Occupation manual / financial-advice operations

Let AI prepare the meeting evidence. Keep advice and decisions human.

A field manual for converting approved, minimum-necessary inputs into neutral questions and supervised handoffs—without giving advice, making recommendations, or touching client systems.

Open the evidence deskSee the route
Answer first
Use AI as a tightly bounded evidence clerk. It can organize approved generic material, list missing information, and draft neutral meeting questions. A qualified human and the firm’s actual policies retain every client-specific, advisory, supervisory, privacy, disclosure, communication, and transaction decision.
Mission outcome

Make a review packet—not a recommendation.

Output 01

Permitted-input record

Document system approval, data boundary, role/capacity question, and named reviewers before drafting begins.

Output 02

Neutral meeting board

Source-indexed agenda questions, conflicts, gaps, and escalation flags with no advice or client language.

Output 03

Supervision handoff

One review packet for compliance, privacy, and qualified professional review—still a draft.

Output 04

Stop-state receipt

“Do not use,” “insufficient evidence,” or “candidate for firm supervision review.” Nothing executes.

Field route

Six moves before any client-facing work

  1. Confirm permission and capacity. Record the approved workspace, data class, firm path, role, jurisdiction, and reviewers. Do not infer any of them.
  2. Index sources without importing sensitive detail. Preserve firm-approved versions and owners. Client-specific data stays in the approved firm system.
  3. Ask neutral questions. Turn gaps, contradictions, or “best option” requests into named-reviewer questions—not advice.
  4. Separate preparation from communication. Agendas and evidence queues are drafts. No client email, summary, disclosure, public claim, or recommendation leaves this desk.
  5. Route regulated decisions. Capacity, disclosure, privacy, supervision, product, performance, account, and transaction questions go to their authorized owners.
  6. Stop at review readiness. The desk creates a record for supervision; it never creates a plan, recommendation, trade, or approval.
Safety lock

What the AI desk may and may not do

Safe preparation

  • index approved generic source material
  • list missing facts and contradictions
  • draft neutral agenda questions
  • prepare review queues and evidence states
  • run a disconnected synthetic pilot

Human and firm authority

  • all individualized advice or recommendations
  • client data, records, disclosures, and communications
  • supervision, compliance, privacy/security, capacity
  • accounts, products, allocations, trades, and transactions
  • public AI claims, marketing, and approval
Failure modes

Do not let a polished draft become false authority.

  1. Putting NPI into a consumer tool. The desk starts with input approval; unknown means do not use.
  2. Answering “what should I do?” Turn it into a source and reviewer question; never synthesize advice.
  3. Calling the agenda client-ready. Review, firm policy, and communication controls remain separate.
  4. Claiming AI makes the practice compliant. It does not; claims about AI use also require substantiation and review.
  5. Confusing a checklist with a record of supervision. The actual firm record and reviewer process live outside this draft.
Runnable artifact

Run the 30-minute synthetic meeting-prep drill.

Use the desk to prove it blocks a fictional account pattern, “best option” request, and client-email prompt while producing a neutral review handoff.

Open Client Meeting Evidence & Approval Desk
Primary sources

Grounded in role and regulatory boundaries

  1. O*NET: Personal Financial Advisors
  2. FINRA Regulatory Notice 24-09
  3. SEC: Regulation Best Interest
  4. SEC: Regulation S-P
  5. FINRA Rule 2210
  6. SEC: AI-use representations action
  7. NIST: AI RMF

Verification limit: This is a general educational workflow, not individualized advice or a regulatory determination. Applicable state/federal rules, registration, firm supervision, products, client facts, and policies must be reviewed by qualified professionals.