financial-plan
Build or update a comprehensive financial plan covering retirement projections, education funding, estate planning, and cash flow analysis. Use for new client onboarding, annual plan reviews, or scenario modeling. Triggers on "financial plan", "retirement plan", "can I retire", "education funding", "estate plan", "cash flow analysis", or "plan update".
- Installs
- 1.1K
- Last 24h
- —
- Trending rank
- —
- Security
- Not audited
Install
Works with every agent the skills CLI supports.
npx skills add https://github.com/anthropics/financial-services --skill financial-plan- 01
Install
Run the command in your project. The CLI asks which agents to install for.
- 02
Describe the task
Ask your agent for something this skill covers. It loads financial-plan automatically when relevant.
- 03
Review the result
The agent follows the SKILL.md steps, scripts and references bundled with the skill.
SKILL.md
The instructions your agent reads when the skill is triggered.
Financial Plan
Workflow
Step 1: Client Profile
Gather or confirm:
- Demographics: Age, spouse age, dependents, life expectancy assumptions
- Employment: Current income, expected raises, retirement age target
- Accounts: All investment accounts with balances and asset allocation
- Income sources: Salary, bonuses, rental income, Social Security estimates, pensions
- Expenses: Current annual spending, expected changes (mortgage payoff, kids' independence)
- Liabilities: Mortgage, student loans, other debt
- Insurance: Life, disability, LTC, health
- Estate: Wills, trusts, beneficiary designations, gifting strategy
Step 2: Cash Flow Analysis
Build annual cash flow projections:
| Year | Age | Gross Income | Taxes | Living Expenses | Savings | Net Cash Flow |
|---|---|---|---|---|---|---|
Key inputs:
- Inflation rate assumption (typically 2.5-3%)
- Tax rate (marginal and effective)
- Savings rate and where savings are directed (pre-tax, Roth, taxable)
Step 3: Retirement Projections
Accumulation Phase:
- Current portfolio value
- Annual contributions (401k, IRA, taxable)
- Expected return by asset class
- Monte Carlo simulation: probability of success at various spending levels
Distribution Phase:
- Required annual spending in retirement (today's dollars → inflation-adjusted)
- Social Security start age and benefit
- Pension income (if any)
- Portfolio withdrawal rate and sequence
- Required Minimum Distributions (RMDs)
Key Output:
- Projected portfolio value at retirement
- Sustainable withdrawal rate
- Probability of not running out of money (target >85%)
- "What if" scenarios: retire early, market downturn, higher spending
Step 4: Goal-Specific Analysis
Education Funding
- Children's ages and target college start
- Current 529 balances
- Target funding level (public vs. private, 4-year vs. graduate)
- Required monthly savings to reach goal
- Financial aid considerations
Estate Planning
- Current estate value and projected growth
- Estate tax exposure (federal and state)
- Trust structures in place
- Gifting strategy (annual exclusion, lifetime exemption usage)
- Charitable giving plans
- Beneficiary review
Risk Management
- Life insurance needs analysis (income replacement, debt payoff, education funding)
- Disability insurance adequacy
- Long-term care planning
- Umbrella liability coverage
Step 5: Scenario Modeling
Run key scenarios:
| Scenario | Probability of Success | Portfolio at 90 | Notes |
|---|---|---|---|
| Base case | |||
| Retire 2 years early | |||
| 20% market drop in Year 1 | |||
| Higher spending (+20%) | |||
| One spouse lives to 95 | |||
| Long-term care event |
Step 6: Recommendations
Prioritized action items:
- Savings rate changes
- Asset allocation adjustments
- Tax optimization (Roth conversions, tax-loss harvesting, asset location)
- Insurance gaps to fill
- Estate document updates
- Beneficiary designation review
Step 7: Output
- Financial plan document (Word/PDF, 15-25 pages)
- Cash flow projection spreadsheet (Excel)
- Retirement projection charts
- Goal funding analysis
- Scenario comparison table
- Action item checklist
Important Notes
- Financial plans are living documents — review and update annually or after major life events
- Be conservative with return assumptions — overestimating returns gives false confidence
- Tax planning is as important as investment returns — model tax implications of every recommendation
- Social Security timing is a major lever — model start ages of 62, 67, and 70
- Always stress-test the plan — a plan that only works in the base case isn't a good plan
- Compliance: ensure recommendations align with suitability/fiduciary standards
FAQ
What does the financial-plan skill do?
Build or update a comprehensive financial plan covering retirement projections, education funding, estate planning, and cash flow analysis. Use for new client onboarding, annual plan reviews, or scenario modeling. Triggers on "financial plan", "retirement plan", "can I retire", "education funding", "estate plan", "cash flow analysis", or "plan update".
How do I install financial-plan?
Run npx skills add https://github.com/anthropics/financial-services --skill financial-plan in your project. The skills CLI detects the agents you use and copies the skill into the right folder. For Claude Code you can also place the skill folder at ~/.claude/skills/financial-plan/ (personal) or .claude/skills/financial-plan/ (project).
Which AI agents can use financial-plan?
Any agent that supports the open Agent Skills format (a folder with a SKILL.md file), including Claude Code, Codex, Cursor, GitHub Copilot, Gemini CLI, Windsurf, Cline, OpenCode and more.
Is financial-plan safe to install?
No partner security audit is available yet. Skills can run commands and scripts, so read the SKILL.md and any bundled files before installing.
Who maintains financial-plan?
It is published by anthropics in anthropics/financial-services, and it is an official skill from the maker of the technology it covers. It has 1,100 recorded installs.
More from anthropics/financial-services
earnings-analysis
anthropics/financial-services
Create professional equity research earnings update reports (8-12 pages, 3,000-5,000 words) analyzing quarterly results for companies already under coverage. Fast-turnaround format focusing on beat/miss analysis, key metrics, updated estimates, and revised thesis. Includes 1-3 summary tables and 8-12 charts. Use when user requests "earnings update", "quarterly update", "earnings analysis", "Q1/Q2/Q3/Q4 results", or post-earnings report.
equity-research
anthropics/financial-services
Generate comprehensive equity research snapshots combining analyst consensus estimates, company fundamentals, historical prices, and macroeconomic context. Use when researching stocks, comparing estimates to actuals, analyzing company financials, assessing equity valuations, or building investment cases.
dcf-model
anthropics/financial-services
Real DCF (Discounted Cash Flow) model creation for equity valuation. Retrieves financial data from SEC filings and analyst reports, builds comprehensive cash flow projections with proper WACC calculations, performs sensitivity analysis, and outputs professional Excel models with executive summaries. Use when users need to value a company using DCF methodology, request intrinsic value analysis, or ask for detailed financial modeling with growth projections and terminal value calculations.
pitch-deck
anthropics/financial-services
Populates investment banking pitch deck templates with data from source files. Use when: user provides a PowerPoint template to fill in, user has source data (Excel/CSV) to populate into slides, user mentions populating or filling a pitch deck template, or user needs to transfer data into existing slide layouts. Not for creating presentations from scratch.
competitive-analysis
anthropics/financial-services
Framework for building competitive landscape decks — market positioning, competitor deep-dives, comparative analysis, strategic synthesis. Use when the user asks for a competitive landscape, competitor analysis, peer comparison, market positioning assessment, strategic review, or investment memo deck. Also triggers on "who are the competitors to X", "benchmark X against peers", "build a market map", or any request to systematically evaluate competitive dynamics across an industry.
macro-rates-monitor
anthropics/financial-services
Build macroeconomic and rates dashboards combining macro indicators, yield curves, inflation breakevens, and swap rates. Use when monitoring macro conditions, analyzing yield curve shape, decomposing real vs nominal rates, assessing policy rate expectations, or evaluating financial conditions.
Popular code quality & workflow skills
grill-me
mattpocock/skills
A relentless interview to sharpen a plan or design.
improve-codebase-architecture
mattpocock/skills
Scan a codebase for deepening opportunities, present them as a visual HTML report, then grill through whichever one you pick.
handoff
mattpocock/skills
Compact the current conversation into a handoff document for another agent to pick up.
domain-modeling
mattpocock/skills
Build and sharpen a project's domain model. Use when discussing codebase terminology, writing or editing a GLOSSARY.md, or recording or editing an ADR.
codebase-design
mattpocock/skills
Shared vocabulary for designing deep modules. Use when the user wants to design or improve a module's interface, find deepening opportunities, decide where a seam goes, make code more testable or AI-navigable, or when another skill needs the deep-module vocabulary.
diagnosing-bugs
mattpocock/skills
Diagnosis loop for hard bugs and performance regressions. Use when the user says "diagnose"/"debug this", or reports something broken/throwing/failing/slow.