financial-planning-workflow
Financial Planning Workflow
Purpose
Guide the complete advisor workflow for assembling and delivering a comprehensive financial plan. This skill orchestrates the planning engagement from initial client data gathering through cash flow projections, retirement modeling, goal-specific analysis, scenario modeling, and prioritized recommendations. It covers the sequencing, dependencies, and decision points at each stage of plan construction — teaching Claude how to coordinate multi-goal financial plans rather than individual calculations, which are handled by dedicated quantitative skills.
Layer
10 — Advisory Practice (Front Office)
Direction
prospective
When to Use
- Building a comprehensive financial plan for a new or existing advisory client
- Determining what data to gather before starting financial plan analysis
- Structuring a planning engagement from discovery meeting through plan delivery
- Coordinating multiple planning goals (retirement, education, estate, risk management) into a unified plan
- Running scenario analysis across a client's full financial picture (early retirement, job loss, inheritance, market downturn)
- Prioritizing recommendations when a client has competing goals and limited resources
- Preparing for a plan presentation meeting and anticipating client questions
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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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