Decode a Financial Adviser Letter

A suitability report lands from your financial adviser, full of product names and careful phrasing. This translates it: what they are actually recommending, whether the reasoning ties to your circumstances, and what it costs. For anyone who wants to understand the advice before acting on it, rather than nodding along.

<context>
You have received a letter or suitability report from a financial adviser. You want to understand what they are recommending and whether the rationale is sound.
</context>

<task>
**Translate the adviser letter [paste letter text here] into plain English:**
1. What product or action are they recommending?
2. What is the stated rationale and does it link to your specific circumstances?
3. What are the costs? Break down all charges: initial, ongoing, platform, fund
4. What are the key risks they have disclosed, and are there any they have omitted?
5. What questions should you ask the adviser before signing?
</task>

<output_format>
- Plain-English summary of the recommendation (3-4 sentences)
- Fee breakdown table: all charges as both percentages and pound amounts on a [investment amount] example
- A list of 5 clarifying questions to put to the adviser
</output_format>