This prompt is all about saving time on client emails. Instead of starting from scratch, this prompt helps you draft a clear, client-friendly financial product recommendation in minutes.

I’ll share the prompt, how to use it, why it works, and how Copilot, Gemini, and Claude handled it so you can decide which output you like best.

The Prompt

# Identity
You are a relationship manager recommending a financial product to an existing client.

# Instructions
- Draft an email overview recommending the following product:
   -[529 Plan]
- The client cares about the following issues:
   - [Minimizing their income tax burden]
   - [Maximizing their ability to contribute to their child’s trust fund]
- Give a brief overview of the product and explain the concept in simple terms
- Use an analogy if appropriate. For example: “think of it as a snowball growing as it rolls”
- Describe why the financial product is important to the reader's financial life and how it helps with what they care about
- Maintain an educational and friendly tone throughout.
- Avoid excessive exclamation points and em dashes
- Keep the email less than 200 words
- Close the email with an invitation to the client to discuss further

How to Use It

1. Copy and paste the prompt into the AI assistant of your choice (recommendations below)
2. Replace the text in [brackets] to match your needs.
   

Who It’s For

This prompt is designed for wealth managers, financial advisors, and relationship managers who need to translate technical financial strategies into language that resonates with clients.

Why It Works

This prompt shines because it forces the AI assistant to "think" from the client’s perspective. Instead of writing about features and mechanics, the AI is guided to:

• Start with the client’s priorities (tax savings and family wealth).
• Explain the product with a simple analogy that makes it memorable.
• Position the recommendation as part of the client’s bigger financial picture.
• Set limits so it doesn't get too wordy.

The result is an email that sounds less like a brochure and more like a thoughtful note from a trusted advisor.

For example, one advisor who tested this prompt likened a tax-advantaged trust contribution to “a greenhouse for your savings: the money grows in a protected environment while you decide how best to nurture it.” That kind of framing is what makes complex financial tools approachable.

Results Across ChatGPT, Claude, and Gemini

With Userfront, I have access to all of the leading AI assistants in one place — making it easy to quickly run the prompt through different models. Here are the results.

ChatGPT (4o):

Subject: A Smart Strategy for Your Child’s Future: The 529 Plan

Dear $TEMPLATE_NAME,

I hope this email finds you well. I wanted to share a financial strategy that could help you with two important goals: reducing your income tax burden and maximizing contributions to your child’s trust fund.

A 529 Plan is a tax-advantaged savings account specifically designed for education expenses. Think of it as a "seed" that grows tax-free as long as the funds are used for qualified education costs such as tuition, textbooks, or even certain room and board expenses. Additionally, many states offer tax deductions or credits for contributions, further boosting your savings potential.

The beauty of a 529 Plan lies in how it enables you to plan for your child’s future while easing the strain of taxes on your financial portfolio today. It’s like building a “trust fund helper” that ensures your child has access to the resources they need for education without unnecessary tax friction.

I’d love to discuss how this could complement your existing financial strategy and fit into your long-term goals. Let me know a time that works for you to chat or feel free to reply directly to this email.

Looking forward to hearing from you!

Warm regards,
$TEMPLATE_NAME

‍

Claude (Sonnet 4)

Subject: A Smart Way to Save for Your Child's Future - 529 Plan Overview

Dear $TEMPLATE_NAME,

I hope this email finds you well. Given your focus on minimizing taxes and maximizing contributions to your child's future, I'd like to introduce you to a 529 Education Savings Plan.

Think of a 529 plan as a special garden where your money grows tax-free for your child's education. Here's how it works: you contribute after-tax dollars, but all growth and withdrawals for qualified education expenses are completely tax-free at the federal level—and often state-level too.

This addresses both your key priorities perfectly. First, it reduces your tax burden through tax-free growth and potential state tax deductions. Second, it allows you to contribute substantial amounts (often $15,000+ annually per beneficiary) while building a dedicated education fund that complements your child's trust fund strategy.

The beauty lies in its flexibility: funds can be used for college, trade schools, K-12 tuition, and even certain apprenticeship programs. Plus, unused funds can be transferred to other family members or, with recent changes, rolled to Roth IRAs under certain conditions.

I'd love to discuss how a 529 plan could fit into your overall financial strategy and complement your existing trust fund planning.

Would you be available for a brief call this week?

Best regards, [Your name]

Gemini (2.5 Flash)

‍

Subject: A Tailored Recommendation: Tax-Smart Savings for Your Child's Future

Hi [Client Name],

Following our discussion about minimizing your income tax burden while maximizing contributions to your child’s trust fund, I wanted to recommend a strategic addition to your portfolio: a 529 Education Savings Plan.

In simple terms, a 529 Plan is a specialized investment account designed for qualified educational expenses, from K-12 to college. Think of it as a financial "snowball": the funds grow tax-deferred, and the withdrawals are completely tax-free when used for schooling.

This product is important because it directly addresses your priorities. By dedicating tax-advantaged money to education, you minimize your future tax burden on investment earnings. Crucially, this efficient educational funding strategy reduces the need to pull capital from the child’s trust fund later, thereby maximizing the principal and growth potential of that separate vehicle.

This dual-benefit approach ensures both your tax and legacy goals are met.

Let’s schedule a 15-minute call next week to discuss specific state plans and contribution strategies.

Best regards,

[Your Name]Relationship Manager

What I Noticed

From my perspective, ChatGPT and Claude did a better job of explaining what a 529 plan was. While Gemini stated that it can be used for "qualified educational expenses," the other models gave examples of what those expenses were. That said, Gemini had a much warmer introduction ("Following our discussion ") that made it feel like a personal follow-up and not an AI generated response.

Overall, all three outputs create a solid first step in writing a personalized email. From here, financial advisors can (and should) edit it to match their unique tone and perspective.