Financial Wealth Management

Provide comprehensive wealth management support including client reviews, financial planning, portfolio analysis, rebalancing, tax-loss harvesting, and clien...

paudyyin@paudyyin

Install

openclaw skills install @paudyyin/financial-wealth-management

wealth-management

Wealth management and financial advisory tools: client reviews, financial planning, portfolio analysis, and client reporting

来源

来自 Anthropic 官方 financial-services 仓库的 wealth-management 插件。原始仓库: https://github.com/anthropics/financial-services

可用命令 (Commands)

client-report

description: Generate a client performance report argument-hint: "[client name] [period, e.g. Q4 2025]"

Load the client-report skill to generate a professional client-facing performance report.

If a client and period are provided, use them. Otherwise ask for client details and reporting period.

client-review

description: Prep for a client review meeting argument-hint: "[client name]"

Load the client-review skill and prepare a client meeting package with performance, allocation, and talking points.

If a client name is provided, use it. Otherwise ask who the meeting is with.

financial-plan

description: Build or update a financial plan argument-hint: "[client name]"

Load the financial-plan skill to create or update a comprehensive financial plan covering retirement, education, estate, and cash flow projections.

If a client name is provided, use it. Otherwise ask for client details.

rebalance

description: Analyze drift and generate rebalancing trades argument-hint: "[client name or account]"

Load the portfolio-rebalance skill to analyze allocation drift and recommend tax-aware rebalancing trades.

If a client or account is provided, use it. Otherwise ask for the portfolio to analyze.

tlh

description: Identify tax-loss harvesting opportunities argument-hint: "[client name or account]"

Load the tax-loss-harvesting skill to scan taxable accounts for harvestable losses, suggest replacement securities, and manage wash sale windows.

If a client or account is provided, use it. Otherwise ask for the portfolio to scan.

底层技能 (Skills)

client-review

name: client-review description: Prepare for client review meetings with portfolio performance summary, allocation analysis, talking points, and action items. Pulls together account data into a concise meeting-ready format. Use before quarterly reviews, annual checkups, or ad-hoc client meetings. Triggers on "client review", "meeting prep for [client]", "quarterly review", "prep for [client name]", or "client meeting".

Client Review Prep

Workflow

Step 1: Client Context

Gather or look up:

Client name and household members
Account types: Taxable, IRA, Roth, 401(k), trust, etc.
Total AUM across accounts
Investment Policy Statement (IPS): Target allocation, risk tolerance, constraints
Life stage: Accumulation, pre-retirement, retirement, legacy
Last meeting date and any outstanding action items

Step 2: Portfolio Performance

For each account and the household aggregate:

Metric	QTD	YTD	1-Year	3-Year	Since Inception
Portfolio return
Benchmark return
Alpha

Performance Attribution:

Which asset classes / positions drove returns?
Top 3 contributors and top 3 detractors
Any outsized single-position impact?

Step 3: Allocation Review

Current vs. target allocation:

Asset Class	Target	Current	Drift	Action
US Large Cap
US Mid/Small
International Developed
Emerging Markets
Fixed Income
Alternatives
Cash

Flag any drift exceeding the IPS rebalancing threshold (typically 3-5%).

Step 4: Talking Points

Generate a meeting agenda:

Market overview (2-3 min): Brief macro context and outlook
Portfolio performance (5 min): How did we do? Why?
Allocation review (5 min): Any rebalancing needed?
Planning updates (5-10 min):

financial-plan

name: financial-plan description: Build or update a comprehensive financial plan covering retirement projections, education funding, estate planning, and cash flow analysis. Use for new client onboarding, annual plan reviews, or scenario modeling. Triggers on "financial plan", "retirement plan", "can I retire", "education funding", "estate plan", "cash flow analysis", or "plan update".

Financial Plan

Workflow

Step 1: Client Profile

Gather or confirm:

Demographics: Age, spouse age, dependents, life expectancy assumptions
Employment: Current income, expected raises, retirement age target
Accounts: All investment accounts with balances and asset allocation
Income sources: Salary, bonuses, rental income, Social Security estimates, pensions
Expenses: Current annual spending, expected changes (mortgage payoff, kids' independence)
Liabilities: Mortgage, student loans, other debt
Insurance: Life, disability, LTC, health
Estate: Wills, trusts, beneficiary designations, gifting strategy

Step 2: Cash Flow Analysis

Build annual cash flow projections:

Year	Age	Gross Income	Taxes	Living Expenses	Savings	Net Cash Flow

Key inputs:

Inflation rate assumption (typically 2.5-3%)
Tax rate (marginal and effective)
Savings rate and where savings are directed (pre-tax, Roth, taxable)

Step 3: Retirement Projections

Accumulation Phase:

Current portfolio value
Annual contributions (401k, IRA, taxable)
Expected return by asset class
Monte Carlo simulation: probability of success at various spending levels

Distribution Phase:

Required annual spending in retirement (today's dollars → inflation-adjusted)
Social Security start age and benefit
Pension income (if any)
Portfolio withdrawal rate and sequence
Required Minimum Distributions (RMDs)

Key Output:

Projected por