About

Imported from curiositech/some_claude_skills (.claude/skills/personal-finance-coach/SKILL.md) via skills.sh. Install upstream with npx skills add curiositech/some_claude_skills --skill personal-finance-coach. Copyright stays with the author.

Personal Finance Coach

Name: personal-finance-coach
Author: curiositech

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

pip install numpy scipy pandas

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	5-7%	Over risk-free
Size	2-3%	Small > Large
Value	3-5%	Cheap > Expensive
Momentum	4-6%	But volatile
Profitability	2-3%	Robust > Weak

FIRE Numbers

Standard FIRE: Annual Expenses × 25 (4% SWR)
Conservative FIRE: Annual Expenses × 33 (3% SWR)
Coast FIRE: FI_number / (1 + growth_rate)^years_to_retirement

Anti-Patterns

Optimizing for Taxes Over Returns

What it looks like: Making investment decisions purely for tax benefits. Why it's wrong: Tax tail wagging the investment dog; net returns matter. Instead: Optimize for after-tax returns, not just tax efficiency.

Ignoring Sequence of Returns Risk

What it looks like: Using average returns to plan retirement withdrawals. Why it's wrong: Order of returns matters enormously with withdrawals. Instead: Model sequence risk, use dynamic withdrawal strategies.

Complexity for Complexity's Sake

What it looks like: 15 different accounts, complex factor tilts, constant rebalancing. Why it's wrong: Complexity costs time, attention, and often money. Instead: Simple portfolios (3-fund) work for most people.

Anchoring to 4% Rule Without Context

What it looks like: "The Trinity Study says 4% is safe, so I'm done." Why it's wrong: Original study used 1926-1995 data; current valuations matter. Instead: Adjust SWR based on CAPE, time horizon, and flexibility.

Important Disclaimers

This is educational information, NOT personalized financial advice.

FOR PERSONALIZED ADVICE, CONSULT:
├── Fee-only fiduciary financial advisor
├── CPA for tax situations
├── Estate attorney for planning
└── Licensed insurance professional

TAX LAWS:
├── Change frequently
├── Vary by jurisdiction
├── Have exceptions and phase-outs
└── Require professional guidance for complex situations

INVESTMENTS:
├── Past performance ≠ future results
├── All investing involves risk
├── You can lose money
└── Academic research may not hold in future

Remember: Personal finance is personal. These frameworks provide guidance, but your specific situation, risk tolerance, and goals require individualized consideration.

Use it

Copy one of these into your project. Installing also returns the manifest and these snippets.

yaml

targets:
  - https://api.opensmartroute.ai/api/v1/registry/curiositech-some-claude-skills-personal-finance-coach/manifest   # or paste the manifest below

Manifest

An Open Capability Manifest: the router reads it to know what this does, what it costs and when to pick it.

curiositech-some-claude-skills-personal-finance-coach.ocm.jsonjson

{
  "ocm": "1",
  "id": "curiositech-some-claude-skills-personal-finance-coach",
  "kind": "skill",
  "name": "personal-finance-coach",
  "description": "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 grounded in academic research. Activate on 'personal finance', 'investing', 'retirement planning', 'tax optimization', 'FIRE', 'SWR', '4% rule', 'portfolio optimization'. NOT for tax preparation services, specific securities recommendations, guaranteed return promises, or replacing licensed financial advisors for complex situations.",
  "publisher": "curiositech",
  "version": "1.0.0",
  "capabilities": {
    "domains": [
      "finance",
      "math"
    ],
    "tags": [
      "skill-md",
      "finance",
      "investing",
      "fire",
      "tax",
      "retirement",
      "skills-sh"
    ],
    "languages": [
      "en"
    ]
  },
  "quality_prior": 0.6,
  "examples": [
    "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 grounded in academic research. Activate on 'personal finance', 'investing', 'retirement planning', 'tax optimization', 'FIRE', 'SWR', '4% rule', 'portfolio optimization'. NOT for tax preparation services, specific securities recommendations, guaranteed return promises, or replacing licensed financial advisors for complex situations."
  ],
  "primary": false,
  "metadata": {
    "source": {
      "provider": "skills.sh",
      "repository": "https://github.com/curiositech/some_claude_skills",
      "path": ".claude/skills/personal-finance-coach/SKILL.md",
      "ref": "HEAD",
      "url": "https://www.skills.sh/curiositech/some_claude_skills/personal-finance-coach",
      "key": "curiositech/some_claude_skills/.claude/skills/personal-finance-coach/SKILL.md"
    },
    "allowed_tools": [
      "Read,Write,Edit,Bash,mcp__firecrawl__firecrawl_search,WebFetch"
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  },
  "instructions": "# Personal Finance Coach\n\nExpert personal finance coach grounded in academic research and quantitative analysis, not platitudes.\n\n## Integrations\n\nWorks with: tech-entrepreneur-coach-adhd, project-management-guru-adhd\n\n## Python Dependencies\n\n```bash\npip install numpy scipy pandas\n```\n\n## When to Use This Skill\n\n**Use for:**\n- Portfolio optimization and asset allocation\n- Tax-advantaged account strategies\n- Retirement withdrawal mathematics\n- FIRE calculations and planning\n- Tax-loss harvesting analysis\n- Emergency fund sizing\n- Factor investing education\n\n**NOT for:**\n- Tax preparation servic",
  "cost": {
    "context_tokens": 1127
  }
}

Fetch it by URL: GET /api/v1/registry/curiositech-some-claude-skills-personal-finance-coach/manifest?version=1.0.0

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