How should I prepare unexplained statement entries for adviser review?

Preserve the original record

Save the complete statement from the bank or provider, including account name, period, currency and opening and closing balances. Do not edit the source document. Make a separate working copy or schedule that identifies each unclear entry, transaction date, posting date, description and amount as recorded. Redact unrelated sensitive details only when sharing securely and with the adviser's agreement.

Search for supporting material such as invoices, receipts, platform reports, transfer confirmations, exchange documentation or messages. Compare nearby entries and check whether a transaction may be a grouped payment, fee, reversal or currency conversion, but label any explanation as provisional until supported. Never invent a category to make accounts balance. Note when you first noticed the item and what checks have already been made.

Send the material through an agreed secure channel and ask the adviser what further evidence is useful. A qualified accountant can advise on bookkeeping, source-of-funds evidence and tax records; a financial adviser can consider any relevance to an investment plan. If a transaction appears unauthorised or fraudulent, contact the bank promptly through its official route and follow its reporting advice. Keep a record of conclusions, evidence and any unresolved discrepancy.