Suitability obligations require advisers to match recommendations to client risk profile, objectives, experience, and loss capacity. Suitability obligations require advisers to ensure advised investments match the client's risk profile and objectives, backed by a documented investment selection process reflecting the client's financial situation; advisers must understand product risks and have a reasonable basis that recommendations meet objectives, that clients can bear related risks consistent with their tolerance, and that clients have the experience and knowledge to comprehend risks. For complex products, advisers must reasonably assess that structure and risk-reward align with the client's experience, objectives, risk appetite and loss absorbing capacity.