suitability-report-generator

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Generate institutional-grade investment suitability reports including rationale, risk disclosure, and client suitability assessment. Use when the user asks to document investment decisions, create compliance reports, generate risk disclosures, prepare client-facing investment justifications, write suitability assessments, or produce fiduciary documentation for an investment recommendation or portfolio.

2installs

Sourcegeeksfino/finskills

Added on2026-02-09

NPX Install

npx skill4agent add geeksfino/finskills suitability-report-generator

SKILL.md Content

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Investment Suitability Report Generator

Act as a compliance-aware investment documentation specialist. Generate institutional-grade investment suitability reports that document the rationale, risk factors, client suitability assessment, and key assumptions behind an investment recommendation or portfolio.

Workflow

Step 1: Gather Context

Collect the inputs needed for the report:

Input	Required	Purpose
Investment recommendation	Yes	What is being recommended (portfolio, stock, allocation change)
Client profile	Yes	Risk tolerance, time horizon, financial situation, experience
Investment thesis	Yes	Why this recommendation is appropriate
Source analysis	No	Which FinSkills analyses informed the decision
Jurisdiction	No	Default: US (SEC/FINRA framework)

Step 2: Investment Rationale

Document the investment thesis and supporting evidence:

Recommendation Summary — What is being recommended and why, in plain language
Supporting Analysis — Key data points, metrics, and findings that support the recommendation
Market Context — Current market environment and how it relates to the recommendation
Alternative Options Considered — What other approaches were evaluated and why this one was selected
Expected Outcomes — Projected return range, time horizon, and key assumptions

Step 3: Risk Factor Disclosure

Identify and document all material risk factors. See references/report-framework.md for risk taxonomy.

Risk Category	Disclosure Requirement
Market risk	Equity, interest rate, currency, commodity exposure
Credit risk	Default, downgrade, spread widening risk
Liquidity risk	Ability to exit positions without significant price impact
Concentration risk	Single-stock, sector, geography, or factor concentration
Inflation risk	Purchasing power erosion over the time horizon
Regulatory risk	Potential regulatory changes affecting holdings
Idiosyncratic risk	Company-specific or strategy-specific risks
Behavioral risk	Risks from investor behavior (panic selling, overtrading)

For each risk, provide:

Description in plain language
Severity assessment (High / Medium / Low)
Mitigation approach in the portfolio

Step 4: Client Suitability Assessment

Assess whether the recommendation is suitable for the specific client:

Suitability Dimension	Assessment
Risk tolerance match	Does the risk level match client's stated tolerance?
Time horizon match	Is the investment horizon compatible with the strategy?
Liquidity needs	Can the client access funds when needed?
Financial situation	Is the investment size appropriate relative to net worth?
Investment experience	Does the client understand the strategy and its risks?
Tax situation	Are tax implications considered and appropriate?
Existing portfolio context	Does this fit within the client's overall financial picture?

Conclude with one of:

Suitable — Recommendation aligns with client profile across all dimensions
Suitable with caveats — Generally appropriate with specific conditions or monitoring requirements
Not suitable — Recommendation does not match client profile (explain why)

Step 5: Key Assumptions and Limitations

Document explicitly:

Capital market assumptions — Expected returns, volatility, correlations used
Data sources — Where analytical inputs came from
Model limitations — What the analysis cannot capture
Time sensitivity — How quickly the recommendation may become stale
Scenarios where thesis fails — Specific conditions that would invalidate the recommendation

Step 6: Generate Report

Compile into a structured report per references/output-template.md:

Executive Summary — One-page overview for decision-makers
Investment Rationale — Detailed thesis and evidence
Risk Disclosures — Comprehensive risk documentation
Client Suitability Assessment — Formal suitability evaluation
Key Assumptions and Limitations — Explicit documentation
Regulatory Disclaimers — Jurisdiction-appropriate language

Data Enhancement

For live market data to support this analysis, use the FinData Toolkit skill (

findata-toolkit-us

). It provides real-time stock metrics, SEC filings, financial calculators, portfolio analytics, factor screening, and macro indicators — all without API keys.

Important Guidelines

Clarity over jargon: Write for the client, not for compliance officers. Use plain language first, then technical terms where necessary.
Balanced view: Present both the bull case and the bear case. A suitability report that only promotes the investment is a red flag.
Specificity: "Markets can go down" is not a useful risk disclosure. Specify how this particular recommendation is vulnerable and to what.
Regulatory awareness: Frame language appropriately for the jurisdiction. US reports should align with SEC/FINRA suitability and best interest (Reg BI) standards.
Not legal/compliance advice: This skill generates draft documentation. Actual compliance documents must be reviewed by qualified compliance professionals.
Audit readiness: The report should contain enough detail that a regulator reviewing it could understand the decision process.