bizops-financial-snapshot

Financial Snapshot — Executive Financial Intelligence

Overview

Disclaimer: This skill produces financial analysis for informational and planning purposes only. It is not a substitute for advice from a licensed financial advisor, CPA, or lender. All figures should be verified by qualified professionals before making financial decisions.

Financial Snapshot generates an executive-level financial summary for entrepreneurs running one or multiple businesses. The user provides their numbers (revenue, expenses, accounts, debts) or references saved financial data, and AI produces a structured analysis: revenue by stream, expense categories, profit margins, cash flow projection, burn rate, runway estimate, and 3 actionable recommendations to improve financial health. This is not an accounting tool — it is an intelligence tool that helps the user see the full picture and make better financial decisions.

When This Skill Applies

• User says "financial snapshot" or "financial summary"
• User says "how's my money?" or "where's my money going?"
• User says "revenue report" or "P&L" or "profit and loss"
• User says "cash flow analysis" or "cash flow projection"
• User says "burn rate" or "runway" or "how long can I last?"
• User says "financial health check" or "financial review"
• User says "expense breakdown" or "revenue breakdown"
• User says "am I profitable?" or "what are my margins?"
• User says "financial forecast" or "financial projection"
• User says "how to improve my finances" or "financial recommendations"
• User says "quarterly financials" or "monthly financials"
• User mentions wanting to understand their financial position across businesses
• User asks "can I afford [something]?" — run the snapshot to contextualize the answer

Pre-Flight — Business Preferences

1. Search Cloud Brain: search_notes with query "bizops financial preferences" (folder: brain/preferences)
2. If found: Display as a table, confirm with user ("These are your saved settings — proceed, or say 'update' to change any"), then proceed
3. If not found: Ask in ONE message:
   • Business name(s) and industry
   • Number of businesses to track (1 or multiple)
   • Fiscal year (calendar year / custom)
   • Primary currency
   • Preferred reporting period (monthly / quarterly / annual)
   • Save to Cloud Brain: write_note → title: bizops-financial-preferences, folder: brain/preferences
4. Apply throughout: use business name in headers, reporting period in all date ranges
5. Show banner at top of every output:

   📊 Financial Snapshot | {Business Name} | {Reporting Period} | Preferences: ✓ loaded
   

   Add: "Say 'update my financial preferences' to change settings."

How It Works

Step 1: Gather Financial Data

Determine where the numbers come from:

1. User provides directly: The user shares revenue figures, expenses, account balances, debts, etc. in the conversation
2. Saved in brain: Use search_notes with keywords like "financial", "revenue", "snapshot" to find prior financial data in Cloud Brain
3. Referenced by file: The user points to a spreadsheet, CSV, or file
4. Partial data: The user gives some numbers — AI works with what is available and flags what is missing

Collect these data points (whatever is available):

Data Point	What to Capture
Revenue streams	Each source of income, monthly/annual amount
Expenses	Major expense categories, monthly/annual amount
Bank balances	Operating account, savings, reserves
Debts/Liabilities	Loans, credit lines, outstanding payments
Receivables	Money owed to the user (invoices, pending payments)
Payables	Money the user owes (upcoming bills, commitments)
Time period	What period does this data cover? (Month, quarter, year)
Multiple businesses	Does the user run multiple entities? Capture each separately.

If the user has multiple businesses, track each revenue stream and expense category separately to show the full portfolio view.

Step 2: Build Revenue Analysis

## Revenue Analysis

### Revenue by Stream

| # | Revenue Stream | Monthly | Annual (Projected) | % of Total | Trend |
|---|---------------|--------:|-------------------:|:----------:|:-----:|
| 1 | [Stream Name] | $X,XXX | $XX,XXX | XX% | [Up/Down/Flat] |
| 2 | [Stream Name] | $X,XXX | $XX,XXX | XX% | [Up/Down/Flat] |
| 3 | [Stream Name] | $X,XXX | $XX,XXX | XX% | [Up/Down/Flat] |
| | **TOTAL** | **$XX,XXX** | **$XXX,XXX** | **100%** | |

### Revenue Concentration Risk
- **Highest concentration:** [Stream] at [X]% of total revenue
- **Risk level:** [Low (<30% in any one stream) / Medium (30-50%) / High (50%+)]
- **Recommendation:** [Diversify if concentrated, or double down if the stream is growing]

### Revenue Quality Assessment
| Metric | Value | Assessment |
|--------|------:|:----------:|
| **Recurring revenue** | $X,XXX/mo | [Good/Needs work] |
| **One-time revenue** | $X,XXX/mo | [Stable/Volatile] |
| **Average deal size** | $X,XXX | [Growing/Shrinking/Stable] |
| **Revenue predictability** | [High/Medium/Low] | [Assessment] |

Step 3: Build Expense Analysis

## Expense Analysis

### Expenses by Category

| # | Category | Monthly | Annual (Projected) | % of Revenue | Essential? |
|---|----------|--------:|-------------------:|:------------:|:----------:|
| 1 | [Category — e.g., Payroll/Contractors] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 2 | [Category — e.g., Software/SaaS] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 3 | [Category — e.g., Marketing/Ads] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 4 | [Category — e.g., Rent/Office] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 5 | [Category — e.g., Insurance/Legal] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 6 | [Category — e.g., Travel/Meals] | $X,XXX | $XX,XXX | XX% | Yes/No |
| 7 | [Category — e.g., Subscriptions] | $X,XXX | $XX,XXX | XX% | Yes/No |
| | **TOTAL EXPENSES** | **$XX,XXX** | **$XXX,XXX** | **XX%** | |

### Expense Efficiency
- **Expense-to-revenue ratio:** [X]% — [Good (<70%) / Moderate (70-85%) / Concerning (85%+)]
- **Non-essential expenses:** $X,XXX/mo — [X]% of total expenses
- **Potential savings identified:** $X,XXX/mo (see recommendations below)

### Subscription Audit Flag
[List any subscriptions or recurring expenses that should be reviewed — tools not being used, overlapping services, contracts up for renegotiation]

Step 4: Calculate Profit Margins

## Profitability

### Profit & Loss Summary

| Metric | Monthly | Annual (Projected) |
|--------|--------:|-------------------:|
| **Gross Revenue** | $XX,XXX | $XXX,XXX |
| **Cost of Goods/Services** | ($X,XXX) | ($XX,XXX) |
| **Gross Profit** | $XX,XXX | $XXX,XXX |
| **Operating Expenses** | ($X,XXX) | ($XX,XXX) |
| **Net Operating Income** | $XX,XXX | $XXX,XXX |
| **Taxes (estimated)** | ($X,XXX) | ($XX,XXX) |
| **Net Profit** | **$XX,XXX** | **$XXX,XXX** |

### Margin Analysis

| Margin Type | Percentage | Assessment |
|------------|:----------:|:----------:|
| **Gross Margin** | XX% | [Healthy (>50%) / Moderate (30-50%) / Low (<30%)] |
| **Operating Margin** | XX% | [Healthy (>20%) / Moderate (10-20%) / Thin (<10%)] |
| **Net Margin** | XX% | [Strong (>15%) / Acceptable (8-15%) / Thin (<8%)] |

### Profitability by Business (if multiple entities)

| Business | Revenue | Expenses | Net Profit | Margin |
|----------|--------:|---------:|-----------:|:------:|
| [Business 1] | $XX,XXX | $XX,XXX | $XX,XXX | XX% |
| [Business 2] | $XX,XXX | $XX,XXX | $XX,XXX | XX% |
| **Combined** | **$XX,XXX** | **$XX,XXX** | **$XX,XXX** | **XX%** |

Step 5: Cash Flow Projection

## Cash Flow Projection

### Current Position

| Account | Balance |
|---------|--------:|
| Operating Account | $XX,XXX |
| Savings/Reserve | $XX,XXX |
| Outstanding Receivables | $XX,XXX |
| Outstanding Payables | ($XX,XXX) |
| **Net Cash Position** | **$XX,XXX** |

### 90-Day Cash Flow Forecast

| Month | Starting Cash | Cash In | Cash Out | Ending Cash | Net Change |
|-------|-------------:|--------:|---------:|------------:|-----------:|
| Month 1 | $XX,XXX | $XX,XXX | ($XX,XXX) | $XX,XXX | +/- $X,XXX |
| Month 2 | $XX,XXX | $XX,XXX | ($XX,XXX) | $XX,XXX | +/- $X,XXX |
| Month 3 | $XX,XXX | $XX,XXX | ($XX,XXX) | $XX,XXX | +/- $X,XXX |

### Cash Flow Health

| Metric | Value | Assessment |
|--------|------:|:----------:|
| **Monthly cash burn** | $XX,XXX | |
| **Monthly cash generation** | $XX,XXX | |
| **Net monthly cash flow** | +/- $X,XXX | [Positive/Negative] |
| **Cash conversion cycle** | X days | [How long from service delivery to cash received] |

### Scenario Analysis

| Scenario | Assumption | Impact on Cash |
|----------|-----------|:--------------:|
| **Best case** | [Revenue increases X%, expenses hold] | +$X,XXX/mo |
| **Base case** | [Current trends continue] | +/- $X,XXX/mo |
| **Worst case** | [Revenue drops X%, unexpected expense of $Y] | -$X,XXX/mo |

Step 6: Burn Rate and Runway

## Burn Rate & Runway

### Burn Rate Calculation

| Metric | Amount |
|--------|-------:|
| **Monthly fixed costs** | $XX,XXX |
| **Monthly variable costs (avg)** | $X,XXX |
| **Total monthly burn** | $XX,XXX |
| **Daily burn rate** | $XXX |

### Runway Estimate

| Scenario | Available Cash | Monthly Burn | Runway |
|----------|---------------:|-------------:|:------:|
| **Zero revenue** | $XX,XXX | $XX,XXX | X months |
| **50% revenue drop** | $XX,XXX | $XX,XXX (net) | X months |
| **Current pace** | $XX,XXX | +$X,XXX (net) | Indefinite (cash positive) |

### Runway Assessment
- **Current runway:** [X months at zero revenue]
- **Recommended reserve:** [3-6 months of operating expenses = $XX,XXX]
- **Reserve gap:** [How much more is needed to hit recommended reserve, or "Fully funded"]
- **Runway risk level:** [Low (6+ months) / Moderate (3-6 months) / High (<3 months) / Critical (<1 month)]

Step 7: Generate Actionable Recommendations

Produce exactly 3 high-impact, specific recommendations:

## Top 3 Financial Recommendations

### 1. [Action Title] — [Expected Impact: $X,XXX/month]

**The Problem:** [What is costing money, leaving money on the table, or creating risk]

**The Fix:** [Specific, step-by-step action. Not "cut costs" — say exactly what to cut and by how much.]

**Implementation:**
1. [Step 1]
2. [Step 2]
3. [Step 3]

**Timeline:** [This week / This month / This quarter]
**Difficulty:** [Easy / Moderate / Requires effort]
**Impact:** [How much this could save or generate per month]

---

### 2. [Action Title] — [Expected Impact: $X,XXX/month]

**The Problem:** [Specific financial issue]
**The Fix:** [Specific action]
**Implementation:**
1. [Step 1]
2. [Step 2]
3. [Step 3]

**Timeline:** [Timeframe]
**Difficulty:** [Level]
**Impact:** [Dollar amount]

---

### 3. [Action Title] — [Expected Impact: $X,XXX/month]

**The Problem:** [Specific financial issue]
**The Fix:** [Specific action]
**Implementation:**
1. [Step 1]
2. [Step 2]
3. [Step 3]

**Timeline:** [Timeframe]
**Difficulty:** [Level]
**Impact:** [Dollar amount]

---

### Combined Impact of All 3 Recommendations
**Potential monthly improvement:** $X,XXX/month
**Potential annual impact:** $XX,XXX/year

Recommendation categories to consider:

• Revenue increase: Raise prices, add a revenue stream, upsell existing clients, collect faster
• Cost reduction: Cancel unused subscriptions, renegotiate contracts, automate manual work, reduce overhead
• Cash flow optimization: Invoice faster, require deposits, adjust payment terms, build reserves
• Risk reduction: Diversify revenue, build emergency fund, get insurance, reduce debt
• Tax optimization: Maximize deductions, adjust entity structure, accelerate/defer income, retirement accounts

Step 8: Compile and Save

Assemble everything into a single document:

# Financial Snapshot: [Business Name or "Personal Finances"]

> **Date:** YYYY-MM-DD
> **Period Covered:** [Month, Quarter, or Year]
> **Businesses Included:** [List of entities]
> **Overall Financial Health:** [Strong / Healthy / Moderate / Concerning / Critical]
> **Prepared By:** AI OS

---

## Executive Summary

[3-5 bullet points — the most important financial takeaways. What is going well, what needs attention, and the single most impactful action to take.]

---

## Revenue Analysis
[From Step 2]

## Expense Analysis
[From Step 3]

## Profitability
[From Step 4]

## Cash Flow Projection
[From Step 5]

## Burn Rate & Runway
[From Step 6]

## Top 3 Recommendations
[From Step 7]

---

## Key Financial Metrics Dashboard

| Metric | Value | Status |
|--------|------:|:------:|
| Monthly Revenue | $XX,XXX | [Up/Down/Flat] |
| Monthly Expenses | $XX,XXX | [Up/Down/Flat] |
| Net Profit (Monthly) | $XX,XXX | [Positive/Negative] |
| Net Margin | XX% | [Healthy/Moderate/Thin] |
| Cash on Hand | $XX,XXX | [Sufficient/Low/Critical] |
| Monthly Burn Rate | $XX,XXX | |
| Runway (zero revenue) | X months | [Safe/Moderate/Low] |
| Revenue Concentration | XX% in top stream | [Diversified/Concentrated] |
| Receivables Outstanding | $XX,XXX | [Current/Aging] |

---

## Data Gaps & Assumptions

[List any data that was not provided and assumptions made to fill gaps. Be transparent about what is estimated vs. confirmed.]

---

*Financial intelligence prepared by AI OS. This is not tax advice, legal advice, or professional accounting. Consult a CPA for tax-specific decisions and an attorney for legal/entity structure questions. Refresh this snapshot monthly for best results.*

Save to Cloud Brain using mcp__cloud-brain__write_note with:

• title: Financial Snapshot {YYYY-MM-DD}
• folder: research
• tags: ["financial", "snapshot", "research"]

Step 9: Present to User

Give the user:

1. The overall financial health verdict (one line)
2. Monthly net profit (or loss) and margin
3. Runway at current pace
4. The #1 recommendation (highest impact)
5. Confirmation that the snapshot was saved to Cloud Brain
6. Prompt: "Want me to dig deeper into any section? Or should I run this again next month?"

Quality Standards

1. Math must be correct. Every calculation is verified. Revenue minus expenses equals profit. Margins are computed accurately. If numbers do not add up, flag it.
2. Conservative estimates. When projecting, use conservative assumptions. Better to be pleasantly surprised than dangerously optimistic.
3. No fabricated data. If the user did not provide a number, do not invent it. Mark it as "Not provided" and explain what is needed for a complete picture.
4. Actionable, not academic. The recommendations must be things the user can do THIS MONTH. Not "consider diversifying your revenue portfolio" — but "launch a $49/month subscription tier for your existing audience by March 15."
5. Multi-business aware. Many entrepreneurs run multiple businesses. The snapshot should handle this gracefully — individual P&Ls plus a consolidated view.
6. Disclaimer included. This is AI-generated financial intelligence, not professional accounting or tax advice. Always include the disclaimer.

Output Format

A single comprehensive markdown document containing the full financial snapshot (revenue analysis, expense analysis, profitability, cash flow projection, burn rate/runway, recommendations, and metrics dashboard). Typically 2,000-4,000 words depending on complexity. Saved to Cloud Brain in the research folder.

Example Usage

User: "Financial snapshot — I made $18K last month from deals, $3K from connections, $2K from TCs. Expenses are about $4K/month. I have $12K in the bank."

AI executes:

• Revenue analysis: $23K/month across 3 streams, deals = 78% concentration
• Expense analysis: $4K/month, 17% expense-to-revenue ratio (excellent)
• Profitability: $19K/month net, 83% margin (strong)
• Cash flow: positive, but low reserves relative to income
• Runway: 3 months at zero revenue (moderate — should build to 6 months)
• Recommendations: (1) Build $24K reserve (6 months of expenses), (2) Diversify away from deal-dependent revenue, (3) Invoice faster or require deposits
• Saves to Cloud Brain as Financial Snapshot {date} in the research folder

User: "/financial-snapshot Q1 2026"

AI executes:

• Searches Cloud Brain for Q1 financial data or asks for numbers
• Builds quarterly view with monthly breakdown
• Includes year-over-year comparison if prior data exists
• Saves to Cloud Brain as Financial Snapshot {date} in the research folder

User: "I run {YOUR_PLATFORM} and {YOUR_SERVICE}. {YOUR_PLATFORM} is pre-revenue. {YOUR_SERVICE} does about $15K/month. Combined expenses are $6K. How do things look?"

AI executes:

• Separate P&L for each business: {YOUR_PLATFORM} ($0 revenue, X% of shared expenses), {YOUR_SERVICE} ($15K revenue, X% of shared expenses)
• Consolidated view: $15K revenue, $6K expenses, $9K net
• Cash flow projection showing pre-revenue {YOUR_PLATFORM} as a cost center
• Recommendations focused on: getting {YOUR_PLATFORM} to revenue, controlling pre-launch costs, maximizing {YOUR_SERVICE} while {YOUR_PLATFORM} ramps
• Saves to Cloud Brain as Financial Snapshot {date} in the research folder

Error Handling

• If the user provides no financial data: Ask: "I need some numbers to work with. At minimum, give me: (1) monthly revenue (even rough), (2) monthly expenses (even rough), and (3) cash in the bank. I'll work with whatever you have."
• If data is incomplete: Build the snapshot with what is available. Flag missing sections: "I couldn't calculate [metric] because [data point] was not provided. Share that number and I'll update the snapshot."
• If the numbers do not make sense (e.g., expenses exceed revenue but user says they are profitable): Flag the discrepancy respectfully: "The numbers show expenses ($X) exceeding revenue ($Y), which means the business is currently operating at a loss of ($Z/month). If that's not right, double-check the numbers and I'll re-run."
• If a financial snapshot already exists for this date in Cloud Brain: Overwrite — the user is likely updating with better data. Note: "Updated your existing financial snapshot."
• If the user asks for projections far into the future (12+ months): Provide them but flag: "Projections beyond 3-6 months are increasingly speculative. I've included them, but treat them as directional, not definitive. Refresh monthly for accuracy."
• If the user asks for tax-specific advice: Provide general guidance but always add: "For tax-specific decisions (deductions, entity structure, quarterly estimates), consult your CPA. I can help you prepare the data for that conversation."
• If revenue or expenses vary wildly month to month: Use a 3-month or 6-month average for projections rather than a single month. Note: "Your income varies significantly, so I'm using a [X]-month average for projections. Individual months may differ."