Annual Review Suitability — Annetts & Orchard

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Drafts are deleted automatically 90 days after they were last saved. Only the letter is saved — not the form, uploaded documents or the Internal File Record.

Client & review

Client name(s)

Letter signed by

Joint review (two clients) — charges are labelled per client, with each client's total and a combined total

Client 1 name — as it should appear in the charges tables, e.g. John

Client 2 name

Client address (optional — printed top-left of the letter; leave blank to omit)

Plans / arrangements covered by this review

Review meeting date

Next review — basis or date

Review type

What triggered this review?

Detail (optional)

Circumstances & risk profile

Circumstances & objectives reviewed and unchanged?

Yes — unchanged No — has changed

What has changed

Attitude to risk reviewed and unchanged?

Yes — unchanged No — has changed

What has changed

Capacity for loss (internal — assessed in the Internal File Record; the client letter only refers to it in passing, if at all)

Performance & progress

Portfolio value at last review (optional)

Portfolio value now (optional)

Performance / progress notes (optional — a manual summary; not needed if you upload a performance or cashflow report below)

Suitability & charges

Review outcome — either way this letter is a suitability report; "retain" is still a recommendation

Yes — recommend retaining existing arrangements No — a change is being recommended

Recommended change

Charges breakdown (optional — fill in to guarantee exact figures; leave blank and the letter will try to extract charges from your uploaded documents/notes instead, falling back to a plain confirmation sentence if none are found. One card per product/plan — each becomes its own table in the letter, followed by a summary total)

Charges reviewed and confirmed as fair value?

Yes No / needs a note

Fair value / charges notes (optional — feeds the Internal File Record, not the client letter)

Vulnerability considerations (optional — internal only, never included in the client letter)

Tax / allowance considerations for the coming year (optional — ISA/pension allowance usage, CGT, income tax band…)

Additional adviser notes (optional)

Documents (optional)

Performance report(s) — PDF, text extracted automatically; add one per client for joint reviews

Cashflow report — PDF, text extracted automatically

Meeting notes — paste the text, or upload a .txt/.docx file below

Other supporting documents (optional — illustration, prior review letter, valuation — PDF or Word)