portfolio-syncing

name

portfolio-syncing

description

Import and sync broker CSV portfolio data to Google Sheets DataHub. Supports Fidelity (automated) with multi-broker planned. USE WHEN user mentions import broker data OR sync portfolio OR update positions OR CSV import OR portfolio-sync OR ingest positions OR bring in positions OR downloaded from Fidelity OR working with Portfolio_Positions CSVs. Handles file ingestion from Downloads, position updates, SPAXX/margin validation, safety checks, and formula protection.

PortfolioSyncing

Safely import broker CSV position exports into the Google Sheets DataHub tab, ensuring data integrity, validating changes, and protecting sacred formulas.

Multi-Broker Support

Supported Brokers:

• ✅ Fidelity - Fully automated parsing
• ⚠️ Schwab, Vanguard, TD Ameritrade, E*TRADE, Robinhood - Manual mapping required (coming soon)

Broker Detection: Finance Guru automatically detects your broker from user-profile.yaml (set during onboarding). CSV parsing is tailored to your broker's format.

See: docs/broker-csv-export-guide.md for detailed export instructions per broker.

Workflow Routing

When executing a workflow, output the corresponding notification:

Workflow	Trigger	File
IngestPositions	"ingest positions", "import positions", "bring in positions", user mentions downloading from Fidelity	workflows/IngestPositions.md
SyncPortfolio	"sync portfolio", "portfolio-sync", "import fidelity"	workflows/SyncPortfolio.md

Typical flow: IngestPositions (move from Downloads) -> SyncPortfolio (push to Google Sheets)

Notifications:

Running the **IngestPositions** workflow from the **PortfolioSyncing** skill...

Running the **SyncPortfolio** workflow from the **PortfolioSyncing** skill...

Examples

Example 1: Full flow from Downloads

User: "ingest positions" or "bring in positions"
-> Scans ~/Downloads/ for Portfolio_Positions_*.csv and Balances_*.csv
-> Classifies regular vs dividend view by reading headers
-> Moves regular view as-is (already date-tagged)
-> Renames dividend view to Dividend_Positions_MMM-DD-YYYY.csv
-> Moves Balances file (overwrites existing)
-> Reports files moved and suggests "portfolio-sync" next

Example 2: Sync (live from SnapTrade)

User: "portfolio-sync"
-> Pulls live positions + balances via the SnapTrade CLI (no CSV read)
-> Compares with Google Sheets DataHub
-> Updates quantities, cost basis, SPAXX, margin debt
-> Reports changes and validates formulas

Example 3: Update positions after trades

User: "I just bought more JEPI, sync my portfolio"
-> Invokes SyncPortfolio workflow
-> Detects quantity change in JEPI
-> If >10% change, asks for confirmation
-> Updates DataHub with new position data

Example 4: Handling duplicate downloads

User downloads both regular and dividend views from Fidelity
-> ~/Downloads/ contains: Portfolio_Positions_REDACTED.csv
                          Portfolio_Positions_REDACTED (1).csv
-> Reads header of each to classify
-> Regular view (has "Average Cost Basis") -> notebooks/updates/Portfolio_Positions_REDACTED.csv
-> Dividend view (has "Ex-date") -> notebooks/updates/Dividend_Positions_Mar-06-2026.csv

CSV Format Reference

Fidelity Positions CSV (Regular View)

Header row (17 columns):

Account Number,Account Name,Investment Type,Symbol,Description,Quantity,Last Price,Last Price Change,Current Value,Today's Gain/Loss Dollar,Today's Gain/Loss Percent,Total Gain/Loss Dollar,Total Gain/Loss Percent,Percent Of Account,Cost Basis Total,Average Cost Basis,Type

Key fields for sync: Symbol (col 4), Quantity (col 6), Average Cost Basis (col 16), Type (col 17 — "Margin" or "Cash")

Fidelity Positions CSV (Dividend View)

Header row (19 columns):

Account Number,Account Name,Investment Type,Symbol,Description,Quantity,Last Price,Last Price Change,Current Value,Percent Of Account,Ex-date,Amount per share,Pay date,Dist. yield,Distribution yield as of,SEC yield,SEC yield as of,Est. annual income,Type

Quick classifier: If header contains Ex-date -> dividend view. If header contains Average Cost Basis -> regular view.

Fidelity Balances CSV

Key-value format (not columnar). Extract:

• "Settled cash" → SPAXX row (Column L: Current Value)
• "Account equity percentage" → If 100%, margin debt = $0
• "Net debit" → Actual margin balance (negative value = margin debt)
• "Margin interest accrued this month" → If > $1, there IS margin debt

Cash Position Logic:

• Do NOT use SPAXX value from Positions CSV (shows only settled money market)
• Use "Settled cash" from Balances CSV for the SPAXX row
• If "Settled cash" = 0, then SPAXX = $0 (all funds are invested or in margin)
• "Cash market value" is NOT cash — it's the value of positions in your Cash account (vs Margin account)

Critical Rules

WRITABLE Columns (from CSV)

• ✅ Column A: Ticker
• ✅ Column B: Quantity
• ✅ Column G: Avg Cost Basis

SACRED Columns (NEVER TOUCH)

• ❌ Column C: Last Price (GOOGLEFINANCE formulas)
• ❌ Columns D-F: $ Change, % Change, Volume (formulas)
• ❌ Columns H-M: Gains/Losses calculations (formulas)
• ❌ Columns N-S: Ranges, dividends, layer (formulas/manual)

Update Pattern: Individual Cell Updates ONLY

Golden Rule: NEVER include columns C-F in your update range. NEVER pass empty strings to any cell.

Empty strings ("") in columns C-F DELETE the GOOGLEFINANCE and calculation formulas. Always update columns A, B, G individually:

// ✅ RIGHT - Update ONLY writable columns, one at a time
mcp__gdrive__sheets(operation: "updateCells", params: {
    spreadsheetId: SPREADSHEET_ID,
    range: "DataHub!B13:B13",  // ✅ Single column, specific row
    values: [["72.942"]]
})

// ❌ WRONG - Multi-column range with empty strings kills formulas
mcp__gdrive__sheets(operation: "updateCells", params: {
    range: "DataHub!A13:G13",
    values: [["JEPI", "72.942", "", "", "", "", "$56.48"]]  // ❌ Empty strings delete formulas
})

Action	Correct	Wrong
Update quantity	range: "DataHub!B13:B13"	range: "DataHub!A13:G13" with empty strings
Update cost basis	range: "DataHub!G13:G13"	Including columns C-F in range
Add new ticker	3 separate calls (A, B, G)	Single call with empty strings in C-F

Layer Classification for New Tickers

When adding new tickers, classify into the correct portfolio layer in Column S.

Do NOT hardcode layer assignments. Instead, read the current layer definitions from:

• Primary: fin-guru/data/spreadsheet-architecture.md → "Pattern-Based Layer Classification" section
• Fallback: Read existing Column S values from DataHub to learn current classification patterns

If a new ticker doesn't clearly match any layer pattern, set to "UNKNOWN - Manual Review Required" and alert the user for classification.

Safety Gates

STOP conditions (require user confirmation):

1. CSV has fewer tickers than sheet (possible sales)
2. Any quantity change > 10%
3. Any cost basis change > 20%
4. 3+ formula errors detected
5. Margin balance jumped > $5,000 (unintentional draw)
6. SPAXX discrepancy > $100 (cash mismatch between sheet and CSV)

FLAG conditions (alert user but proceed):

• SPAXX differs from "Settled cash" by $1-$100 (minor discrepancy)
• Pending Activity differs from "Net debit" by >$100

When STOPPED: Show clear diff table, ask user to confirm, proceed only after explicit approval.

When FLAGGED: Show the discrepancy, proceed with update but highlight in summary.

Google Sheets Integration

Spreadsheet ID: Read from fin-guru/data/user-profile.yaml → google_sheets.portfolio_tracker.spreadsheet_id

Agent Permissions

Builder (Write-enabled): Can update columns A, B, G; can add new rows; can apply layer classification; CANNOT modify formulas.

All Other Agents (Read-only): Market Researcher, Quant Analyst, Strategy Advisor — can read all data, cannot write, must defer to Builder for updates.

Reference Files

• Full Architecture: fin-guru/data/spreadsheet-architecture.md
• Quick Reference: fin-guru/data/spreadsheet-quick-ref.md
• User Profile: fin-guru/data/user-profile.yaml
• Formula Protection: See the formula-protection skill for sacred formula rules

Pre-Flight Checklist

Before syncing (SyncPortfolio) — positions + balances now come live from SnapTrade:

• SnapTrade account is enabled+routed in config/snaptrade-accounts.yaml (role set, enabled: true)
• SNAPTRADE_* keys are present in .env
• Google Sheets DataHub tab exists
• No pending manual edits in sheet (user should save first)

The CSV format reference above still applies to the CSV fallback (--source csv for margin, or re-verification) and to the Dividend view / History CSVs, which dividend-tracking and TransactionSyncing still consume.

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Skill Type: Domain (workflow guidance) Enforcement: BLOCK (data integrity critical) Priority: Critical