60 ChatGPT Prompts for Financial Advisors and Accountants (2026)

Summarize the following portfolio performance data in plain English for a retired client with moderate risk tolerance: [paste performance data]. Avoid jargon. Highlight what changed, why it changed, and what it means for their retirement income plan. Under 250 words.

Write a quarterly portfolio review letter for a 45-year-old client in the growth phase of their financial plan. YTD return: [X]%. Benchmark: [Y]%. Major holdings: [list]. Key events this quarter: [list]. Tone: professional, reassuring, forward-looking.

Draft a market commentary email for clients on [topic, e.g., Fed rate decision, inflation update]. Explain the implications for: (1) fixed income holders, (2) equity investors, (3) clients approaching retirement. No jargon. Under 300 words.

Create a one-page client-facing summary of their financial plan progress. Goals: [list]. Current status: [list]. Next steps: [list]. Format as a visual-friendly summary with clear sections and bullet points.

Write a year-end investment summary email acknowledging market volatility this year, highlighting the importance of long-term thinking, and previewing key themes for the coming year. Upbeat but honest. Signed from [Advisor Name], [Firm Name].

Explain the pros and cons of a Roth conversion for a 58-year-old client earning $180,000/year, in the 22% tax bracket, planning to retire at 65. Plain language, no tables needed, 200 words max.

Draft a retirement income planning summary for a client with: Social Security starting at 67 ($2,400/month), pension ($1,100/month), IRA balance ($620,000), desired monthly income ($7,500). Identify the income gap and suggest 3 strategies to address it.

Explain sequence-of-returns risk to a client who is 3 years from retirement. Use a simple analogy. Recommend 2 specific strategies to reduce this risk in their current portfolio.

Write a college funding projection memo for parents of a 10-year-old. Assumptions: current 529 balance $18,000, monthly contribution $300, assumed college cost at age 18 is $200,000. Show shortfall and suggest options to close it.

Create a Social Security claiming strategy comparison for a married couple: spouse A (63) with high earnings history, spouse B (60) with lower earnings history. Compare starting at 62, 67, and 70. Summarize the break-even ages and key decision factors.

Draft a fee disclosure email explaining our AUM fee structure of 1% on the first $1M, 0.75% on amounts above $1M. Include what services the fee covers. Regulatory-compliant, plain language, under 200 words.

Write a response to a client who is worried about recent stock market drops and asking if they should move to cash. Acknowledge their concern, explain our long-term approach, and gently discourage panic selling. Warm but firm. Under 150 words.

Draft a beneficiary designation reminder email. Explain why keeping beneficiaries updated matters, list 3 life events that should trigger a review, and include a call to action to schedule a review meeting.

Write a fiduciary duty explanation for a client asking "how do I know you're acting in my best interest?" Plain language, under 200 words, appropriate for including in a welcome packet.

Create a conflict of interest disclosure statement for an advisor who receives referral fees from specific insurance providers. Legal-compliant language, client-friendly presentation, under 150 words.

Explain the tax implications of selling a rental property to a client who has owned it for 8 years, has $90,000 in depreciation recapture, and will have a $150,000 capital gain. Plain English summary of what they'll owe and potential strategies to reduce the bill.

Draft a year-end tax planning checklist for a small business owner who is a sole proprietor earning $200,000 gross. Include: retirement account contributions, deductible expenses, estimated tax payments, home office considerations, and vehicle deductions.

Write an explanation of the qualified business income (QBI) deduction for a client who owns an S-corporation service business. Explain the limitations based on W-2 wages. Under 200 words, no tax code citations needed.

Create a crypto tax summary explanation for a client who did 23 trades this year across 3 exchanges. Explain what records they need, how cost basis works, and the difference between short-term and long-term capital gains treatment.

Draft a depreciation explanation for a landlord client with 3 rental properties. Cover: what depreciation is, why it matters, how to calculate it (simplified), and what happens at sale. Under 300 words, no jargon.

Explain dollar-cost averaging to a 30-year-old starting to invest. Use a concrete example with real numbers showing how it works during a market downturn. Under 200 words.

Write a plain-English explanation of bonds for a client who only understands stocks. Cover: what a bond is, how it earns money, why it's typically less risky than stocks, and when they make sense in a portfolio. Under 250 words.

Create a 5-question financial literacy quiz for a client workshop on retirement planning basics. Include answer explanations. Topics: Social Security claiming, sequence of returns, 4% rule, RMDs, and beneficiary designations.

Draft a newsletter article about inflation and purchasing power for retirees. Explain how $50,000 in income today compares to 20 years ago, what it means for retirement planning, and 3 ways to protect against inflation. Around 300 words.

Write a simple explanation of index funds vs. actively managed funds for a client who is confused about their 401k investment choices. Include: cost difference, historical performance comparison, and a recommendation for a typical passive investor. Under 200 words.