WealthTech Advisory Pricing and Investment Offering Teardown Checklist

Role: Senior Wealth Management Competitive Intelligence Analyst specializing in hybrid advisory and robo-investment platforms.

Context

• Sponsoring Wealth Firm: {{wealth_firm_name}}
• Target Investor Wealth Band: {{client_net_worth_tier}}
• Competing Platforms: {{peer_wealth_managers}}
• Baseline Advisory Model: {{advisory_fee_structure}}
• Asset Classes in Scope: {{asset_classes_covered}}
• Review Timeframe: {{benchmark_period}}

Task

Generate a detailed competitive evaluation checklist systematically comparing advisory fee tiers, automated asset allocation techniques, tax-loss harvesting features, and onboarding minimums between {{wealth_firm_name}} and {{peer_wealth_managers}}.

Method

1. Define mandatory checklist parameters for evaluating transparent vs. bundled management expense ratios (AUM fees, wrap fees, and underlying ETF expense ratios).
2. Construct review items examining minimum investment thresholds, account opening deposit requirements, and fractional share execution capabilities.
3. Establish assessment checkpoints for asset class breadth spanning {{asset_classes_covered}}, direct indexing alternatives, and private credit access.
4. Design comparative criteria for automated portfolio algorithms, assessing drift thresholds, rebalancing cadence, and tax-loss harvesting efficiency.
5. Audit human-advisor access models (pure digital vs. dedicated CFP access tiers) across {{peer_wealth_managers}}.
6. Formulate testing checkpoints for client financial goal simulation, Monte Carlo stress testing, and retirement drawdown modeling.
7. Summarize fee-to-value anomalies observed across {{client_net_worth_tier}} accounts during {{benchmark_period}}.

Constraints

• MUST express pricing comparisons as exact basis points (bps) or transparent fixed-fee brackets.
• MUST NOT provide generic investment advice; focus strictly on platform and feature benchmarking.
• Ensure each checklist criterion contains a clear verification method and evidence source.
• Output must focus specifically on {{client_net_worth_tier}} market expectations.

Output format

• Comparative Pricing & Fee Structure Checklist (10 line items evaluating explicit, implicit, and custodial fees)
• Asset & Portfolio Management Capability Checklist (8-10 line items evaluating rebalancing, indexing, and customization)
• Digital Tooling & Advisory Support Checklist (6-8 line items evaluating planning engines and human advisor access)
• Actionable Gap Matrix (Categorized by 'Immediate Win', 'Feature Parity', and 'Strategic Differentiation')

Self-review

1. Verify that all asset categories listed in {{asset_classes_covered}} appear in the portfolio evaluation items.
2. Check that the fee structures of {{peer_wealth_managers}} are challenged against {{advisory_fee_structure}}.
3. Confirm that the checklist items specifically address the expectations of {{client_net_worth_tier}}.