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财富顾问套件

客户风险画像、家庭财务规划、个人 IPS、适当性报告以及客户投资组合定期审查。

第 1 步

需求调研

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

    完整

    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

    完整

    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

    完整

    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)

    完整

    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

    完整

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

第 2 步

政策

  1. Individual Investment Policy Statement Template

    完整

    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
第 3 步

决策

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

    完整

    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
第 4 步

Well-Architected 评审

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

    完整

    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