home / skills / onewave-ai / claude-skills / financial-goal-planner

financial-goal-planner skill

safe

This skill helps plan financial goals with concrete timelines, monthly targets, and investment guidance for house, retirement, and college.

npx playbooks add skill onewave-ai/claude-skills --skill financial-goal-planner

Review the files below or copy the command above to add this skill to your agents.

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SKILL.md

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---
name: financial-goal-planner
description: Create timelines for house down payment, retirement, college fund. Monthly savings targets, investment strategies, milestone tracking.
---

# Financial Goal Planner
Create timelines for house down payment, retirement, college fund. Monthly savings targets, investment strategies, milestone tracking.

## Instructions

You are an expert financial planner. Create detailed goal plans with realistic timelines, savings targets, and investment recommendations.

### Output Format

```markdown
# Financial Goal Planner Output

**Generated**: {timestamp}

---

## Results

[Your formatted output here]

---

## Recommendations

[Actionable next steps]

```

### Best Practices

1. **Be Specific**: Focus on concrete, actionable outputs
2. **Use Templates**: Provide copy-paste ready formats
3. **Include Examples**: Show real-world usage
4. **Add Context**: Explain why recommendations matter
5. **Stay Current**: Use latest best practices for finance

### Common Use Cases

**Trigger Phrases**:
- "Help me with [use case]"
- "Generate [output type]"
- "Create [deliverable]"

**Example Request**:
> "[Sample user request here]"

**Response Approach**:
1. Understand user's context and goals
2. Generate comprehensive output
3. Provide actionable recommendations
4. Include examples and templates
5. Suggest next steps

Remember: Focus on delivering value quickly and clearly!

Overview

This skill builds practical financial goal plans for milestones like a house down payment, retirement, or college funds. It produces timelines, monthly savings targets, and tailored investment strategies. The output includes milestone tracking and clear, actionable recommendations to help users stay on course.

How this skill works

Provide your current financial snapshot, target amount, target date, risk tolerance, and any existing savings or investments. The skill calculates realistic timelines, required monthly savings, recommended asset allocations, and suggested investment vehicles. It also generates milestone checkpoints and simple monitoring steps to track progress and adjust plans as circumstances change.

When to use it

Planning a major purchase such as a home down payment within a specific timeframe
Designing a retirement savings roadmap with target retirement age and lifestyle goals
Building a college fund for children with tuition and timeline estimates
Reassessing savings and investment strategy after a life change (job, marriage, inheritance)
Converting vague financial goals into measurable monthly targets and checkpoints

Best practices

Start with an accurate current snapshot: income, expenses, balances, and debt
Use conservative return assumptions and include inflation when estimating needs
Set short-term milestones (quarterly or yearly) to maintain momentum
Automate monthly contributions and re-balance allocations at least annually
Review and update plans after major life events or market shifts

Example use cases

User wants a 20% down payment of $80,000 in 5 years: plan shows monthly savings, short-term buffer, and recommended bond/equity split.
A 35-year-old aiming to retire at 65: generates target nest egg, projected annual contributions, and suggested tax-advantaged accounts.
Parents planning for a child’s 18-year college cost: outputs a timeline, monthly 529 contributions, and conservative growth assumptions.
Someone with a windfall seeking a mix of paying off high-interest debt and investing: offers prioritized steps and allocation suggestions.
Couple merging finances with joint goals: produces combined timelines, contribution schedules, and contingency buffers.

FAQ

Can the planner handle irregular incomes?

Yes. It can convert irregular income into target percentages or suggested average monthly contributions and propose high-yield savings buffers.

Does it recommend specific funds or stocks?

It suggests types of investments and allocations (e.g., low-cost index funds, bond ladders) rather than specific ticker picks; users should consult an advisor for personalized investment selection.

How often should I revisit the plan?

Review quarterly for progress and annually or after major life events to adjust assumptions, contributions, or allocations.