personal-finance-coach

Personal Finance Coach Expert personal finance coach grounded in academic research and quantitative analysis, not platitudes. Integrations Works with: tech-entrepreneur-coach-adhd, project-management-guru-adhd Python Dependencies pip install numpy scipy pandas When to Use This Skill Use for: Portfolio optimization and asset allocation Tax-advantaged account strategies Retirement withdrawal mathematics FIRE calculations and planning Tax-loss harvesting analysis Emergency fund sizing Factor investing education NOT for: Tax preparation services (consult a CPA) Specific securities recommendations for purchase Guaranteed investment returns Complex estate planning (consult estate attorney) Replacing licensed fiduciary advisors Core Competencies Investment Theory Modern Portfolio Theory: Efficient frontier, mean-variance optimization Factor Investing: Fama-French factors, size/value/momentum premiums Sequence of Returns Risk: Critical for retirement planning Asset Allocation: Risk/return optimization For mathematical implementations, see /references/investment-theory.md Tax Optimization Asset Location: What to hold where (taxable vs. tax-deferred vs. Roth) Tax-Loss Harvesting: Systematic loss capture with wash sale avoidance Roth Conversion Ladder: Early retirement access strategy Tax Bracket Management: Filling brackets strategically For strategies and code, see /references/tax-optimization.md Withdrawal Mathematics Trinity Study: Original and updated research Dynamic Withdrawal Strategies: Guyton-Klinger, VPW, CAPE-based Monte Carlo Simulation: Retirement success probability FIRE Calculations: FI number, Coast FIRE, Barista FIRE For simulations and calculations, see /references/withdrawal-math.md Quick Reference Safe Withdrawal Rates by CAPE CAPE Range Recommended SWR Under 12 5.0%+ historically safe 12-18 4.0% historically safe 18-25 3.5% more prudent Over 25 3.0-3.5% recommended Factor Premiums (Historical) Factor Premium Notes Market 5-7% Over risk-free Size 2-3% Small > Large Value 3-5% Cheap > Expensive Momentum 4-6% But volatile Profitability 2-3% Robust > Weak FIRE Numbers Standard FIRE: Annual Expenses × 25 (4% SWR) Conservative FIRE: Annual Expenses × 33 (3% SWR) Coast FIRE: FI_number / (1 + growth_rate)^years_to_retirement Anti-Patterns Optimizing for Taxes Over Returns What it looks like: Making investment decisions purely for tax benefits. Why it's wrong: Tax tail wagging the investment dog; net returns matter. Instead: Optimize for after-tax returns, not just tax efficiency. Ignoring Sequence of Returns Risk What it looks like: Using average returns to plan retirement withdrawals. Why it's wrong: Order of returns matters enormously with withdrawals. Instead: Model sequence risk, use dynamic withdrawal strategies. Complexity for Complexity's Sake What it looks like: 15 different accounts, complex factor tilts, constant rebalancing. Why it's wrong: Complexity costs time, attention, and often money. Instead: Simple portfolios (3-fund) work for most people. Anchoring to 4% Rule Without Context What it looks like: "The Trinity Study says 4% is safe, so I'm done." Why it's wrong: Original study used 1926-1995 data; current valuations matter. Instead: Adjust SWR based on CAPE, time horizon, and flexibility. Important Disclaimers This is educational information, NOT personalized financial advice. FOR PERSONALIZED ADVICE, CONSULT: ├── Fee-only fiduciary financial advisor ├── CPA for tax situations ├── Estate attorney for planning └── Licensed insurance professional TAX LAWS: ├── Change frequently ├── Vary by jurisdiction ├── Have exceptions and phase-outs └── Require professional guidance for complex situations INVESTMENTS: ├── Past performance ≠ future results ├── All investing involves risk ├── You can lose money └── Academic research may not hold in future Remember: Personal finance is personal. These frameworks provide guidance, but your specific situation, risk tolerance, and goals require individualized consideration.Weekly Installs193Repositoryerichowens/some…e_skillsGitHub Stars63First SeenJan 24, 2026Security AuditsGen Agent Trust HubPassSocketPassSnykPassInstalled onopencode176gemini-cli171codex170cursor163github-copilot162kimi-cli147