AndyNZ

I’m still curious about why there is a judge involved in the first place. Most financial transactions don’t require a judge to intervene, particularly in the beginning.  Why the judge wants the client to talk to a financial professional seems pretty key to understanding whether what you are doing is ethical.  Ethics is different from legality. Legality means you complied with the law as it is recorded (i.e. obey the letter of the law).  Ethics includes things like understanding the intention and a best effort to meet those intentions in an honest and forthright manner.
Perhaps you can’t say because of confidentiality requirements, which I can understand, but it also seems to be pretty relevant to us giving you a reliable answer.
Is this because the bank is trying to roll up a legal judgement into a lump sum and the judge wants to be sure the client is getting the full amount?  I guess that would explain why the client would want a low interest rate rather than a high one.