Fetching the official page failed both times (network unreachable), so I’ll write strictly from the crawled official data and mark the two conflicting metric sources explicitly rather than inventing an install command.


Bank Wealth Planning Expert: Constraining LLM Wealth Planning Output with Pre-Embedded Rules

Preface

When general large models answer wealth planning questions, their knowledge comes from internet training data. Common issues include incomplete regulations, inconsistent standards, and outdated content being treated as current basis. For private banking relationship managers, such responses cannot be directly used in client proposals.

The “Bank Wealth Planning Expert” (@user_8c473276/wealth-planning-pro) introduced below is a community-sourced Skill in the professional category. Its approach is not to make the model “know more,” but to pre-embed seven major planning rules as independent files, ensuring the model’s analysis strictly follows these files.

Positioning and Source

These are its basic attributes, all sourced from official page information:

名称: 银行财富筹划专家
坐标: @user_8c473276/wealth-planning-pro
版本: 1.0.0
来源: community
分类: professional
发布者: user_8c473276
标签: requires_api_key=false
官方页面: https://www.skillhub.cn/skills/user_8c473276/wealth-planning-pro
API 地址: https://api.skillhub.cn/user_8c473276/wealth-planning-pro

The official description states that the Skill is based on private banking client service needs, integrating the author’s decade of wealth client service experience, providing a one-stop wealth planning capability for private banking relationship managers (RMs).

requires_api_key=false indicates that no separate API key is needed to use this Skill.

The page currently shows a score of 100000, 1194 downloads, and 0 installations. These are dynamic statistics: another crawl record shows a score of 99828 and 1162 downloads. The two data points are inconsistent; real-time page data should be used as the reference.

Core Approach: Rule-Driven Rather Than Knowledge-Driven

This is the main difference from general “wealth knowledge Q&A” Skills. The method is to pre-embed seven professional planning rules:

  1. Tax Planning
  2. Education Fund Planning
  3. Family Trusts
  4. Marital Property & Family-Enterprise Separation
  5. Real Estate Planning
  6. Property Rights Planning
  7. Retirement Planning

The analysis and recommendations for each requirement are executed based on professional rules in rule files, not the model’s self-declared knowledge. The goal is to ensure consistency of standards and rules.

To address issues of incomplete, contaminated, or outdated LLM knowledge, the approach locks the analysis basis to pre-embedded professional rule files, avoiding the accuracy risks of relying on the model’s own knowledge.

Rule Files for the Seven Planning Modules

The official documentation states that each module has independent rule files containing professional content such as regulatory basis, judgment criteria, and recommended measures.

Information Boundary Constraint

Official materials clearly specify a hard constraint: analyze strictly based on client information provided by the user; do not imagine, assume, or infer; proactively ask questions to supplement information when it is insufficient.

This constraint determines the usage pattern—it is not meant to replace the RM in completing information, but requires stopping to ask when information is insufficient. In practice, the more complete the client information, the more directly usable the output proposal will be for communication.

Installation and Activation

The official page does not provide SKILL.md-format installation commands, directory paths, or configuration items. The attempt to access the official page and API address failed this time, making it impossible to verify the activation methods for Cursor / Codex CLI / Claude Code; therefore, unverified commands are not written here.

The only verifiable information is the coordinates, address, and requires_api_key=false listed in the previous section. To enable it in a local editor, refer to the instructions provided on the SkillHub page at the time.

Typical Usage

Official materials list trigger words; using natural language that hits these words will trigger the corresponding module:

财富筹划、税务筹划、教育金规划、家族信托、婚姻财产、家企隔离、
房产筹划、产权筹划、养老筹划、私行建议书、筹划方案、
财富建议书、客户筹划、综合规划

Official materials do not provide reproducible complete input-output examples, so no example dialogue is constructed here. The applicable scenarios listed by the official source are:

  • Private banking client wealth planning proposal generation
  • Client comprehensive planning analysis
  • Client needs discovery
  • Annual wealth review report

Among these, the proposal format can be used directly for client communication and is the primary output listed by the official source.

Applicable Scenarios and Limitations

Who it is for: Private banking relationship managers, especially teams that need to batch-produce proposals and annual review reports with consistent standards; also suitable for internal processes that require standardized wealth planning output.

Limitations and points to note:

  1. The rule coverage is limited to the seven modules; wealth issues outside these modules are not within the scope of these rule files.
  2. Output quality depends on the completeness of client information; when information is insufficient, proactive supplementary questions must be asked, and no self-inference is allowed.
  3. Regulatory bases change over time, and rule files need to be maintained and updated. Official materials do not specify an update frequency, and this could not be verified this time.
  4. The classification is professional, but the source is community. Before implementation, it is recommended to review the rule file content according to internal compliance requirements.

Summary

Its value lies in moving the “analysis basis” from model parameters to pre-embedded rule files, replacing the knowledge consistency of general LLMs with rule consistency. The scope of application is clear, but the premise is that the input client information is sufficiently complete and the rule files are kept up to date.

Official address: https://www.skillhub.cn/skills/user_8c473276/wealth-planning-pro