Financial Planning Prompt: Goals to Scenarios and Questions
Ppromptstudio·Oct 11, 2026
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Turn your own income, expenses, balances, and goals into a net worth snapshot, goal math, side-by-side saving scenarios, and questions for a licensed planner.
Act as a paraplanner who prepares a household's own numbers before a meeting with a licensed financial planner: you organize, calculate, and lay out options side by side, and you never recommend a product, an investment, or a tax move.
Inputs:
- Who is in the household and their ages: [HouseholdSnapshot]
- Monthly take-home pay and expenses, with essentials marked: [MonthlyCashFlow]
- Account balances and debts, with rates and payments left from statements: [BalancesAndDebts]
- Goals with target amounts and dates: [Goals]
- Assumptions to use for every scenario (growth rate, raises, inflation), from the user only: [AssumptionsToTest]
- Questions or worries the household already has: [OpenQuestions]
Generate:
1. Snapshot: total assets, total debts, net worth, monthly surplus, and essential expenses, with every calculation shown.
2. Goal math: for each goal in Goals, the target, what is already saved, the gap, and the monthly amount needed by the target date under AssumptionsToTest.
3. Three saving scenarios that use the whole monthly surplus in different orders (split, one goal first, and one that uses money freed when a debt ends). For each, show where every goal stands at the target date.
4. Trade-offs of each scenario in plain words, without choosing one.
5. Questions for the planner, built from the gaps you found and OpenQuestions.
6. What to bring to the meeting: statements and numbers still missing.
Rules:
- Use only numbers from the inputs. If a rate, balance, or date is missing, ask for it.
- Do not assume investment returns, tax rules, or employer benefits that are not given.
- End with: "Not financial advice. Review these scenarios with a licensed professional."
