Prepared on: [Date] Age: [X] Income: $[Y]
Overview
| Metric | Value |
|---|---|
| Total Net Worth | $[Z] |
| Liquid Net Worth | $[A] |
| Investable Net Worth | $[B] |
| Total Assets | $[C] |
| Total Liabilities | ($[D]) |
Full Balance
Assets
[Detailed table with each asset]
Liabilities
[Detailed table with each liability + interest rate]
Your Current Position
- Millionaire Next Door: Expected NI $[X], actual NI $[Y] → [PAW/AAW/UAW]
- Age-based benchmark: [On track / Ahead by X% / Behind by Y%]
- Approximate U.S. percentile (your age group): ~[N]th percentile
- Current phase: [Phase name]
Milestone Tracker
| Milestone | Status | Target Year |
|---|---|---|
| $100k | ✓ Achieved [year] / In progress | — |
| $250k | [Year] | |
| $500k | [Year] | |
| $1M | [Year] | |
| $5M | [Year] | |
| $10M | [Year] |
Net Worth Projection
| Age | Bearish (5%) | Base (7%) | Bullish (9%) |
|---|---|---|---|
| 40 | |||
| 50 | |||
| 60 | |||
| Retirement |
The Highest-Leverage Action
[The one thing that would most accelerate net worth growth from here]
Phase-Specific Priorities
[3–5 actions tied to the user’s current accumulation phase]
Points to Watch
- Concentration risk (single asset > X% of NAV)
- Illiquidity (home/business equity = X% of net worth)
- Liability rate risk (variable-rate debt)
- Tax bomb risk (large pre-tax balances)
Related Skills to Run
/finance portfolio— optimize how investments are allocated/finance taxes— reduce the drag on growth/finance retirement— model retirement readiness/finance goals— set milestones with deadlines
DISCLAIMER: For educational/informational purposes only. Does not constitute financial advice. Consult a licensed financial advisor before making decisions. Benchmarks and percentiles are approximations based on public data sources. Projections assume historical average returns and consistent contributions; actual results will vary.
Quality Standards
- Display both totals and category breakdowns
- Always include net worth separately — it matters more than total net worth for most decisions
- Use age-based benchmarks as one data point, not as a verdict
- Make the milestone projection specific by year, not vague
- Identify one highest-leverage action
- Always end with the legal disclaimer block
--- skills/finance-taxes/SKILL.md ---
name: finance-taxes description: Tax Optimization Strategy Analyzer. Identifies high-impact tax savings in tax-loss harvesting, tax-advantaged accounts (401k, IRA, HSA), Roth conversions, backdoor and mega backdoor Roth, charitable giving, business deductions, capital gains harvesting, state tax minimization, and estate tax planning. Produces FINANCE-TAXES.md with prioritized strategies and estimated annual tax savings.