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Four checks, separate from the writer.
Each finding shows which check raised it. You decide every finding.
Evidence & grounding
Factual claims · quantitative claims · supplied evidence · decision facts
Costs & conflicts
Conflicts · costs · disclosures · client-first rationale
Risk & best-interest fit
Downside cases · liquidity · time horizon · concentration
Alternatives & tradeoffs
Reasonable alternatives · staged actions · material tradeoffs