Client Advisory Note - Comparateur-IA

The advisory note is the deliverable formalizing the advisor's recommendations. It must be personalized, justified, MiFID II-compliant, and defensible if contested. AI allows drastically accelerating production while improving argument rigor. This guide presents the compliant workflow.

Step-by-step Workflow

Define Objective and Client Profile

Before writing: risk profile, investment horizon, objectives (capital, income, succession), financial knowledge, constraints. This is the framework for MiFID II suitability.

Structure the Recommendation

Have AI produce the framework: current situation, recommendation, quantified justification, advantages, risks, alternatives discarded. Standardized format across the firm.

Justify MiFID II Suitability

For each recommendation: demonstrate suitability to client profile, knowledge, and financial capacity. This is what defends the advisor if contested.

Quantify Impacts and Risks

Quantified simulations: expected return, taxation, fees, capital loss risk. Always in ranges with explicit assumptions.

Get Validated and Signed

Note reviewed by manager, signed by client after explanation. Preserve the entire chain (note, signature, prompts used) for traceability.

Copyable Prompts

Structured Advisory Note

You are a senior advisor. For this client:nn**Risk Profile**: [CONSERVATIVE / BALANCED / AGGRESSIVE]n**Time Horizon**: [DURATION]n**Objectives**: [LIST]n**Savings Capacity**: [MONTHLY AMOUNT]n**Current Assets**: [SUMMARY]n**Proposed Recommendation**: [DESCRIPTION]nnProduce a structured advisory note:n1. **Summary**: situation and identified needn2. **Recommendation**: precise description (product, amount, duration)n3. **MiFID II Suitability Justification**: why suitable for this profilen4. **Expected Advantages**: quantified (return, taxation, succession)n5. **Risks**: nature, probability, potential magnituden6. **Fees**: entry, management, exit, market comparisonn7. **Alternatives Discarded**: 2-3 options examined and reasonsn8. **Implementation**: steps, timeline, documents to signnnTone: neutral, factual, accessible. Mark [TO VERIFY] any uncertain data.

Investment Sales Pitch

For this recommendation:nn[RECOMMENDATION]nnFor this client:n[PROFILE]nnProduce a sales pitch:n1. **Hook**: 1 statistic or strong idea that creates interestn2. **Current Situation**: what's not working / could be bettern3. **Proposed Solution**: clear description in 3 pointsn4. **Benefits**: 3 concrete benefits for THIS clientn5. **Risks**: transparency on risks (never downplay)n6. **Anticipate Objections**: 3 likely objections + responsesn7. **Decision**: what needs approval today, what gets implemented whennnGoal: 15-minute oral presentation in meeting.

Reformulation for Non-Financial Client

Reformulate this technical note:nn[NOTE]nnFor a client unfamiliar with finance:n- No jargon (retirement accounts, funds, investment vehicles) without definitionn- Accessible metaphor if relevantn- Concrete quantified examplen- Concrete action to taken- Maximum 250 wordsnnMaintain rigor, simplify the form.

Recommended tools

Claude AI

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Assistant conversationnel d’Anthropic axé sécurité et contexte long. Excellent pour rédaction, analyse, résumés, code et agents. Interface claire, bons résultats en français.

Why : Le plus précis pour les notes structurées et la formulation MIF II conforme.

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Claude Opus 4.5

★ 4.9 (92) · 20 USD/mois

Claude Opus 4.5 : modèle premium d’Anthropic pour code, agents et tâches complexes en entreprise.

Why : Pour les recommandations complexes nécessitant un raisonnement multi-niveaux (fiscal, juridique, transmission).

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ChatGPT

★ 4.9 (528) · 20 USD/mois

Assistant conversationnel polyvalent d’OpenAI. Rédige, résume, code, traduit et répond à tout type de question.

Why : Code Interpreter excellent pour les simulations chiffrées (TRI, capitalisation, plus-values).

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Estimated ROI

Time Saved

70% on writing (30-45 min vs 2-3h)

Quality Gain

Native MiFID II compliance, solid arguments, traceability

Cost

€30-100/month depending on solutions

Frequently asked questions

Can AI produce a sales pitch?

Yes, but handle with care: all pitches must respect the duty to advise and MiFID II suitability. AI can produce sales hooks that exceed this framework — always validate before use.

How to ensure regulatory compliance?

Three levers: (1) explicit prompt 'MiFID II compliant', (2) manager review before signing, (3) traceability (prompts + final version) if contested. Compliance remains the advisor's responsibility.

Hallucinations about financial products?

Real risk on precise characteristics (fees, performance, terms). Always verify against official key information documents and product sheets before naming a product.

Can AI-generated notes be archived?

Yes, it's even a MiFID II requirement (5-year minimum retention). Keep: final signed note, raw AI version, prompts used. This demonstrates effective human oversight.

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📝 Client Advisory Note