Module 6.14: /finance report-pdf — PDF Financial Plan Generator

WARNING: For educational/informational purposes only. This does not constitute financial advice.

Objective

Compile all analyses in markdown from FINANCE-*.md files in the current working directory into a single polished PDF that a consultant, family member, or accountability partner can read from start to finish.

When to Trigger

The user types /finance report-pdf or /finance pdf
The user asks "create a PDF report," "give me a client-ready document," "export my financial plan"
After running /finance analyze (suggest this as the natural next step)

Prerequisites

Before generating, make sure the user has at least one analysis file in the current working directory:

FINANCE-ANALYSIS.md (of /finance analyze) — main input
FINANCE-BUDGET.md
FINANCE-DEBT.md
FINANCE-RETIREMENT.md
FINANCE-PORTFOLIO.md
FINANCE-EMERGENCY.md
FINANCE-NETWORTH.md
FINANCE-GOALS.md
FINANCE-COMPARE.md
FINANCE-SCREEN.md
FINANCE-FIRE.md
FINANCE-TAXES.md

If no files are found, ask the user to run first /finance analyze or /finance quick.

Process

Step 1: Scan Source Files

ls FINANCE-*.md

Read all files found. The Python generator script also performs its own scan; the assistant reads them beforehand to validate content quality and identify obvious gaps before generation.

Stage 2: Data Extraction

Get from the Markdown files:

Financial Health Composite Score (0-100) and letter grade
Sub-scores for each of the 5 categories (Cash Flow, Debt, Investments, Retirement, Protection)
Key financial data points:
Income / expenses / monthly surplus
Savings rate
Net worth
Total debt and DTI (debt-to-income ratio)
Months covered by the emergency fund
Projected retirement balance vs. what's needed
Asset allocation
Action items (ranked by priority)
User name / household name (if provided)
Generation date

Stage 3: Run the PDF Generator

Run:

Bash(python3 ~/.claude/skills/finance/scripts/generate_finance_pdf.py)

The script reads all FINANCE-*.md files from the current working directory, parses the structured sections, and builds a PDF using ReportLab.

If the script is missing or has errors, gracefully fall back to a consolidated Markdown-only report named FINANCE-PLAN.md and inform the user.

Step 4: Confirm Output

After generation:

Check whether FINANCE-PLAN.pdf exists in the current working directory
Report the file size and page count to the user
Suggest sharing it with your financial advisor / accountant (CPA)

PDF Structure

The generator produces the following sections:

Cover Page

Title: "Personal Financial Plan"
User / household name
Date
Financial Health Composite Score Gauge (0-100 visual)
Letter Grade (A+ to F)
One-Line Signal ("Excellent — only minor optimizations")
Footer with Legal Disclaimer

Page 2: Executive Summary

Top 3 strengths
Top 3 priority gaps
This quarter’s focus (a single sentence)
Key numbers table:
Net worth
Monthly surplus
Savings rate
DTI
Emergency months

Page 3: Financial Health Score Breakdown

Bar chart of scores for the 5 categories
Each category: score / weight / what it measures / signal

Page 4: Cash Flow and Budget

Income vs. Expenses Chart
Top 5 expense categories
Surplus trend
Recommended budget adjustments

Page 5: Debt Profile

Total debt by type (table)
Average APR (Annual Percentage Rate)
Payoff schedule (avalanche method)
Interest cost on the current vs. accelerated payoff path

Page 6: Retirement Outlook

Years until retirement
Current balance vs. age benchmark
Projected retirement balance (3 scenarios: conservative / moderate / aggressive)
Balance needed for desired lifestyle
Gap Analysis
Recommended contribution rate

Page 7: Investment Portfolio

Pie chart of current allocation
Pie chart of recommended allocation
Drift / rebalancing needs
Expense Ratio Analysis
Diversification score

Page 8: Financial Protection

Emergency Fund Status
Insurance Coverage Matrix (health, life, disability, auto, home)
Estate Planning Checklist (will, beneficiaries, power of attorney, healthcare directive)
Priority gaps and fills

Pages 9–10: Action Plan

30-Day Priorities
90-Day Priorities
1-Year Priorities
5-Year Priorities
Each action includes: specific monetary amount, specific account/vehicle, due date

Final Page: Disclosures and Glossary

Full Legal Notice
Methodology Notes
Glossary of terms (DTI, SWR, ER, etc.)
"Next steps" — when to consult professionals

Visual Design Patterns

Color palette: Primary blue (#1f4e79), green for positive metrics, amber for warnings, red for critical issues
Typography: Sans-serif for headings, serif for body text
Charts: Clean, minimal gridlines, plain-language labels
Gauges: 0–100 scale with color-coded zones (red <40, amber 40–69, green 70+)
Tables: Alternating row shading, right-aligned numbers, currency formatting with thousands separators

Tone and Language

Plain English, without excessive jargon
Specific numbers, never vague ranges
Empathetic about disabilities, specific about actions
Confident about strengths

Error Handling

Error	Response
No FINANCE-*.md file found	"Run `/finance analyze` or `/finance quick` first to generate the input data."
Missing Python script	Generate `FINANCE-PLAN.md` consolidated instead; tell the user how to install ReportLab
ReportLab not installed	Instruct: `pip3 install reportlab`
Empty/malformed Markdown	Skip this section, generate the PDF without it, note it in the summary
PDF generation succeeded, but file is < 50KB	Probably no data; notify the user

Customization Options

If the user wants to customize:

Name on the cover — Ask for the household name to display
Optional Sections — Allow /finance report-pdf --sections=debt,retirement to limit the scope
Brand — If it's for use by a consultant, allow the logo path to be injected
Currency — Default to USD; allow override

Invocation Example Flow

Usuário: /finance report-pdf

Assistente: Varrendo o diretório atual em busca de arquivos FINANCE-*.md...
            Encontrados: FINANCE-ANALYSIS.md, FINANCE-DEBT.md, FINANCE-RETIREMENT.md, FINANCE-BUDGET.md

            Gerando PDF...
            [executa Bash(python3 ~/.claude/skills/finance/scripts/generate_finance_pdf.py)]

            Concluído. Gerado FINANCE-PLAN.pdf (12 páginas, 487 KB).

            Principais conclusões:
            - Pontuação de Saúde Financeira: 72/100 (Nota B)
            - Área mais forte: Gestão de Dívida (88/100)
            - Área mais fraca: Preparação para Aposentadoria (52/100)
            - Ação principal: Aumentar a contribuição do 401k de 6% para 12% para capturar o match completo

            Próximo passo recomendado: Compartilhe este PDF com seu CPA antes do planejamento fiscal de fim de ano.

            AVISO: Apenas para fins educacionais/informativos. Não constitui aconselhamento financeiro.

Validation Checklist

Before declaring success, verify:

[ ] The PDF file exists at the expected path
[ ] File size > 50KB (rough sanity check)
[ ] The legal disclaimer appears on the cover and final page
[ ] All category scores present (not "N/A" for everything)
[ ] At least 3 action items in the plan

WARNING: For educational/informational purposes only. Does not constitute financial advice. The generated PDF compiles AI-generated analyses based on data provided by the user. Always consult a licensed financial advisor, CPA, or tax professional before making major financial decisions. Past performance does not guarantee future results.

--- skills/finance-quick/SKILL.md ---

name: finance-quick description: 60-Second Financial Snapshot — quick financial health assessment based on six key inputs (income, expenses, savings, debt, age, retirement goal). No subagents. Produces a compact scorecard in the terminal with savings rate, DTI ratio, emergency fund coverage, retirement progress status, and top 3 priority actions in under 40 lines.