doubao-wealth-planning

Provide your jurisdiction, tax residency, currency, household structure, summary income and expenses, assets, liabilities, and goals with amounts and deadlines. The Skill runs intake validation, computes goal projections and stress scenarios, and returns a plan with an action checklist.

Missing key inputs trigger tiered tables keyed to the unknown variable rather than assumed defaults. The Skill never invents emergency-fund months, allocation ratios, or return rates; it lists up to five items needed to produce exact figures.

No. It only provides asset-class principles and trade-off logic, and routes product selection, tax filing, legal documents, and insurance underwriting to licensed professionals. Requests for specific stock picks are refused with the correct adjacent task.

Yes, but jurisdiction rules load progressively: the China mainland module applies only when confirmed, and other regions require their own official sources. No jurisdiction's tax, pension, or social-security rules are applied before confirmation.

Every precise figure must carry a source tag such as first-party, database, user-stated, derived, or pending-verification. Values without a primary source are labeled as pending and excluded from the summary and conclusion sections.