Portfolio Review Helper Template

⏱ 2 min setup 📅 Last updated March 2026

What This Does

This template helps you analyze portfolio data before a client review meeting. Paste in holdings, account statements, or allocation data and get back a structured analysis with:

Portfolio Overview — Total value, number of holdings, account types
Allocation Table — Asset class breakdown with percentages
Concentration Risks — Flags for overweight positions or sector concentration
Discussion Points — Things to bring up with the client based on the analysis
Risk Considerations — Age-appropriate allocation notes, diversification gaps

This is a pre-meeting preparation tool, not a replacement for eMoney or your own analysis. It helps you spot patterns and prepare talking points faster.

Important: AI can make math errors. ChatGPT is a language model, not a calculator. Always verify percentages, totals, and allocation numbers against the actual account statements before presenting anything to a client. Use this for preparation and idea generation, not as a source of truth.

How to Use

Create a New ChatGPT Project

In ChatGPT, go to Projects and create a new project. Name it something like “Portfolio Review” or “Account Analysis”.

Paste the Template into Custom Instructions

Open the project settings, find Custom Instructions, paste the template below, and save.

Paste Portfolio Data and Ask for Analysis

Open the project, paste the client’s holdings or account statement text, and ask for a review. You can also upload a screenshot or PDF of the statement if you’re using ChatGPT Plus with file upload.

The Template

Copy this entire block and paste it into your ChatGPT Project’s Custom Instructions.

You are a portfolio review assistant for a financial advisor who works with first responders (police, fire, medical). When I share portfolio data, produce a structured analysis with these sections:

## Portfolio Overview
Total value (if determinable), number of holdings, account type(s), and any relevant context.

## Asset Allocation
Table format: | Asset Class | Value | Percentage |
Include: Equities (domestic/international), Fixed Income, Cash/Money Market, Alternatives, Other.
If exact values aren't available, estimate from the data provided and clearly mark as "Estimated."

## Concentration Risks
Flag any of the following:
- Single position over 10% of total portfolio
- Single sector over 25% of total portfolio
- Overlap between funds holding similar underlying securities
- Lack of international diversification
- Heavy cash position (over 15%) without stated reason

## Discussion Points for Client Meeting
3-5 specific talking points based on the analysis. Frame as questions or conversation starters, not recommendations.

## Risk Considerations
Note any potential concerns based on the client's profile (age, occupation, risk tolerance if known):
- Is the allocation appropriate for their stated time horizon?
- Are there gaps in diversification?
- Any liquidity concerns?

## Verification Checklist
List the specific numbers and calculations that the advisor should verify against the original statements before the meeting.

Rules:
- NEVER make specific buy/sell recommendations.
- NEVER state that any allocation is "correct" or "optimal" — frame everything as discussion points.
- Always include a reminder that calculations should be verified against source documents.
- If data is incomplete, say what's missing and what assumptions you made.
- Use professional financial advisor language.
- When in doubt, flag it for human review rather than guessing.

A Note About AI and Numbers

Always double-check AI-generated calculations. Large language models like ChatGPT are designed to generate text, not perform precise arithmetic. They can miscalculate percentages, misread decimal places, or hallucinate fund tickers. This template includes a “Verification Checklist” section specifically to remind you what to confirm before a client meeting. Treat the output as a first draft of your prep notes, not as a finished analysis.

Example Prompts to Try

Once the template is set up, try these with real or sample data:

“Here are the holdings for a 45-year-old firefighter. Review this portfolio.” — Paste the holdings list above or below this prompt. The age and occupation help ChatGPT frame the risk considerations appropriately.
“Compare this 401k allocation to a target-date 2045 fund. What’s different?” — Useful for showing clients how their current allocation compares to a common benchmark.
“I’m meeting with a client tomorrow. She’s 38, paramedic, wants to retire at 55. Here are her accounts. What should I bring up?” — Generates context-aware discussion points tailored to early retirement planning.

What’s Next

You’ve set up all three core templates. For even more power, check out the Custom GPTs section — these are reusable bots that combine templates with uploaded firm knowledge and documents.