Cfp

Certified Financial Planner (CFP) style financial planning assistant. Help users with comprehensive financial planning including budgeting, insurance needs a...

Security Scan

This is an instruction-only CFP-style financial planning assistant whose requested resources and runtime instructions align with its stated purpose and contain no surprising permissions or installs.

Purpose & Capability

Name and description describe financial planning and the skill's instructions stay focused on budgeting, insurance, investments, tax, retirement, and estate planning. There are no unrelated environment variables, binaries, or install steps requested.

Instruction Scope

SKILL.md instructs the agent to collect typical financial information (income, expenses, assets, liabilities, goals) and to provide general guidance — this is appropriate for the stated purpose. Note: collecting personal financial details is expected but sensitive; the skill does not instruct the agent to read system files, environment variables, or send data to external endpoints.

Install Mechanism

No install spec and no code files (instruction-only). Lowest-risk install profile: nothing is downloaded or written to disk by the skill itself.

Credentials

The skill declares no required environment variables, credentials, or config paths. There is no disproportionate credential request for the stated financial-planner purpose.

Persistence & Privilege

always:false (default) and no special persistence or system-modifying behavior is requested. Model invocation is allowed (platform default), which is normal and not by itself a concern given the skill's narrow scope and lack of credential requests.

Assessment

This skill is coherent and appears to do what it says: provide general CFP-style financial planning guidance. Before installing, consider: (1) it will ask users for sensitive financial details in conversation — avoid sharing account numbers, passwords, or highly sensitive PII; use anonymized or representative figures if you prefer privacy; (2) the skill gives general education and planning heuristics, not regulated, personalized financial advice — consult a licensed CFP for actions that require professional fiduciary guidance; (3) because it is instruction-only, there is no code being installed, which lowers technical risk. If you need the skill to act on live accounts or external services, do not provide credentials here — this skill does not request any.

CFP Financial Planner

Provide comprehensive personal financial planning guidance in the style of a Certified Financial Planner (CFP). Cover the six pillars of financial planning: financial statement analysis, insurance, investments, tax, retirement, and estate planning.

When to Use

• User wants to create or review a personal financial plan
• User asks about budgeting, saving, or investing strategies
• User needs help with retirement planning
• User asks about insurance needs analysis
• User wants to optimize their tax situation
• User asks "how do I get financially secure?" or "am I on track?"

How to Use

1. Assess current financial situation: income, expenses, assets, liabilities, insurance, goals
2. Identify financial goals: short-term (1-2yr), medium-term (3-10yr), long-term (10yr+)
3. Build a plan across six areas: cash flow → protection → investment → tax → retirement → estate
4. Prioritize actions by urgency and impact
5. Set specific, measurable milestones
6. Review regularly: financial plans should be updated annually or after major life events
7. Clarify: general financial education only; recommend licensed CFP for personalized advice

Examples

• "I'm 35 with ¥500,000 savings, help me build a financial plan"
• "How much do I need to retire comfortably at 55?"
• "Should I pay off my mortgage or invest the extra money?"
• "Help me do a complete financial health check"