An AI-powered personal finance and wealth management intelligence engine designed to analyze portfolios, project retirement goals, and optimize debt payoff strategies.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install wealth-intelligence
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-intelligence 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 Personal Finance & Wealth Intelligence?
The Personal Finance & Wealth Intelligence skill is an AI-driven advisory and calculation system designed to empower users with sophisticated financial modeling and personalized planning frameworks. By utilizing this within your development framework of Openclaw Skills, developers and users can easily query complex financial topics ranging from five-asset-class portfolio design to detailed tax-loss harvesting and FIRE (Financial Independence Retire Early) modeling.
This system doesn't just calculate basic math; it integrates data across 12 distinct sources like Yahoo Finance, Morningstar, IRS tax brackets, and Zillow to present deep, contextual, and life-stage-aware wealth strategies. Whether you are modeling mortgage rates or assessing multi-generational estate checklists, this intelligence agent delivers instant, structured, and highly tailored financial analysis directly to your workflow.
Personal Finance & Wealth Intelligence Use Cases
- Investment Portfolio Optimization: Build and rebalance asset allocation models (across stocks, bonds, cash, real estate, and alternatives) tailored to a user's specific risk tolerance and horizon using Openclaw Skills integrations.
- Retirement & FIRE Planning: Compute required nest eggs, project Coast FIRE, Barista FIRE, or Lean FIRE thresholds, and model ACA healthcare subsidies and Monte Carlo retirement readiness scores.
- Tax Placement & Harvesting Strategy: Map tax-efficient fund placements, analyze potential Roth IRA conversions, and identify opportunities for tax-loss harvesting based on income brackets.
- Debt Repayment Strategy Comparison: Compare the mathematical savings of debt avalanche versus the psychological momentum of debt snowball for specific loan balances.
- Home Purchase Analysis: Conduct net present value (NPV) comparisons of buying vs. renting in target housing markets with interest rate sensitivity.
How Personal Finance & Wealth Intelligence Works
- Domain & Life-Stage Classification: The agent first processes user input to classify the primary financial domain (e.g., debt, estate, portfolio) and maps the user's specific life stage and risk threshold.
- Dynamic Data Reference Retrieval: The agent retrieves updated market rates, IRS brackets, CPI inflation, and housing index information structured inside the companion reference database.
- Quantitative Model Application: Core mathematical models (Monte Carlo, NPV, Debt Payoff tables, and Tax-Equivalent yield calculators) process the user's details against live benchmarks.
- Personalized Plan Generation: Generates clean, actionable visual tables detailing portfolio suggestions, long-term savings projections, or debt payoff timelines with built-in sensitivity analysis.
- Fiduciary & Localized Context Wrap: Appends critical behavioral advice, localized country contexts, and mandatory disclaimers emphasizing educational frameworks over licensed financial advice.
Personal Finance & Wealth Intelligence Setup
Ensure you have your environment configured for Openclaw Skills. To use the Personal Finance & Wealth Intelligence skill, you must reference the external wealth_sources.json data schema:
- Save the reference database file to your workspace:
mkdir -p references
curl -o references/wealth_sources.json https://raw.githubusercontent.com/openclaw/skills/main/references/wealth_sources.json
- Add the skill parameters to your Openclaw configuration file:
{
"skills": [
"wealth-intelligence"
]
}
- Initialize your AI agent workspace and ensure the tool is registered:
claw run --skill wealth-intelligence
Personal Finance & Wealth Intelligence Data Schema & Taxonomy
This skill processes external financial markers through the references/wealth_sources.json database. The structured taxonomies are detailed below:
Core Taxonomies
| Data Segment | Components Included | Source Mapping |
|---|---|---|
| Asset Classes | Cash, Bonds, Stocks, Real Estate, Alternatives | Yahoo Finance, Morningstar, Zillow |
| Retirement Accounts | 401k, Traditional IRA, Roth IRA, HSA, 529 Plan | IRS, Vanguard, Fidelity, Schwab |
| Life-Stage Milestones | 20s (Accumulation), 30s-40s (Expansion), 50s (Pre-retirement), 60s+ | SSA, Bureau of Labor Statistics |
| Economic Variables | CPI, Mortgage rates, High-yield savings rates, Bond yields | FRED, Bankrate, IRS |
All calculation results are structured in markdown tables for rapid API response consumption, including Portfolio Allocation Models, Retirement Projections, and Debt Payoff comparisons.
Personal Finance & Wealth Intelligence Advanced Features
- Monte Carlo Simulations: Runs multi-scenario probability models on asset returns to gauge retirement readiness confidence intervals.
- Multi-Jurisdiction Localization Hooks: Easily adapt tax brackets, Roth conversion equivalents, and retirement vehicle names for global frameworks outside of US limits.
- Sequence-of-Returns Risk Mitigation: Built-in scenario tools to buffer early retirement plans against market downturns during the initial drawdown years.
- Sensitivity Analysis Tables: Outputs comparative housing cost matrixes that change dynamically based on interest rate fluctuations, making this a highly flexible framework within your Openclaw Skills workspace.
SKILL.md
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