name: suitability-report-generator description: 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. license: Apache-2.0

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:

Step 2: Investment Rationale

Document the investment thesis and supporting evidence:

1. Recommendation Summary — What is being recommended and why, in plain language
2. Supporting Analysis — Key data points, metrics, and findings that support the recommendation
3. Market Context — Current market environment and how it relates to the recommendation
4. Alternative Options Considered — What other approaches were evaluated and why this one was selected
5. 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.

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:

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:

1. Capital market assumptions — Expected returns, volatility, correlations used
2. Data sources — Where analytical inputs came from
3. Model limitations — What the analysis cannot capture
4. Time sensitivity — How quickly the recommendation may become stale
5. 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:

1. Executive Summary — One-page overview for decision-makers
2. Investment Rationale — Detailed thesis and evidence
3. Risk Disclosures — Comprehensive risk documentation
4. Client Suitability Assessment — Formal suitability evaluation
5. Key Assumptions and Limitations — Explicit documentation
6. 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.