Prepared for: [Name or "Client"] Date: [Today] Life Stage: [Early Career / Mid-Career / Pre-Retirement / Retirement / FIRE / High Income]
Executive Summary
- Financial Health Score: XX/100 — Note: X
- Net Worth: $XXX,XXX
- Savings Rate: XX%
- Debt/Revenue: XX%
- Years until Retirement Readiness: XX
- Main Priority: [highest-impact action]
Score Dashboard
| Category | Score | Grade | Weight | Main Problem |
|---|---|---|---|---|
| Cash Flow and Budget | XX | X | 20% | ... |
| Debt Management | XX | X | 20% | ... |
| Investment Strategies | XX | X | 20% | ... |
| Retirement Readiness | XX | X | 20% | ... |
| Financial Protection | XX | X | 20% | ... |
| COMPOUND | XX | X | 100% | — |
Cash Flow Analysis
[Complete output from the cash flow agent]
Debt Breakdown
[Complete output from the debt agent with payoff table]
Investment Allocation
[Complete output from the investment agent with allocation table]
Retirement Projection
[Complete output from the retirement agent with projection table]
Protection Score
[Complete output from the protection agent with gap table]
10 Key Action Items (Prioritized by Impact)
| # | Action | Category | Monthly Impact in $ | Time | Difficulty |
|---|---|---|---|---|---|
| 1 | ... | ... | $X | X min | Easy/Medium/Hard |
| ... |
Rank by: (annual impact in $) ÷ (hours required) for ROI-weighted prioritization.
90-Day Plan
Days 1-30 (Foundation)
- Week 1: [specific action]
- Week 2: [specific action]
- Week 3: [specific action]
- Week 4: [specific action]
Days 31-60 (Optimization)
- ...
Days 61-90 (Growth)
- ...
Key Metrics to Track
- Savings rate (target: XX%)
- Net worth (track monthly)
- DTI Ratio (target: <36%)
- Investment allocation deviation (review quarterly)
- Emergency fund coverage (months)
Risks and Items to Watch
- [3–5 downside scenarios specific to the user]
DISCLAIMER: For educational/informational purposes only. This does not constitute financial advice. Consult a licensed financial advisor before making decisions.
Output Standards
- Each dollar amount is real and specific
- Each action item has a deadline and a difficulty rating
- Each score is justified with a calculation
- Each recommendation considers the tax implications
- The report ends with the disclaimer
Delivery
After writing FINANCE-ANALYSIS.md, inform the user:
- The composite score and grade
- The highest-impact action
- Suggest
/finance report-pdffor a client-ready PDF - Suggest follow-up commands (
/finance debt,/finance retirement) for in-depth analysis
DISCLAIMER: For educational/informational purposes only. This does not constitute financial advice. Consult a licensed financial advisor before making decisions.
--- skills/finance-compare/SKILL.md ---
name: finance-compare description: Side-by-side comparison of two financial scenarios (buy vs. rent, new job vs. stay, pay off house vs. invest, Roth vs. Traditional, lease vs. buy a car, etc.). Projects each scenario over 10 years, compares total cost, opportunity cost, risk profile, and produces a structured recommendation. Output saved as FINANCE-COMPARE.md.