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Personal Finance & Wealth Intelligence

Name: Personal Finance & Wealth Intelligence
Author: ai-gaoqian

作者 ai-gaoqian · GitHub ↗ · v1.0.0 · MIT-0

cross-platform ✓ 安全检测通过

总下载

当前安装

版本数

在 OpenClaw 中安装

/install wealth-intelligence

功能描述

AI-powered personal finance and wealth management intelligence engine. Covers investment portfolio design (5 asset classes: cash, bonds, stocks, real estate,...

使用说明 (SKILL.md)

Personal Finance & Wealth Intelligence

Capabilities

#	Capability	Input	Output
1	Portfolio Designer	Risk tolerance + time horizon + goals	Asset allocation (stocks/bonds/cash/alt), fund selection, fee analysis, rebalancing schedule
2	Retirement Readiness Score	Current assets + savings rate + target retirement age	Projected retirement income, gap analysis, catch-up strategies, Social Security optimization
3	Tax Optimization Engine	Income + investments + location	Tax-loss harvesting opportunities, tax-efficient fund placement, deductions/credits, Roth conversion analysis
4	Debt Payoff Strategist	Debts (type, balance, APR)	Avalanche vs. Snowball comparison, payoff timeline, interest savings, consolidation options
5	Home Buying Analyzer	Market + financials	Buy vs. rent NPV analysis, mortgage rate optimization (15yr vs. 30yr vs. ARM), closing cost estimate, affordability ceiling
6	Financial Independence (FIRE) Planner	Income + expenses + savings rate	FIRE age projection, required nest egg (4% rule variants), Coast FIRE / Barista FIRE / Lean FIRE scenarios
7	Education Savings Planner	Child age + college type	529 vs. UTMA/UGMA vs. taxable comparison, projected costs, contribution schedule, state tax benefits
8	Insurance Needs Calculator	Life stage + dependents + assets	Term life coverage recommendation, disability income replacement, umbrella policy threshold, long-term care timing
9	Emergency Fund Optimizer	Monthly expenses + job security	Recommended fund size (3/6/9/12 months), high-yield savings vs. money market vs. I-bond ladder
10	Wealth Milestone Tracker	Age + net worth + goals	Age-banded benchmarks, net worth percentiles, catch-up plan, estate planning checklist

Workflow

User Query
  │
  ├─ [Step 1] Classify → financial domain + life stage (20s/30s/40s/50s/60s+) + risk tolerance
  │
  ├─ [Step 2] Data retrieval:
  │   └─ Market: Yahoo Finance, Morningstar, FRED (interest rates, inflation)
  │   └─ Real estate: Zillow/Redfin (home values, rent comps)
  │   └─ Tax: IRS brackets, contribution limits
  │   └─ Rates: Bankrate (mortgage, savings, CD rates)
  │
  ├─ [Step 3] Apply quantitative models:
  │   └─ Monte Carlo simulation (retirement probability)
  │   └─ NPV analysis (buy vs. rent)
  │   └─ Debt payoff optimization (avalanche/snowball math)
  │   └─ Tax-equivalent yield comparison
  │
  ├─ [Step 4] Generate personalized plan with sensitivity analysis
  │
  └─ [Step 5] Disclaimer: not financial advice; consult a licensed professional

Output Formats

Portfolio Allocation Model

Asset Class	Conservative	Moderate	Aggressive	Your Allocation
US Stocks	30%	45%	60%	[fill]
International Stocks	10%	20%	30%	[fill]
Bonds	50%	25%	5%	[fill]
Cash	5%	5%	0%	[fill]
Alternatives (REIT/Gold/Crypto)	5%	5%	5%	[fill]
Expected Return	5-6%	7-8%	8-10%	[calc]

Retirement Projection

Age	Savings Target	Your Projected Savings	Gap	Action
30	1× salary	$X	$X	[increase savings by Y%]
40	3× salary	$X	$X	[consider backdoor Roth]
60	8× salary	$X	$X	[catch-up contributions]
Retirement	25× annual expenses	$X	$X	[adjust retirement age]

Debt Payoff Comparison

Strategy	Payoff Date	Total Interest	Monthly Payment (fixed)	Best For
Avalanche (highest APR first)	Date X	$X,XXX	$X,XXX	Minimum interest cost
Snowball (smallest balance first)	Date Y	$X,XXX	$X,XXX	Psychological momentum
Consolidation (personal loan @ X%)	Date Z	$X,XXX	$X,XXX	Single payment convenience

Usage Guidelines

Always disclaim — this skill provides educational content, not financial advice. Include "consult a fiduciary advisor" for significant decisions.
Localize — tax brackets, retirement account types, and insurance markets vary by country; adapt to user's jurisdiction.
Data sensitivity — never store or transmit personal financial data; all calculations run in-context only.
Conservative projections — use conservative return assumptions (5-7% real for equities, 2-3% for bonds), not best-case scenarios.
Life-stage framing — advice for a 25-year-old differs fundamentally from advice for a 55-year-old.
Behavioral finance — incorporate psychological elements (loss aversion, mental accounting) in explanations.

Examples

Example 1: Portfolio Review

User: "Review my portfolio: 100% S&P 500, age 35, married, 2 kids, no debt" Output: Concentration risk flagged (no bonds, no international, no real estate); suggested allocation (70/20/10 stock/bond/international); emergency fund gap analysis; term life insurance recommendation; 529 plan start estimate for kids.

Example 2: FIRE Planning

User: "Can I retire at 45? $500K saved, save $60K/year, spend $50K/year, age 32" Output: FIRE age projection (Monte Carlo: 42-48 range at 90% confidence), required nest egg ($1.25M at 4% rule), Coast FIRE alternative (switch to lower-paying job at 38), healthcare bridge strategy (ACA subsidies), sequence-of-returns risk mitigation.

Example 3: Buy vs. Rent

User: "Should I buy a $400K house in Austin vs. keep renting at $2,200/month?" Output: NPV comparison over 7/15/30 years with interest rate sensitivity; mortgage breakdown (P&I, tax, insurance, HOA); opportunity cost of down payment invested in market; breakeven year analysis; rent increase assumptions vs. home appreciation.

Data Base: references/wealth_sources.json — 12 data sources, 5 asset classes, 5 retirement accounts (US), 5 life-stage milestones, 5 debt types. Last Updated: June 2026 Free Tier: Available. This skill provides educational financial frameworks; no proprietary advisor data accessed.

安全使用建议

Install only if you want an educational finance-planning assistant. Avoid entering unnecessary sensitive account details, treat outputs as informational rather than professional financial, tax, or legal advice, and consult a qualified fiduciary or other licensed professional before making major decisions.

能力标签

crypto

能力评估

✓ Purpose & Capability

The stated purpose is personal finance education and scenario analysis, and the artifacts consistently describe portfolio, retirement, tax, debt, real-estate, and savings guidance aligned with that purpose.

ℹ Instruction Scope

Some triggers are broad finance phrases such as retirement planning, estate planning, asset allocation, and emergency fund, but the skill also instructs agents to disclaim that outputs are educational and to recommend a fiduciary advisor for significant decisions.

✓ Install Mechanism

The package contains only SKILL.md and a JSON reference file; metadata and scans show no executable scripts, dependencies, package installs, or API key requirement.

✓ Credentials

The referenced external sources are ordinary finance, tax, market, and real-estate information sources that fit the skill's purpose; no artifact requires account access, local file access, or private profile/session data.

✓ Persistence & Privilege

The skill explicitly says not to store or transmit personal financial data and provides no mechanism for persistence, background execution, privilege escalation, or mutation of user accounts.

如何使用

确保已安装 OpenClaw（本地或 Docker 部署）
在对话框中输入安装命令：/install wealth-intelligence
安装完成后，直接呼叫该 Skill 的名称或使用 /wealth-intelligence 触发
根据 Skill 的参数说明提供必要输入，即可获得结构化输出

版本历史

v1.0.0

Initial release of the Personal Finance & Wealth Intelligence skill. - Provides AI-powered personal finance and wealth management insights across investments, retirement, tax, debt, and real estate. - Covers 10 core modules, including portfolio allocation, retirement readiness, tax optimization, debt payoff, home buying analysis, FIRE projections, and more. - Integrates data from 12 financial sources (Yahoo Finance, IRS, Zillow, etc.) for real-time contextual outputs. - Delivers personalized, scenario-based financial models with actionable benchmarks and comparisons. - Output formats include detailed tables for asset allocation, retirement projections, and debt payoff strategies. - Emphasizes educational use only—always recommend consulting a fiduciary advisor for significant decisions.

元数据

Slug wealth-intelligence

版本 1.0.0

许可证 MIT-0

累计安装 0

当前安装数 0

历史版本数 1

常见问题