Portfolio Rebalancing Advisor
Detect allocation drift and propose tax-aware rebalancing trades with transaction costs in view.
The skill clearly generates trade recommendations rather than directly executing trades, and the repository README requires qualified-professional review and human sign-off, reducing external-action risk. However, it lacks explicit user confirmation, permission boundaries, data-flow disclosure, sensitive-financial-data handling, rollback, and abnormal-trade safeguards, so points are deducted.
The workflow is internally coherent and covers account data, drift, tax considerations, asset location, and outputs. It lacks input validation, missing-data handling, calculation definitions, failure feedback, reproducible examples, and implementation details for the requested Excel output. Static evidence therefore keeps the score at or below 10.
Triggers and the primary use case are clear for portfolio drift and tax-aware rebalancing. Non-fit cases, required data, jurisdictional scope, Chinese-language support, and environment constraints are not defined, leaving semantic boundaries and environment fit only partially supported.
The documentation is readable and layered, with workflow sections, tables, rules, and repository-level Apache-2.0 licensing. The skill itself lacks versioning, changelog, named maintenance responsibility, dependency or installation notes, FAQs, troubleshooting, and explicit limitations, so points are deducted.
The skill plausibly covers the core drift-analysis and tax-aware trade-recommendation task and requests before/after allocation and tax summaries. However, there are no representative examples, calculation templates, or verified Excel artifacts; substantial human review remains necessary, so static calibration limits the score to 7 or less.
The skill text is auditable, and repository CI provides plugin validation and secret scanning. The CI does not cover this skill's key business paths, and there is no committed test suite, third-party execution evidence, or corroborating validation, so only limited static verifiability is awarded.
- Do not treat the generated trade recommendations as investment, tax, or legal advice; qualified professionals should verify data, tax applicability, account restrictions, and client authorization before execution.
- The skill does not define handling for missing or conflicting holdings, tax-calculation methodology, rounding, wash-sale coverage, or rollback; establish manual review and pre-trade approval controls.
- The requested Excel trade list has no specified generation mechanism or format guarantee and should not be assumed to be directly importable into a trading system.
What does this skill do, and when should you use it?
This skill analyzes portfolio drift across multiple accounts and recommends trades against investment policy targets. It distinguishes taxable and tax-advantaged accounts while considering unrealized gains and losses, short-term gains, tax-loss harvesting, and wash-sale rules. Its workflow also reviews asset location, transaction costs, tax impact, and implementation results. It is suited to wealth-management workflows requiring professional review and compliance documentation, not standalone investment, tax, or legal advice.
Reads each account's type, current holding values, taxable-account cost basis, and unrealized gains or losses; compares current allocation with target allocation; calculates percentage and dollar drift; and flags positions outside a typical plus-or-minus 3% to 5% rebalancing band. It produces a trade list with account, action, security, shares or dollars, rationale, and tax impact; reviews asset location by account type; and summarizes trades per account, estimated transaction costs, realized gains or losses, and before-and-after allocation. Stated outputs include a drift table, recommended trade list in Excel, tax-impact summary, and allocation comparison.
- A wealth advisor is preparing a periodic client review and needs to check several accounts against IPS targets.
- An investor's allocation has moved outside its policy band and requires an ordered trade proposal.
- A household holds taxable accounts, IRAs, Roth accounts, and 401(k)s and needs coordinated tax-aware rebalancing.
- An advisor wants to direct new contributions to underweight assets, avoid large short-term gains, and check wash-sale exposure.
- A compliance team needs documented rationale, tax impact, and implementation results for each proposed trade.
What are this skill's strengths and limitations?
- Covers the workflow from position capture and drift analysis through trade and implementation summaries.
- Explicitly addresses tax-advantaged account priority, short-term gains, tax-loss harvesting, and household-wide wash-sale coordination.
- Accounts for cash flows, client restrictions, and compliance rationale instead of treating rebalancing as a simple percentage exercise.
- SKILL.md does not describe data import, market-data retrieval, or actual order execution.
- No scripts, test suite, broker integration, or portfolio-management-system integration is provided in the source.
- The plus-or-minus 3% to 5% band is only a typical guideline; the applicable policy must be determined by the professional user.
- The Excel trade-list output is specified, but no generation tool or detailed file-format workflow is documented.
How do you install this skill?
In Cowork, open Settings → Plugins → Add plugin, paste https://github.com/anthropics/financial-services, and select the desired vertical plugin from the marketplace list. The README does not provide a standalone installation command for this individual skill; it is located in the wealth-management vertical plugin.
How do you use this skill?
In a session where the skill is available, provide account types, current holding values, target allocations, taxable-account cost basis, unrealized gains or losses, pending cash flows, and client restrictions. Use a trigger such as “Check my portfolio drift and generate rebalancing trade recommendations” or “Analyze my portfolio is out of balance.” Reliable drift and tax analysis requires sufficiently complete account and target data.