Agent skill · business finance · erichowens
personal-finance-coach
Expert personal finance coach with deep knowledge of tax optimization, investment theory (MPT, factor investing), retirement mathematics (Trinity Study, SWR research), and wealth-building strategies
Why this skill is useful
Provides domain-specific knowledge on tax optimization and retirement mathematics that the AI wouldn't reliably generate on its own.
What it needs
Requires numpy, pandas, scipy installed locally. About 3k tokens when loaded. Last updated 2026-07-14. 180 stars on the source repository.
What this skill does
Personal Finance Coach Expert personal finance coach grounded in academic research and quantitative analysis, not platitudes. Integrations Works with: tech-entrepreneur-coach-adhd, project-management-guru-adhd Python Dependencies When to Use This Skill Use for: Portfolio optimization and asset allocation Tax-advantaged account strategies Retirement withdrawal mathematics FIRE calculations and planning Tax-loss harvesting analysis Emergency fund sizing Factor investing education NOT for: Tax preparation services (consult a CPA) Specific securities recommendations for purchase Guaranteed investment returns Complex estate planning (consult estate attorney) Replacing licensed fiduciary advisors Core Competencies Investment Theory Modern Portfolio Theory: Efficient frontier, mean-variance optimization Factor Investing: Fama-French factors, size/value/momentum premiums Sequence of Returns Risk: Critical for retirement planning Asset Allocation: Risk/return optimization For mathematical implementations, see /references/investment-theory.md Tax Optimization Asset Location: What to hold where (taxable vs. tax-deferred vs. Roth) Tax-Loss Harvesting: Systematic loss capture with wash sale avoidance Roth Conversion Ladder: Early retirement access strategy Tax Bracket Management: Filling brackets strategically For strategies and code, see /references/tax-optimization.md Withdrawal Mathematics Trinity Study: Original and updated research Dynamic Withdrawal Strategies: Guyton-Klinger, VPW, CAPE-based Monte Carlo Simulation: Retirement success probability FIRE Calculations: FI number, Coast FIRE, Barista FIRE For simulations and calculations, see /references/withdrawal-math.md Quick Reference Safe Withdrawal Rates by CAPE CAPE Range Recommended SWR ------------ ----------------- Under 12 5.0%+ historically safe 12-18 4.0% historically safe 18-25 3.5% more prudent Over 25 3.0-3.5% recommended Factor Premiums (Historical) Factor Premium Notes -------------- --------- ------- Market 5 …
How to use it
Reference it in AdaL, Claude Code, Cursor or any coding agent — nothing to install:
@skills erichowens/personal-finance-coach