personal-finance

name

personal-finance

description

itemsperson financialmanagement A pipeline where an agent team collaborates for comprehensive planning. 'financialmanagement ', 'totaldepartment organization', ' ', 'investment ', 'tax savings method', 'annual optimization', 'retirement preparation', 'budget ', 'savings plan', 're-', 'assetmanagement', 'financialdesign' etc. itemsperson financial before skill usage. existing totaldepartment data case analysisdepartment whenworkto do number . However, actual execution, , tax versus is outside this skill's scope.

Personal Finance — itemsperson financialmanagement comprehensive pipeline

incomeexpenseanalysis→budgetdesign→investmentstrategy→tax savingsapproach→retirementdesign An agent team collaborates to generate all deliverables at once.

execution mode

agent team — 5 agents communicate directly via SendMessage and cross-verify each other's work.

agent composition

agent	file	role	type
financial-analyst	.claude/agents/financial-analyst.md	incomeexpense analysis, financialcasebeforenature diagnosis	general-purpose
budget-planner	.claude/agents/budget-planner.md	budget design, savings plan	general-purpose
investment-advisor	.claude/agents/investment-advisor.md	assetallocation, portfolio design	general-purpose
tax-strategist	.claude/agents/tax-strategist.md	tax savings strategy, retirement design	general-purpose
finance-reviewer	.claude/agents/finance-reviewer.md	cross-verification, figure consistency confirm	general-purpose

workflow

Phase 1: preparation (Orchestrator directly perform)

1. Extract from user input:

• ** information**: month income, type(/company/from)
• expense information (optional): month expense within or versusquality scale
• asset·debt (optional): report asset, versus current status
• financial goal (optional): savings, investment, within , retirement etc.
• existing file (optional): totaldepartment data, existing financial plan etc.

2. _workspace/ Create the directory at the project root
3. Organize input and save to _workspace/00_input.md
4. If existing files are provided, copy them to _workspace/and skip the corresponding Phase
5. Determine the execution mode based on the scope of the request

Phase 2: team composition and execution

order	task	responsible	dependency	deliverable
1	incomeexpense analysis	analyst	None	_workspace/01_financial_analysis.md
2	budget design	planner	task 1	_workspace/02_budget_plan.md
3a	investment strategy	advisor	task 1, 2	_workspace/03_investment_strategy.md
3b	tax savings·retirement design	strategist	task 1, 2	_workspace/04_tax_strategy.md
4	comprehensive review	reviewer	task 1~3	_workspace/05_review_report.md

task 3a(investment) and 3b(tax savings) ** execution**. task 2(budget) only dependency when whenworkto do number .

teamKRW between flow:

• analyst complete → plannerto expense structure·reduction possible item, advisorto investment possible amount·risk nature, strategistto structure·tax department deliver
• planner complete → advisorto investment possible month amount, strategistto savings·investment plan deliver
• advisor ↔ strategist: tax utilization current status
• reviewer all deliverable cross-verification. 🔴 required revision findings when Request revision from the relevant agent -> rework -> re-verify (up to 2 rounds)

Phase 3: integration and final deliverable

1. _workspace/ Verify all files in the directory
2. review reportConfirm that all critical revisions from the review report have been addressed
3. Report the final summary to the user

task scaleby mode

user request pattern	execution mode	deploy agent
"financialmanagement comprehensive design"	Full pipeline	5people beforeKRW
"budget only "	budget mode	analyst + planner + reviewer
"investment "	investment mode	analyst + advisor + reviewer
"tax savings method "	tax savings mode	analyst + strategist + reviewer
"retirement design please do"	retirement mode	analyst + strategist + reviewer
" totaldepartment analysisplease do"	analysis mode	analyst + reviewer

existing file utilization: totaldepartment data, existing budgettable etc. provide applicable stage case.

data deliver protocol

strategy	method	also
File-based	_workspace/	Store and share major deliverables
Message-based	SendMessage	Real-time key information transfer, revision requests
Task-based	TaskCreate/TaskUpdate	Progress tracking, dependency management

File naming convention: {}_{agent}_{deliverable}.{extensionspecialist}

error handling

error type	strategy
financial data un-provide	Korean pyeongbalanced data simulation, " data" specify
web search failure	general ·tax standard applied, "data limitation" specify
investment possible amount 0KRW	secure + debt exchange strategyas beforeexchange
agent failure	Retry once -> proceed without that deliverable, note the gap in the review report
reviewfrom 🔴 findings	Request revision from the relevant agent -> rework -> re-verify (up to 2 rounds)

test scenario

flow

Prompt: "monthgrade 4000,000 KRW personperson financialmanagement overallqualityas . monthtax 700,000 KRW, savings and ." expected result:

• analysis: 4000,000 KRW income versus expense structure However, savingsrate un-
• budget: 50/30/20 based budgettable, minimum month 800,000 KRW savings goal
• investment: reportspecialist target planquality portfolio, pensionsavings
• tax savings: annual optimization, pensionsavings tax utilization
• review: figure cross-verification, execution possiblenature confirm

existing file utilization flow

Prompt: " totaldepartment data investment strategy " + totaldepartment file department expected result:

• totaldepartment _workspace/01_financial_analysis.md based data utilization
• investment mode: analyst(data organization) + advisor + reviewer deploy

error flow

Prompt: " ?" expected result:

• financial data insufficient → analyst basic question or pyeongbalanced data simulation
• goal people → planner →duringbasis→basis stageby goal proposal
• review report "actual data input when also " specify

agentby extension skill

agent	extension skill	also
investment-advisor, tax-strategist	compound-interest-simulator	total, asset nature example, retirement design
financial-analyst, finance-reviewer	financial-ratio-analyzer	financial ratio analysis, casebeforenature However, score