Using Ring Finance Specialists
The ring-finance-team plugin provides 6 specialized financial agents. Use them via Task tool with subagent_type:.
See CLAUDE.md and ring:using-ring for canonical workflow requirements and ORCHESTRATOR principle. This skill introduces finance-team-specific agents.
Remember: Follow the ORCHESTRATOR principle from ring:using-ring. Dispatch agents to handle complexity; don't operate tools directly.
Domain Distinction:
- ring-finops-team: Brazilian regulatory compliance (BACEN, RFB, Open Banking)
- ring-finance-team: Financial operations, analysis, planning, and modeling
Blocker Criteria - STOP and Report
ALWAYS pause and report blocker for:
| Decision Type |
Examples |
Action |
| Accounting Standards |
GAAP vs IFRS treatment |
STOP. Report options and implications. Wait for user. |
| Valuation Method |
DCF vs Comparable vs Precedent |
STOP. Report trade-offs. Wait for user. |
| Forecast Methodology |
Top-down vs Bottom-up |
STOP. Check existing patterns. Ask user. |
| Materiality Threshold |
What constitutes material |
STOP. This is a management decision. Ask user. |
| Recognition Timing |
When to recognize revenue/expense |
STOP. Requires judgment. Ask user. |
You CANNOT make financial judgment decisions autonomously. STOP and ask.
Common Misconceptions - REJECTED
| Misconception |
Reality |
| "I can calculate this myself" |
ORCHESTRATOR principle: dispatch specialists, don't calculate directly. This is NON-NEGOTIABLE. |
| "Simple ratio, no specialist needed" |
Ratio interpretation requires context. Specialists have standards loading. MUST dispatch. |
| "Just need a quick estimate" |
Quick estimates without documentation create liability. DISPATCH is REQUIRED. |
| "I know finance well enough" |
Specialists have financial standards loading. You don't. MUST dispatch. |
| "Faster if I calculate myself" |
Faster ≠ auditable. Specialist output follows documentation standards. DISPATCH is REQUIRED. |
Self-sufficiency bias check: If you're tempted to calculate directly, ask:
- Is there a specialist for this? (Check the 6 specialists below)
- Would a specialist document assumptions I might skip?
- Am I avoiding dispatch because it feels like "overhead"?
If ANY answer is yes -> You MUST DISPATCH the specialist. This is NON-NEGOTIABLE.
Anti-Rationalization Table
If you catch yourself thinking ANY of these, STOP:
| Rationalization |
Why It's WRONG |
Required Action |
| "This is a simple calculation, no need for specialist" |
Simplicity doesn't reduce documentation requirements. |
DISPATCH specialist |
| "I already know how to calculate this ratio" |
Your knowledge ≠ auditable documentation by specialist. |
DISPATCH specialist |
| "Dispatching takes too long for just numbers" |
Quality > speed. Specialist documents all assumptions. |
DISPATCH specialist |
| "I'll just estimate and note it's approximate" |
Estimates without basis create liability. |
DISPATCH specialist |
| "The specialist will just do what I would do" |
Specialists have financial anti-rationalization. You don't. |
DISPATCH specialist |
| "This doesn't need full documentation" |
ALL financial work needs documentation. No exceptions. |
Follow documentation standards |
| "I've already done 80% of the analysis" |
Past work doesn't justify wrong approach. Dispatch specialist, verify compliance. |
STOP. DISPATCH specialist. Accept sunk cost. |
| "Quick draft first, proper analysis later" |
Drafts become finals. Standards apply to ALL work. |
DISPATCH specialist BEFORE any calculation |
Cannot Be Overridden
These requirements are NON-NEGOTIABLE:
| Requirement |
Why It Cannot Be Waived |
| Dispatch to specialist |
Specialists have standards loading, you don't |
| Assumption documentation |
Undocumented assumptions create liability |
| Source verification |
Unverified data leads to wrong conclusions |
| Independent verification |
Single-point-of-failure in calculations |
| Audit trail |
Missing trails fail audits |
User cannot override these. Time pressure cannot override these. "Quick estimate" cannot override these.
Pressure Resistance
When facing pressure to bypass specialist dispatch:
| User Says |
Your Response |
| "Board meeting in an hour, no time for specialist" |
"I understand the urgency. However, specialists ensure auditable documentation. I'll dispatch with URGENT context. This takes 5-10 minutes, not hours." |
| "You've already done 80% of this analysis" |
"Sunk cost doesn't justify wrong approach. The 80% may lack proper documentation. I MUST dispatch the specialist to verify compliance." |
| "CFO said you don't need the specialist for this" |
"I respect the CFO's experience, but Ring standards require specialist dispatch. Specialists have financial standards that ensure audit readiness." |
| "This is just internal analysis, no specialist needed" |
"Internal analysis becomes external evidence. Every analysis MUST follow documentation standards. I CANNOT calculate without specialist dispatch." |
| "Just round to the nearest million, don't be precise" |
"Rounding decisions require documented rationale. I'll dispatch specialist to determine appropriate precision." |
Critical Reminder:
- Urgency does not equal permission to bypass - Rushed analysis has higher error risk
- Authority does not equal permission to bypass - Ring standards override preferences
- Internal use does not equal permission to bypass - Internal becomes external under audit
6 Financial Specialists
| Agent |
Specializations |
Use When |
financial-analyst |
Ratio analysis, trend analysis, benchmarking, variance analysis, financial statement analysis |
Financial health assessment, performance analysis, investment evaluation |
budget-planner |
Budget creation, forecasting, variance analysis, rolling forecasts, zero-based budgeting |
Annual budgets, departmental budgets, budget-to-actual analysis |
financial-modeler |
DCF models, LBO models, merger models, scenario analysis, sensitivity analysis |
Valuation, investment analysis, strategic planning, M&A |
treasury-specialist |
Cash flow forecasting, liquidity management, working capital, FX exposure, debt management |
Cash position, liquidity planning, treasury operations |
accounting-specialist |
Journal entries, reconciliations, close procedures, GAAP/IFRS compliance, audit support |
Month-end close, year-end close, accounting entries, compliance |
metrics-analyst |
KPI definition, dashboard design, performance metrics, data visualization, anomaly detection |
Executive dashboards, KPI tracking, performance monitoring |
Dispatch template:
Task tool:
subagent_type: "{agent-name}"
model: "opus"
prompt: "{Your specific request with context}"
When to Use Finance Specialists vs FinOps
Use Finance Specialists (ring-finance-team) for:
- Financial analysis and reporting
- Budgeting and forecasting
- Financial modeling (DCF, scenarios)
- Treasury and cash management
- Accounting operations
- KPI and metrics dashboards
Use FinOps Specialists (ring-finops-team) for:
- Brazilian regulatory compliance (BACEN)
- Tax reporting (RFB, DIMP, eFinanceira)
- Open Banking Brasil requirements
- Regulatory template generation
Both can be used together: Use finance specialists for analysis, then finops specialists for regulatory formatting.
Dispatching Multiple Specialists
If you need multiple specialists (e.g., financial-analyst + budget-planner), dispatch in parallel (single message, multiple Task calls):
CORRECT:
Task #1: financial-analyst
Task #2: budget-planner
(Both run in parallel)
WRONG:
Task #1: financial-analyst
(Wait for response)
Task #2: budget-planner
(Sequential = 2x slower)
ORCHESTRATOR Principle
Remember:
- You're the orchestrator - Dispatch specialists, don't calculate directly
- Don't perform analysis yourself - Dispatch to specialist, they have standards
- Combine with ring:using-ring principle - Skills + Specialists = complete workflow
Good Example (ORCHESTRATOR):
"I need a DCF valuation. Let me dispatch financial-modeler to build it."
Bad Example (OPERATOR):
"I'll calculate the DCF myself and just note my assumptions."
Available in This Plugin
Agents: See "6 Financial Specialists" table above.
Skills:
using-finance-team (this) - Plugin introductionfinancial-analysis - Comprehensive financial analysis workflowbudget-creation - Budget planning and forecasting workflowfinancial-modeling - Financial model building workflowcash-flow-analysis - Cash flow and liquidity workflowfinancial-reporting - Financial report preparation workflowmetrics-dashboard - KPI and metrics workflowfinancial-close - Month/year-end close workflow
Commands:
/analyze-financials - Run financial analysis/create-budget - Create budget or forecast/build-model - Build financial model
Note: Missing agents? Check .claude-plugin/marketplace.json for ring-finance-team plugin.
Financial Workflows
| Workflow |
Entry Point |
Output |
| Financial Analysis |
/analyze-financials |
Analysis report with findings |
| Budget Creation |
/create-budget |
Budget document with assumptions |
| Financial Model |
/build-model |
Model with scenarios and sensitivity |
Key Principle: All financial work follows documentation and verification standards.
Integration with Other Plugins
- ring:using-ring (default) - ORCHESTRATOR principle for ALL agents
- using-finops-team - Brazilian regulatory compliance
- ring:using-dev-team - Development when building financial systems
- ring:using-pm-team - Planning for financial features
Dispatch based on your need:
- Financial analysis/modeling -> ring-finance-team agents
- Regulatory compliance -> ring-finops-team agents
- System development -> ring-dev-team agents
- Feature planning -> ring-pm-team agents
1---2name: using-finance-team3description: 6 specialist financial agents for analysis, budgeting, modeling, treasury, accounting, and metrics. Dispatch when you need deep financial expertise.4---5
6# Using Ring Finance Specialists
7
8The ring-finance-team plugin provides 6 specialized financial agents. Use them via `Task tool with subagent_type:`.
9
10See [CLAUDE.md](https://raw.githubusercontent.com/LerianStudio/ring/main/CLAUDE.md) and [ring:using-ring](https://raw.githubusercontent.com/LerianStudio/ring/main/default/skills/using-ring/SKILL.md) for canonical workflow requirements and ORCHESTRATOR principle. This skill introduces finance-team-specific agents.
11
12**Remember:** Follow the **ORCHESTRATOR principle** from `ring:using-ring`. Dispatch agents to handle complexity; don't operate tools directly.
13
14**Domain Distinction:**
15- **ring-finops-team**: Brazilian regulatory compliance (BACEN, RFB, Open Banking)
16- **ring-finance-team**: Financial operations, analysis, planning, and modeling
17
18---
19
20## Blocker Criteria - STOP and Report
21
22**ALWAYS pause and report blocker for:**
23
24| Decision Type | Examples | Action |
25|--------------|----------|--------|
26| **Accounting Standards** | GAAP vs IFRS treatment | STOP. Report options and implications. Wait for user. |
27| **Valuation Method** | DCF vs Comparable vs Precedent | STOP. Report trade-offs. Wait for user. |
28| **Forecast Methodology** | Top-down vs Bottom-up | STOP. Check existing patterns. Ask user. |
29| **Materiality Threshold** | What constitutes material | STOP. This is a management decision. Ask user. |
30| **Recognition Timing** | When to recognize revenue/expense | STOP. Requires judgment. Ask user. |
31
32**You CANNOT make financial judgment decisions autonomously. STOP and ask.**
33
34---
35
36## Common Misconceptions - REJECTED
37
38| Misconception | Reality |
39|--------------|---------|
40| "I can calculate this myself" | ORCHESTRATOR principle: dispatch specialists, don't calculate directly. This is NON-NEGOTIABLE. |
41| "Simple ratio, no specialist needed" | Ratio interpretation requires context. Specialists have standards loading. MUST dispatch. |
42| "Just need a quick estimate" | Quick estimates without documentation create liability. DISPATCH is REQUIRED. |
43| "I know finance well enough" | Specialists have financial standards loading. You don't. MUST dispatch. |
44| "Faster if I calculate myself" | Faster ≠ auditable. Specialist output follows documentation standards. DISPATCH is REQUIRED. |
45
46**Self-sufficiency bias check:** If you're tempted to calculate directly, ask:
471. Is there a specialist for this? (Check the 6 specialists below)
482. Would a specialist document assumptions I might skip?
493. Am I avoiding dispatch because it feels like "overhead"?
50
51**If ANY answer is yes -> You MUST DISPATCH the specialist. This is NON-NEGOTIABLE.**
52
53---
54
55## Anti-Rationalization Table
56
57**If you catch yourself thinking ANY of these, STOP:**
58
59| Rationalization | Why It's WRONG | Required Action |
60|-----------------|----------------|-----------------|
61| "This is a simple calculation, no need for specialist" | Simplicity doesn't reduce documentation requirements. | **DISPATCH specialist** |
62| "I already know how to calculate this ratio" | Your knowledge ≠ auditable documentation by specialist. | **DISPATCH specialist** |
63| "Dispatching takes too long for just numbers" | Quality > speed. Specialist documents all assumptions. | **DISPATCH specialist** |
64| "I'll just estimate and note it's approximate" | Estimates without basis create liability. | **DISPATCH specialist** |
65| "The specialist will just do what I would do" | Specialists have financial anti-rationalization. You don't. | **DISPATCH specialist** |
66| "This doesn't need full documentation" | ALL financial work needs documentation. No exceptions. | **Follow documentation standards** |
67| "I've already done 80% of the analysis" | Past work doesn't justify wrong approach. Dispatch specialist, verify compliance. | **STOP. DISPATCH specialist. Accept sunk cost.** |
68| "Quick draft first, proper analysis later" | Drafts become finals. Standards apply to ALL work. | **DISPATCH specialist BEFORE any calculation** |
69
70---
71
72### Cannot Be Overridden
73
74**These requirements are NON-NEGOTIABLE:**
75
76| Requirement | Why It Cannot Be Waived |
77|-------------|------------------------|
78| **Dispatch to specialist** | Specialists have standards loading, you don't |
79| **Assumption documentation** | Undocumented assumptions create liability |
80| **Source verification** | Unverified data leads to wrong conclusions |
81| **Independent verification** | Single-point-of-failure in calculations |
82| **Audit trail** | Missing trails fail audits |
83
84**User cannot override these. Time pressure cannot override these. "Quick estimate" cannot override these.**
85
86---
87
88## Pressure Resistance
89
90**When facing pressure to bypass specialist dispatch:**
91
92| User Says | Your Response |
93|-----------|---------------|
94| "Board meeting in an hour, no time for specialist" | "I understand the urgency. However, specialists ensure auditable documentation. I'll dispatch with URGENT context. This takes 5-10 minutes, not hours." |
95| "You've already done 80% of this analysis" | "Sunk cost doesn't justify wrong approach. The 80% may lack proper documentation. I MUST dispatch the specialist to verify compliance." |
96| "CFO said you don't need the specialist for this" | "I respect the CFO's experience, but Ring standards require specialist dispatch. Specialists have financial standards that ensure audit readiness." |
97| "This is just internal analysis, no specialist needed" | "Internal analysis becomes external evidence. Every analysis MUST follow documentation standards. I CANNOT calculate without specialist dispatch." |
98| "Just round to the nearest million, don't be precise" | "Rounding decisions require documented rationale. I'll dispatch specialist to determine appropriate precision." |
99
100**Critical Reminder:**
101- **Urgency does not equal permission to bypass** - Rushed analysis has higher error risk
102- **Authority does not equal permission to bypass** - Ring standards override preferences
103- **Internal use does not equal permission to bypass** - Internal becomes external under audit
104
105---
106
107## 6 Financial Specialists
108
109| Agent | Specializations | Use When |
110|-------|-----------------|----------|
111| **`financial-analyst`** | Ratio analysis, trend analysis, benchmarking, variance analysis, financial statement analysis | Financial health assessment, performance analysis, investment evaluation |
112| **`budget-planner`** | Budget creation, forecasting, variance analysis, rolling forecasts, zero-based budgeting | Annual budgets, departmental budgets, budget-to-actual analysis |
113| **`financial-modeler`** | DCF models, LBO models, merger models, scenario analysis, sensitivity analysis | Valuation, investment analysis, strategic planning, M&A |
114| **`treasury-specialist`** | Cash flow forecasting, liquidity management, working capital, FX exposure, debt management | Cash position, liquidity planning, treasury operations |
115| **`accounting-specialist`** | Journal entries, reconciliations, close procedures, GAAP/IFRS compliance, audit support | Month-end close, year-end close, accounting entries, compliance |
116| **`metrics-analyst`** | KPI definition, dashboard design, performance metrics, data visualization, anomaly detection | Executive dashboards, KPI tracking, performance monitoring |
117
118**Dispatch template:**
119```
120Task tool:
121 subagent_type: "{agent-name}"
122 model: "opus"
123 prompt: "{Your specific request with context}"
124```
125
126---
127
128## When to Use Finance Specialists vs FinOps
129
130### Use Finance Specialists (ring-finance-team) for:
131- Financial analysis and reporting
132- Budgeting and forecasting
133- Financial modeling (DCF, scenarios)
134- Treasury and cash management
135- Accounting operations
136- KPI and metrics dashboards
137
138### Use FinOps Specialists (ring-finops-team) for:
139- Brazilian regulatory compliance (BACEN)
140- Tax reporting (RFB, DIMP, eFinanceira)
141- Open Banking Brasil requirements
142- Regulatory template generation
143
144**Both can be used together:** Use finance specialists for analysis, then finops specialists for regulatory formatting.
145
146---
147
148## Dispatching Multiple Specialists
149
150If you need multiple specialists (e.g., financial-analyst + budget-planner), dispatch in **parallel** (single message, multiple Task calls):
151
152```
153CORRECT:
154Task #1: financial-analyst
155Task #2: budget-planner
156(Both run in parallel)
157
158WRONG:
159Task #1: financial-analyst
160(Wait for response)
161Task #2: budget-planner
162(Sequential = 2x slower)
163```
164
165---
166
167## ORCHESTRATOR Principle
168
169Remember:
170- **You're the orchestrator** - Dispatch specialists, don't calculate directly
171- **Don't perform analysis yourself** - Dispatch to specialist, they have standards
172- **Combine with ring:using-ring principle** - Skills + Specialists = complete workflow
173
174### Good Example (ORCHESTRATOR):
175> "I need a DCF valuation. Let me dispatch `financial-modeler` to build it."
176
177### Bad Example (OPERATOR):
178> "I'll calculate the DCF myself and just note my assumptions."
179
180---
181
182## Available in This Plugin
183
184**Agents:** See "6 Financial Specialists" table above.
185
186**Skills:**
187- `using-finance-team` (this) - Plugin introduction
188- `financial-analysis` - Comprehensive financial analysis workflow
189- `budget-creation` - Budget planning and forecasting workflow
190- `financial-modeling` - Financial model building workflow
191- `cash-flow-analysis` - Cash flow and liquidity workflow
192- `financial-reporting` - Financial report preparation workflow
193- `metrics-dashboard` - KPI and metrics workflow
194- `financial-close` - Month/year-end close workflow
195
196**Commands:**
197- `/analyze-financials` - Run financial analysis
198- `/create-budget` - Create budget or forecast
199- `/build-model` - Build financial model
200
201**Note:** Missing agents? Check `.claude-plugin/marketplace.json` for ring-finance-team plugin.
202
203---
204
205## Financial Workflows
206
207| Workflow | Entry Point | Output |
208|----------|-------------|--------|
209| **Financial Analysis** | `/analyze-financials` | Analysis report with findings |
210| **Budget Creation** | `/create-budget` | Budget document with assumptions |
211| **Financial Model** | `/build-model` | Model with scenarios and sensitivity |
212
213**Key Principle:** All financial work follows documentation and verification standards.
214
215---
216
217## Integration with Other Plugins
218
219- **ring:using-ring** (default) - ORCHESTRATOR principle for ALL agents
220- **using-finops-team** - Brazilian regulatory compliance
221- **ring:using-dev-team** - Development when building financial systems
222- **ring:using-pm-team** - Planning for financial features
223
224Dispatch based on your need:
225- Financial analysis/modeling -> ring-finance-team agents
226- Regulatory compliance -> ring-finops-team agents
227- System development -> ring-dev-team agents
228- Feature planning -> ring-pm-team agents
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