Wealth Management

Long-term wealth building, investment analytics, and financial planning engine. Builds on finance-substrate for data ingestion (bank certificates, patrimonio, TRM rates, salary history) and adds forward-looking projection, optimization, and scenario analysis.

Architecture

finance-substrate (data layer)
  ├── certificates.jsonl     → current holdings, bank saldos
  ├── patrimonio_calc.py     → net worth snapshot (R29/R30/R31)
  ├── tax_projection.py      → annual tax liability
  ├── salary-history.jsonl   → income trajectory
  └── trm-history.jsonl      → FX rates
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wealth-management (analytics layer)
  ├── Descriptive:  portfolio health, allocation drift, performance