Retirement Account Syncing

Data source: CSV-only (no live path yet)

Unlike the other syncing skills, retirement accounts do not use the sync-first + DB-read pattern. The Vanguard IRAs / brokerage and the Fidelity 401(k) are not authorized in SnapTrade (only the one taxable-margin Fidelity account is routed in config/snaptrade-accounts.yaml). So there is no live API snapshot to refresh into family_office.db for these accounts, and CSV exports remain the only source. This is a deliberate, documented exception to the shared Sync-First + DB-Read pattern.

Prerequisite for a live path (before this skill can become DB-backed):

1. Authorize the Vanguard and Fidelity retirement institutions in SnapTrade.
2. Add each resulting account to config/snaptrade-accounts.yaml with a role set and enabled: true.
3. Extend the positions sync (or a retirement-specific sync) to write those accounts into the DB, then rewrite this skill to Step 0 refresh + DB-read.