients. Covers the firm's approach, proposed allocation, expected outcomes, and fee structure. Use when pitching new clients or presenting a new investment strategy. Triggers on "investment proposal", "prospect presentation", "pitch new client", "proposal for [client]", or "new client presentation".

Workflow

Step 1: Prospect Context

Gather:

• Prospect name and household details
• Current situation: Existing advisor? Self-directed? What prompted the meeting?
• Assets: Estimated AUM, account types, current holdings (if shared)
• Goals: Retirement, wealth preservation, growth, income, education, estate
• Risk tolerance: Conservative, moderate, aggressive (or questionnaire score)
• Constraints: ESG preferences, concentrated stock, illiquidity needs
• Fee sensitivity: What are they paying now?
• Competition: Who else are they considering?

Step 2: Proposal Structure

I. About Our Firm (1 page)

• Firm overview, history, AUM
• Investment philosophy (in plain English)
• Team bios (relevant to this client)
• Client service model (how often do we meet, who do they call)

II. Understanding Your Needs (1 page)

• Restate their goals and concerns — show you listened
• Key planning considerations identified in discovery
• What success looks like for them

III. Proposed Investment Strategy (2-3 pages)

• Recommended asset allocation with rationale
• How allocation maps to their goals and risk tolerance
• Investment vehicles (ETFs, mutual funds, individual securities, alternatives)
• Tax-aware strategy (asset location, tax-loss harvesting)

Proposed allocation:

IV. Expected Outcomes (1-2 pages)

• Projected growth scenarios (conservative, moderate, optimistic)
• Monte Carlo probability of meeting goals
• Income projections (if retirement or income-focused)
• Risk metrics (max drawdown, volatility)
• Comparison to current portfolio (if known)

V. Fee Structure (1 page)

• Advisory fee schedule (tiered if applicable)
• Underlying fund expenses
• Total all-in cost estimate
• How fees compare to industry averages
• Value proposition — what they get for the fee

VI. Getting Started (1 page)

• Account opening process
• Asset transfer timeline
• Transition plan (if moving from another advisor)
• First 90 days — what to expect
• Required documents and next steps

Step 3: Customization

• Match the tone to the prospect (corporate executive vs. small business owner vs. retiree)
• If they have a concentrated stock position, address it directly
• If they're comparing you to robo-advisors, emphasize the planning and relationship value
• If they're price-sensitive, lead with total value and outcomes, not just fees

Step 4: Output

• PowerPoint presentation (12-15 slides) with firm branding
• PDF leave-behind version
• One-page summary for follow-up email

Important Notes

• The proposal should feel personalized, not templated — reference their specific situation
• Don't oversell performance — set realistic expectations and emphasize process
• Always include disclaimers (projections are hypothetical, past performance, etc.)
• The transition plan matters — clients fear the disruption of switching advisors
• Follow up within 48 hours with the proposal and a clear next step
• Compliance must review before presenting to prospects

Hermes Profile Notes

This skill was packaged from pi-financial-services source path plugins/vertical-plugins/wealth-management/skills/investment-proposal for the Hermes financial-services profile. Use institutional data connectors first when available, cite sources, and stage outputs for qualified human review.

Common Pitfalls

1. Do not present drafts as investment, legal, tax, or accounting advice.
2. Do not use web search as the primary source when an institutional MCP/data connector is available.
3. Do not execute transactions, contact clients, post to a ledger, or approve onboarding. Stage outputs for review.

Verification Checklist

• Inputs, assumptions, dates, and currencies are explicit.
• Numbers tie across tables, models, decks, and memos.
• Sources are cited and institutional data is preferred where available.
• Output is labeled draft / for human review where appropriate.