The Client Recommendation Letter is a crucial document in New Zealand's financial services industry, used when providing formal financial advice to clients under the regulated financial advice regime. It is typically prepared following client consultations and detailed analysis of their financial situation, goals, and needs. The document must comply with New Zealand's regulatory requirements, including the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. It serves multiple purposes: documenting the advice provided, explaining the reasoning behind recommendations, disclosing risks and limitations, and ensuring transparency regarding fees and conflicts of interest. The letter forms part of the adviser's compliance obligations and can be critical in demonstrating adherence to the duty of care owed to clients.
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1. Letter Header and Date: Professional letterhead, current date, and formal addressing of the client
2. Client Information: Clear identification of the client, including relevant account or reference numbers
3. Purpose Statement: Clear statement of the purpose of the recommendation and context of the advice
4. Current Situation Analysis: Summary of the client's current circumstances, needs, and objectives as discussed
5. Recommendation Summary: Clear, concise statement of the main recommendations
6. Rationale for Recommendations: Detailed explanation of why these recommendations are suitable for the client
7. Risk Disclosure: Clear explanation of relevant risks and limitations of the recommendations
8. Costs and Fees: Transparent disclosure of all associated costs and fees
9. Next Steps: Clear action points and implementation process
10. Advisor Details: Advisor's details, qualifications, and relevant licensing information
11. Signature Block: Professional closing with advisor's signature and contact information
1. Investment Strategy Details: Include when recommendation involves specific investment strategies or portfolio allocations
2. Insurance Analysis: Include when recommendation involves insurance products or risk management strategies
3. Tax Considerations: Include when recommendation has significant tax implications
4. Estate Planning Implications: Include when recommendation affects estate planning
5. Replacement Product Analysis: Include when recommending replacement of existing financial products
6. Alternative Options Considered: Include when multiple options were evaluated
7. Market Analysis: Include when recommendation is based on specific market conditions or trends
1. Risk Profile Assessment: Detailed analysis of client's risk tolerance and capacity
2. Product Disclosure Statements: Summaries or copies of relevant product disclosure statements
3. Financial Calculations: Detailed calculations supporting the recommendations
4. Investment Performance Projections: If applicable, projected returns and performance scenarios
5. Fee Schedule: Detailed breakdown of all fees and charges
6. Comparison Analysis: Comparative analysis of recommended products versus alternatives
7. Client Fact Find Summary: Summary of client information and circumstances used in forming recommendations
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Wealth Management
Investment Banking
Insurance
Banking
Professional Services
Financial Planning
Asset Management
Retirement Services
Private Banking
Relevant Teams
Advisory Services
Compliance
Legal
Risk Management
Client Services
Investment Analysis
Quality Assurance
Document Control
Professional Standards
Client Relations
Relevant Roles
Financial Adviser
Investment Consultant
Wealth Manager
Financial Planner
Compliance Manager
Risk Manager
Legal Counsel
Client Relationship Manager
Investment Specialist
Portfolio Manager
Insurance Adviser
Senior Financial Consultant
Advisory Services Director
Practice Manager
Quality Assurance Specialist
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