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Kit de asesor patrimonial

Perfil de riesgo del cliente, plan financiero familiar, IPS individual, informe de idoneidad y revisión periódica de la cartera del cliente.

Paso 1

Descubrimiento

  1. Client Risk Profile Template (MiFID II Suitability, Reg BI)

    Completa

    Fact-find and risk profiling: classification, finances, goals, knowledge, risk tolerance vs capacity for loss, sustainability preferences, model mapping

    MiFID II Art. 25(2); Delegated Reg (EU) 2017/565 Art. 54-55; SEC Reg BI

  2. Personal Financial Plan Template

    Completa

    Household plan hub: profile, goals, cash flow, net worth, emergency fund, debt, insurance, investing, retirement, tax, estate, action plan, review

    CFPB Your Money, Your Goals; G20/OECD INFE 2016 (names)

  3. Net Worth Statement Template

    Completa

    Personal balance sheet: valuation rules, assets, liabilities, net worth and ratios, change analysis, ownership split, local equivalents

    CFPB Your Money, Your Goals (public domain)

  4. Retirement Plan Template (Gap Analysis and Withdrawal Strategy)

    Completa

    Retirement goals, spending estimate, pension and income sources, staged gap analysis, savings needed, scenarios, glide path, withdrawal strategy, local equivalents

    Time-value-of-money method; CFPB consumer guidance (public domain)

  5. Household Insurance Review Template

    Completa

    Risk ranking, policy inventory, health, life cover need (KaTeX), income protection, home rebuild cost and contents, liability, car, gaps, claims log, renewals

Paso 2

Políticas

  1. Individual Investment Policy Statement Template

    Completa

    Private-client IPS: goals, required return (KaTeX), risk limits, constraints, asset allocation ranges, glide path, rebalancing, fees, review triggers

    MiFID II Art. 25; Delegated Reg (EU) 2017/565 Art. 54; SEC Reg BI; SEC IA-5248
Paso 3

Decisiones

  1. MiFID II Suitability Report Template (Art. 25(6), Del. Reg 2017/565 Art. 54)

    Completa

    Retail suitability statement: profile used, recommendation, reasons, sustainability, risks, costs, switching, review, inducements, delivery, checklist

    MiFID II Art. 25(2), 25(6), 29a; Delegated Reg (EU) 2017/565 Art. 50, 52, 54 (as amended by 2021/1253); ESMA35-43-3172
Paso 4

Revisión Well-Architected

  1. Client Portfolio Review Template (MiFID II Periodic Report)

    Completa

    Periodic client report and review: holdings, transactions, TWR vs benchmark, IPS ranges, ex-post costs, cost effect, 10% loss alerts, goals, suitability

    Delegated Reg (EU) 2017/565 Art. 50, 54, 60, 62, 63; SEC Rule 206(4)-2