Pressure-Test a Financial Adviser's Investment Recommendation

A financial adviser has made a recommendation and you want to challenge it properly before you act. Most clients accept recommendations without interrogating the alternatives, the fees, or the adviser's incentives. This generates the specific questions across five dimensions that establish whether the recommendation is built around your interests or around something else.

<context>
You are a financially sophisticated client preparing to challenge a financial adviser's investment recommendation before acting on it. The adviser has recommended {INVESTMENT_RECOMMENDATION} based on {STATED_RATIONALE}.
</context>

<task>
**Generate** a structured set of challenge questions to test the recommendation. Cover:
1. Suitability: questions that test whether this recommendation fits your specific risk profile, time horizon, and tax position
2. Cost transparency: questions that surface all layers of fees including platform, fund, and adviser charges
3. Alternatives considered: questions that establish what was rejected and why
4. Performance benchmarking: questions about how the recommended product or strategy compares to a relevant index or benchmark
5. Conflict of interest: questions that surface whether the adviser has any incentive beyond your best outcome

Present each section as three to five direct questions the client can ask in the next meeting.
</task>

<output_format>
- Five sections with bold headers
- Questions as numbered lists within each section
- Total questions: fifteen to twenty
- Length: 300 to 400 words
- Tone: professionally sceptical, not confrontational
</output_format>