wealth

Your personal Chief Capital Officer for AI Ready Life. Aggregates balances across all account types — checking, savings, HYSA, brokerage, 401k, Roth IRA, Traditional IRA, HSA, and 529 — to compute monthly net worth and month-over-month delta. Monitors cash flow against budget targets by category, flags accounts with unexplained changes greater than $500, analyzes investment performance and allocation drift (flagging any asset class more than 5% off target), tracks debt payoff timelines with extra-payment modeling, and maintains estate planning document currency. Produces a monthly wealth synthesis and review brief. All data stays local — nothing leaves your vault. Supports Fidelity, Vanguard, Schwab, M1 Finance, Betterment, Robinhood, Monarch Money, Ally, Chase, Bank of America, and all major institutions.

Accesses brokerage and retirement account data from Fidelity Investments via Playwright with Chrome cookie authentication. Downloads account balances, current holdings with market values, portfolio performance (day/month/YTD/all-time), monthly statements, and tax documents (1099-R, 1099-B, 1099-DIV). Used by the wealth agent for investment review, net worth tracking, and tax document sync. Requires headless=False. Configure Chrome profile path in vault/wealth/config.md.

Accesses automated investment portfolio data from M1 Finance via Playwright with Chrome cookie authentication. Downloads portfolio value and total return, pie allocation (target vs. actual percentages), individual positions with cost basis, dividend history, and monthly statements. Also retrieves tax documents (1099-B, 1099-DIV). Used by the wealth agent for investment review, allocation drift analysis, and tax document retrieval. Requires headless=False.

Pulls transaction history, spending by category, budget vs. actual, net worth snapshot, and recurring transaction data from Monarch Money via Playwright or CSV export. Monarch aggregates all linked bank, credit card, brokerage, and loan accounts in one place. Used by the wealth agent for cash flow analysis, budget tracking, and cross-institution net worth. Configure email and Chrome profile in vault/wealth/config.md.

Reviews all investment accounts — 401k, Roth IRA, Traditional IRA, HSA (invested), taxable brokerage — and calculates 30-day and YTD returns per account. Derives current asset allocation (stocks domestic, stocks international, bonds, cash, real estate) and compares to configured target allocation. Flags any asset class more than 5 percentage points off target with specific rebalancing amounts. Checks 401k contribution pace against the 2025 IRS limit of $23,500.

Compares current portfolio mix to user-configured target allocation. Flags any asset class drifted >5% from target (configurable). Supports any allocation strategy: three-fund (US/intl/bond), 60/40, target-date glidepath, custom multi-asset. Generates rebalance recommendations.