Comprehensive Financial Plan
Build a reviewable plan for retirement, education funding, estate needs, and household cash flow.
The skill requests highly sensitive financial information including income, accounts, insurance, estate details, and liabilities. The README requires professional review and prohibits transaction execution, but the skill itself lacks least-privilege controls, user confirmation, data-flow disclosure, privacy handling, rollback, and specific source attribution, so points are deducted.
The seven-step workflow and output structure are internally coherent, with reasonably clear inputs and scenarios. However, it provides no calculation methods, tools, dependency notes, abnormal-input handling, failure feedback, or reproducible execution path. Static evidence is insufficient, so the score remains below 10.
Triggers and target scenarios cover new-client onboarding, annual reviews, and scenario modeling, giving the skill a clear use case. It does not define non-fit boundaries, input formats, trigger exclusions, Chinese-language support, or mainland-China network fit, so points are deducted.
The workflow is readable and progressively organized. Repository context supplies an Apache-2.0 license, contribution guidance, version-pinned plugin-validation CI, and a maintenance path, but this skill lacks installation or dependency notes, examples, FAQs, known limitations, skill versioning, changelog, and a clearly named maintainer, so points are deducted.
The workflow covers cash flow, retirement, education, estate, risk, and scenario analysis and could produce a useful planning framework. However, its claimed Word/PDF, Excel, chart, and Monte Carlo outputs have no implementation, templates, formulas, or directly usable examples. Static review confirms only the task outline, so the score is capped below 7 and reduced.
The README, license, and plugin-validation workflow provide limited auditable repository context, but CI validates plugin structure rather than this skill's financial calculations or key paths. There is no test suite, third-party execution evidence, or corroborating validation, so the static evidence is weak.
- Do not treat the output as investment, tax, legal, or retirement advice; a qualified professional must review assumptions, tax rules, Social Security rules, and applicable federal or state estate-tax treatment.
- The skill requests extensive sensitive financial data but does not explain storage, transmission, access control, or deletion.
- Monte Carlo, tax-optimization, RMD, and probability conclusions lack defined models, data sources, and calculation validation; they should not directly drive client decisions.
- Word/PDF, Excel, and chart outputs are asserted in the documentation, but the supplied source does not demonstrate that these artifacts can actually be generated.
What does this skill do, and when should you use it?
This skill creates or updates a comprehensive financial plan covering retirement projections, education funding, estate planning, risk management, and cash-flow analysis. It gathers demographic, employment, account, income, expense, liability, insurance, and estate information before building annual cash-flow and retirement accumulation and distribution models. It compares base, early-retirement, market-drop, higher-spending, longevity, and long-term-care scenarios. Listed deliverables include a financial plan document, cash-flow spreadsheet, retirement charts, goal analysis, scenario table, and action checklist.
Collects or confirms client ages, income, account balances and allocations, income sources, expenses, debt, insurance, and estate arrangements; builds annual projections for gross income, taxes, living expenses, savings, and net cash flow; analyzes retirement accumulation and distribution using contributions, expected asset-class returns, Social Security, pensions, withdrawal rates, withdrawal sequencing, and RMDs; evaluates education goals, estate-tax exposure, gifting, insurance needs, and long-term-care planning; compares scenarios and produces prioritized recommendations and planning deliverables.
- A financial advisor onboarding a new client needs to create an initial plan from household, income, expense, and account information.
- An advisor conducting an annual review needs to update cash flow, retirement assets, and Social Security claiming assumptions.
- A near-retirement household wants to compare early retirement, a market decline, or higher spending against portfolio sustainability.
- Parents need to estimate 529 funding and monthly savings requirements for future education goals.
- A client needs to review estate documents, beneficiary designations, gifting strategy, and insurance gaps.
What are this skill's strengths and limitations?
- Covers retirement, education, estate, cash flow, and risk-management workflows in one structured process.
- Explicitly calls for stress testing across early retirement, market declines, higher spending, longevity, and long-term-care events.
- Includes taxes, Social Security claiming ages, beneficiary review, and insurance gaps in the workflow.
- The SKILL.md provides no calculation scripts, data sources, tax-law version, or return-data provider.
- It does not identify the tool used for Monte Carlo calculations and provides no test suite or platform-test evidence.
- Although it lists Word/PDF, Excel, and chart outputs, it does not specify the tools required to generate those files.
- The README states that the repository is not investment, legal, tax, or accounting advice; outputs require qualified-professional review and human sign-off.
How do you install this skill?
The skill is located at plugins/vertical-plugins/wealth-management/skills/financial-plan/SKILL.md. The README says to install the collection in Cowork by opening Settings → Plugins → Add plugin, pasting https://github.com/anthropics/financial-services, and selecting the desired agents and verticals. It does not provide a standalone Claude Code installation command for the wealth-management skill.
How do you use this skill?
In an environment where the skill is loaded, provide the client data and use a trigger such as: “Build a financial plan, assess whether I can retire, and compare Social Security starting at ages 62, 67, and 70.” The description lists “financial plan,” “retirement plan,” “can I retire,” “education funding,” “estate plan,” “cash flow analysis,” and “plan update” as triggers.