Personal Finance & Wealth Intelligence

Other

AI-powered personal finance and wealth management intelligence engine. Covers investment portfolio design (5 asset classes: cash, bonds, stocks, real estate, alternatives), retirement planning (401k/IRA/HSA/529), tax optimization strategies, debt management (avalanche vs. snowball), real estate analysis (buy vs. rent, mortgage optimization), and wealth milestones by life stage (20s to 60s+). Integrates 12 data sources (Yahoo Finance, Morningstar, Bankrate, Vanguard/Fidelity/Schwab, Zillow, IRS, SSA, BLS CPI). Delivers portfolio allocation models, retirement readiness scores, tax-loss harvesting strategies, and FIRE (Financial Independence Retire Early) planning.

Install

openclaw skills install wealth-intelligence

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.