longbridge-financial-planning

longbridge-financial-planning

Personal financial planning framework — retirement targets, education fund, balance sheet, and portfolio gap analysis.

Response language: match the user's input language — Simplified Chinese / Traditional Chinese / English.

When to use

Trigger on prompts asking for:

• Retirement savings planning — "我什么时候能退休", "退休需要多少钱", "retirement planning"
• Education fund targets — "孩子的教育金怎么规划", "education fund"
• Balance sheet and net worth review — "帮我梳理资产负债表", "net worth overview"
• Gap analysis — "我离目标还差多少", "gap analysis", "财务目标差距"
• Cash flow and savings rate — "我的储蓄率", "monthly savings capacity"

Requires Longbridge login with Trade scope for account data.

Workflow

1. Fetch current account value, positions, and multi-currency cash.
2. Ask the user for planning inputs (or use defaults):
3. Retirement age target (default: 60)
4. Annual living expenses in retirement
5. Children's education fund target (if applicable)
6. Monthly savings capacity
7. Expected portfolio return assumption
8. Build the financial plan:
9. Net worth snapshot: investments + cash − liabilities
10. Retirement gap: target corpus − current portfolio (compounded)
11. Education fund gap: target − dedicated savings
12. Savings rate: monthly contribution vs. income
13. Years to goal: solve for n given current value, rate, contribution
14. Output a structured plan with actionable recommendations.
15. Convert multi-currency assets to a common base using FX rates.

If unsure of exact flag names, run longbridge <subcommand> --help before proceeding.

CLI

# Account portfolio market value
longbridge portfolio --format json

# Current positions (stocks, funds)
longbridge positions --format json

# Multi-currency exchange rates for normalisation
longbridge exchange-rate --format json

Output structure

PERSONAL FINANCIAL PLAN  <Date>

NET WORTH SNAPSHOT
Investment Portfolio:  $xxx,xxx (USD equivalent)
Cash & Money Market:  $xx,xxx
Total Net Worth:       $xxx,xxx

RETIREMENT PLANNING
Target Age:      60   Current Age: xx   Years: xx
Annual Expense:  $xx,xxx/yr   Corpus Needed: $x,xxx,xxx
Current Progress: $xxx,xxx (xx% of target)
Gap:             $xxx,xxx
Required Monthly Savings: $x,xxx (at x.x% p.a.)

EDUCATION FUND
Target:       $xxx,xxx  by Year 20xx
Current:      $xx,xxx   Gap: $xx,xxx
Monthly Top-up Needed: $x,xxx

SAVINGS RATE ANALYSIS
Monthly Income (estimated): $x,xxx
Monthly Savings:            $x,xxx  (xx%)
Recommendation: [On track | Increase savings by $x,xxx/month]

ACTION ITEMS
1. ...
2. ...

Error handling

| Situation | 简体回复 | 繁體回復 | English reply | |-----------|---------|---------|---------------| | Not logged in | 请运行 longbridge auth login 并授予 Trade 权限。 | 請執行 longbridge auth login 並授予 Trade 權限。 | Run longbridge auth login with Trade scope. | | Empty portfolio | 账户暂无持仓，请先建立投资组合。 | 賬戶暫無持倉，請先建立投資組合。 | No positions found — build a portfolio first. | | FX rate unavailable | 部分货币汇率不可用，已使用近似值。 | 部分貨幣匯率不可用，已使用近似值。 | Some FX rates unavailable — approximate values used. | | command not found: longbridge | 请安装 longbridge-terminal 或通过 MCP 连接。 | 請安裝 longbridge-terminal 或透過 MCP 連線。 | Install longbridge-terminal or connect via MCP. |

MCP fallback

When the CLI is unavailable, fall back to the MCP server. Discover available tools from the MCP server's tool list at runtime.

Related skills

• longbridge-portfolio — account-level P&L and industry distribution
• longbridge-positions — detailed stock and fund holdings
• longbridge-risk-return — risk-adjusted portfolio optimisation
• longbridge-fx — foreign exchange rates

File layout

skills/longbridge-financial-planning/
└── SKILL.md