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Kit conseiller en gestion de patrimoine

Profil de risque client, plan financier du foyer, IPS individuelle, rapport d'adéquation et revue périodique du portefeuille client.

Étape 1

Découverte

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

    Complet

    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

    Complet

    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

    Complet

    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)

    Complet

    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

    Complet

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

Étape 2

Politiques

  1. Individual Investment Policy Statement Template

    Complet

    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
Étape 3

Décisions

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

    Complet

    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
Étape 4

Revue Well-Architected

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

    Complet

    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