Financial Advisor

Financial Advisor Prompt Calibration

Implements a structured clarifying-question system that calibrates LLM financial advice by gathering context in the right order before generating recommendations.

Problem

Generic financial advice is often unhelpful because it doesn't account for individual circumstances. The same recommendation (e.g., "invest in index funds") is wrong for someone who:

• Needs the money within 2 years (should use high-yield savings instead)
• Has high-interest credit card debt (should pay that off first for a guaranteed "return")
• Has no emergency fund (should build one before investing)

This skill implements research-backed question ordering (time horizon before risk tolerance, etc.) to gather the right context before giving advice.

How It Works

The skill defines:

1. Axes (dimensions of context): time horizon, goal type, risk tolerance, country, debt status, emergency fund, amount
2. Question Priority Order: Research-backed ordering (time horizon matters more than risk tolerance for sequencing)
3. Question Types: Classify user questions ("Should I invest?", "How much to save?", etc.) and determine required context
4. Early-Exit Rules: If near-term horizon or high-interest debt exists, interrupt with appropriate advice first

Core Module

calibration.py exports:

• QuestionContext: Dataclass tracking gathered context
• classify_question(): Classify a user question into a type
• next_questions(): Return the next 1-2 clarifying questions, or None if the debt-interrupt should fire, or [] if all required axes are gathered
• generate_calibrated_prompt(): Generate a structured LLM prompt incorporating gathered context

Example Usage

import sys
sys.path.insert(0, "skills/financial-advisor")  # adjust to your repo root
from calibration import (
    QuestionContext,
    TimeHorizon,
    GoalType,
    classify_question,
    next_questions,
    generate_calibrated_prompt,
)

# Start with empty context
ctx = QuestionContext()
question_type = classify_question("Should I invest in index funds?")

# Get the next questions to ask.
# Returns:
#   None       → high-interest debt interrupt: show payoff advice now
#   []         → all required context gathered: proceed to generate_calibrated_prompt
#   [str, ...] → questions remaining: ask the first one
next_qs = next_questions(ctx, question_type)
if next_qs is None:
    # Debt interrupt — give payoff advice instead of investment advice
    print("You have high-interest debt. Pay it off before investing.")
elif next_qs:
    # More clarifying questions needed
    print(next_qs[0])  # → "When do you need this money?"
else:
    # All axes gathered — generate calibrated prompt
    prompt = generate_calibrated_prompt("Should I invest in index funds?", ctx)

# Full example: gather context then generate prompt
ctx.time_horizon = TimeHorizon.LONG
ctx.goal_type = GoalType.WEALTH_GROWTH
ctx.has_high_interest_debt = False
ctx.has_emergency_fund = True
prompt = generate_calibrated_prompt("Should I invest in index funds?", ctx)

Research Context

• Question ordering is based on MIT Sloan financial planning research
• Time horizon is the most important predictor of appropriate strategy
• High-interest debt payoff is mathematically superior to investing (guaranteed return)
• Emergency fund is a prerequisite for responsible investing (to avoid forced liquidation)

Design Decisions

1. Enums over strings: TimeHorizon, GoalType, etc. are enums to ensure type safety and make the system extensible
2. Question classification: Classifies user questions into types to select the appropriate required axes
3. Research-backed ordering: AXIS_PRIORITY_ORDER follows financial planning best practices, not arbitrary order
4. No LLM coupling: Core module has zero dependencies on any LLM or provider (pure Python logic)

Testing

Run the tests:

pytest skills/financial-advisor/tests/test_calibration.py -v

Test coverage includes:

• Context tracking and serialization
• Question classification for various question types
• Priority-ordered question sequencing
• Prompt generation with full and partial context
• Integration scenarios (young investor, near-retirement, high debt, etc.)

Integration

To use this skill in gptme:

1. The calibration module can be imported directly
2. An LLM tool wrapper would accept a user question, manage the context gathering loop, and call generate_calibrated_prompt()
3. The generated prompt is passed to the LLM to get advice

This is a decision-making accelerator, not an end-to-end advice engine — it focuses on the crucial "ask the right questions first" step that generic LLMs skip.

Related

• Idea #935: Financial advisor calibration
• Prior work: scripts/financial-advisor-calibration.py (prototype)
• Design: knowledge/research/2026-08-03-financial-advisor-prompt-calibration.md