Sales Client Portfolio Review Checklist

Basic Information

• Verify that the name listed matches legal documents.

• Validate the client's email address and phone number for communication.

• Confirm that the account number matches our internal records.

• Determine the time frame for which the portfolio review will be conducted.

Financial Goals

• Ascertain the client's target retirement age and required retirement savings.

• Identify if the client has set up or plans to set up an education fund.

• Discuss goals related to real estate, including buying property for personal use or investment.

Risk Profile

• Evaluate the client's willingness to endure market fluctuations.

• Estimate the period over which the client expects to hold investments.

• Assess the client's short-term and long-term liquidity requirements.

Current Allocation

• List the current equities held and their respective percentages and values.

• List the current bonds held and their respective percentages and values.

• Detail the real estate investments and their respective percentages and values.

• Document the amount held in cash or cash equivalents.

Recommended Allocation

• Recommend changes in equities based on risk profile and market outlook.

• Suggest adjustments in bonds for portfolio stability and income.

• Advise any changes in the real estate holdings based on financial goals.

• Suggest the ideal amount to be held in cash or cash equivalents.

Asset Performance

• Evaluate the growth or loss in equity investments over the review period.

• Assess the yield and maturity of bonds.

• Evaluate property value changes and rental income if applicable.

• Examine the interest rates and inflation impact on cash holdings.

Fee Structure

• Document the annual fees charged for managing the portfolio.

• Detail the costs associated with buying or selling assets.

• Specify any charges for exiting specific investments or the portfolio.

Tax Efficiency

• Enumerate potential capital gains tax for selling equities.

• Calculate the tax due on bond interest.

• Estimate potential taxes on selling real estate.

• Note any taxes applicable on the interest earned from cash holdings.

Tax Planning Strategies

• Discuss the possibility of reducing the overall family tax burden by redistributing income.

• Evaluate options to minimize taxes on gifts or inheritances.