Sales Client Portfolio Review Checklist

Document Created By: [Name of Creator]

Contact Information: [Your Company Email], [Your Company Number]

Date: [Date]

This Client Portfolio Review Checklist is designed to facilitate a comprehensive analysis and evaluation of a client's financial portfolio. The checklist serves as an instrument for advisors to systematically review key aspects that impact the portfolio's performance and to ensure that it is aligned with the client's objectives.

Client Information

Basic Information

Verify that the name listed matches legal documents.

Validate the client's email address and phone number for communication.

Confirm that the account number matches our internal records.

Determine the time frame for which the portfolio review will be conducted.

Financial Goals

Ascertain the client's target retirement age and required retirement savings.

Identify if the client has set up or plans to set up an education fund.

Discuss goals related to real estate, including buying property for personal use or investment.

Risk Profile

Evaluate the client's willingness to endure market fluctuations.

Estimate the period over which the client expects to hold investments.

Assess the client's short-term and long-term liquidity requirements.

Asset Allocation

Current Allocation

List the current equities held and their respective percentages and values.

List the current bonds held and their respective percentages and values.

Detail the real estate investments and their respective percentages and values.

Document the amount held in cash or cash equivalents.

Recommended Allocation

Recommend changes in equities based on risk profile and market outlook.

Suggest adjustments in bonds for portfolio stability and income.

Advise any changes in the real estate holdings based on financial goals.

Suggest the ideal amount to be held in cash or cash equivalents.

Investment Review

Asset Performance

Evaluate the growth or loss in equity investments over the review period.

Assess the yield and maturity of bonds.

Evaluate property value changes and rental income if applicable.

Examine the interest rates and inflation impact on cash holdings.

Fee Structure

Document the annual fees charged for managing the portfolio.

Detail the costs associated with buying or selling assets.

Specify any charges for exiting specific investments or the portfolio.

Tax Implications

Tax Efficiency

Enumerate potential capital gains tax for selling equities.

Calculate the tax due on bond interest.

Estimate potential taxes on selling real estate.

Note any taxes applicable on the interest earned from cash holdings.

Tax Planning Strategies

Discuss the possibility of reducing the overall family tax burden by redistributing income.

Evaluate options to minimize taxes on gifts or inheritances.

For further details, please contact:

Portfolio Manager:

[Manager Name]

[Manager Email]

Document Compiled on: [Date Compiled]

Review Date: [Review Date]