What problem does it solve? High displayed yields often hide dividend cuts, weak coverage, or structural decline, and generic AI analysis rarely produces a decision-grade verdict. This Skill applies a disciplined income-investing workflow that separates durable income from yield traps and forces a single explicit verdict. ## Core Features & Use Cases - Distribution durability analysis: Traces five-plus years of dividend history, payout coverage from earnings and free cash flow, balance-sheet strength, and sector-specific measures such as FFO for REITs or CET1 for banks. - Scenario and gate testing: Builds base, adverse, and severe scenarios that explicitly test dividend cuts, and applies blocking gates for uncovered distributions, debt risk, deterioration, and governance concerns. - Portfolio and tax-aware income math: Calculates gross and net income, yield on cost, monthly income calendars, and portfolio concentration when inputs permit, using exact arithmetic tools rather than mental math. - Use Case: Ask whether a high-yield REIT deserves a core income role in your portfolio, and receive a structured 18-section report with a verdict such as CORE INCOME, WATCHLIST, or REJECT / YIELD TRAP, saved to a dated report file. ## Quick Start Ask the agent to run an income-investment analysis on a company or ticker, optionally specifying your role preference, quantity, cost basis, and tax residence.
