Prepared on: [Date] Filing Status: [Situation] Estimated Marginal Tax Rate: Federal [X]% + State [Y]% Estimated Total Annual Tax Savings: $[X,XXX]
Executive Summary
[3–4 sentences naming the top 3 strategies by financial impact.]
Priority Action Plan
LEVEL 1 — Execute This Quarter (Highest Return)
- [Strategy] — Estimated savings: $X,XXX/year
- Action: [specific step]
- Time frame: [data]
- Risk: [brief]
- ...
LEVEL 2 — Execute This Year
[Same format]
LEVEL 3 — Multi-Year Strategies
[Same format]
Detailed Strategy Analysis
[For each applicable strategy from sections 1-10 above, include:
- Applicable? Yes/No + why
- Mechanics
- Estimated savings of $
- Step-by-step implementation
- Caveats and risks]
Year-End Tax Checklist
- [ ] Maximum 401(k) contributions
- [ ] Maximum HSA contribution
- [ ] IRA contribution (deadline: April 15 of the following year)
- [ ] Tax-loss harvesting review by December 15
- [ ] Decision on Roth conversion by December 31
- [ ] Charitable donations / DAF funding
- [ ] Required minimum distributions (RMDs) if age 73+
- [ ] Estimated tax payment review
Professionals to Hire
- CPA — for statements and complex strategies
- Commission-free financial advisor — for integrated planning
- Estate planning attorney — if net worth > $5M or family situation is complex
DISCLAIMER: For educational/informational purposes only. Does not constitute financial advice. Consult a licensed financial advisor before making decisions. Tax laws change. Verify all limits, rates, and rules against current IRS publications and your state's Department of Revenue before taking action. Consult a CPA or tax attorney for personalized advice.
## Padrões de Qualidade
- Cada recomendação inclui uma **estimativa em dólares** da economia anual
- Todos os números vinculados aos limites do ano fiscal atual (indicar qual ano)
- Estratégias ranqueadas por **impacto financeiro líquido de impostos**, não por complexidade
- Incluir a regra de wash sale, regra pro-rata e regra de 5 anos para Roth onde relevante
- Sinalizar qualquer estratégia que requer implementação profissional
- Sempre encerrar com o bloco de aviso legal
--- skills/finance-debt/SKILL.md ---
---
name: finance-debt
description: Gerador de estratégia de quitação de dívidas. Compara o método avalanche (maior juros primeiro) vs bola de neve (menor saldo primeiro), calcula prazos de quitação e total de juros economizados, e recomenda alocação ótima de pagamentos entre múltiplas dívidas. Inclui análise de consolidação de cartões de crédito e refinanciamento. Use quando o usuário disser "/finance debt", "quitar minha dívida", "bola de neve ou avalanche", "consolidação", ou pedir qualquer estratégia de dívida.
---