joellewis
125 verified skills10,361 total stars
advisor-dashboards
Design, build, and optimize dashboards for RIA practice management with AUM tracking, revenue analytics, and KPI frameworks. Use when the user asks about tracking firm-level metrics, monitoring advisor productivity, measuring organic growth rate, analyzing client retention and attrition, building executive or branch manager views, setting up exception alerts for NIGO and operational items, benchmarking against industry peers, or designing role-based dashboard access. Also trigger when users mention 'how is the practice doing', 'revenue per advisor', 'client attrition', 'net new assets', 'effective fee rate', 'practice benchmarking', 'AUM growth decomposition', or 'advisor capacity'.
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tax-efficiency
Maximizes after-tax returns through strategic asset location, gain/loss management, and withdrawal sequencing. Use when the user asks about asset location, Roth conversions, tax-efficient withdrawals, tax lot selection, or charitable giving with appreciated securities. Also trigger when users mention 'which account should I hold bonds in', 'tax drag', 'Roth vs Traditional', 'RMD planning', 'bracket stuffing', 'HIFO vs FIFO', or ask how to minimize taxes on investments. For tax-loss harvesting execution and wash-sale mechanics, see the tax-loss-harvesting skill.
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financial-planning-integration
Integrate financial planning engines with the advisor technology stack — data flows between planning tools, CRM, PMS, custodians, and aggregation platforms; capital market assumption (CMA) governance and synchronization; plan-to-IPS-to-model linkage; and governed tax reference parameters in planning tools. Use when the user asks about connecting eMoney, MoneyGuidePro, or RightCapital to CRM or portfolio systems, eliminating manual re-entry between systems, keeping plan and portfolio assumptions consistent, mapping plan outputs (required return, risk capacity, withdrawal schedule) into the IPS and model assignment, or establishing plan update cadence and data-freshness rules. Also trigger on 'plan-to-IPS linkage', 'assumption synchronization', 'CMA governance', or 'planning tool integration'. For planning methodology itself — Monte Carlo modeling, Roth conversion strategy, Social Security claiming, retirement projections — use financial-planning-workflow instead.
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counterparty-risk
Guide counterparty credit risk measurement and management for OTC and securities trading, organized around three workflows: assessing a new counterparty, responding to a credit-deterioration event, and executing a default close-out. Use when measuring current or potential future exposure to a counterparty, setting or reviewing counterparty credit limits, evaluating ISDA Master Agreement netting and close-out mechanics, designing CSA collateral terms or uncleared margin compliance (VM/IM, SIMM), assessing central clearing mandates under Dodd-Frank or EMIR and CCP default waterfalls, monitoring creditworthiness via CDS spreads or ratings, quantifying wrong-way risk, or computing EAD, SA-CCR, and CVA. For Reg T and FINRA Rule 4210 brokerage margin see margin-operations; for settlement risk, DVP, and CLS see settlement-clearing.
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order-management-advisor
Manage the advisor trade lifecycle from order entry through settlement, covering block trading, allocation, pre-trade compliance, custodian routing, and error correction. Use when the user asks about designing an OMS for an RIA, executing model portfolio changes across many accounts, structuring block trades with fair allocation, configuring pre-trade compliance rules or restricted lists, routing orders to multiple custodians, handling trade errors or corrections, managing cash in trading workflows, or evaluating OMS platforms. Also trigger when users mention 'block trade', 'trade allocation', 'order management system', 'iRebal', 'Orion Trading', 'Tamarac Trading', 'best execution', 'trade error', 'mutual fund vs ETF orders', or 'audit trail'.
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asset-allocation
Determine how to distribute capital across asset classes using strategic and tactical allocation frameworks. Use when the user asks about portfolio allocation, mean-variance optimization, Black-Litterman, risk parity, glide paths, or target-date strategies. Also trigger when users mention 'how much in stocks vs bonds', '60/40 portfolio', 'policy portfolio', 'core-satellite', 'liability-driven investing', 'asset-liability matching', or ask how to split their money across investments.
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post-trade-compliance
Guide post-trade compliance monitoring and trade surveillance system design. Use when building alert logic to detect churning, front-running, cherry-picking, layering, spoofing, wash trading, or marking the close, implementing post-trade best execution review, evaluating allocation fairness with pro-rata verification or dispersion analysis, designing exception-based monitoring workflows with escalation paths, correlating trading with MNPI events for insider trading detection, building personal trading surveillance for preclearance and blackout enforcement, determining SAR or blue sheet or CAT reporting triggers, or tuning surveillance thresholds to reduce false positives. Also covers turnover ratios, cost-to-equity ratios, and investigation case management.
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alternatives
Analyze alternative investments including hedge funds, private equity, and venture capital. Use when the user asks about hedge fund strategies (long/short, macro, event-driven), PE or VC performance metrics (IRR, TVPI, DPI), fee structures ('2-and-20', carry, hurdle rates), the J-curve effect, illiquidity premiums, lock-up periods, or hedge fund replication. Also trigger when users mention 'managed futures', 'CTA', 'fund of funds', 'vintage year', 'capital calls', 'distributions', 'carried interest', or ask how to evaluate an alternative investment manager.
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bet-sizing
Determine how much capital to allocate to individual positions within a portfolio. Use when the user asks about position sizing, the Kelly criterion, fractional Kelly, risk budgeting, or conviction weighting. Also trigger when users mention 'how much to put in one stock', 'maximum position size', 'how concentrated should my portfolio be', 'number of holdings', 'VaR budget per position', 'how big a bet', or ask about scaling position sizes with volatility.
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account-opening-workflow
Design and operate back-office account opening pipelines from application intake through custodian submission and activation. Use when building account opening automation, reducing NIGO rejection rates from custodians or clearing firms, defining document requirements for trusts, entities, IRAs, or estate accounts, setting up multi-custodian account opening across Schwab, Fidelity, or Pershing, troubleshooting account opening failures or processing delays, or benchmarking cycle times and first-submission acceptance rates. For risk-based approval tiers and compliance screening requirements, see account-opening-compliance.
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corporate-actions
Process and manage corporate actions from announcement through settlement. Use when handling dividends, stock splits, reverse splits, mergers, or spin-offs, managing voluntary elections for tender offers, rights offerings, or exchange offers, calculating record date and ex-date entitlements under T+1 settlement, collecting and submitting elections to DTC or custodians, handling fractional shares and proration for reorganization events, adjusting cost basis and tax lots after events, reconciling expected entitlements against actual receipts, or investigating missed or incorrectly processed corporate actions.
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historical-risk
Quantify realized risk from historical data using volatility estimators, drawdown analysis, and downside risk metrics. Use when the user asks about historical volatility, maximum drawdown, drawdown duration, historical VaR, downside deviation, semi-variance, or tracking error. Also trigger when users mention 'how risky has this been', 'worst decline', 'Parkinson estimator', 'Yang-Zhang', 'peak-to-trough loss', 'recovery time', 'annualized volatility', or ask how to measure past investment risk.
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forward-risk
Estimate potential future losses using VaR, Expected Shortfall, Monte Carlo simulation, and stress testing. Use when the user asks about Value-at-Risk, CVaR, Expected Shortfall, scenario analysis, stress testing, or factor-based risk decomposition. Also trigger when users mention 'how much could I lose', 'worst-case scenario', 'tail risk', 'risk budget', 'component VaR', 'marginal VaR', '99% confidence loss', 'Monte Carlo simulation', or ask how to project portfolio risk forward.
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investment-policy
Construct comprehensive Investment Policy Statements governing return objectives, risk tolerance, and portfolio constraints. Use when the user asks about building an IPS, setting return objectives, assessing risk tolerance, defining investment constraints, or establishing rebalancing and benchmark policies. Also trigger when users mention 'investment plan', 'policy portfolio', 'risk capacity vs willingness', 'spending rate for an endowment', 'foundation payout', 'manager selection criteria', or ask how to document their investment strategy.
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lending
Analyze lending products including mortgages, HELOCs, and personal loans with amortization and comparison tools. Use when the user asks about mortgage comparison, fixed vs ARM rates, loan qualification, amortization schedules, extra payments, or buying points. Also trigger when users mention 'monthly payment calculation', '15-year vs 30-year mortgage', 'PMI', 'APR vs interest rate', 'HELOC', 'home equity', 'should I buy down the rate', 'biweekly payments', or ask how much house they can afford.
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advertising-compliance
Ensure investment advertising and marketing materials comply with SEC Marketing Rule and FINRA Rule 2210. Use when the user asks about performance advertising, showing backtested or hypothetical returns, net vs gross performance presentation, client testimonials or endorsements in marketing, social media posts by advisers or reps, third-party ratings in pitchbooks, or advertising recordkeeping. Also trigger when users mention 'can we show this track record', 'pitchbook compliance review', 'marketing rule violations', 'cherry-picking performance periods', 'predecessor performance portability', 'extracted performance', or ask whether a website, one-pager, or presentation needs compliance approval.
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performance-attribution
Decompose portfolio returns into explainable components to identify where value was added or lost. Use when the user asks about Brinson attribution, allocation vs selection effects, factor-based attribution, fixed-income attribution, or currency attribution. Also trigger when users mention 'what drove my returns', 'was it stock picking or sector bets', 'alpha decomposition', 'multi-period linking', 'interaction effect', 'active return breakdown', or ask why their portfolio outperformed or underperformed the benchmark.
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books-and-records
Guide the design and maintenance of recordkeeping programs under SEC Rules 17a-3, 17a-4, and 204-2. Use when the user asks about document retention schedules, how long to keep trade records or customer complaints, WORM storage requirements, email or text message archiving, social media capture, BYOD compliance policies, or electronic storage audit trails. Also trigger when users mention 'we got an exam request for records', 'migrating to a new archiving vendor', 'blotter retention', 'order ticket requirements', 'off-channel communications', 'WhatsApp archiving', or ask how long specific records must be kept.
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operational-risk
Guide identification, measurement, and management of operational risk in trading and brokerage operations. Use when designing trade error detection and correction procedures, investigating trade breaks and reconciliation failures, classifying loss events under Basel taxonomy, developing key risk indicators (KRIs) and dashboards, responding to system outages or data feed failures or order routing errors, conducting root cause analysis after a trade error or operational incident, planning business continuity and disaster recovery for trading desks, preparing for FINRA or SEC operational risk examinations, or assessing technology risk in OMS and market data systems. Also covers fat-finger errors, error account P&L, and corrective action tracking.
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advice-standards
Determine when a product, platform, or communication crosses the regulatory line from education into investment advice requiring investment adviser registration. Use when the user asks about the definition of investment advice under Advisers Act Section 202(a)(11), whether a fintech feature or AI chatbot constitutes advice, the publisher's exclusion for newsletters or model portfolios, the broker-dealer solely incidental exclusion, adviser registration thresholds and exemptions, or DOL education vs advice safe harbors. Also trigger when users ask 'do I need to register as an investment adviser', 'does this app give investment advice', 'is this tool just education or advice', 'robo-adviser registration', or 'disclaimer language for financial content'. (For what triggers a 'recommendation' under Reg BI, use reg-bi.)
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client-disclosures
Guide which client disclosure documents must exist, what each must contain, and when and how they must be delivered to clients of investment advisers and broker-dealers. Use when the user asks about Form ADV Part 2A or 2B content, Form CRS content and delivery, prospectus delivery obligations, privacy notice delivery, trade confirmation timing, account statement distribution, electronic vs paper delivery compliance, or the content and client-delivery side of the annual brochure update. Also trigger when users mention 'onboarding document checklist', 'what disclosures do we owe new clients', 'brochure supplement for a new adviser', or 'CRS conversation starters'. (For filing mechanics and regulatory deadlines — IARD amendments, Form PF, 13F — use regulatory-reporting; for whether fee disclosure content is adequate, use fee-disclosure.)
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tax-loss-harvesting
Execute a complete tax-loss harvesting workflow from candidate identification through post-harvest monitoring. Use when the user asks about finding TLH candidates, gain/loss budgeting, replacement security selection, wash-sale compliance, or harvest execution planning. Also trigger when users mention 'unrealized losses in my portfolio', 'swap ETFs for tax purposes', 'harvest losses before year-end', 'substantially identical security', 'wash-sale window', 'NIIT offset', 'loss carryforward', or ask how much tax they can save by harvesting.
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fiduciary-standards
Apply the investment adviser fiduciary duty (IA Act Section 206), ERISA fiduciary standards, the DOL fiduciary rule and PTE 2020-02, and state fiduciary rules. Use when the user asks whether a fiduciary standard applies, what the duty of care and duty of loyalty require of an adviser, ERISA Section 404 prudent expert obligations, PTE 2020-02 rollover exemption conditions, DOL fiduciary rulemaking status, or state-level fiduciary developments. Also trigger when users mention 'are we a fiduciary here', 'retirement plan adviser obligations', 'DOL fiduciary rule', or 'dual registrant hat switching' from the adviser side. (For the broker-dealer best-interest standard and the canonical Reg BI vs fiduciary comparison, use reg-bi.)
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investment-suitability
Assess investment suitability obligations under FINRA Rules 2111 and 2090 across all three suitability prongs. Use when the user asks about reasonable-basis, customer-specific, or quantitative suitability, product-specific concerns for complex products, leveraged ETFs, variable annuities, or alternatives, household-level suitability and concentration analysis, hold recommendations, or the institutional suitability exemption. Also trigger when users mention 'is this investment suitable', 'suitability questionnaire design', 'complex product due diligence', 'concentrated position in a client account', 'customer refused to provide their risk tolerance', or ask whether a recommendation fits a customer's profile. (For churning, turnover-ratio, and excessive-trading enforcement triggers, use sales-practices.)
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sales-practices
Identify and prevent sales practice violations under FINRA and SEC rules governing broker-dealer conduct. Use when the user asks about churning or excessive trading metrics, mutual fund breakpoint discounts, selling away or private securities transactions, outside business activities, unauthorized trading, supervisory procedure design, senior investor protections, trusted contact persons, variable annuity suitability, or options account approval. Also trigger when users mention 'turnover ratio is high', 'rep did trades without authorization', 'breakpoint abuse', 'trusted contact for elderly client', 'selling away from the firm', 'supervision failure', '1035 exchange review', 'marking the close', or ask whether a broker's conduct violates FINRA rules.
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statistics-fundamentals
Apply statistical methods to financial data including descriptive statistics, covariance estimation, regression, hypothesis testing, and resampling. Use when the user asks about return distributions, correlation between assets, building a covariance matrix, running a CAPM regression, testing whether alpha is significant, checking if returns are normal, or estimating confidence intervals. Also trigger when users mention 'volatility', 'how correlated are these', 'fat tails', 'skewness', 'R-squared', 'beta of a fund', 'bootstrap a Sharpe ratio', 'shrinkage estimator', 'Ledoit-Wolf', or ask why their optimizer produces unstable weights.
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reg-bi
Analyze the broker-dealer standard of conduct under SEC Regulation Best Interest's four obligations: Disclosure, Care, Conflict of Interest, and Compliance. Owns what triggers a 'recommendation' under Reg BI and the canonical comparison of Reg BI vs FINRA suitability vs IA fiduciary duty. Use when the user asks whether a broker-dealer recommendation satisfies Reg BI, how to evaluate reasonably available alternatives, rollover recommendation compliance, dual-registrant capacity disclosure, share class or account type recommendations, or Reg BI examination preparation. Also trigger when users mention 'best interest standard for brokers', 'is this a Reg BI recommendation', 'care obligation documentation', 'sales contest elimination requirement', or ask how Reg BI differs from suitability or fiduciary duty. (For the IA fiduciary duty itself and DOL rules, use fiduciary-standards.)
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settlement-clearing
Guide the understanding and management of trade settlement and clearing processes. Use when designing settlement workflows for T+1 compliance, understanding DTC/NSCC/FICC clearing infrastructure, analyzing continuous net settlement (CNS) netting obligations, setting up institutional trade processing (affirmation, confirmation, allocation, matching), investigating settlement fails and designing fail reduction programs, implementing buy-in procedures under Reg SHO Rule 204, assessing corporate action impact on pending settlements, evaluating DVP/RVP mechanics for institutional deliveries, handling when-issued or as-of trades, or managing settlement bank relationships and intraday liquidity. Also covers FX funding gaps for cross-border T+1 settlement.
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reference-data
Design and manage reference data systems — security master, client master, account master, identifier mapping, pricing data sources, golden source designation, and governance. Use when building or evaluating a security master database, mapping identifiers across systems (CUSIP to ISIN, SEDOL to FIGI), designing client master models for onboarding or KYC, defining account master attributes across custodians, designating golden sources and MDM patterns across systems, establishing a pricing vendor hierarchy with fallback order, establishing reference data governance and stewardship, handling identifier changes from corporate actions, or troubleshooting issues traced to missing or changed identifiers. Trigger on: security master, CUSIP, ISIN, SEDOL, FIGI, client master, account master, pricing data, reference data, golden source, MDM, master data, identifier mapping, data governance, vendor hierarchy.
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client-review-prep
Prepare advisors for client review meetings by assembling context packages, performance summaries, drift analysis, talking points, and meeting agendas. Use when the user asks about preparing for a client review, building a pre-meeting checklist, generating talking points for an upcoming meeting, identifying allocation drift before a review, automating review prep workflows, or assembling a meeting package with exhibits. Also trigger when users mention 'client meeting prep', 'review preparation', 'what should I discuss with my client', 'proactive recommendations', 'life event triggered review', 'meeting agenda', or 'compliance pre-check before review'.
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performance-reporting
Generate clear, accurate performance reports for investment portfolios with benchmarks, attribution, and risk dashboards. Use when the user asks about portfolio performance reports, return summaries, benchmark comparison, risk dashboards, goal progress tracking, or GIPS-compliant reporting. Also trigger when users mention 'quarterly report', 'how did my portfolio do', 'time-weighted vs money-weighted return', 'annualized returns', 'net-of-fee performance', 'rolling Sharpe', or ask how to present investment results to clients.
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debt-management
Provide frameworks for managing and paying off personal debt effectively. Use when the user asks about debt payoff strategies (avalanche vs snowball), refinancing decisions, debt consolidation, debt-to-income ratios, or the opportunity cost of paying off debt vs investing. Also trigger when users mention 'which debt to pay first', 'should I refinance', 'credit card debt', 'student loan payoff', 'DTI for mortgage', 'balance transfer', 'good debt vs bad debt', or ask how to get out of debt faster.
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conflicts-of-interest
Identify, disclose, and mitigate conflicts of interest in advisory and brokerage relationships under Reg BI and fiduciary duty. Use when the user asks about compensation-based conflicts, proprietary product incentives, revenue sharing disclosure, principal trading consent, soft dollar arrangements, pay-to-play restrictions, gifts and entertainment limits, personal trading policies, or code of ethics requirements. Also trigger when users mention 'is this a conflict', 'recommending our own funds', 'higher payout on annuities', 'outside business activity conflicts', 'allocation fairness across accounts', 'political contribution to a pension board member', or ask how to disclose or eliminate a conflict.
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finance-psychology
Recognize and mitigate cognitive biases that impair financial decisions, and coach clients toward values-driven financial lives. Use when the user asks about behavioral finance, money psychology, loss aversion, overconfidence, herd behavior, or emotional investing. Also trigger when users mention 'why do I panic sell', 'money fights with my spouse', 'I can never save enough', 'fear of investing', 'lifestyle creep', 'keeping up with the Joneses', 'Rich Life', 'money scripts', or ask how emotions affect financial decisions.
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emergency-fund
Size and structure an emergency fund based on individual circumstances, income stability, and expense profile. Use when the user asks about emergency fund sizing, how many months of expenses to save, where to keep emergency savings, or tiered fund structures. Also trigger when users mention 'rainy day fund', 'how much cash should I keep', 'high-yield savings account', 'money market fund', 'freelancer cash reserve', 'variable income buffer', or ask what counts as an emergency expense.
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fixed-income-structured
Analyze structured fixed income products including mortgage-backed securities, asset-backed securities, and CLOs. Use when the user asks about MBS, ABS, CLOs, CDOs, prepayment risk, tranching, or waterfall structures. Also trigger when users mention 'mortgage bonds', 'agency MBS', 'pass-through securities', 'PSA prepayment speed', 'negative convexity', 'extension risk', 'contraction risk', 'CMO tranches', 'securitization', or ask how structured products redistribute credit and prepayment risk.
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liquidity-management
Plan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash. Use when the user asks about cash flow forecasting, CD or bond laddering, liquidity tiers, income smoothing for variable earners, or sweep strategies. Also trigger when users mention 'T-bill ladder', 'where to park cash', 'irregular income budgeting', 'freelancer cash management', 'lumpy expenses', 'liquidity ratio', 'how much cash to hold', or ask how to plan for large upcoming expenses.
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quantitative-valuation
Estimate intrinsic value of stocks and companies using DCF, dividend discount models, comparable multiples, and residual income. Use when the user asks about discounted cash flow, DCF models, WACC, terminal value, dividend discount models, comparable multiples, or sum-of-the-parts valuation. Also trigger when users mention 'what is this stock worth', 'fair value estimate', 'Gordon growth model', 'free cash flow valuation', 'cost of equity', 'sensitivity analysis', 'exit multiple', or ask whether a stock is overvalued or undervalued.
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equities
Analyze equity securities, factor models, and equity portfolio construction. Use when the user asks about stocks, equity valuation ratios, index construction methods, or style analysis. Also trigger when users mention 'P/E ratio', 'growth vs value', 'market cap weighting', 'sector allocation', 'GICS classification', 'earnings per share', 'Fama-French factors', 'CAPM', 'dividend yield', 'PEG ratio', 'EV/EBITDA', or ask which factors explain equity returns.
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fixed-income-sovereign
Analyze US Treasury securities and interest rate risk: bond pricing, yield curve construction, duration, convexity, TIPS, and forward/spot rate analysis. Use when the user asks about Treasury bonds, yield curve construction, interest rate risk, duration, convexity, TIPS, or breakeven inflation rates. Also trigger when users mention 'T-bills', 'T-notes', 'bond pricing', 'yield to maturity', 'inverted yield curve', 'forward rates', 'spot rates', 'DV01', 'real yields', or ask how bonds react to interest rate changes.
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diversification
Build diversified portfolios using correlation analysis, efficient frontier construction, and factor-based diversification. Use when the user asks about portfolio variance, correlation effects, the efficient frontier, minimum variance portfolios, diversification ratios, or factor diversification. Also trigger when users mention 'don't put all eggs in one basket', 'how many stocks do I need', 'correlation breakdown in a crisis', 'are my holdings really diversified', 'risk contributions', or ask why diversification fails during market crashes.
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commodities
Analyze commodity markets including futures curve dynamics, roll yield, and supply/demand fundamentals. Use when the user asks about commodity investing, commodity ETFs, contango, backwardation, roll yield, commodity indices (GSCI, BCOM), or commodities as an inflation hedge. Also trigger when users mention 'oil prices', 'gold as a safe haven', 'agricultural futures', 'convenience yield', 'storage costs', 'natural gas', 'copper demand', or ask why commodity ETF returns differ from spot price changes.
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fixed-income-corporate
Analyze corporate bonds and credit instruments including investment grade and high yield debt. Use when the user asks about corporate bonds, credit spreads (OAS, Z-spread, G-spread), credit ratings, default probabilities, callable bonds, or private credit. Also trigger when users mention 'junk bonds', 'fallen angel', 'yield-to-worst', 'covenant analysis', 'CDS spreads', 'recovery rates', 'direct lending', 'mezzanine debt', 'BBB downgrade risk', or ask how to evaluate corporate credit risk.
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currencies-and-fx
Analyze currency markets, exchange rate mechanics, and FX risk management for international portfolios. Use when the user asks about exchange rates, FX hedging, interest rate parity, carry trades, forward premiums, cross rates, or currency overlay programs. Also trigger when users mention 'strong dollar', 'weak euro', 'hedging foreign stocks', 'purchasing power parity', 'currency risk in my portfolio', 'EUR/USD', 'yen carry trade', or ask whether to hedge international investments.
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fund-vehicles
Compare and select investment vehicles including mutual funds, ETFs, index funds, and separately managed accounts. Use when the user asks about ETF vs mutual fund, expense ratios, fund tax efficiency, ETF creation/redemption, tracking error, or share class comparisons. Also trigger when users mention 'which fund should I buy', 'Vanguard vs Fidelity', 'index fund costs', '12b-1 fees', 'load vs no-load', 'SMA vs ETF', 'fund turnover ratio', 'securities lending', or ask how fees compound over time.
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real-assets
Analyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets. Use when the user asks about real estate investing, REITs, cap rates, NOI, FFO, AFFO, property valuation, or infrastructure investments. Also trigger when users mention 'rental property analysis', 'cash-on-cash return', 'gross rent multiplier', 'REIT dividends', 'real estate sectors', 'cell towers', 'toll roads', 'LTV ratio', 'DSCR', or ask whether to invest in real estate directly or through REITs.
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volatility-modeling
Model, forecast, and interpret volatility using time-series models and options-implied measures. Use when the user asks about EWMA, GARCH models, implied volatility, volatility surfaces, volatility term structure, or the VIX. Also trigger when users mention 'volatility smile', 'volatility skew', 'realized vs implied vol', 'volatility risk premium', 'vol clustering', 'mean-reverting volatility', 'options pricing inputs', 'RiskMetrics', 'decay factor', or ask how to forecast future volatility for risk management.
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client-onboarding
Design and implement end-to-end client onboarding workflows from prospect intake through funded account, covering KYC verification, document collection, e-signature, and custodian submission. Use when the user asks about building a digital onboarding flow, integrating identity verification or CIP checks, reducing NIGO rejection rates, opening complex account types like trusts or entities, connecting to custodian APIs, designing suitability questionnaires, or comparing advisor-assisted vs self-service models. Also trigger when users mention 'new account opening', 'onboarding bottleneck', 'KYC integration', 'beneficial ownership', 'OFAC screening', 'account funding', or 'onboarding automation'.
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financial-planning-workflow
Orchestrate the advisor workflow for assembling and delivering a comprehensive financial plan — data gathering, cash flow analysis, retirement modeling, Monte Carlo analysis, Roth conversion and withdrawal sequencing, Social Security claiming strategy, education and estate goals, scenario modeling, and prioritized recommendations. Use when the user asks about building a financial plan, structuring a planning engagement, retirement or Social Security modeling, Roth conversion strategy, scenario analysis, prioritizing competing recommendations, preparing a plan presentation, or deciding when a plan needs updating. Also trigger on 'comprehensive financial plan', 'discovery meeting', 'retirement modeling', 'Monte Carlo', 'Roth conversion', 'Social Security claiming', 'savings rate', or 'is my client on track'. For planning-tool data flows, capital market assumption governance, or connecting planning software to CRM/PMS, use financial-planning-integration instead.
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return-calculations
Compute and compare investment return metrics including TWR, MWR (dollar-weighted IRR on portfolio cash flows), CAGR, and annualized returns. Use when the user asks about portfolio performance calculation, comparing manager returns, linking sub-period returns, understanding why different return methods give different numbers, converting returns across time periods, or computing the IRR of an investor's own contributions and withdrawals. Also trigger when users mention 'how much did I make', 'annual return', 'compound growth', 'dollar-weighted vs time-weighted', 'what was my rate of return', 'geometric vs arithmetic mean', 'log returns', or ask about the effect of cash flows on reported returns. For project or loan IRR, NPV, and generic 'solve for the rate' problems, use time-value-of-money instead.
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gips-compliance
Ensure firms claiming GIPS compliance under the CFA Institute Global Investment Performance Standards satisfy requirements for composite construction, performance calculation, presentation, and verification. Use when the user asks about building composites, time-weighted return calculation under GIPS, GIPS Reports and pooled fund reports, error correction policies, wrap fee or SMA program performance under GIPS, GIPS verification, or GIPS advertising guidelines. Also trigger when users mention 'claiming GIPS compliance', 'composite membership rules', 'terminated portfolio returns', 'gross vs net of fees under GIPS', or 'GIPS verification findings'. (For SEC Marketing Rule and FINRA 2210 regulatory compliance of marketing materials, use advertising-compliance.)
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margin-operations
Guide margin lending, margin requirements, and margin call operations for brokerage and advisory accounts. Use when calculating Reg T initial margin or buying power, determining maintenance margin or house requirements, evaluating portfolio margin eligibility under OCC TIMS, generating or resolving margin calls (fed call, house call, exchange call, day-trade call), designing forced liquidation waterfall logic, structuring securities-backed lines of credit (SBLOC), computing margin interest impact on returns, assessing concentrated position margin, understanding pattern day trader rules, or reviewing FINRA 4210 and Reg U requirements. Also covers SMA calculations and short margin mechanics. For OTC derivatives margin (variation/initial margin, CSAs, SIMM) see counterparty-risk.
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trade-execution
Guide the design, evaluation, and monitoring of trade execution quality and best execution practices. Use when assessing best execution obligations under FINRA Rule 5310 or RIA fiduciary duty, designing smart order routing across exchanges and dark pools, selecting execution algorithms (VWAP, TWAP, implementation shortfall, POV), building transaction cost analysis (TCA) for pre-trade estimation or post-trade measurement, analyzing bid-ask spread decomposition or market impact or information leakage, conducting best execution committee reviews, evaluating payment for order flow (PFOF) arrangements, interpreting Rule 605/606 reports, or handling fixed income or ETF execution via RFQ protocols. Also covers Reg NMS Order Protection Rule and venue fee structures.
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fixed-income-municipal
Analyze municipal bonds including tax-equivalent yield calculations, GO vs revenue bond evaluation, and muni credit analysis. Use when the user asks about municipal bonds, tax-exempt income, tax-equivalent yield, AMT bonds, callable bonds, yield-to-worst on munis, or muni credit quality. Also trigger when users mention 'muni bonds', 'tax-free bonds', 'state tax exemption', 'general obligation', 'revenue bonds', 'Build America Bonds', 'muni yield ratio', 'de minimis rule', or ask whether munis make sense for their tax bracket.
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qualitative-valuation
Assess business quality, competitive positioning, and sustainability of value creation beyond financial models. Use when the user asks about economic moats, competitive advantages, Porter's Five Forces, management quality, ESG integration, or business model analysis. Also trigger when users mention 'does this company have a moat', 'switching costs', 'network effects', 'brand value', 'management track record', 'capital allocation', 'insider ownership', 'red flags', or ask whether a company's advantage is durable.
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savings-goals
Plan and track savings for specific financial goals including retirement, education, and home purchase. Use when the user asks about required savings rates, 529 plans, retirement accumulation targets, down payment planning, or goal prioritization. Also trigger when users mention 'how much do I need to save each month', 'am I on track for retirement', 'college savings', 'safe withdrawal rate', '4% rule', 'FIRE savings rate', 'catch-up contributions', 'employer match', or ask how to balance competing savings goals.
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anti-money-laundering
Guide BSA/AML compliance program design, ongoing transaction monitoring, and FinCEN reporting for broker-dealers, banks, and investment advisers. Use when the user asks about suspicious activity reports, currency transaction reports, OFAC screening, structuring detection, ongoing risk-rating reviews and escalation, or FinCEN requirements. Also trigger when users mention 'large cash deposit', 'sanctions check', 'money laundering red flags', 'unusual transaction patterns', 'wire to a foreign country', 'SDN list', 'tipping off a client about a SAR', 'AML audit', 'correspondent account due diligence', or ask whether a transaction needs to be reported. (For onboarding identity verification, CIP/CDD, beneficial ownership, and initial customer risk rating, use know-your-customer.)
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next-best-action
Design and implement next-best-action engines that surface proactive, prioritized recommendations to advisors based on portfolio, life, market, and compliance events. Use when the user asks about building event-driven advisor alerts, designing trigger logic for portfolio drift or large cash movements, prioritizing competing actions across a book of business, routing NBA recommendations to the right team member, measuring NBA acceptance rates, or automating compliance-driven actions like annual review reminders. Also trigger when users mention 'next best action', 'advisor nudges', 'proactive outreach', 'what should I do for this client', 'event-driven triggers', 'action queue', 'client contact gap', 'RMD reminder', or 'advisor productivity tool'.
tools123
account-maintenance
Process account maintenance requests across the account lifecycle. Use when changing a client address or contact info with identity verification, updating beneficiary designations after marriage, divorce, birth, or death, re-registering or re-titling an account to a trust or new entity, selecting tax lot methods or fixing cost basis records, applying legal or compliance holds or Reg T freezes, setting up systematic withdrawals or standing instructions, processing a death notification and estate account setup, handling a QDRO, power of attorney, or guardianship, closing accounts and managing escheatment, or designing data quality review programs.
tools123
workflow-automation
Design human-in-the-loop workflow orchestration for securities operations: task routing, approval chains, and SLA monitoring. Use when building multi-level approval chains with dollar thresholds and delegation of authority, enforcing four-eyes (maker-checker) controls, defining escalation rules for aging work items approaching SLA breach, designing human-in-the-loop gates, selecting a workflow engine or BPM platform (Camunda, Pega, ServiceNow), modeling a process as a state machine, adding audit trails for SEC Rule 17a-3/17a-4 or FINRA supervisory obligations, or migrating from email-and-spreadsheet tracking. For zero-touch automation rates and STP measurement, see stp-automation.
tools123
reconciliation
Design and operate reconciliation processes across portfolio management, custodian, and clearing systems. Use when building a daily position, cash, or transaction reconciliation process, investigating discrepancies between internal records and custodian records, diagnosing recurring break patterns from corporate actions or pricing differences, setting tolerance thresholds for position, cash, or market value matching, implementing three-way reconciliation, designing break investigation workflows with aging and escalation, normalizing multi-custodian feeds from Schwab, Fidelity, or Pershing, reconciling cost basis or accrued income, or preparing for examinations on books and records accuracy.
development123
fee-disclosure
Evaluate whether the substance of fee and cost disclosures is complete, accurate, and not misleading across advisory, brokerage, fund, and retirement plan contexts. Use when the user asks whether Form ADV Item 5 fee content is adequate, prospectus fee table format, Reg BI cost disclosure content, 12b-1 fee transparency, revenue sharing arrangements, wrap fee program cost-effectiveness, or ERISA 408(b)(2)/404a-5 fee disclosure content. Also trigger when users mention 'hidden fees', 'total cost to the client', 'are we disclosing all layers of fees', 'expense ratio comparison', 'fee billing in advance vs arrears', 'share class selection', or 'indirect compensation'. (For which disclosure documents must exist and when they are delivered, use client-disclosures.)
tools123
privacy-data-security
Design and operate privacy and data security programs for SEC-registered firms under Reg S-P, Reg S-ID, and SEC cybersecurity expectations. Use when the user asks about privacy notices, the Safeguards Rule, identity theft prevention programs, breach notification obligations, vendor security due diligence, incident response planning, data classification, or state privacy law compliance. Also trigger when users mention 'customer data was exposed', 'do we need to notify clients of a breach', 'cybersecurity exam prep', 'cloud vendor risk assessment', 'encrypting client data', 'BYOD security policy', 'Red Flags Rule', 'NY DFS 500 requirements', or ask how to handle a cybersecurity incident.
tools123
integration-patterns
Design and implement integration architectures connecting financial systems — APIs, FIX protocol, ISO 20022, event-driven patterns, batch feeds, idempotency, and resilience. Use when building custodian integration pipelines, implementing FIX connectivity for order routing, designing ISO 20022 or SWIFT migration messaging, building batch file processing for custodian feeds or EOD reconciliation, implementing idempotency for transaction APIs, designing retry or circuit breaker patterns, mapping data between systems with different schemas, or troubleshooting integration failures causing recon breaks. Trigger on: FIX protocol, ISO 20022, custodian feed, batch processing, API design, idempotency, circuit breaker, dead letter queue, data mapping, integration architecture, SWIFT migration, mTLS, file feed, event-driven, message broker.
development123
pre-trade-compliance
Guide the design and implementation of automated pre-trade compliance systems that validate orders before execution. Use when building a compliance rule engine for an RIA or broker-dealer, configuring hard blocks and soft blocks, maintaining restricted and watch lists including MNPI-driven restrictions, setting concentration limits at security/sector/issuer level, implementing position limits or short selling controls, enforcing wash sale detection or free-riding prevention or pattern day trader identification, applying client-specific ESG screens or legal constraints, designing compliance override workflows with authorization and documentation, backtesting compliance rules, or evaluating compliance check latency impact on execution quality.
tools123
digital-assets
Analyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics. Use when the user asks about crypto investing, Bitcoin, Ethereum, staking yields, DeFi lending, impermanent loss, or on-chain valuation metrics. Also trigger when users mention 'blockchain', 'proof of stake', 'proof of work', 'smart contracts', 'NFTs', 'stablecoins', 'NVT ratio', 'TVL', 'crypto portfolio allocation', 'halving', or ask about risks and returns of cryptocurrency.
data-ai123
rebalancing
Maintain portfolio allocations over time using calendar-based, threshold-based, and tax-efficient rebalancing strategies. Use when the user asks about when to rebalance, rebalancing bands, transaction cost trade-offs, tax-efficient rebalancing, or the rebalancing premium. Also trigger when users mention 'my portfolio drifted', 'how often should I rebalance', 'rebalancing across taxable and IRA accounts', 'volatility harvesting', 'buy low sell high automatically', or ask whether to use cash flows to rebalance.
testing123
order-lifecycle
Guide the design and implementation of order lifecycle management in trading systems. Owns FIX application-layer message flows (NewOrderSingle, ExecutionReport, cancel/replace) and order state. Use when building an order state machine for an OMS or EMS, handling cancel/replace race conditions, defining pre-submission validation rules (buying power, position limits, restricted lists), selecting order types and time-in-force instructions, designing multi-leg or OCO or bracket orders, building CAT-compliant audit trails, troubleshooting order rejections or unexpected state transitions, hardening an OMS against edge cases, or implementing order persistence and recovery for failover. Also covers execution-report handling, ClOrdID chaining, and partial fill aggregation. For FIX session management (logon, sequence gaps, disconnects) see exchange-connectivity.
development123
performance-metrics
Evaluate investment performance on a risk-adjusted basis using industry-standard ratios and capture analysis. Use when the user asks about Sharpe ratio, Sortino ratio, Information Ratio, Treynor ratio, Calmar ratio, Omega ratio, or upside/downside capture. Also trigger when users mention 'risk-adjusted returns', 'return per unit of risk', 'M-squared', 'is this fund worth the volatility', 'how to compare two managers', 'capture ratio', or ask which investment performed better after accounting for risk.
development123
client-reporting-delivery
Design, generate, and deliver client performance reports across all channels, covering quarterly reports, tax reporting, portal integration, and compliance review. Use when the user asks about building or redesigning report templates, choosing what to include in quarterly or annual client reports, transitioning from print to digital delivery, integrating a client portal, presenting net-of-fee performance with benchmarks, managing report production timelines, or handling e-delivery consent. Also trigger when users mention 'client reporting', 'quarterly performance report', 'report customization', 'tax lot report', '1099 supplement', 'report disclaimers', 'UHNW reporting', or 'report QA process'.
tools123
portfolio-management-systems
Select, configure, and operate portfolio management systems for advisory firms, covering model portfolios, UMA/sleeve management, drift monitoring, rebalancing, and custodian data feeds. Use when the user asks about choosing a PMS platform, building or distributing model portfolios, implementing UMA or sleeve-based management, setting drift monitoring thresholds, aggregating held-away assets, reconciling PMS with custodian records, configuring PMS-based billing, or troubleshooting custodian feed issues. Also trigger when users mention 'portfolio management system', 'Orion', 'Black Diamond', 'Tamarac', 'Addepar', 'Advent APX', 'model portfolio', 'sleeve management', 'rebalancing engine', 'custodian feed', or 'PMS migration'.
development123
proposal-generation
Generate end-to-end investment proposals covering risk profiling, model portfolio recommendation, fee illustration, projections, and compliance review. Use when the user asks about creating a proposal for a prospect, mapping risk questionnaire scores to model portfolios, building fee illustrations with tiered costs, producing Monte Carlo or scenario projections, analyzing a prospect's current portfolio for improvement opportunities, reviewing proposals for SEC Marketing Rule compliance, or designing proposal templates for a multi-advisor firm. Also trigger when users mention 'investment proposal', 'proposal generation', 'risk profiling', 'Riskalyze', 'Nitrogen', 'fee illustration', 'transition analysis', 'current vs proposed portfolio', or 'proposal compliance review'.
development123
account-transfers
Process and manage account transfers between and within financial institutions. Use when handling full or partial ACAT transfers between broker-dealers, troubleshooting ACAT rejection codes or FINRA Rule 11870 timelines, setting up non-ACAT transfers (Fund/SERV, DTC free delivery, physical certificates), processing internal journal entries, handling retirement rollovers or Roth conversions with proper tax reporting, transferring cost basis under IRC Section 6045A, moving decedent assets to beneficiaries with date-of-death step-up, or reconciling residual credits and fractional shares after transfer completion.
development123
account-opening-compliance
Embed compliance controls into account opening and verify regulatory readiness. Use when designing CIP/KYC identity verification gates, implementing OFAC and sanctions screening at onboarding, collecting beneficial ownership certification for entity or trust accounts, building risk-based approval tiers that route applications by risk level, defining compliance screening requirements and exception tracking, adding senior investor protections (FINRA Rules 2165/4512) or trusted contact procedures, establishing CDD risk ratings and ongoing monitoring triggers, or preparing account opening procedures for SEC or FINRA examination. For the operational pipeline these controls plug into, see account-opening-workflow.
development123
crm-client-lifecycle
Design and optimize CRM systems and client lifecycle workflows for advisory firms, covering segmentation, household management, service tiers, and retention analytics. Use when the user asks about client segmentation models, building household structures, defining service tier SLAs, scheduling reviews, tracking lifecycle stages from prospect through estate, identifying at-risk clients, analyzing wallet share, consolidating held-away assets, or evaluating CRM platforms. Also trigger when users mention 'client segmentation', 'retention risk', 'at-risk clients', 'household linking', 'multi-generational', 'service tiers', 'Redtail', 'Wealthbox', 'Salesforce for advisors', 'referral tracking', or 'contact gap'.
tools123
stp-automation
Measure and raise straight-through processing (STP) rates in securities operations through zero-touch, exception-based processing. Use when measuring STP rates and analyzing manual touchpoints in an existing process, replacing review-all workflows with exception-based processing, evaluating RPA vs API-based vs hybrid automation for legacy systems, building exception queuing, categorization, and auto-resolution workflows, conducting process mining or root cause analysis on exception volumes, or setting STP rate targets and continuous improvement programs. For approval chains, four-eyes controls, and SLA monitoring, see workflow-automation.
tools123
examination-readiness
Prepare for and respond to SEC and FINRA regulatory examinations across the full exam lifecycle. Use when the user asks about exam notification letters, document request lists, deficiency letter responses, mock examination programs, annual compliance reviews under Rule 206(4)-7, or SEC/FINRA examination priorities. Also trigger when users mention 'we just got an exam letter', 'preparing for our first SEC exam', 'how to respond to a deficiency finding', 'staff interview preparation', 'what does OCIE look for', 'examination readiness checklist', 'sweep exam on off-channel comms', or ask what to expect during a regulatory audit.
development123
know-your-customer
Guide customer onboarding identification, due diligence, and profile maintenance under FINRA Rule 2090, the CIP rules, and the FinCEN CDD Rule. Use when the user asks about onboarding identity verification, beneficial ownership collection for entity accounts, enhanced due diligence for PEPs or high-risk customers at account opening, assigning the initial customer risk rating, KYC refresh triggers, or documentary vs non-documentary verification. Also trigger when users mention 'account opening requirements', 'who is the beneficial owner', 'new client identity check', 'how often to update KYC', 'essential facts for the account', 'foreign customer onboarding', or ask what information must be gathered before opening an account. (For ongoing transaction monitoring, SAR filing, and surveillance-driven risk re-rating, use anti-money-laundering.)
tools123
regulatory-reporting
Guide regulatory filing mechanics and deadlines for investment advisers, broker-dealers, and large traders — which forms to file, where, and by when. Use when the user asks about Form PF filing thresholds, 13F institutional holdings reports, 13H large trader filings, Form ADV amendment filing timing (including the annual updating amendment filed via IARD), FOCUS report preparation, blue sheet requests, CAT reporting infrastructure, or FINRA short interest and TRACE reporting. Also trigger when users mention 'filing deadline calendar', 'do we need to file Form PF', 'crossed the $100M 13F threshold', 'CAT clock synchronization', 'how to respond to a blue sheet request', or 'FOCUS report errors'. (For what the ADV brochure must contain and when it must be delivered to clients, use client-disclosures.)
tools123
time-value-of-money
Calculate present value, future value, NPV, IRR for projects and loans, loan payments, and amortization schedules across all compounding conventions. Use when the user asks about discounting cash flows, valuing an annuity or perpetuity, comparing investments with different timing, building a mortgage amortization table, evaluating whether a project is worth pursuing, or solving for the rate that equates cash flows (project IRR, loan IRR, yield on an investment). Also trigger when users mention 'what is it worth today', 'how much will I have in 20 years', 'monthly payment on a loan', 'discount rate', 'Gordon growth model', 'effective annual rate', 'continuous compounding', or ask how to compare a lump sum versus a stream of payments. For portfolio money-weighted return (dollar-weighted IRR on an investor's contributions and withdrawals), use return-calculations instead.
development123
fee-billing
Build and manage advisory fee billing operations from fee schedule design through calculation, collection, revenue recognition, and compliance disclosure. Use when the user asks about tiered or breakpoint fee schedules, billing cycle configuration, AUM valuation for billing, direct-debit vs invoice collection, GAAP revenue recognition for fees, ADV Part 2A or Reg BI fee disclosure, diagnosing billing exceptions or refunds, migrating from spreadsheet billing to automated systems, or forecasting advisory revenue. Also trigger when users mention 'fee calculation', 'billing engine', 'effective fee rate', 'household billing aggregation', 'mid-period adjustment', 'billing in advance vs arrears', 'fee compression', or 'ERISA 408(b)(2)'.
development123
exchange-connectivity
Guide the design and management of trading venue connectivity and market data infrastructure. Owns the FIX session layer (logon, heartbeats, sequence number gaps, resend and gap recovery, disconnects). Use when building or troubleshooting FIX sessions for order routing or drop copy, integrating exchange protocols like OUCH, ITCH, PITCH, or Pillar, designing market data feed architecture (consolidated SIP vs direct feeds), handling trading halts or circuit breakers or LULD bands, planning co-location or failover and disaster recovery for exchange connectivity, implementing Rule 15c3-5 market access controls, or mapping symbology across venues and data sources. For order state machines and execution-report handling see order-lifecycle.
development123
data-quality
Design and operate data quality programs for financial data — validation rules, pricing validation, data lineage, exception management, profiling, and governance. Use when building validation rules for pricing or client data pipelines, detecting stale prices, designing a data quality monitoring framework, calibrating validation thresholds, implementing data lineage for BCBS 239 or MiFID II, investigating reconciliation breaks or billing errors traced to bad data, preparing for regulatory exams on data accuracy, building data quality scorecards, or defining data stewardship roles. Trigger on: data quality, pricing validation, stale prices, data lineage, data validation, data profiling, exception management, data governance, BCBS 239, data completeness, data accuracy, validation rules, data anomaly, data stewardship, data quality scorecard.
tools123
market-data
Design and manage market data infrastructure — real-time and delayed feeds, Level 1/2/3 depth, consolidated tape vs direct feeds, vendor selection, licensing, and distribution architecture. Use when choosing between real-time and delayed data, evaluating market data vendors like Bloomberg or Refinitiv, designing ticker plants or fan-out architecture, managing exchange data licensing and entitlements, diagnosing stale quotes or missing ticks, deciding between SIP and direct exchange feeds, or assessing Level 2/3 depth-of-book requirements for trading. Trigger on: market data, Level 1/2/3, depth of book, consolidated tape, SIP, direct feed, NBBO, ticker plant, B-PIPE, data license, non-display use, market data entitlements, conflation, tick data, real-time feed.
testing123
buyer-persona
Use when defining target users, customers, or audience segments to ensure they are grounded in real customer jobs rather than arbitrary demographics.
tools
competitive-analysis
Use when performing a structured teardown of a specific competitor's activity system, moat, or vulnerability profile—requires at least one named rival to analyze.
testing
copy-editor
Performs line-level prose editing — pruning adverbs, activating voice, cutting redundancy, and enforcing parallel structure for concision and readability. Use when revising any written content, even if the request is just 'make this better,' 'tighten this up,' or 'clean up the writing.'
testing
team-builder
Creates high-trust, high-performance team environments through structural mechanisms for psychological safety, shared consciousness, and empowered execution. Use when building team culture, onboarding new teams, diagnosing team dysfunction, or improving collaboration.
development
decision-frameworks
Use when choosing between mutually exclusive strategic paths or building a repeatable decision process—constructs Decision Matrices with probability estimates and runs Pre-Mortems.
development
difficult-conversations
Use when confronting a specific counterpart about a breach, violation, or adversarial behavior — situations where trust is already broken and the goal is accountability or resolution, not relationship-building. Not for giving developmental feedback (use feedback-coach) or building trust with new people (use rapport-builder).
development
executive-briefing
Crafts senior leadership communications that deliver judgment rather than activity reports, connecting directly to organizational strategy and driving clear decisions. Use when presenting to board members, C-suite executives, or senior leadership — including status updates, recommendations, and escalations.
testing
fiction-architect
Designs plot structure and story arcs using McKee's value turns, Campbell's monomyth, and Sanderson's Promise/Progress/Payoff model to ensure causal integrity and emotional resonance. Use when constructing narratives, outlining novels, or diagnosing why a story feels broken.
data-ai
first-90-days
Provides a structured framework for new-role transitions — accelerating credibility, avoiding the Savior Trap, and reaching the breakeven point where value contribution exceeds consumption. Use when starting a new job, joining a new team, or taking on expanded responsibilities.
development
mental-model-library
Use when a problem spans multiple disciplines or when single-domain thinking has produced stale analysis—applies Munger's latticework of mental models across physics, biology, and psychology.
development
influence-architect
Use when you need to act on a known political landscape — building coalitions, persuading specific people, or maneuvering to get a decision approved. Assumes you already know who the stakeholders are (if not, use stakeholder-discovery first to map them).
development
learning-accelerator
Compresses domain mastery using Ultralearning and Metacognition principles — moving from passive consumption to active production through directness, retrieval practice, and feedback loops. Use when learning a new domain rapidly, building a study plan, or preparing for a high-stakes professional skill.
development
market-context
Use when validating market timing, structural forces, or distribution moats before committing strategic resources—focuses on macro context, not individual competitor teardowns.
tools
negotiation-tactician
Transforms negotiations into structured discovery using tactical empathy, interest analysis, and calibrated questions from Voss, Fisher, and Malhotra. Use when preparing for or conducting any negotiation — deals, contracts, salary, partnerships, or vendor terms.
development
one-pager
Use when compressing a complex strategy or analysis into a strictly one-page narrative—enforces Pyramid SCQ structure and Orwell word-budget discipline.
testing
operational-excellence
Designs high-leverage execution systems that translate strategic choices into measurable output — building mechanisms (not intentions), managing controllable inputs, and optimizing team topology for flow. Use when designing OKR frameworks, operational processes, or execution rhythms.
development
platform-strategist
Analyzes platform business models by distinguishing Aggregators from Platforms, mapping network effects, and identifying when to externalize internal primitives as ecosystem growth engines. Use when evaluating platform dynamics, designing marketplace strategy, or analyzing aggregation and network effects.
data-ai
rapport-builder
Use when building trust with people who don't yet know or trust you — new teams, new roles, hostile audiences, or strained relationships where the goal is connection before any ask. Applies Tactical Empathy through mirroring, labeling, and belonging cues. Not for confrontation (use difficult-conversations) or giving feedback (use feedback-coach).
development
writing-skills
Enforces a test-driven approach to skill authoring — defining what a skill must achieve before writing content to prevent hallucinated utility or ungrounded advice. Use when creating new skills, editing existing ones, or verifying skill quality before deployment.
tools
resonance-engine
Use when writing is structurally clear but emotionally flat—adds turning points, sensory metaphors, and change hooks using Storr's brain-change model and Hopkins' specificity techniques.
testing
stakeholder-discovery
Use when you need to map who has power, who will be affected, and what motivates each party — produces a stakeholder map as an analytical artifact. This skill identifies and categorizes stakeholders; it does not persuade or influence them (use influence-architect for that).
development
dialogue-craft
Writes and refines dialogue that serves plot and reveals character through subtext, intention, and behavioral exchange — applying McKee's subtext principle and Sorkin's intention-and-obstacle model. Use when dialogue feels flat, expository, or 'on the nose.'
testing
world-building-logic
Engineers internally consistent fictional worlds using Brand's Pace Layers for social structure and Sanderson's Laws of Magic for system constraints. Use when building settings, designing magic or tech systems, or auditing a world for logical contradictions.
development
business-case
Use when justifying investment, resource allocation, or strategic decisions with financial and logical reasoning to ensure positive ROI and alignment with long-term goals.
development
hiring-talent
Designs rigorous hiring processes using structured behavioral interviews and work sample tests, replacing gut feel with data-driven evaluation of energy, obsession, and persistence. Use when building interview loops, evaluating candidates, writing job descriptions, or designing talent strategy.
development
using-skills
Invoke before responding to any non-trivial task—enforces the 1% rule that if any skill has even a 1% chance of improving output, it must be invoked first.
tools
stakeholder-review
Use when a deliverable needs structured stakeholder sign-off before finalization—runs the pre-read, feedback-type alignment, and conflict-resolution protocol.
databases
prd-writing
Use when translating a product vision into engineering requirements—enforces the Working Backwards PR/FAQ method, requiring a customer-facing press release before any technical spec.
testing
problem-framing
Use when beginning analytical or strategic tasks, facing undefined problems, or facing analysis paralysis—requires explicit problem definition before proceeding.
testing
memo-stress-tester
Stress-tests business documents for logical gaps, unproven assertions, and structural weakness using the Amazon narrative standard, Minto's pyramid logic, and the Completed Staff Work doctrine. Use when evaluating memos, proposals, strategy docs, or any document headed to executive review.
testing
assumption-audit
Use as the mandatory evidence gate before signing off on any strategy, PRD, or business case—audits every key claim against documented sources and assigns calibrated probabilities.
testing
scientific-advertising
Applies Hopkins' testing rigor and Ogilvy's brand-building discipline to write advertising copy where every line justifies its cost through traced results. Use when writing ads, marketing materials, landing pages, or any evidence-based persuasive content.
development
pitch-deck
Builds investor pitches and funding proposals that prove a 'secret' through data and narrative — answering 'Why Now?' and 'Why Us?' using Thiel's definite optimism framework. Use when creating pitch decks, internal presentations, or funding requests.
development
prompt-optimizer
Engineers prompts into clear, structured, model-optimized instructions using the 4-D methodology (Deconstruct, Diagnose, Develop, Deliver) with architecture-specific tuning. Use when a draft prompt, instruction set, or agent skill description needs refinement for clarity or improved performance.
development
getting-started
Use at the start of any session or when a task has no clear skill assignment—routes the request to the correct skill family and establishes workflow chain context.
data-ai
non-fiction-precision
Use when a document's argument buries its conclusion or has logical gaps—applies Minto's Pyramid (Answer First, MECE grouping) and Orwell's concision rules to rebuild structure.
development
character-vulnerability
Use when a character feels flat, too competent, or unrelatable—identifies the Sacred Flaw (Storr's Theory of Control) and dials the Three Sliders (Sanderson) to create earned vulnerability.
testing
strategy-clarity
Use when an organization needs strategic clarity — identifying where to play, how to win, and whether the position is defensible. Composes Wardley evolution mapping, Lafley's choice cascade, Helmer's 7 Powers, and Working Backwards based on what's already decided.
testing
feedback-coach
Structures performance feedback using Radical Candor (challenge directly, care personally) and identity-safe framing to ensure feedback drives growth rather than defensiveness. Use when giving or receiving feedback, conducting 1:1s, preparing performance reviews, or coaching developmental conversations.
development
devils-advocate
Use when a proposal has unanimous support or relies on a single high-impact assumption—constructs the strongest possible counter-argument (Steel Man) and runs a Pre-Mortem.
development
ownership-coach
Use when a team is deflecting blame to external factors or a leader is micromanaging—shifts from permission-seeking to intent-stating using Willink's Extreme Ownership and Marquet's Leader-Leader model.
data-ai