Personal finance skill

Personal Finance Skill

A comprehensive personal finance management skill with 75 tools across 7 extensions for banking, investing, tax, market intelligence, social sentiment, and financial analysis workflows.

When to Use

Activate this skill when a user asks for:

• Account aggregation — connecting bank accounts, viewing balances, syncing transactions
• Net worth / cash flow — computing totals, tracking spending, savings rate analysis
• Portfolio monitoring — positions, allocation, performance, drift detection
• Trading — placing/canceling orders, market data, asset lookup (Alpaca)
• Tax optimization — estimated liability, TLH candidates, wash sale checks, quarterly payments
• Tax document processing — parsing W-2, 1099-B/DIV/INT, K-1, Form 1040, Schedules A-E/SE, Form 8949, Form 6251 (AMT), state returns
• Market intelligence — company news, SEC filings, analyst recommendations, economic data (FRED, BLS), news sentiment
• Social sentiment — StockTwits sentiment, X/Twitter cashtag analysis, trending symbols, congressional trading
• Recurring expense tracking — subscriptions, bills, income streams
• Anomaly detection — unusual transactions, balance drops, duplicate charges
• Financial briefings — weekly/monthly summaries with action items
• Scheduled finance workflows — cron-based scans, alerts, reports

Architecture Overview

Seven extensions organized in three layers:

Intelligence Layer
  tax-engine (23 tools) — parsing (15), liability, TLH, wash sales, lots,
    Schedule D computation, state tax, AMT
  market-intel (10 tools) — news, fundamentals, SEC filings, economic data
  social-sentiment (6 tools) — StockTwits, X/Twitter, congressional trades

Data Source Adapters
  plaid-connect (8)   alpaca-trading (10)   ibkr-portfolio (9)

Foundation Layer
  finance-core (9 tools) — canonical models, storage, normalization,
    policy checks, anomaly detection, briefs

Data flow: Adapters fetch provider data → finance-core normalizes and stores → intelligence layer analyzes → policy engine gates actions.

Tool Catalog

finance-core — 9 tools

Tool	Description	Risk
finance_upsert_snapshot	Store normalized financial data snapshot (idempotent)	LOW
finance_get_state	Get current financial state (accounts, positions, etc.)	READ
finance_get_transactions	Query transactions with filters and pagination	READ
finance_get_net_worth	Calculate net worth breakdown by category/account	READ
finance_detect_anomalies	Scan for unusual transactions, balance drops, fee spikes	READ
finance_cash_flow_summary	Income vs expenses by category with savings rate	READ
finance_subscription_tracker	Identify recurring charges and subscription patterns	READ
finance_generate_brief	Create structured financial summary with action items	READ
finance_policy_check	Validate proposed action against policy rules	READ

Full schemas: references/ext-finance-core.md

plaid-connect — 8 tools

Tool	Description	Risk
plaid_create_link_token	Initialize Plaid Link for account connection	LOW
plaid_exchange_token	Exchange public token for permanent access	MED
plaid_get_accounts	List connected accounts with balances	READ
plaid_get_transactions	Fetch transactions via cursor-based sync	READ
plaid_get_investments	Fetch holdings, securities, investment transactions	READ
plaid_get_liabilities	Fetch credit, student loan, and mortgage data	READ
plaid_get_recurring	Identify recurring inflow/outflow streams	READ
plaid_webhook_handler	Process incoming Plaid webhook events	LOW

Full schemas: references/ext-plaid-connect.md

alpaca-trading — 10 tools

Tool	Description	Risk
alpaca_get_account	Get account balances, buying power, status	READ
alpaca_list_positions	List all open positions	READ
alpaca_get_position	Get single position by symbol	READ
alpaca_list_orders	List orders with status/date filters	READ
alpaca_create_order	Submit buy/sell order with safety checks	HIGH
alpaca_cancel_order	Cancel a pending order	MED
alpaca_portfolio_history	Historical equity and P/L over time	READ
alpaca_get_assets	Search tradable assets by class/exchange	READ
alpaca_market_data	Get snapshots, bars, or quotes for symbols	READ
alpaca_clock	Check if market is open, next open/close	READ

Full schemas: references/ext-alpaca-trading.md

ibkr-portfolio — 9 tools

Tool	Description	Risk
ibkr_auth_status	Check gateway authentication status	READ
ibkr_tickle	Keep gateway session alive (~1 min interval)	LOW
ibkr_list_accounts	List accounts (must call first)	READ
ibkr_get_positions	Get positions for an account (paginated)	READ
ibkr_portfolio_allocation	Allocation by asset class, sector, group	READ
ibkr_portfolio_performance	NAV time series and returns	READ
ibkr_search_contracts	Search contracts by symbol/name/type	READ
ibkr_market_snapshot	Real-time market data for contracts	READ
ibkr_get_orders	Get current live orders	READ

Full schemas: references/ext-ibkr-portfolio.md

tax-engine — 23 tools

Tool	Description	Risk
tax_parse_1099b	Parse 1099-B (proceeds, cost basis, wash sales)	READ
tax_parse_1099div	Parse 1099-DIV (dividends, capital gains)	READ
tax_parse_1099int	Parse 1099-INT (interest, bond premiums)	READ
tax_parse_w2	Parse W-2 (wages, withholding, SS/Medicare)	READ
tax_parse_k1	Parse Schedule K-1 (partnership pass-through)	READ
tax_parse_1040	Parse Form 1040 (main federal return)	READ
tax_parse_schedule_a	Parse Schedule A (itemized deductions, SALT cap)	READ
tax_parse_schedule_b	Parse Schedule B (interest/dividend payors)	READ
tax_parse_schedule_c	Parse Schedule C (self-employment income)	READ
tax_parse_schedule_d	Parse Schedule D (capital gains netting)	READ
tax_parse_schedule_e	Parse Schedule E (rental/royalty/partnership)	READ
tax_parse_schedule_se	Parse Schedule SE (self-employment tax)	READ
tax_parse_form_8949	Parse Form 8949 (sales and dispositions)	READ
tax_parse_state_return	Parse state return (CA 540, NY IT-201, etc.)	READ
tax_parse_form_6251	Parse Form 6251 (AMT)	READ
tax_estimate_liability	Calculate federal/state tax with brackets	READ
tax_find_tlh_candidates	Identify tax-loss harvesting opportunities	READ
tax_check_wash_sales	Validate wash sale rule compliance (61-day window)	READ
tax_lot_selection	Compare FIFO/LIFO/specific ID for a proposed sale	READ
tax_quarterly_estimate	Quarterly estimated payments with safe harbor	READ
tax_compute_schedule_d	Compute Schedule D netting with loss carryover	READ
tax_compute_state_tax	Compute state tax for CA/NY/NJ/IL/PA/MA/TX/FL	READ
tax_compute_amt	Compute Alternative Minimum Tax (Form 6251)	READ

Full schemas: references/ext-tax-engine.md

market-intel — 10 tools

Tool	Description	Risk
intel_company_news	Get recent news articles for a company (Finnhub)	READ
intel_market_news	Get general market news by category (Finnhub)	READ
intel_stock_fundamentals	Get reported financial statements (Finnhub)	READ
intel_analyst_recommendations	Get analyst buy/hold/sell consensus (Finnhub)	READ
intel_sec_filings	List SEC filings for a company by ticker (EDGAR)	READ
intel_sec_search	Full-text search across SEC filings (EDGAR)	READ
intel_fred_series	Fetch economic time series (GDP, CPI, rates) (FRED)	READ
intel_fred_search	Search for FRED series by keyword	READ
intel_bls_data	Fetch labor/price statistics time series (BLS)	READ
intel_news_sentiment	Get news with AI-scored sentiment (Alpha Vantage)	READ

Full schemas: references/ext-market-intel.md

social-sentiment — 6 tools

Tool	Description	Risk
social_stocktwits_sentiment	Get bull/bear sentiment for a stock (StockTwits)	READ
social_stocktwits_trending	Get currently trending symbols (StockTwits)	READ
social_x_search	Search recent tweets by keyword (X/Twitter)	READ
social_x_user_timeline	Get recent tweets from a user (X/Twitter)	READ
social_x_cashtag	Search cashtag with keyword sentiment scoring (X)	READ
social_quiver_congress	Get congressional stock trading disclosures (Quiver)	READ

Full schemas: references/ext-social-sentiment.md

Key Workflows

1. Onboarding — Connect Accounts

plaid_create_link_token(products: ["transactions", "investments", "liabilities"])
  → User completes Plaid Link
  → plaid_exchange_token(publicToken)
  → plaid_get_accounts → finance_upsert_snapshot(source: "plaid")
  → plaid_get_transactions → finance_upsert_snapshot
  → plaid_get_investments → finance_upsert_snapshot
  → finance_get_net_worth → present baseline to user

2. Daily Scan — Anomaly Detection

plaid_get_transactions(cursor) → finance_upsert_snapshot
alpaca_list_positions → finance_upsert_snapshot(source: "alpaca")
ibkr_auth_status → ibkr_get_positions → finance_upsert_snapshot(source: "ibkr")
  → finance_detect_anomalies(lookbackDays: 7)
  → Alert on medium/high severity findings

3. Tax-Loss Harvesting

finance_get_state(include: ["positions"])
  → tax_find_tlh_candidates(positions, marginalRate)
  → tax_check_wash_sales(proposedSales, recentPurchases)
  → tax_lot_selection(symbol, qty, lots)
  → finance_policy_check(actionType: "tax_move")
  → [If approved] alpaca_create_order(side: "sell", ...)

4. Quarterly Tax Review

tax_parse_w2 + tax_parse_1099b + tax_parse_1099div + tax_parse_1099int
  → tax_estimate_liability(filingStatus, income)
  → tax_quarterly_estimate(projectedIncome, priorYearTax, paymentsMade)
  → finance_generate_brief(period: "quarterly")

5. Portfolio Monitoring

alpaca_list_positions + ibkr_get_positions
  → finance_upsert_snapshot (both sources)
  → ibkr_portfolio_allocation (check drift)
  → alpaca_portfolio_history (performance trend)
  → finance_detect_anomalies
  → finance_generate_brief(period: "weekly")

6. Company Research — Market Intelligence

intel_company_news(symbol: "AAPL", limit: 10)
  → intel_analyst_recommendations(symbol: "AAPL")
  → intel_stock_fundamentals(symbol: "AAPL", freq: "quarterly")
  → intel_sec_filings(symbol: "AAPL", formType: "10-K")
  → intel_news_sentiment(tickers: "AAPL")
  → social_stocktwits_sentiment(symbol: "AAPL")
  → social_x_cashtag(symbol: "AAPL")

7. Economic Overview

intel_fred_series(seriesId: "GDP")
  → intel_fred_series(seriesId: "CPIAUCSL")
  → intel_fred_series(seriesId: "UNRATE")
  → intel_bls_data(seriesIds: ["CES0000000001"])
  → intel_fred_series(seriesId: "DFF")

8. Full Tax Return Processing

tax_parse_1040(rawData) → tax_parse_schedule_a(rawData)
  → tax_parse_schedule_b(rawData) → tax_parse_schedule_c(rawData)
  → tax_parse_schedule_d(rawData) → tax_parse_schedule_e(rawData)
  → tax_parse_form_8949(rawData) → tax_parse_schedule_se(rawData)
  → tax_compute_schedule_d(gains, losses, carryovers)
  → tax_compute_state_tax(stateCode, taxableIncome, filingStatus)
  → tax_compute_amt(taxableIncome, adjustments, regularTax)
  → tax_parse_state_return(rawData)

9. Congressional Trading Signals

social_quiver_congress(daysBack: 30)
  → Filter for large purchases
  → intel_company_news(symbol: <top_ticker>)
  → alpaca_market_data(symbols: <top_ticker>)
  → social_stocktwits_sentiment(symbol: <top_ticker>)

Configuration

Environment Variables

Variable	Extension	Description
PLAID_CLIENT_ID	plaid-connect	Plaid API client ID
PLAID_SECRET	plaid-connect	Plaid API secret key
PLAID_ENV	plaid-connect	sandbox / development / production
ALPACA_API_KEY	alpaca-trading	Alpaca API key
ALPACA_API_SECRET	alpaca-trading	Alpaca API secret
ALPACA_ENV	alpaca-trading	paper / live
IBKR_BASE_URL	ibkr-portfolio	Client Portal Gateway URL
FINNHUB_API_KEY	market-intel	Finnhub API key (finnhub.io)
FRED_API_KEY	market-intel	FRED API key (fred.stlouisfed.org)
BLS_API_KEY	market-intel	BLS registration key (v2)
ALPHA_VANTAGE_API_KEY	market-intel	Alpha Vantage API key
X_API_BEARER_TOKEN	social-sentiment	X/Twitter OAuth 2.0 Bearer Token
QUIVER_API_KEY	social-sentiment	Quiver Quantitative API key

Extension Config

Each extension has an openclaw.plugin.json with a configSchema. Key settings:

• finance-core: storageDir, anomalyThresholds, policyRulesPath
• plaid-connect: plaidEnv, webhookUrl, clientName, countryCodes
• alpaca-trading: env (paper/live), maxOrderQty, maxOrderNotional
• ibkr-portfolio: baseUrl, defaultAccountId
• tax-engine: defaultFilingStatus, defaultState, defaultTaxYear
• market-intel: finnhubApiKeyEnv, fredApiKeyEnv, blsApiKeyEnv, alphaVantageApiKeyEnv, secEdgarUserAgent
• social-sentiment: xApiBearerTokenEnv, quiverApiKeyEnv

Cron Examples

Weekly Financial Brief

openclaw cron add \
  --name "Finance Weekly Brief" \
  --cron "0 8 * * 1" \
  --tz "America/Los_Angeles" \
  --session isolated \
  --message "Run personal-finance-skill weekly workflow: sync all providers, compute net worth delta, top spend changes, upcoming bills, tax posture, and portfolio drift. Send concise brief with action queue."

Daily Anomaly Scan

openclaw cron add \
  --name "Finance Daily Anomaly" \
  --cron "15 7 * * *" \
  --tz "America/Los_Angeles" \
  --session isolated \
  --message "Sync latest transactions, run finance_detect_anomalies. Alert on medium/high/critical findings only."

Quarterly Tax Check

openclaw cron add \
  --name "Quarterly Tax Review" \
  --cron "0 9 1 1,4,6,9 *" \
  --tz "America/Los_Angeles" \
  --session isolated \
  --message "Run quarterly tax review: estimate liability, check withholding gap, find TLH opportunities, assess quarterly payment risk."

Portfolio Drift Monitor

openclaw cron add \
  --name "Portfolio Drift Monitor" \
  --cron "*/30 13-21 * * 1-5" \
  --tz "America/New_York" \
  --session isolated \
  --message "Check portfolio allocation vs target bands. Alert if drift exceeds threshold for 2 consecutive scans."

Non-Negotiable Guardrails

These rules apply to all AI agents using this skill:

1. Always run finance_policy_check before any side-effecting action (trades, transfers, tax moves).
2. Never bypass approval requirements. If policy requires user or advisor approval, halt and request it.
3. Numeric outputs must come from deterministic calculators. Never use LLM arithmetic for tax amounts, P/L, or net worth — always use the tool.
4. Recommendations must include assumptions and data freshness. Every financial recommendation states what data it used and when that data was last updated.
5. Never expose raw access tokens or API keys in tool outputs or conversation.
6. Never auto-execute in live trading without explicit user confirmation, even if policy rules allow it.
7. All investment-related outputs must include disclaimer: "This is informational only, not financial advice. Consult a qualified advisor before making financial decisions."
8. If data is stale, say so. Report data freshness before advising.

Reference Index

Detailed documentation is available in the references/ directory:

File	Contents
references/ext-finance-core.md	9 tools, storage layer, normalization functions
references/ext-plaid-connect.md	8 tools, Plaid Link flow, webhook handling
references/ext-alpaca-trading.md	10 tools, order lifecycle, safety limits
references/ext-ibkr-portfolio.md	9 tools, session management, market data fields
references/ext-tax-engine.md	23 tools, 15 parsers + 8 calculators/strategy, form field mappings
references/ext-market-intel.md	10 tools, Finnhub/SEC EDGAR/FRED/BLS/Alpha Vantage
references/ext-social-sentiment.md	6 tools, StockTwits/X/Twitter/Quiver Quantitative
references/data-models-and-schemas.md	Canonical types, enums, entity schemas
references/risk-and-policy-guardrails.md	Policy engine, approval tiers, hard rules
references/api-plaid.md	Full Plaid API reference
references/api-alpaca-trading.md	Full Alpaca API reference
references/api-ibkr-client-portal.md	IBKR Client Portal Web API reference
references/api-openclaw-framework.md	OpenClaw architecture reference
references/api-openclaw-extension-patterns.md	How to build OpenClaw extensions
references/api-irs-tax-forms.md	IRS tax form schemas and rules