Client Report

Workflow

Step 1: Report Parameters

Client name and household
Reporting period: Quarter, YTD, annual, custom range
Accounts: All accounts or specific account
Benchmark: S&P 500, 60/40 blend, custom benchmark matching IPS
Firm branding: Logo, colors, disclaimers

Step 2: Performance Summary

Household Summary:

| | QTD | YTD | 1-Year | 3-Year Ann. | 5-Year Ann. | ITD Ann. | |---|-----|-----|--------|-------------|-------------|----------| | Portfolio | | | | | | | | Benchmark | | | | | | | | +/- | | | | | | |

By Account:

| Account | Type | Value | QTD | YTD | Benchmark | |---------|------|-------|-----|-----|-----------| | Joint Taxable | Brokerage | | | | | | John IRA | Traditional | | | | | | Jane Roth | Roth IRA | | | | | | 529 Plan | Education | | | | | | Total | | | | | |

Step 3: Allocation Overview

Current allocation with visual (pie chart or bar chart):

| Asset Class | % of Portfolio | $ Value | Benchmark % | |------------|---------------|---------|-------------| | | | | |

Step 4: Holdings Detail

| Security | Asset Class | Shares | Price | Value | % of Portfolio | QTD Return | |----------|-----------|--------|-------|-------|---------------|-----------| | | | | | | | |

Step 5: Market Commentary

Brief market summary tailored to the client's level of sophistication:

What happened in markets this quarter (2-3 sentences)
How it affected the portfolio
Outlook and positioning rationale (2-3 sentences)
No jargon for retail clients; can be more technical for sophisticated investors

Step 6: Activity Summary

Trades executed during the period
Contributions and withdrawals
Dividends and interest received
Fees charged
Rebalancing activity

Step 7: Planning Notes

Progress toward financial goals (retirement, education, etc.)
Any plan changes or recommendations
Upcoming action items
Next review date

Step 8: Output

PDF report (8-12 pages) with firm branding
Word document for customization
Excel data appendix (optional)

Report Structure:

Cover page (client name, period, firm logo)
Executive summary (1 page)
Performance summary (1-2 pages)
Allocation overview with charts (1 page)
Holdings detail (1-2 pages)
Market commentary (1 page)
Activity summary (1 page)
Planning notes (1 page)
Disclosures and disclaimers (1 page)

Important Notes

Performance must be calculated net of fees unless client/compliance requires gross
Always include appropriate disclaimers and disclosures (past performance, risk factors)
Reports should be consistent across clients — use a standard template
Match the level of detail to the client — some want every holding, others want a one-page summary
Benchmark selection matters — use the benchmark from the IPS, not whatever looks best
Review for compliance approval before first distribution of a new template

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不自动安装依赖、修改系统权限、创建持久化任务或执行下载内容。
涉及发送、发布、删除、付款、部署或其他外部写入时，先展示目标与影响并取得用户明确确认。
凭据只用于用户指定的对应官方服务，不回显、不记录，也不转发到无关地址。
命令和代码默认作为参考；只有用户明确要求执行且目标范围清楚时才可运行。

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