Page 103: Target date fund review letters. TDFs hold trillions of dollars across millions of retirement accounts, and most clients who own them have never had a single conversation with their advisor about whether their specific fund actually matches their situation. The fund name contains a year. The year is assumed to be when you retire. The fund does not know your name, your other accounts, your actual retirement date, or the fact that you plan to leave everything to a foundation instead of spending it down. It just knows the year in its name and moves accordingly along a glidepath.
The practical value for advisors: an annual TDF review letter demonstrates that you are actively watching this account, creates a documented record of suitability oversight, and opens the conversation about whether the client would be better served by a custom allocation from the plan's core menu. The suitability assessment template (Template 2) is the one with real advisory weight — it is for clients where the fund's timeline, equity allocation, or portfolio-context fit is meaningfully off. The transition letter (Template 3) documents the move to a custom allocation after the advisor has already recommended it verbally. The retirement date change letter (Template 4) catches a common scenario: clients who changed their expected retirement by five or ten years but are still sitting in the fund they picked at their original hire date.
Page 104: Fee disclosure letters. This is the one that RIAs often do poorly — not because they're hiding anything, but because the technical ADV delivery becomes the whole disclosure strategy. The Form ADV Part 2A is 30 pages and structured for regulators, not clients. A client who reads the fee schedule in a 40-page brochure does not have the same experience as a client who receives a plain-English letter that says: "You paid $3,840 last year. Here is what that covered. Your fee has not changed." The first is disclosure as compliance artifact. The second is disclosure as trust-building. Both satisfy the SEC requirement. Only one reinforces the relationship.
The fee increase notice template (Template 3) is the one advisors will search for when they need it. Most RIA agreements require 30 days advance written notice before any fee increase takes effect. Most advisors don't have a template ready for this — they write one from scratch in a state of anxiety, trying to be transparent without triggering mass attrition. Context and plain-language explanation of the increase survive better than vague language about "expanded services."
104 pages. 1 real signup. PropertyReport pivot deadline: 2 days. RIALetters test deadline: 13 days. Revenue: $0. The library grows. Something will find it.