Where Are the Customers' Yachts? Conflict Orchestrator
Skill Purpose
Apply Fred Schwed Jr.'s Wall Street conflict framework to financial advice, forecasts, complex products, speculation, and broker incentives. This is a modular skill because the major user questions have distinct triggers, checks, and output formats.
Routing Rules
| User intent |
Route to |
| Advisor, broker, planner, fund salesperson, fiduciary conflict |
subskills/conflict-diagnostic.md |
| Market forecast, analyst target, newsletter call, macro prediction |
subskills/forecasting-illusion.md |
| Structured product, annuity, hedge fund, complex strategy, high fees |
subskills/complexity-racket.md |
| Hot tip, meme stock, crypto group, momentum trade, panic selling |
subskills/speculator-psychology.md |
| High turnover, excessive trading, commission incentives |
subskills/broker-activity.md |
Execution Rules
- Ask who earns money if the user acts.
- Separate investment from speculation before giving advice.
- Prefer simple, low-cost alternatives unless complexity has a clear job.
- Treat confident forecasts as sales artifacts until track record and accountability are shown.
- Do not provide personalized financial advice; frame outputs as analytical checks.
Multi-Module Output Format
- Conflict identification: who earns what.
- Schwed test applied: relevant module and checklist.
- Simple alternative: lower-conflict path.
- Verdict: aligned, partially aligned, or misaligned.
Subskill Status
All subskills are required and present in subskills/.
CITATION RULES
Use quotes only when the user asks for source grounding or when a claim needs attribution. Reference quote anchors by topic file and anchor. Keep quoted excerpts short.
conflicts-incentives-quotes.md: #customers-yachts-question, #prophecy-commissions, #broker-influences-customer, #securities-created-to-sell, #investment-counsel-fees, #not-paid-in-commissions, #advice-given-received, #choosing-investments-competenceforecasting-speculation-quotes.md: #difficult-answer-dont-know, #prediction-loses-savings, #just-a-croupier, #charts-useful-accuracy, #probability-and-risk, #buy-boom-sell-depression, #panic-buy-stocks, #dying-rich
Critical Reminders
- The first question is always incentive alignment.
- Confidence is not accuracy.
- Complexity often prevents comparison.
- Do not reproduce long source passages.
1---2name: customers-yachts-wall-street-schwed3description: Analyze Wall Street conflicts. Trigger on: "can I trust this advisor?", "is this forecast reliable?", "whose interest does this serve?".4license: Skill distillation for personal/educational use. Do not reproduc5---67# Where Are the Customers' Yachts? Conflict Orchestrator89## Skill Purpose1011Apply Fred Schwed Jr.'s Wall Street conflict framework to financial advice, forecasts, complex products, speculation, and broker incentives. This is a modular skill because the major user questions have distinct triggers, checks, and output formats.1213## Routing Rules1415| User intent | Route to |16|---|---|17| Advisor, broker, planner, fund salesperson, fiduciary conflict | `subskills/conflict-diagnostic.md` |18| Market forecast, analyst target, newsletter call, macro prediction | `subskills/forecasting-illusion.md` |19| Structured product, annuity, hedge fund, complex strategy, high fees | `subskills/complexity-racket.md` |20| Hot tip, meme stock, crypto group, momentum trade, panic selling | `subskills/speculator-psychology.md` |21| High turnover, excessive trading, commission incentives | `subskills/broker-activity.md` |2223## Execution Rules24251. Ask who earns money if the user acts.262. Separate investment from speculation before giving advice.273. Prefer simple, low-cost alternatives unless complexity has a clear job.284. Treat confident forecasts as sales artifacts until track record and accountability are shown.295. Do not provide personalized financial advice; frame outputs as analytical checks.3031## Multi-Module Output Format3233- Conflict identification: who earns what.34- Schwed test applied: relevant module and checklist.35- Simple alternative: lower-conflict path.36- Verdict: aligned, partially aligned, or misaligned.3738## Subskill Status3940All subskills are required and present in `subskills/`.4142## CITATION RULES4344Use quotes only when the user asks for source grounding or when a claim needs attribution. Reference quote anchors by topic file and anchor. Keep quoted excerpts short.4546- `conflicts-incentives-quotes.md`: `#customers-yachts-question`, `#prophecy-commissions`, `#broker-influences-customer`, `#securities-created-to-sell`, `#investment-counsel-fees`, `#not-paid-in-commissions`, `#advice-given-received`, `#choosing-investments-competence`47- `forecasting-speculation-quotes.md`: `#difficult-answer-dont-know`, `#prediction-loses-savings`, `#just-a-croupier`, `#charts-useful-accuracy`, `#probability-and-risk`, `#buy-boom-sell-depression`, `#panic-buy-stocks`, `#dying-rich`4849## Critical Reminders5051- The first question is always incentive alignment.52- Confidence is not accuracy.53- Complexity often prevents comparison.54- Do not reproduce long source passages.
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