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wealth_context_officer

Classify solvency buffer levels and investable cash constraints from off-portfolio financial context.

77|11|Updated Dec 19, 2025
Search Tags:#risk assessment#liquidity#emergency fund#investment committee#decision rationale#financial context#cash constraints
One-click install
npx skills add https://github.com/longsizhuo/openInvest --skill wealth-context-officer
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: wealth_context_officer
Source: https://github.com/longsizhuo/openInvest/tree/main/agents/skills/wealth_context_officer
Command: npx skills add https://github.com/longsizhuo/openInvest --skill wealth-context-officer

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

It prevents mislabeling low portfolio cash as high liquidity risk by interpreting off-portfolio financial background such as family backup and emergency funds.

Core Features & Use Cases

  • Solvency vs. Investable Cash Separation: Classifies solvency buffer (strong/moderate/weak/unknown) separately from investable cash to avoid incorrect risk conclusions.
  • Risk Officer Explanation Output: Produces a concise rationale for Risk Officer that “low cash ≠ high risk” while keeping the constraint that only portfolio cash can be used for adding positions.
  • CIO Verdict Guidance: Steers CIO toward the correct framing: risk rating may be buffered, but buy/trim amounts remain capped by portfolio cash.

Quick Start

Ask the agent to run wealth_context_officer using your wealth_context and your portfolio cash to generate the required risk and CIO explanations.

Frequently Asked Questions about wealth_context_officer

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I assess liquidity risk when portfolio cash is low but I have off-portfolio emergency funds?▼

Liquidity risk assessment requires separating solvency buffers from investable cash. This Skill interprets off-portfolio financial context like family backups to classify solvency strength independently, preventing low portfolio cash from being mislabeled as high liquidity risk.

What is the difference between solvency buffer and investable cash constraints?▼

Solvency buffer represents overall financial backup capacity classified as strong, moderate, weak, or unknown. Investable cash constraints limit trading capacity strictly to portfolio cash, ensuring emergency funds or family backups are never counted toward buy or trim amounts.

How do I generate risk explanations for an investment committee regarding cash constraints?▼

Generate standardized risk explanations by inputting your wealth context and portfolio cash. The Skill produces concise rationale outputs for both Risk Officer and CIO, clarifying that low cash does not equal high risk while maintaining trading capacity caps.

Why does low portfolio cash not always indicate high liquidity risk?▼

Low portfolio cash does not equal high liquidity risk when off-portfolio financial backgrounds like emergency funds or family backups exist. The Skill evaluates these external buffers to determine if solvency is strong enough to offset low internal trading capacity.

Can I use emergency funds to justify higher position sizing in my investment portfolio?▼

No, emergency funds and family backups cannot be used to increase position sizing. While they may buffer your overall liquidity risk rating, buy and trim amounts remain strictly capped by your actual portfolio cash constraints.

What limitations exist when evaluating financial context for investment committee decisions?▼

The Skill only interprets off-portfolio financial context to adjust risk framing, not to expand trading capacity. It classifies solvency buffer levels but cannot convert non-investable assets into available cash for adding portfolio positions.

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