Summarise a Financial Adviser Suitability Report

A suitability report is meant to show the advice fits you, but it's written to be signed, not scrutinised. This summarises and challenges it across five areas: what's recommended and why, how well the adviser links it to your actual situation, the costs, the risks and the alternatives they skated over. You can question the advice properly before you commit to it.

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You have received a suitability report from a financial adviser recommending a product or strategy. You need to assess whether the recommendation genuinely suits your situation.
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**Summarise and critique the report across five areas:**
1. The recommendation: what product or strategy is being recommended and why
2. Suitability argument: how the adviser links the recommendation to your stated needs, risk tolerance, and time horizon
3. Costs and charges: what is the total cost disclosed, and are any costs not clearly stated
4. Conflicts of interest: does the adviser receive commission or any benefit from this recommendation
5. Red flags: gaps in the justification that suggest the advice may not be fully in your interest
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- Five clearly labelled sections
- A final "questions to ask your adviser" list of three targeted questions
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