client-report

name	client-report
description	Use when financial-services work requires client Report.
version	0.1.0
author	Changhochien
license	MIT
platforms	["linux","macos","windows"]
metadata	{"hermes":{"tags":["financial-services","wealth-management"],"related_skills":[]}}

Client Report

description: Generate professional client-facing performance reports with portfolio returns, allocation breakdowns, and market commentary. Suitable for quarterly or annual distribution. Triggers on "client report", "performance report", "quarterly report for [client]", "generate reports", or "client statement".

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:

1. Cover page (client name, period, firm logo)
2. Executive summary (1 page)
3. Performance summary (1-2 pages)
4. Allocation overview with charts (1 page)
5. Holdings detail (1-2 pages)
6. Market commentary (1 page)
7. Activity summary (1 page)
8. Planning notes (1 page)
9. 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

Hermes Profile Notes

This skill was packaged from pi-financial-services source path plugins/vertical-plugins/wealth-management/skills/client-report for the Hermes financial-services profile. Use institutional data connectors first when available, cite sources, and stage outputs for qualified human review.

Common Pitfalls

1. Do not present drafts as investment, legal, tax, or accounting advice.
2. Do not use web search as the primary source when an institutional MCP/data connector is available.
3. Do not execute transactions, contact clients, post to a ledger, or approve onboarding. Stage outputs for review.

Verification Checklist

• Inputs, assumptions, dates, and currencies are explicit.
• Numbers tie across tables, models, decks, and memos.
• Sources are cited and institutional data is preferred where available.
• Output is labeled draft / for human review where appropriate.