Generative AI is here to stay.
Financial advisors who figured this out early are already using AI to draft client emails, generate LinkedIn content, brainstorm blog topics, and personalize prospect outreach. The advisors still avoiding AI because they think it’s “too complicated” or worry about it being “not authentic enough” are putting themselves at a competitive disadvantage.
Here’s the reality: AI doesn’t replace the human judgment, relationship-building, and financial expertise that makes you valuable to clients. It handles the time-consuming tasks that keep you from doing more of what actually matters.
Writing a monthly newsletter shouldn’t take three hours. Drafting follow-up emails to prospects shouldn’t require staring at a blank screen for 20 minutes. Outlining a blog post about tax strategies shouldn’t consume your entire Saturday morning.
AI solves this. But only if you know how to talk to it.
How to Write Effective AI Prompts with Greg Brockman, President of OpenAI
Greg Brockman, President of OpenAI, shared a simple four-part structure for writing effective AI prompts. Originally developed by engineer Ben Hylak, this formula works across nearly any use case.
1. Goal – State exactly what you want the AI to produce. Be specific. “Help me with marketing” is vague. “Write three subject lines for a client check-in email about Q1 portfolio performance” is specific.
2. Return Format – Specify how you want the output structured. Do you want bullet points? Paragraph format? Three options to choose from? Email-ready copy? Tell the AI.
3. Warnings – Add guardrails. Tell the AI what to avoid, what tone to maintain, or what constraints to keep in mind. For example: “Don’t use jargon” or “Keep it under 150 words” or “Avoid mentioning specific investment products.”
4. Context Dump – Give the AI everything else it needs to understand your situation. Your niche, your ideal client, what you’ve tried before, what didn’t work. This is where you talk to the AI like you would a colleague. Don’t overthink it. Just dump the relevant context.
Most people either over-engineer their prompts (spending 20 minutes crafting the perfect request) or under-engineer them (asking vague questions and getting vague answers). The sweet spot is structured but conversational.
Now let’s apply this framework to the five areas where financial advisors waste the most time.
Client Outreach Prompts
Prompt 1: Annual Review Email
Goal: Write an email to schedule annual reviews with clients for Q1.
Return Format: Provide three email variations (casual, professional, and direct) that I can test with different client segments.
Warnings: Don’t use corporate jargon or buzzwords. Keep the email under 150 words. The tone should be warm but not overly salesy. Focus on the value of the review, not just scheduling logistics.
Context Dump: I’m a financial advisor working with pre-retirees aged 55-70. Most of my clients are hands-off and prefer I reach out proactively rather than them having to request meetings. I typically do annual reviews in February and March to discuss performance, rebalancing needs, and tax strategies before the April deadline. I want the email to feel personal and valuable, not like a mass broadcast.
Prompt 2: Year-End Tax Planning Outreach
Goal: Draft an email to existing clients offering a year-end tax planning review.
Return Format: Email subject line (3 options) plus 200-250 word email body that creates urgency without being pushy.
Warnings: Avoid doom-and-gloom language about taxes. Focus on opportunities, not fear. Don’t mention specific tax strategies in detail (that’s for the call). Include a clear call-to-action with low friction (reply to this email vs. fill out a form).
Context Dump: It’s mid-November. Many of my clients are busy professionals who procrastinate on tax planning until it’s too late to execute strategies before December 31. I want to reach out now while there’s still time to act. The goal is to book 20-minute phone calls to discuss whether tax-loss harvesting, Roth conversions, or charitable contributions make sense for their specific situation. I need the email to communicate urgency around the December 31 deadline while making the ask feel easy and valuable.
Prompt 3: Referral Request Email
Goal: Write an email asking satisfied clients for referrals in a way that doesn’t feel awkward or transactional.
Return Format: Two email versions: one for top-tier clients who love working with me, and one for satisfied clients who are less engaged.
Warnings: Don’t use language like “I’m growing my practice” or “help me reach my goals.” Focus entirely on how I can help people they care about. Keep it brief (under 100 words). Make the ask clear but low-pressure.
Context Dump: I specialize in retirement planning for healthcare professionals. My best referrals come from existing clients who introduce me to colleagues facing similar financial situations. I want the email to follow up on a recent successful interaction (like helping them with a Roth conversion that saved them significant taxes) and use that positive moment to plant the referral seed naturally. I’m comfortable being direct but don’t want to sound desperate or salesy.
Prompt 4: Cold Email to COI Partners
Goal: Write a cold outreach email to CPAs and estate attorneys to explore referral partnerships.
Return Format: Email subject line plus 150-word email body that leads to a coffee meeting.
Warnings: Don’t pitch my services directly. This is about exploring mutual referral opportunities, not asking them to send me clients immediately. Avoid generic language like “I’d love to connect” or “pick your brain.” Be specific about what I’m proposing.
Context Dump: I work with business owners and high-net-worth individuals who need comprehensive financial planning. Many of my clients also need tax and estate planning advice, so partnering with local CPAs and attorneys makes sense. I want to reach out to professionals who serve similar clients and propose a simple referral arrangement: when we encounter clients who need each other’s expertise, we make introductions. The goal is to book a 20-minute coffee meeting to discuss whether our client bases overlap and if a partnership makes sense.
Prompt 5: Dormant Client Re-engagement
Goal: Write an email to re-engage clients I haven’t spoken with in 12+ months.
Return Format: Email subject line plus 150-200 word email body that offers value without sounding desperate.
Warnings: Don’t apologize for not staying in touch. Don’t focus on what I want (to schedule a meeting). Lead with value for them. Keep the tone friendly but professional, not overly casual.
Context Dump: I have about 30 clients who opened accounts with me 1-3 years ago but have been radio silent since. They’re not actively unhappy (they haven’t moved their money), they just haven’t engaged. I want to reach out with a legitimate reason to reconnect, like offering a portfolio review or discussing how recent market changes might affect their goals. The email should feel like I’m checking in because I genuinely care about their financial situation, not because I’m trying to hit an activity quota.
LinkedIn Content Prompts
Prompt 6: Thought Leadership Post
Goal: Write a LinkedIn post about a financial planning topic that positions me as an expert without being salesy.
Return Format: 200-250 word LinkedIn post with a hook, body, and subtle call-to-action. No hashtags.
Warnings: Avoid generic advice that every financial advisor shares. Don’t use phrases like “here’s what you need to know” or “let’s dive in.” Keep the tone conversational but authoritative. Don’t pitch my services directly.
Context Dump: I want to write about a common mistake I see pre-retirees make: underestimating healthcare costs in retirement. Most people assume Medicare covers everything and are shocked when they realize how much they’ll pay out-of-pocket. I want the post to educate without scaring people, and position me as someone who helps clients plan for these expenses proactively. The goal is engagement and visibility, not direct lead generation.
Prompt 7: Client Success Story (Without Naming Clients)
Goal: Write a LinkedIn post sharing a client success story that illustrates my value without violating confidentiality.
Return Format: 250-300 word LinkedIn post structured as: problem, approach, outcome, lesson learned.
Warnings: Don’t name the client or share identifying details. Don’t include specific dollar amounts or account balances. Keep the focus on the strategy and outcome, not the numbers. Avoid self-congratulatory language.
Context Dump: I recently helped a client who was planning to retire at 65 realize they could actually retire at 62 if they adjusted their spending plan and utilized a Roth conversion ladder strategy. This completely changed their outlook on retirement and gave them three extra years of freedom. I want to share this story on LinkedIn to illustrate how strategic planning creates options, but I need to keep it general enough that the client isn’t identifiable while specific enough that it’s interesting and valuable to readers.
Prompt 8: Market Commentary Post
Goal: Write a LinkedIn post responding to recent market volatility that educates clients without predicting the future or causing panic.
Return Format: 150-200 word LinkedIn post that acknowledges the volatility, provides perspective, and reinforces long-term thinking.
Warnings: Don’t make market predictions. Don’t use fear-based language. Avoid phrases like “stay calm” or “don’t panic” which actually increase anxiety. Keep the tone measured and data-driven.
Context Dump: The market dropped 5% this week and my phone is ringing with concerned clients. I want to post something on LinkedIn that provides perspective without dismissing their concerns. Key points to hit: this level of volatility is normal historically, emotional reactions lead to poor decisions, our planning accounts for market cycles. I want clients and prospects to see this post and think “my advisor has a steady hand and understands this is part of the process.”
Prompt 9: Personal Brand Post
Goal: Write a LinkedIn post that shares something personal about me while still being relevant to my professional audience.
Return Format: 150-200 word LinkedIn post that connects a personal experience to a financial planning lesson.
Warnings: Don’t force the connection between personal story and finance. It should feel natural. Avoid oversharing or getting too personal. Keep the focus on the lesson, not the story itself.
Context Dump: I recently went on a hiking trip and realized halfway through that I didn’t bring enough water. I had to ration what I had for the second half of the hike, which made the experience less enjoyable. I see a parallel to retirement planning: people often don’t plan for their resources to last as long as they need them to. I want to write a post that shares this experience and ties it to the importance of planning for longevity in retirement, but I don’t want it to feel forced or cheesy.
Prompt 10: Question Post for Engagement
Goal: Write a LinkedIn post asking a question that generates engagement from my target audience.
Return Format: 50-75 word post with a specific, thought-provoking question that encourages comments.
Warnings: Don’t ask generic questions like “what’s your biggest financial worry?” Ask something specific that reveals something interesting about how people think about money. Avoid questions that can be answered with one word.
Context Dump: I want to boost engagement on LinkedIn by asking a question that gets people thinking and commenting. My target audience is pre-retirees and business owners. I’m looking for a question that reveals their priorities, concerns, or beliefs about retirement planning in a way that helps me understand them better and positions me as someone who thinks deeply about these topics.
Email Drafting Prompts
Prompt 11: Monthly Client Newsletter
Goal: Write a 300-400 word monthly newsletter for existing clients covering market performance, planning tips, and firm updates.
Return Format: Newsletter structure with subject line, brief intro, three short sections (market recap, planning tip, firm news), and closing.
Warnings: Don’t use jargon or technical language that requires a finance degree to understand. Keep the market recap balanced (not overly optimistic or pessimistic). Make the planning tip actionable and relevant to the current month. Keep the firm news brief and client-focused.
Context Dump: It’s January and I want to send my monthly newsletter. For market recap: December was relatively flat, 2025 ended strong despite some volatility. Planning tip should focus on Q1 tasks clients should think about (reviewing beneficiaries, maxing out IRA contributions, scheduling annual review). Firm news: I’m attending two conferences in Q1 and have limited February availability for meetings. Tone should be friendly, informative, and reinforce that I’m actively managing their financial well-being.
Prompt 12: Meeting Follow-Up Email
Goal: Draft a follow-up email after an initial prospect meeting summarizing what we discussed and outlining next steps.
Return Format: Email with brief meeting recap (3-4 bullet points), action items for them and for me, and clear next step with specific timeline.
Warnings: Don’t oversell or use pushy language. Keep the recap focused on their concerns and what they found valuable, not what I presented. Make the next steps clear and low-friction. If they mentioned concerns or objections during the meeting, acknowledge them briefly.
Context Dump: I just met with a prospect (software executive, age 48, $1.2M in assets across multiple accounts) who is interested in consolidating his accounts and getting a comprehensive financial plan. He mentioned he’s also talking to two other advisors. He seemed most interested in tax-efficient withdrawal strategies and was concerned about fees. I want the follow-up email to summarize what we discussed, address his fee concern subtly, and propose a specific next step (sending him a sample financial plan outline by end of week, then scheduling follow-up call next week to review).
Prompt 13: Client Check-In Email
Goal: Write a brief check-in email to a client I haven’t heard from in 3-4 months.
Return Format: Email subject line and 100-150 word body that opens a conversation without seeming like I’m just trying to schedule a meeting.
Warnings: Don’t lead with “just checking in” (too generic). Don’t immediately push for a meeting. Offer something of value first (relevant article, quick insight, simple question about their situation). Keep it conversational, not formal.
Context Dump: Client is a 62-year-old business owner who’s been working with me for two years. Last time we spoke was in October to discuss year-end tax strategies. He’s generally responsive but not proactive about staying in touch. I want to reach out because I saw an article about business succession planning that’s relevant to his situation, and it’s a natural conversation starter. If he responds positively, I’ll suggest a call to discuss his succession timeline and how it affects his retirement planning.
Prompt 14: Prospect Nurture Email
Goal: Write an email for prospects who downloaded my lead magnet 30 days ago but haven’t booked a consultation.
Return Format: Email subject line and 150-200 word body that provides additional value and makes a soft ask for a meeting.
Warnings: Don’t be pushy or desperate. Don’t ask “did you get a chance to review the guide?” (they probably didn’t). Lead with new value, not a reminder about the previous download. Keep the meeting ask low-commitment (15-20 minute call, not “comprehensive financial planning review”).
Context Dump: I have a lead magnet about retirement income strategies that generates about 10 downloads per month. Most people download it and never engage further. I want to send a 30-day follow-up email that provides a quick, valuable insight related to the guide’s topic (maybe a recent tax law change or a common mistake I see people make) and uses that as a natural transition to offering a brief call to discuss their specific situation. The goal is to move them from educational content consumer to active prospect.
Prompt 15: Event Invitation Email
Goal: Write an email inviting clients and prospects to a virtual webinar about retirement planning.
Return Format: Email subject line and 200-250 word invitation that creates interest without overwhelming recipients with details.
Warnings: Don’t oversell how great the webinar will be. Focus on what specific value attendees will get. Make registration easy (one-click link). Mention the date and time clearly but don’t bury the lead. Avoid corporate event language.
Context Dump: I’m hosting a 45-minute webinar on retirement income strategies, specifically covering Social Security claiming strategies, Roth conversion opportunities, and healthcare cost planning. Target audience is pre-retirees aged 55-65. Date is February 15 at 12pm EST. I want the email to create interest by highlighting the specific questions we’ll answer and the actionable strategies attendees will learn, not just listing generic topics. Registration should feel low-commitment (it’s virtual, only 45 minutes, recording available if they can’t attend live).
Blog Post & Content Prompts
Prompt 16: Blog Topic Ideation
Goal: Generate 10 blog post topic ideas for Q1 2026 that are relevant to my target audience and good for SEO.
Return Format: List of 10 topics with working title and 1-2 sentence description of what the post would cover.
Warnings: Don’t suggest generic topics that every financial advisor writes about. Focus on topics that relate to current events, tax deadlines, or specific pain points my audience faces. Consider search intent and what prospects might actually Google. Avoid topics that would require extensive disclaimers or compliance review.
Context Dump: I work with pre-retirees aged 55-70 who are focused on retirement income planning, tax efficiency, and healthcare costs. I want blog topics that address their specific concerns and questions, attract organic traffic, and position me as an expert in retirement planning. Recent topics that performed well: “When to Start Social Security” and “Roth Conversion Strategies for Pre-Retirees.” Topics that didn’t perform: generic posts about diversification or “the importance of financial planning.”
Prompt 17: Blog Post Outline
Goal: Create a detailed outline for a blog post about required minimum distributions (RMDs).
Return Format: Blog post outline with suggested headers (H2s and H3s), key points to cover under each section, target word count per section, and recommended CTAs.
Warnings: Don’t make the outline too rigid. Leave room for flexibility in the writing. Focus on what the reader needs to know (not everything I know about RMDs). Structure should flow logically from basic concept to more complex strategies. Include sections that address common questions and concerns.
Context Dump: Target audience is people approaching RMD age (73) or recently started taking RMDs. They’re confused about the rules, worried about penalties, and interested in strategies to minimize tax impact. The post should cover: what RMDs are and when they start, how to calculate RMDs, consequences of missing RMDs, strategies to reduce tax burden (QCDs, Roth conversions before RMD age), and common mistakes to avoid. Target length: 1,500-2,000 words. Should be educational but also position me as someone who can help them navigate this.
Prompt 18: FAQ Content Generator
Goal: Create a list of frequently asked questions and answers about a specific topic that I can use for website content or blog posts.
Return Format: 8-10 questions clients commonly ask about the topic, with 100-150 word answers for each. Questions should be phrased the way real people ask them (conversational, not technical).
Warnings: Don’t use overly technical language in the answers. Keep answers concise and actionable. Avoid going too deep into edge cases or complex scenarios. If the answer is “it depends,” explain what it depends on without being evasive.
Context Dump: Topic is Roth conversions. My clients are confused about when it makes sense to convert, how much to convert, what the tax implications are, and whether they should do it all at once or spread it out over multiple years. I want FAQs that address their real concerns in plain English, not technical compliance-speak. These will go on a website page dedicated to Roth conversion strategies.
Prompt 19: SEO-Optimized Introduction
Goal: Write an engaging, SEO-optimized introduction (150-200 words) for a blog post about required minimum distributions.
Return Format: Blog post introduction that includes the target keyword naturally, hooks the reader with a compelling opening, and sets up what the post will cover.
Warnings: Don’t keyword stuff. Use the target keyword once in the first 100 words naturally. Don’t start with a question (overused). Don’t use phrases like “in this article we’ll discuss.” Lead with something interesting or surprising that makes readers want to keep reading.
Context Dump: Target keyword is “required minimum distributions RMD.” The post covers what RMDs are, when they start, how to calculate them, penalties for missing them, and strategies to minimize tax impact. Target audience is people aged 70-75 who are approaching or recently started RMDs. They’re worried about making mistakes and getting hit with penalties. The introduction should acknowledge this concern while positioning the post as a helpful, clear guide.
Prompt 20: Call-to-Action Copy
Goal: Write three different CTA options for the end of a blog post about retirement planning.
Return Format: Three distinct CTAs (50-75 words each) with different approaches: direct meeting ask, lead magnet download, newsletter signup.
Warnings: Don’t be pushy or use hard-sell language. Make the value proposition clear in each CTA. Keep the friction low (easy to say yes). Avoid generic phrases like “contact us today” or “schedule a free consultation.”
Context Dump: Blog post topic is “How to Create a Retirement Income Plan That Lasts 30+ Years.” Readers are pre-retirees concerned about running out of money. For the direct CTA, I want to offer a 20-minute retirement income assessment. For lead magnet, I have a downloadable retirement income checklist. For newsletter, I send monthly retirement planning tips. Each CTA should feel like a natural next step based on the content they just read.
Prospect Follow-Up Prompts
Prompt 21: Discovery Call Follow-Up
Goal: Write a follow-up email after a discovery call with a prospect who seemed interested but didn’t commit to next steps.
Return Format: Email that recaps the call, addresses any concerns they raised, and proposes a clear next step with a specific timeline.
Warnings: Don’t sound desperate or pushy. Don’t ignore concerns they mentioned. Don’t send generic “just following up” language. Reference specific things they said during the call to show you were listening.
Context Dump: Discovery call was with a 58-year-old prospect (divorced, $800K in retirement accounts, concerned about whether she can retire at 62). She seemed interested but mentioned she’s also talking to her current advisor about creating a plan. She asked good questions about my process and fees but didn’t commit to a next meeting. I want to follow up within 24 hours, acknowledge that she’s evaluating options, and propose a specific next step (sending her a sample retirement income projection by Friday, then scheduling a follow-up call to review it the following week).
Prompt 22: Objection Handling Email
Goal: Write an email addressing a specific objection a prospect raised during our conversation.
Return Format: Email that acknowledges their concern, provides a thoughtful response with specific examples or data, and keeps the conversation moving forward.
Warnings: Don’t be defensive. Don’t dismiss their concern as invalid. Don’t oversell or make promises you can’t keep. Address the objection directly and honestly, then pivot to next steps.
Context Dump: Objection: “Your fees seem high compared to robo-advisors.” This prospect is focused on cost but doesn’t fully understand the difference between what I provide (comprehensive financial planning, tax strategies, behavioral coaching) versus what a robo-advisor provides (basic portfolio management). I want to address this without being condescending. Key points: I charge more because I provide more (tax planning alone typically saves clients 2-3x my annual fee), robo-advisors work for simple situations but not for complex planning needs, and I’m transparent about what my fee includes and what value clients get.
Prompt 23: Re-Engagement Email for Cold Prospects
Goal: Write an email to re-engage prospects who went cold 6+ months ago.
Return Format: Email subject line and 100-150 word body that offers new value and opens the door without being pushy.
Warnings: Don’t remind them that they ghosted you. Don’t guilt trip. Don’t say “I know you’re busy.” Lead with something new and valuable that gives them a legitimate reason to re-engage.
Context Dump: I have about 20 prospects from last year who had initial conversations with me, seemed interested, but never moved forward. They didn’t explicitly say no, they just stopped responding. It’s a new year and I want to give them a reason to re-engage without reminding them that they dropped off. I’m thinking about leading with something timely (new tax law, market changes, retirement planning deadline) that creates a natural reason to reach back out and see if their situation has changed or if they’re ready to move forward now.
Prompt 24: Value-Add Email (No Ask)
Goal: Write an email to prospects in my pipeline that provides value with zero ask for a meeting or next step.
Return Format: Email subject line and 150-200 word body that shares a valuable insight, article, or resource relevant to their situation.
Warnings: Don’t sneak in a meeting ask at the end. This email should be 100% value, 0% pitch. Keep it brief and specific to their situation based on what you know about them. The goal is to stay top of mind as helpful and knowledgeable, not to force a conversion.
Context Dump: I have prospects at various stages of the pipeline who aren’t ready to move forward yet. Instead of repeatedly asking for meetings (which creates pressure and pushes them away), I want to occasionally send value-add emails that keep me top of mind. Example: prospect is concerned about healthcare costs in retirement, I saw a great article about Medicare planning strategies, I want to forward it with a brief note explaining why I thought of them. No meeting ask, no pitch, just genuine helpfulness.
Prompt 25: Timeline-Based Nurture Email
Goal: Write an email for prospects who told me they’re not ready now but will be ready in 6-12 months (e.g., retiring next year, selling a business).
Return Format: Email that acknowledges their timeline, provides relevant value for where they are now, and sets expectations for when I’ll follow up again.
Warnings: Don’t push them to move faster than their timeline. Don’t disappear until their target date. Provide value that’s relevant to their current stage, not where they’ll be in 6 months. Set clear expectations about staying in touch.
Context Dump: Prospect is planning to retire in 12 months (June 2026) and wants to start working with an advisor 3-4 months before retirement to create a retirement income plan. It’s currently January 2026, so we’re about 5-6 months from when they want to engage seriously. I don’t want to lose touch for five months, but I also don’t want to pester them with meeting requests when they’ve been clear about their timeline. I want to send periodic value-add emails (maybe one per quarter) that keep me top of mind and provide relevant information for their current stage (pre-retirement planning, things to think about before retiring, etc.).
Do’s and Don’ts: Avoiding Common AI Prompting Mistakes
DO:
- Give the AI specific context about your niche, your ideal client, and your situation
- Specify the output format you want (word count, structure, number of options)
- Set clear guardrails about tone, language to avoid, and constraints
- Use AI to handle first drafts and time-consuming tasks, then add your personal touch
- Experiment with different prompts for the same task to see what works best
DON’T:
- Over-engineer your prompts by spending 20 minutes crafting the “perfect” request
- Under-engineer by asking vague questions and expecting perfect answers
- Copy/paste AI output without reviewing and personalizing it
- Use AI for tasks requiring specific compliance review without checking with your compliance team
- Forget that AI is a tool to enhance your expertise, not replace your judgment
Remember: AI prompts don’t need to be complicated. The framework is simple. What matters is giving enough context for the AI to understand what you need and being specific about what you want back.
The advisors who master AI aren’t necessarily the most technical. They’re the ones who treat it like a smart assistant: clear instructions, relevant context, specific expectations.
Get More from Your Leads
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Calculate your lead generation ROI to see how Kapitalwise complements your marketing efforts.
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