longbridge-financial-planning

Response language: match the user's input language — Simplified Chinese / Traditional Chinese / English.

When to use

• Retirement savings planning — "我什么时候能退休", "退休需要多少钱", "retirement planning"
• Education fund targets — "孩子的教育金怎么规划", "education fund"
• Balance sheet and net worth review — "帮我梳理资产负债表", "net worth overview"
• Gap analysis — "我离目标还差多少", "gap analysis", "财务目标差距"
• Cash flow and savings rate — "我的储蓄率", "monthly savings capacity"

Requires Longbridge login with Trade scope for account data.

Workflow

1. Fetch current account value, positions, and multi-currency cash.
2. Ask the user for planning inputs (or use defaults):
   • Retirement age target (default: 60)
   • Annual living expenses in retirement
   • Children's education fund target (if applicable)
   • Monthly savings capacity
   • Expected portfolio return assumption
3. Build the financial plan:
   • Net worth snapshot: investments + cash − liabilities
   • Retirement gap: target corpus − current portfolio (compounded)
   • Education fund gap: target − dedicated savings
   • Savings rate: monthly contribution vs. income
   • Years to goal: solve for

     n

     given current value, rate, contribution
4. Output a structured plan with actionable recommendations.
5. Convert multi-currency assets to a common base using FX rates.

If unsure of exact flag names, run

longbridge <subcommand> --help

before proceeding.

CLI

# Account portfolio market value
longbridge portfolio --format json

# Current positions (stocks, funds)
longbridge positions --format json

# Multi-currency exchange rates for normalisation
longbridge exchange-rate --format json

Output structure

PERSONAL FINANCIAL PLAN  <Date>

NET WORTH SNAPSHOT
Investment Portfolio:  $xxx,xxx (USD equivalent)
Cash & Money Market:  $xx,xxx
Total Net Worth:       $xxx,xxx

RETIREMENT PLANNING
Target Age:      60   Current Age: xx   Years: xx
Annual Expense:  $xx,xxx/yr   Corpus Needed: $x,xxx,xxx
Current Progress: $xxx,xxx (xx% of target)
Gap:             $xxx,xxx
Required Monthly Savings: $x,xxx (at x.x% p.a.)

EDUCATION FUND
Target:       $xxx,xxx  by Year 20xx
Current:      $xx,xxx   Gap: $xx,xxx
Monthly Top-up Needed: $x,xxx

SAVINGS RATE ANALYSIS
Monthly Income (estimated): $x,xxx
Monthly Savings:            $x,xxx  (xx%)
Recommendation: [On track | Increase savings by $x,xxx/month]

ACTION ITEMS
1. ...
2. ...

Error handling

longbridge auth login

longbridge auth login

longbridge auth login

command not found: longbridge

MCP fallback

longbridge

mcp__longbridge__portfolio

mcp__longbridge__positions

mcp__longbridge__exchange_rate

Related skills

• longbridge-portfolio

  — account-level P&L and industry distribution

• longbridge-positions

  — detailed stock and fund holdings

• longbridge-risk-return

  — risk-adjusted portfolio optimisation

• longbridge-fx

  — foreign exchange rates

File layout

skills/longbridge-financial-planning/
└── SKILL.md