Personal Financial Advisor

Problem

Personal finance questions often arrive as fragmented decisions, such as choosing between funds and stocks, selecting insurance, or estimating retirement savings. What is usually missing is not a single answer, but a checkable framework: assess cash flow, debt, and protection gaps first, then discuss asset allocation and long-term goals. This skill breaks the process into information gathering, theory matching, quantitative estimation, and tiered recommendations.

How It Works

It uses references/finance_theories.md for classical finance frameworks and scripts/finance_calc.py for calculation support. The workflow typically includes:
- Financial diagnostics: calculate metrics such as savings rate, debt-to-income ratio, and emergency fund coverage from income, expenses, assets, debt, and insurance.
- Asset allocation: use the Standard & Poor's Family Asset Quadrant as the default framework, separating spending, protection, growth, and preservation, then adjust proportions by life stage.
- Strategy estimation: support compounding, dollar-cost averaging, and retirement gap calculations with functions like compound_calculator, dca_calculator, and retirement_calculator.
- Insurance and long-term planning: prioritize medical, critical illness, accidental, and term life coverage, then estimate retirement targets using the 4% rule.

Boundaries

It is suitable for strategy frameworks, financial metrics, and long-term goal estimation, but it should not replace licensed advisors, lawyers, or tax professionals. The output emphasizes risk disclosure and no return guarantees, and it does not recommend specific tickers or fund codes by default; complex legal, tax, or family asset cases should still be reviewed by professionals.