# Wealth Skills

> Open-source (MIT) wealth skills and investing skills for Claude, Claude Code, Codex and Cursor: Claude skills (SKILL.md packs) for wealth management, zero-dependency calculation engines, a CLI and Model Context Protocol servers for US wealth management. Version 0.1.0. It prepares analysis and payloads for a licensed professional to review; it never submits orders, moves money or gives investment advice.

Every capability below is available as a CLI command (`node bin/wealth-skills.js <command>`) and as an MCP tool. Results carry `auditMetadata`, `needsInput` (questions to ask when an input is missing) and `suggestedNextSteps`. 108 of the 400 resources in the US Wealth Management Capability Catalog are backed by engine code; the rest are mapped to packs as guidance or cited references.

## Links

- [Interactive calculators](https://ai-theories.github.io/wealth-skills/): the engines running in the browser
- [Source code and README](https://github.com/ai-theories/wealth-skills): installation, journeys and guardrails
- [Full documentation for LLMs](https://ai-theories.github.io/wealth-skills/llms-full.txt): README and every skill pack in one file
- [MCP and agent setup](https://github.com/ai-theories/wealth-skills/blob/main/docs/AGENT_INTEGRATION.md)
- [Compliance rules for agents](https://github.com/ai-theories/wealth-skills/blob/main/docs/COMPLIANCE_GUIDELINES.md)
- [Catalog crosswalk](https://github.com/ai-theories/wealth-skills/blob/main/CATALOG_CROSSWALK.md): coverage tier for all 400 catalog resources
- [Capability catalog as JSON](https://ai-theories.github.io/wealth-skills/catalog.json): every catalog resource with its pack, tier and engines

## Skill packs

- [wealth-compliance](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-compliance/SKILL.md): Automated screen of advisory communications for promissory language and missing standard disclosures, FINRA 2111 suitability and Marketing Rule performance checks, investment adviser registration lookups in SEC IAPD compilation files, and guidance for supervisory review. BrokerCheck research stays manual.
- [wealth-crm](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-crm/SKILL.md): Meeting transcript parsing into decisions and action items, and CRM task payload construction, plus guidance for meeting preparation. Payloads are built locally and never sent to a CRM.
- [wealth-execution](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-execution/SKILL.md): Pre-trade validation (buying power, oversell, short-term gain), order payload construction for Alpaca, Interactive Brokers and FIX 4.4, ISIN/CUSIP/FIGI/LEI check digits and T+1 settlement dates, for human-approved execution. Builds payloads only - never submits orders or connects to a custodian.
- [wealth-fund-ops](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-fund-ops/SKILL.md): Fund administration and wealth operations checks - position reconciliation against the custodian, NAV tie-out with level 3 and stale-price flags, LP capital statement roll-forwards, and month-end close tracking - plus guidance for accounting and regulatory reporting that the engines do not perform.
- [wealth-onboarding](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-onboarding/SKILL.md): Customer Identification Program field checks, application gaps by account type (CIP, beneficial ownership, FINRA 4512, 2090, 2111 and 2165), and onboarding milestone tracking. Records the result of an OFAC screen performed elsewhere; does not itself screen sanctions lists, verify identity documents, aggregate accounts or manage e-signatures.
- [wealth-planning](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-planning/SKILL.md): US retirement and tax planning calculations - tax year 2026 bracket headroom for sizing Roth conversions, required minimum distributions, retirement Monte Carlo with inflation-adjusted withdrawals, capital-loss netting and carryover, and net investment income tax - plus guidance for broader household planning that the engines do not model.
- [wealth-portfolio](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-portfolio/SKILL.md): Portfolio drift monitoring and rebalancing, parametric VaR and expected shortfall, tax-loss harvesting screens with a wash-sale look-back, cost basis by lot, time- and money-weighted returns, Sharpe ratio reliability, and small-universe historical and forward simulations - plus guidance for accounting, attribution and risk-model workflows that the engines do not implement.
- [wealth-research](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-research/SKILL.md): Valuation ratios from supplied fundamentals, DCF valuation with sensitivity, keyword risk-factor summaries of filing text, XBRL fact extraction, and live FRED and SEC EDGAR fetches, plus guidance for earnings and market research that the engines do not perform.
- [wealth-uhnw](https://github.com/ai-theories/wealth-skills/blob/main/skills/wealth-uhnw/SKILL.md): Concentrated-stock collar construction with constructive-sale review, and private equity multiple tracking (TVPI, DPI, RVPI), plus guidance for trust, philanthropic and exchange-fund planning that the engines do not model.

## Capabilities

### planning

- `planning tax-headroom`: Room left in the current federal ordinary-income bracket, for sizing a Roth conversion. Needs: agi, filingStatus. Answers requests like "how much can they convert to a Roth this year".
- `planning rmd`: Required minimum distribution from the Uniform Lifetime Table. Needs: age, balance. Answers requests like "what is their RMD this year".
- `planning monte-carlo`: Retirement cash-flow simulation with inflation-adjusted withdrawals. Needs: assets, spend. Answers requests like "will their money last".
- `planning capital-losses`: Nets short- and long-term gains and losses, applies the $3,000 limit, and carries the rest forward by character. Needs: shortTermLosses. Answers requests like "how much of this loss can they deduct".
- `planning niit`: Net investment income tax: 3.8% on the lesser of investment income or MAGI above the statutory threshold. Needs: magi, netInvestmentIncome. Answers requests like "will they owe the 3.8% tax".

### portfolio

- `portfolio drift-monitor`: Allocation drift against targets, with the trades that would correct it. Needs: current, target, value. Answers requests like "is the portfolio off target".
- `portfolio rebalance`: Trades that move a portfolio from its current allocation to target. Needs: current, target, value. Answers requests like "what trades bring this back to target".
- `portfolio var`: Parametric Value at Risk and expected shortfall. Needs: value, vol. Answers requests like "how much could this portfolio lose".
- `portfolio factors`: Asset-class mix, with factor and duration averages of values you supply. Needs: holdings. Answers requests like "what is this portfolio made of".
- `portfolio tlh`: Tax-loss harvesting screen with a wash-sale look-back and replacement candidates. Needs: lots. Answers requests like "any losses to harvest".
- `portfolio cost-basis`: Cost basis and holding period for a sale, by FIFO, specific identification or average cost. Needs: lots, sale. Answers requests like "what is the basis on this sale".
- `portfolio twr`: Time-weighted return, which removes the effect of contributions and withdrawals. Needs: valuations. Answers requests like "how did the manager perform".
- `portfolio irr`: Money-weighted return (XIRR) from dated contributions, distributions and ending value. Needs: cashFlows. Answers requests like "what is the IRR on this fund".

### quant

- `quant backtest`: Historical backtest over embedded annual returns for VTI, BND, VXUS and VNQ. Needs: weights. Answers requests like "how would this mix have done".
- `quant forward-test`: Monte Carlo projection of a weighted portfolio under a macro regime. Needs: weights. Answers requests like "what happens if stagflation returns".
- `quant sharpe-stats`: How far a Sharpe ratio can be trusted: standard error, and probabilistic and deflated Sharpe ratios. Needs: returns. Answers requests like "is this Sharpe ratio significant".

### execution

- `execution validate`: Pre-trade checks: buying power, overselling and holding period. Needs: order. Answers requests like "can they afford this trade".
- `execution payload`: Broker order payload for Alpaca or Interactive Brokers. Built locally, never submitted. Needs: order, account. Answers requests like "build the order for alpaca".
- `execution fix-payload`: FIX 4.4 New Order Single message for a custodian. Needs: symbol. Answers requests like "generate a FIX order".
- `execution identifier`: Validates ISIN, CUSIP, FIGI and LEI check digits, and MIC and CFI formats. Needs: id. Answers requests like "is this ISIN valid".
- `execution settlement-date`: T+1 settlement date under SEC Rule 15c6-1, skipping weekends and supplied holidays. Needs: tradeDate. Answers requests like "when does this trade settle".

### onboarding

- `onboarding validate-cip`: Customer Identification Program field checks, recording an OFAC result screened elsewhere. Needs: applicant, ofacStatus. Answers requests like "can we open this account".
- `onboarding gaps`: What an account application is missing: blocking items, items needed before recommendations, and recommended items. Needs: application. Answers requests like "what do we still need to open this account".

### compliance

- `compliance scan`: Keyword and pattern screen of a communication before principal review. Needs: text. Answers requests like "is this email compliant".
- `compliance lookup`: Investment adviser registration and disclosure lookup in an SEC IAPD compilation file, by CRD or name. Needs: feedPath, crd. Answers requests like "is this adviser registered".
- `compliance suitability`: Customer-specific and quantitative suitability checks under FINRA 2111, with the profile gaps that prevent a view. Needs: profile, recommendation. Answers requests like "is this suitable for the client".
- `compliance performance-ad`: Checks advertised performance against the SEC Marketing Rule’s performance provisions, 206(4)-1(d). Needs: ad. Answers requests like "can we show this performance".

### uhnw

- `uhnw collar`: Collar strikes on a concentrated position, with constructive-sale review. Needs: symbol, basis. Answers requests like "hedge this concentrated stock".
- `uhnw pe-metrics`: Private equity multiples: TVPI/MOIC, DPI, RVPI and unfunded commitment. Needs: commitment. Answers requests like "how is this fund performing".

### research

- `research tear-sheet`: Valuation ratios from fundamentals you supply. Needs: financials. Answers requests like "build a tear sheet".
- `research dcf`: Discounted cash flow valuation with a terminal value and a sensitivity grid. Needs: cashFlows, discountRate. Answers requests like "what is this business worth".

### crm

- `crm parse-transcript`: Decisions and action items pulled from meeting notes. Needs: text. Answers requests like "summarize this client meeting".

### fundops

- `fundops reconcile`: Reconciles book positions against the custodian, listing quantity, value and missing-position breaks. Needs: book. Answers requests like "reconcile against the custodian".
- `fundops nav-tieout`: Recomputes NAV from assets and liabilities, and flags variances, level 3 exposure and stale prices. Needs: fund. Answers requests like "does the NAV tie out".
- `fundops lp-statement`: Checks that an LP capital account statement rolls forward, with commitment and fee checks. Needs: statement. Answers requests like "does this capital statement tie".
- `fundops close-status`: Month-end close status: progress, overdue and blocked tasks, and what can start now. Needs: tasks, asOf. Answers requests like "where are we on the close".

## Limits

- Does not connect to custodians, brokers or CRMs, and does not query FINRA BrokerCheck (its terms prohibit automated access).
- Registration lookups read SEC IAPD compilation files downloaded from https://adviserinfo.sec.gov/compilation and cover investment advisers only.
- Does not price options, screen sanctions lists, run a factor risk model or prepare tax returns.
- Not investment, tax or legal advice.