CFO-Agent

US/international payment compliance for Canadian sole proprietors and corporations. W-8BEN management (individual + entity), withholding tax recovery, 1099 interception, FX accounting (BoC noon rate), T1135 monitoring, Reg 105 contractor rules, multi-currency reconciliation. Prevents 30% backup withholding and $25/day T1135 penalties. CC-specific: Wise USD, Stripe, primary US retainer, Kraken.

Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) . Use when asked to fill out model templates, complete existing model frameworks, populate financial models with data, complete a partially filled IS/BS/CF framework, or link integrated financial statements within an existing template structure. Triggers include requests to fill in, complete, or populate a 3-statement model template

Container for skills synthesized at runtime by skill_synthesizer.py. Each child directory is a [NEW] skill with its own SKILL.md + metrics.json. Promoted to skills/<slug>/ after 3 successful uses (skill_metrics.py promote).

Build and maintain a calendar of upcoming catalysts across a coverage universe — earnings dates, conferences, product launches, regulatory decisions, and macro events. Helps prioritize attention and position ahead of events. Triggers on "catalyst calendar", "upcoming events", "what's coming up", "earnings calendar", "event calendar", or "catalyst tracker".

Prepare for client review meetings with portfolio performance summary, allocation analysis, talking points, and action items. Pulls together account data into a concise meeting-ready format. Use before quarterly reviews, annual checkups, or ad-hoc client meetings. Triggers on "client review", "meeting prep for [client]", "quarterly review", "prep for [client name]", or "client meeting".

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.

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.

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.

Build pre-earnings analysis with estimate models, scenario frameworks, and key metrics to watch. Use before a company reports quarterly earnings to prepare positioning notes, set up bull/bear scenarios, and identify what will move the stock. Triggers on "earnings preview", "what to watch for [company] earnings", "pre-earnings", "earnings setup", or "preview Q[X] for [company]".

Professional PDF financial plan generator. Scans current working directory for FINANCE-*.md files, extracts scores and financial data, then runs the bundled Python ReportLab script to produce a polished, client-ready PDF with cover page, Financial Health Score gauge, score breakdown, cash flow, debt, retirement, portfolio, and prioritized action plan. Output: FINANCE-PLAN.pdf.

Persistent retrieval over Atlas's lawful financial literature corpus: investing canon, Canadian tax sources, official filings, research papers, and CC-licensed books. Grounds stock picks, tax strategy, and financial literacy explanations in cited source chunks.

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".

News-grounded sentiment read for a ticker — explicitly source-cited, NOT forum-aggregated. Pulls last 14 days of news via Atlas's existing news_ingest pipeline (RSS + Google News + NewsAPI + SEC EDGAR), then summarizes the directional sentiment with each claim tied back to a citable headline. Use when CC asks "what's the read on $TICKER right now" — produces an honest sentiment summary without Reddit/StockTwits noise. Pattern adapted from TauricResearch/TradingAgents v0.2.5.

Draft a structured investment committee memo for PE deal approval. Synthesizes due diligence findings, financial analysis, and deal terms into a professional IC-ready document. Use when preparing for investment committee, writing up a deal, or creating a formal recommendation. Triggers on "write IC memo", "investment committee memo", "deal write-up", "prepare IC materials", or "recommendation memo".

Systematic stock screening and investment idea sourcing. Combines quantitative screens, thematic research, and pattern recognition to surface new long and short ideas. Use when looking for new ideas, running screens, or conducting thematic sweeps. Triggers on "idea generation", "stock screen", "find ideas", "what looks interesting", "screen for", "new ideas", or "pitch me something".

Create institutional-quality equity research initiation reports through a 5-task workflow. Tasks must be executed individually with verified prerequisites - (1) company research, (2) financial modeling, (3) valuation analysis, (4) chart generation, (5) final report assembly. Each task produces specific deliverables (markdown docs, Excel models, charts, or DOCX reports). Tasks 3-5 have dependencies on earlier tasks.

Idempotent refresh patterns for Atlas's financial data sources — Kraken, brokerage CSVs, QuickBooks, FRED, payroll. Codifies safe sync flow with audit log so agents stop reinventing dedupe/dry-run logic per source.

Structured decision and pattern logging for Atlas. Guides the agent through high-quality entries to memory/DECISIONS.md, memory/PATTERNS.md, or memory/MISTAKES.md with proper frontmatter, cross-links, and version tags.

Update financial models with new data — quarterly earnings, management guidance, macro changes, or revised assumptions. Adjusts estimates, recalculates valuation, and flags material changes. Use after earnings, guidance updates, or when assumptions need refreshing. Triggers on "update model", "plug earnings", "refresh estimates", "update numbers for [company]", "new guidance", or "revise estimates".

Draft concise morning meeting notes summarizing overnight developments, trade ideas, and key events for coverage stocks. Designed for the 7am morning meeting format — tight, opinionated, actionable. Triggers on "morning note", "morning meeting", "what happened overnight", "trade idea", "morning call prep", or "daily note".

Tax-aware portfolio rebalancing — asset allocation, registered account placement, tax-efficient transitions

Closes Atlas's learning loop. Every pick saves to an append-only markdown decision log with a pending tag. On the next run for the same ticker (or via `python main.py reflect <TICKER>`), Atlas fetches realised return + alpha vs benchmark via yfinance, generates a 2-4 sentence reflection, and rewrites the tag. The reflection plus last N same-ticker + M cross-ticker lessons inject into the next Portfolio Manager prompt so Atlas stops repeating its own mistakes. Pattern lifted from TauricResearch/TradingAgents.

Adversarial bull/bear review of a draft Atlas pick. Forks a bull researcher and bear researcher (configurable rounds), then a Research Manager synthesizes the debate into a structured 5-tier rating (Buy/Overweight/Hold/Underweight/Sell). Use when a pick needs stress-testing before CC commits capital — `python main.py picks "<query>" --debate N` triggers it.

Build quick IRR/MOIC sensitivity tables for PE deal evaluation. Models returns across entry multiple, leverage, exit multiple, growth, and hold period scenarios. Use when sizing up a deal, stress-testing assumptions, or preparing IC returns exhibits. Triggers on "returns analysis", "IRR sensitivity", "MOIC table", "what's the return at", "model the returns", or "back of the envelope".

Three-perspective risk evaluation (Aggressive / Conservative / Neutral) of a draft Atlas pick. After the bull/bear debate settles a rating, three orthogonal risk personas each respond to the investment plan. A Portfolio Manager synthesizes their views into a final structured recommendation with entry/exit/stop/account placement. Pattern lifted from TauricResearch/TradingAgents.

Create comprehensive industry and sector landscape reports covering market dynamics, competitive positioning, key players, and thematic trends. Use for client requests, sector initiations, thematic research pieces, or internal knowledge building. Triggers on "sector overview", "industry report", "market landscape", "sector analysis", "industry deep dive", or "thematic research".

Per-agent data-readiness audit for Atlas. Produces an HTML report mapping Pantry (raw financial sources), Prep Table (deterministic snapshots), and Plate (consumers) with a Mermaid data-flow diagram and ranked quick-win list. V6.7 deliverable.

Maintain and update investment theses for portfolio positions and watchlist names. Track key data points, catalysts, and thesis milestones over time. Use when updating a thesis with new information, reviewing position rationale, or checking if a thesis is still intact. Triggers on "update thesis for [company]", "is my thesis still intact", "thesis check", "add data point to [company]", or "review my positions".

Analyze unit economics for PE targets — ARR cohorts, LTV/CAC, net retention, payback periods, revenue quality, and margin waterfall. Essential for software/SaaS, recurring revenue, and subscription businesses. Use when evaluating revenue quality, building a cohort analysis, or assessing customer economics. Triggers on "unit economics", "cohort analysis", "ARR analysis", "LTV CAC", "net retention", "revenue quality", or "customer economics".

Catches behavioral biases in the operator's financial decisions BEFORE Atlas endorses them. Runs a 9-bias checklist on every money decision the operator proposes (buy, sell, spend, contribute, withdraw). Returns the bias name, the formal source, and a reframe. The point is not to overrule the operator — it is to make sure the operator knows which bias they are fighting.

The 4-protocol loop every C-Suite agent runs to stay sharp: self-heal (detect+fix broken state), self-optimize (track+tune own performance), self-develop (fill capability gaps), self-improve (learn from outcomes). Installs in Bravo / Atlas / Maven / Aura with per-agent scoping.

CFO-side gate for CMO ad-spend requests. Validates a proposed campaign on CAC, LTV, contribution margin, payback period, and target close rate BEFORE Atlas approves any portion of the cap. Approves, partial-approves, or rejects with a one-paragraph rationale.

Invoice tracking, accounts receivable, cash flow forecasting, and payment optimization for CC's multi-income structure. Manages what's owed, what's coming in, and projects cash position 13 weeks forward. Covers OASIS consulting invoices, Stripe MRR, DJ gig payments, and FX conversion (USD/CAD).

Proactive compliance monitoring — deadlines, thresholds, red flags, and regulatory changes

Comprehensive financial health assessment — 8-dimension scoring (0-100), Canadian benchmark comparison, red/yellow/green status flags, prioritized action plan ranked by dollar impact, and quarterly trend tracking. Run at onboarding and at the start of each quarter.

CCPC incorporation decision framework — trigger assessment, cost-benefit analysis, execution checklist, post-incorporation setup, OpCo/HoldCo structure

CRA-compliant weighted-average ACB tracking for crypto — multi-exchange, superficial loss detection, Schedule 3 preparation

Canada exit strategy execution — departure tax calculation, tie severing, treaty optimization, Crown Dependencies setup

Dynamic income tier tracking — monitors CC's income across all sources and flags strategy changes at tier boundaries

Risk-budget position sizing — Kelly criterion adaptation, micro account rules, per-strategy calibration