A sophisticated AI agent skill for architecting multi-generational wealth through evidence-based investing, tax optimization, and strategic risk management.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install wealth
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install wealth using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Wealth?
The Wealth skill transforms your AI agent into a high-level financial strategist capable of managing the complex lifecycle of wealth creation. Unlike standard calculators, this skill utilizes the Openclaw Skills framework to implement a coherent decision-making engine focused on the long game. It bridges the gap between earning income and building genuine independence by prioritizing low-cost indexing, asset location, and foundational stability.
By integrating this skill into your workflow, you move beyond emotional market reactions and inherited assumptions. The system provides a structured approach to saving, investing, and protecting assets, ensuring that every financial decision compounds effectively over decades. It is designed for those who recognize that wealth is built through disciplined systems rather than speculative timing.
Wealth Use Cases
- Evaluating financial foundations to ensure emergency funds and debt management are prioritized.
- Designing tax-efficient investment hierarchies across 401k, IRA, HSA, and taxable accounts.
- Modeling retirement scenarios including sequence of returns risk and Social Security optimization.
- Identifying and closing protection gaps in disability, liability, and long-term care coverage.
- Structuring estate plans and generational wealth transfer strategies to minimize tax drag.
How Wealth Works
- The agent performs a baseline audit of your current financial foundation, including debt-to-income ratios and liquid reserves.
- It establishes a prioritized contribution waterfall, directing capital toward the most tax-advantaged accounts first.
- A customized asset allocation is generated based on evidenced risk tolerance and long-term time horizons.
- The skill monitors for rebalancing opportunities and tax-loss harvesting potential within the Openclaw Skills environment.
- It generates long-term projections and protection audits to ensure the strategy remains resilient against catastrophic life events.
Wealth Setup
To deploy the Wealth skill within your agent environment, use the following commands:
openclaw install wealth
openclaw configure wealth --mode foundation
openclaw run wealth --analyze-portfolio
Ensure you have your anonymized financial metadata ready for the initial configuration phase.
Wealth Data Schema & Taxonomy
The skill organizes financial data into a structured taxonomy for privacy-conscious analysis:
| File | Description |
|---|---|
foundation.json |
Tracks emergency funds, high-interest debt status, and liquid buffers. |
portfolio_map.md |
Details asset allocation across various account types and geographies. |
tax_strategy.json |
Logs contribution limits, used space in tax-advantaged accounts, and cost-basis tracking. |
projections.csv |
Contains time-series data for retirement readiness and withdrawal modeling. |
Wealth Advanced Features
- Automated rebalancing triggers when asset classes drift beyond pre-defined percentage thresholds.
- Tax-efficient asset location logic that places high-growth/high-tax assets in protected accounts.
- Multi-scenario stress testing for 'sequence of returns' risk during early retirement phases.
- Support for specialized business retirement structures like Solo 401k and SEP-IRA for self-employed users.
- Integrated estate planning hooks to ensure beneficiary designations align with the broader wealth strategy.
SKILL.md
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