Agent skill · business finance · anthropics
financial-plan
Build or update a comprehensive financial plan covering retirement projections, education funding, estate planning, and cash flow analysis. Use for new client onboarding, annual plan reviews, or scenario modeling. Triggers on "financial plan", "retirement plan", "can I retire", "education funding", "estate plan", "cash flow analysis", or "plan update".
Why this skill is useful
Provides a structured financial planning workflow with specific calculations and scenario modeling that the AI wouldn't reliably generate on its own.
What it needs
About 3k tokens when loaded. Last updated 2026-08-04. 34,059 stars on the source repository.
What this skill does
Financial Plan Workflow Step 1: Client Profile Gather or confirm: Demographics: Age, spouse age, dependents, life expectancy assumptions Employment: Current income, expected raises, retirement age target Accounts: All investment accounts with balances and asset allocation Income sources: Salary, bonuses, rental income, Social Security estimates, pensions Expenses: Current annual spending, expected changes (mortgage payoff, kids' independence) Liabilities: Mortgage, student loans, other debt Insurance: Life, disability, LTC, health Estate: Wills, trusts, beneficiary designations, gifting strategy Step 2: Cash Flow Analysis Build annual cash flow projections: Year Age Gross Income Taxes Living Expenses Savings Net Cash Flow ------ ----- ------------- ------- ----------------- --------- -------------- Key inputs: Inflation rate assumption (typically 2.5-3%) Tax rate (marginal and effective) Savings rate and where savings are directed (pre-tax, Roth, taxable) Step 3: Retirement Projections Accumulation Phase: Current portfolio value Annual contributions (401k, IRA, taxable) Expected return by asset class Monte Carlo simulation: probability of success at various spending levels Distribution Phase: Required annual spending in retirement (today's dollars → inflation-adjusted) Social Security start age and benefit Pension income (if any) Portfolio withdrawal rate and sequence Required Minimum Distributions (RMDs) Key Output: Projected portfolio value at retirement Sustainable withdrawal rate Probability of not running out of money (target >85%) "What if" scenarios: retire early, market downturn, higher spending Step 4: Goal-Specific Analysis Education Funding Children's ages and target college start Current 529 balances Target funding level (public vs. private, 4-year vs. …
How to use it
Reference it in AdaL, Claude Code, Cursor or any coding agent — nothing to install:
@skills anthropics/financial-plan