michaelschecht
- 403 skills
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- 2 weeks ago last updated
- ▌ Generate Recipe Images · michaelschechtFind recipes without images in the Flavor Atlas GitHub repo, search for and download recipe images, upload to GitHub, and update recipe files to link images. Use when asked to add images to recipes, enrich recipes with photos, or generate recipe images for Flavor Atlas.
- ▌ Google Analytics · michaelschecht bundleAnalyze Google Analytics data, review website performance metrics, identify traffic patterns, and suggest data-driven improvements. Use when the user asks about analytics, website metrics, traffic analysis, conversion rates, user behavior, or performance optimization.
- ▌ CI CD Pipeline Setup · michaelschechtDesign and implement CI/CD pipelines across Jenkins, GitHub Actions, and GitLab CI. Use when: (1) automating build/test/deploy, (2) standardizing release workflows, (3) adding quality/security gates. NOT for: manual one-off deployments without version control.
- ▌ Git Context Controller · michaelschecht bundleGit Context Controller (GCC) - Manages agent memory as a versioned file system under .GCC/. This skill should be used when working on multi-step projects that benefit from structured memory persistence, milestone tracking, branching for alternative approaches, and cross-session context recovery. Triggers on /gcc commands or natural language like 'commit this progress', 'branch to try an alternative', 'merge results', 'recover context'.
- ▌ Github Actions Creator · michaelschecht bundleUse when the user wants to create, generate, or set up a GitHub Actions workflow. Handles CI/CD pipelines, testing, deployment, linting, security scanning, release automation, Docker builds, scheduled tasks, and any custom workflow for any language or framework.
- ▌ Senior Frontend · michaelschecht bundleComprehensive frontend development skill for building modern, performant web applications using ReactJS, NextJS, TypeScript, Tailwind CSS. Includes component scaffolding, performance optimization, bundle analysis, and UI best practices. Use when developing frontend features, optimizing performance, implementing UI/UX designs, managing state, or reviewing frontend code.
- ▌ Senior Security · michaelschecht bundleComprehensive security engineering skill for application security, penetration testing, security architecture, and compliance auditing. Includes security assessment tools, threat modeling, crypto implementation, and security automation. Use when designing security architecture, conducting penetration tests, implementing cryptography, or performing security audits.
- ▌ Together Gpu Clusters · michaelschechtProvision and operate Together AI GPU clusters for distributed training, inference, and HPC workloads.
- ▌ Testing Performance · michaelschechtLoad, stress, endurance, and benchmarking workflows for validating application performance under realistic traffic.
- ▌ Self Improvement · michaelschechtCapture corrections, command failures, tool surprises, missing capabilities, and better approaches as durable project learnings. Use this skill when a task reveals reusable knowledge that should prevent future mistakes or improve agent behavior.
- ▌ End Daily Podcast Topic · michaelschechtCollects the latest podcast topic discussion from the Podcast Writers Room workspace, compiles agent responses into a markdown document, publishes to GitHub, posts completion message, uploads context, and ALWAYS marks the associated task as complete in AX. Use when ending a podcast topic, closing daily discussion, finishing a debate round, or when asked to wrap up, complete, or publish podcast responses.
- ▌ Canary Release Process · michaelschechtDesign canary release processes with phased traffic shifting and automated health gates. Use when: (1) reducing blast radius, (2) validating releases progressively, (3) enforcing rollback thresholds. NOT for: all-at-once mandatory releases.
- ▌ Agent Md Refactor · michaelschecht bundleRefactor bloated AGENTS.md, CLAUDE.md, or similar agent instruction files to follow progressive disclosure principles. Splits monolithic files into organized, linked documentation.
- ▌ Discernment Nudge · michaelschecht bundleAppends a short, optional follow-up nudge after substantive AI answers, prompting the user to fact-check, question assumptions, or notice missing context — without repeating or interrupting the main answer. Use when giving estimates, advice in consequential domains, multi-step reasoning, or data interpretation where blind trust in the answer would be risky.
- ▌ Container Orchestration · michaelschechtPlan and operate container orchestration using Kubernetes or Docker Swarm. Use when: (1) deploying containerized workloads, (2) scaling services reliably, (3) managing service discovery and rollout controls. NOT for: single-host local development only.
- ▌ Python Design Patterns · michaelschecht bundlePython architecture and code-structure guidance centered on KISS, single responsibility, composition over inheritance, and the rule of three. Use when designing new components or refactoring complex Python code.
- ▌ Senior Ml Engineer · michaelschecht bundleWorld-class ML engineering skill for productionizing ML models, MLOps, and building scalable ML systems. Expertise in PyTorch, TensorFlow, model deployment, feature stores, model monitoring, and ML infrastructure. Includes LLM integration, fine-tuning, RAG systems, and agentic AI. Use when deploying ML models, building ML platforms, implementing MLOps, or integrating LLMs into production systems.
- ▌ Feature Flags · michaelschechtHandle feature-flagged React development and tests, especially when flags differ by environment, channel, or forked configuration.
- ▌ API Integration Specialist · michaelschechtExpert in integrating third-party APIs with proper authentication, error handling, rate limiting, and retry logic. Use when integrating REST APIs, GraphQL endpoints, webhooks, or external services. Specializes in OAuth flows, API key management, request/response transformation, and building robust API clients.
- ▌ Tokenomics Modeling · michaelschechtBuild token supply, emission, and utility models with scenario analysis and anti-manipulation checks. Use when: (1) launch planning, (2) treasury runway analysis, (3) incentive simulations. NOT for: guaranteeing price outcomes.
- ▌ Configuration Management · michaelschechtManage infrastructure and system configuration with Ansible, Chef, or Puppet. Use when: (1) enforcing desired state, (2) reducing configuration drift, (3) standardizing server provisioning. NOT for: unmanaged ad-hoc shell changes.
- ▌ Rspack Tracing · michaelschechtDiagnose Rspack build failures and performance bottlenecks using trace capture and analysis workflows.
- ▌ Applying Brand Guidelines · michaelschecht bundleThis skill applies consistent corporate branding and styling to all generated documents including colors, fonts, layouts, and messaging
- ▌ Feedback Mastery · michaelschecht bundleNavigate difficult conversations and deliver constructive feedback using structured frameworks. Covers the Preparation-Delivery-Follow-up model and Situation-Behavior-Impact (SBI) feedback technique. Use when preparing for difficult conversations, giving feedback, or managing conflicts.
- ▌ Defi Protocol Design · michaelschechtDesign DeFi mechanisms (liquidity, incentives, risk controls) with economic and technical constraints. Use when: (1) tokenomics alignment, (2) AMM/lending design, (3) protocol parameter tuning plans. NOT for: investment advice.
- ▌ Evm Gas Optimization · michaelschechtRecommend gas optimization tactics with readability/security tradeoff notes and benchmarks. Use when: (1) reducing transaction costs, (2) profiling hotspots, (3) refactoring storage patterns. NOT for: unsafe micro-optimizations.
- ▌ Infrastructure Monitoring · michaelschechtSet up infrastructure monitoring with Prometheus and Grafana for metrics, alerting, and dashboards. Use when: (1) defining SLO-driven observability, (2) instrumenting services, (3) creating alert policies. NOT for: replacing incident response ownership.
- ▌ Postgres Schema Design · michaelschecht bundleComprehensive PostgreSQL-specific table design reference covering data types, indexing, constraints, performance patterns, and advanced features
- ▌ Senior Data Engineer · michaelschecht bundleWorld-class data engineering skill for building scalable data pipelines, ETL/ELT systems, and data infrastructure. Expertise in Python, SQL, Spark, Airflow, dbt, Kafka, and modern data stack. Includes data modeling, pipeline orchestration, data quality, and DataOps. Use when designing data architectures, building data pipelines, optimizing data workflows, or implementing data governance.
- ▌ Frontend Design · michaelschecht bundleCreate distinctive, production-grade frontend interfaces with high design quality. Use this skill when the user asks to build web components, pages, artifacts, posters, or applications (examples include websites, landing pages, dashboards, React components, HTML/CSS layouts, or when styling/beautifying any web UI). Generates creative, polished code and UI design that avoids generic AI aesthetics.
- ▌ Creating Financial Models · michaelschecht bundleThis skill provides an advanced financial modeling suite with DCF analysis, sensitivity testing, Monte Carlo simulations, and scenario planning for investment decisions
- ▌ N8n Workflow Patterns · michaelschechtProven architectural patterns for building n8n workflows instead of improvising node graphs from scratch.
- ▌ Codebase Onboarding · michaelschechtAnalyze a repository and generate onboarding documentation including architecture overviews, key file maps, setup guides, runbooks, and contribution guidance. Use when a codebase needs newcomer-friendly documentation.
- ▌ Dao Governance Design · michaelschechtDesign DAO governance processes, voting systems, and proposal lifecycle controls. Use when: (1) setting governance rules, (2) reducing capture risk, (3) defining emergency powers. NOT for: legal governance compliance advice.
- ▌ Disaster Recovery Planning · michaelschechtCreate disaster recovery strategies with RTO/RPO targets, failover runbooks, and test plans. Use when: (1) defining business continuity controls, (2) preparing incident failover, (3) auditing resilience readiness. NOT for: production cutovers without rehearsal.
- ▌ Senior Data Scientist · michaelschecht bundleWorld-class data science skill for statistical modeling, experimentation, causal inference, and advanced analytics. Expertise in Python (NumPy, Pandas, Scikit-learn), R, SQL, statistical methods, A/B testing, time series, and business intelligence. Includes experiment design, feature engineering, model evaluation, and stakeholder communication. Use when designing experiments, building predictive models, performing causal analysis, or driving data-driven decisions.
- ▌ Open Source Management · michaelschechtUse this skill to maintain healthy open source projects: contribution workflows, issue triage, governance, licensing, changelogs, releases, and community operations.
- ▌ Popular Support Building Strategy · michaelschechtA method for gaining popular support through asymmetric economic policies that benefit the populace.
- ▌ Web3 Dapp Product Spec · michaelschechtWrite dApp product specs covering wallet UX, transaction states, and on/off-chain boundaries. Use when: (1) defining MVP scope, (2) reducing wallet-friction, (3) documenting user journeys. NOT for: direct frontend coding.
- ▌ Azure Devops Pipeline · michaelschechtCreate Azure DevOps pipelines for building, testing, and deploying applications to Azure services.
- ▌ Swiftui View Generator · michaelschechtGenerate SwiftUI views with MVVM architecture, Combine, and iOS best practices.
- ▌ Senior Computer Vision · michaelschecht bundleWorld-class computer vision skill for image/video processing, object detection, segmentation, and visual AI systems. Expertise in PyTorch, OpenCV, YOLO, SAM, diffusion models, and vision transformers. Includes 3D vision, video analysis, real-time processing, and production deployment. Use when building vision AI systems, implementing object detection, training custom vision models, or optimizing inference pipelines.
- ▌ Senior Prompt Engineer · michaelschecht bundleWorld-class prompt engineering skill for LLM optimization, prompt patterns, structured outputs, and AI product development. Expertise in Claude, GPT-4, prompt design patterns, few-shot learning, chain-of-thought, and AI evaluation. Includes RAG optimization, agent design, and LLM system architecture. Use when building AI products, optimizing LLM performance, designing agentic systems, or implementing advanced prompting techniques.
- ▌ Cross Chain Integration · michaelschechtPlan cross-chain architecture including bridge risks, messaging assumptions, and fallback behavior. Use when: (1) multi-chain product design, (2) bridge/vendor selection, (3) failure-mode planning. NOT for: bypassing bridge security constraints.
- ▌ AWS Infrastructure Setup · michaelschechtSet up AWS infrastructure using Terraform/CloudFormation with best practices for security, scalability, and cost optimization.
- ▌ Component Fixtures · michaelschechtBuild isolated component fixtures for screenshot testing and visual debugging. Use when creating fixture-friendly UI components, stable rendering setups, or screenshot regression coverage.
- ▌ Solidity Security Review · michaelschechtPerform structured Solidity security reviews with known vuln classes and mitigations. Use when: (1) pre-audit review, (2) threat modeling contracts, (3) writing remediation guidance. NOT for: replacing formal audits.
- ▌ GCP Kubernetes Deployment · michaelschechtDeploy containerized applications to Google Kubernetes Engine with CI/CD, monitoring, and auto-scaling.
- ▌ Financial Analysis · michaelschechtConduct comprehensive financial market analysis including stock market analysis, investment strategy insights, global market developments, earnings reports, and market sentiment scoring. Use when analyzing markets, researching investments, tracking earnings, or assessing market sentiment. Outputs are saved to GitHub and posted to AX MCP message board.
- ▌ Blue Green Deployment Strategy · michaelschechtImplement blue-green deployment workflows for low-downtime releases and fast rollback. Use when: (1) minimizing release risk, (2) validating new environments before cutover, (3) requiring near-instant rollback. NOT for: environments lacking duplicate capacity.
- ▌ Flutter Widget Builder · michaelschechtBuild Flutter widgets using BLoC pattern, Material Design, and clean architecture principles.
- ▌ React Native Core · michaelschechtBuild cross-platform mobile apps with React Native. Use when: (1) need iOS + Android from single codebase, (2) team has JavaScript/React experience, (3) want hot-reload development. NOT for: games, AR/VR apps, or performance-critical native features.
- ▌ Data Privacy Compliance · michaelschechtData privacy and regulatory compliance specialist for GDPR, CCPA, HIPAA, and international data protection laws. Use when implementing privacy controls, conducting data protection impact assessments, ensuring regulatory compliance, or managing data subject rights. Expert in consent management, data minimization, and privacy-by-design principles.
- ▌ Smart Contract Architecture · michaelschechtDesign secure smart contract architecture including modularity, permissions, and upgrade strategy. Use when: (1) planning protocol contracts, (2) defining trust boundaries, (3) minimizing attack surface. NOT for: unaudited mainnet deployment.
- ▌ Footballbin Predictions · michaelschecht bundleGet AI-powered match predictions for Premier League and Champions League including scores, next goal, and corners.
- ▌ Ax Workspace Cookbooks Skill · michaelschechtGenerate complete workspace setup documentation (agents, tools, workflows, configuration) for AX Platform multi-agent collaboration scenarios
- ▌ Mermaid Diagram Specialist · michaelschechtMermaid diagram specialist for creating flowcharts, sequence diagrams, ERDs, and architecture visualizations
- ▌ Market Mechanics Betting · michaelschecht bundleUse to convert probabilities into decisions (bet/pass/hedge) and optimize scoring. Invoke when need to calculate edge, size bets optimally (Kelly Criterion), extremize aggregated forecasts, or improve Brier scores. Use when user mentions betting strategy, Kelly, edge calculation, Brier score, extremizing, or translating belief into action.
- ▌ React Component Generator · michaelschechtGenerate robust, accessible, and well-typed React components using Tailwind CSS and TypeScript. Use this skill when asked to create a new UI component, page element, or widget.
- ▌ Writing Clearly And Concisely · michaelschecht bundleUse when writing prose humans will read—documentation, commit messages, error messages, explanations, reports, or UI text. Applies Strunk's timeless rules for clearer, stronger, more professional writing.
- ▌ Jetpack Compose Screen Builder · michaelschechtBuild Android screens using Jetpack Compose, ViewModel, and Material Design 3.
- ▌ Order Lifecycle · michaelschechtGuide the design and implementation of order lifecycle management in trading systems. Use when building an order state machine for an OMS or EMS, implementing or debugging FIX protocol connectivity to exchanges, handling cancel/replace race conditions, defining pre-submission validation rules (buying power, position limits, restricted lists), selecting order types and time-in-force instructions, designing multi-leg or OCO or bracket orders, building CAT-compliant audit trails, troubleshooting order rejections or unexpected state transitions, hardening an OMS against edge cases, or implementing order persistence and recovery for failover. Also covers FIX message flows, ClOrdID chaining, and partial fill aggregation.
- ▌ Trade Execution · michaelschechtGuide the design, evaluation, and monitoring of trade execution quality and best execution practices. Use when assessing best execution obligations under FINRA Rule 5310 or RIA fiduciary duty, designing smart order routing across exchanges and dark pools, selecting execution algorithms (VWAP, TWAP, implementation shortfall, POV), building transaction cost analysis (TCA) for pre-trade estimation or post-trade measurement, analyzing bid-ask spread decomposition or market impact or information leakage, conducting best execution committee reviews, evaluating payment for order flow (PFOF) arrangements, interpreting Rule 605/606 reports, or handling fixed income or ETF execution via RFQ protocols. Also covers Reg NMS Order Protection Rule and venue fee structures.
- ▌ Analyzing Financial Statements · michaelschecht bundleThis skill calculates key financial ratios and metrics from financial statement data for investment analysis
- ▌ Operational Risk · michaelschechtGuide identification, measurement, and management of operational risk in trading and brokerage operations. Use when designing trade error detection and correction procedures, investigating trade breaks and reconciliation failures, classifying loss events under Basel taxonomy, developing key risk indicators (KRIs) and dashboards, responding to system outages or data feed failures or order routing errors, conducting root cause analysis after a trade error or settlement fail, planning business continuity and disaster recovery for trading desks, preparing for FINRA or SEC operational risk examinations, or assessing technology risk in OMS and market data systems. Also covers fat-finger errors, error account P&L, and corrective action tracking.
- ▌ Counterparty Risk · michaelschechtGuide counterparty credit risk measurement and management for OTC and securities trading. Use when measuring current or potential future exposure to a counterparty, setting or reviewing counterparty credit limits, evaluating ISDA Master Agreement netting benefits, designing collateral management or CSA terms, assessing central clearing mandates under Dodd-Frank or EMIR, monitoring counterparty creditworthiness via CDS spreads or ratings, managing Herstatt or settlement risk in FX, quantifying wrong-way risk, or building real-time exposure dashboards. Also use for counterparty default scenarios, credit deterioration events, EAD and SA-CCR calculations, and CVA capital charges.
- ▌ Margin Operations · michaelschechtGuide margin lending, margin requirements, and margin call operations for brokerage and advisory accounts. Use when calculating Reg T initial margin or buying power, determining maintenance margin or house requirements, evaluating portfolio margin eligibility under OCC TIMS, generating or resolving margin calls (fed call, house call, exchange call, day-trade call), designing forced liquidation waterfall logic, structuring securities-backed lines of credit (SBLOC), computing margin interest impact on returns, assessing concentrated position margin, understanding pattern day trader rules, or reviewing FINRA 4210 and Reg U requirements. Also covers SMA calculations and short margin mechanics.
- ▌ Lending · michaelschecht bundleAnalyze lending products including mortgages, HELOCs, and personal loans with amortization and comparison tools. Use when the user asks about mortgage comparison, fixed vs ARM rates, loan qualification, amortization schedules, extra payments, or buying points. Also trigger when users mention 'monthly payment calculation', '15-year vs 30-year mortgage', 'PMI', 'APR vs interest rate', 'HELOC', 'home equity', 'should I buy down the rate', 'biweekly payments', or ask how much house they can afford.
- ▌ Equities · michaelschecht bundleAnalyze equity securities, factor models, and equity portfolio construction. Use when the user asks about stocks, equity valuation ratios, index construction methods, or style analysis. Also trigger when users mention 'P/E ratio', 'growth vs value', 'market cap weighting', 'sector allocation', 'GICS classification', 'earnings per share', 'Fama-French factors', 'CAPM', 'dividend yield', 'PEG ratio', 'EV/EBITDA', or ask which factors explain equity returns.
- ▌ Settlement Clearing · michaelschechtGuide the understanding and management of trade settlement and clearing processes. Use when designing settlement workflows for T+1 compliance, understanding DTC/NSCC/FICC clearing infrastructure, analyzing continuous net settlement (CNS) netting obligations, setting up institutional trade processing (affirmation, confirmation, allocation, matching), investigating settlement fails and designing fail reduction programs, implementing buy-in procedures under Reg SHO Rule 204, assessing corporate action impact on pending settlements, evaluating DVP/RVP mechanics for institutional deliveries, handling when-issued or as-of trades, or managing settlement bank relationships and intraday liquidity. Also covers FX funding gaps for cross-border T+1 settlement.
- ▌ React Native Component Generator · michaelschechtGenerate React Native functional components with hooks, state management, and styling for mobile apps.
- ▌ Pre Trade Compliance · michaelschechtGuide the design and implementation of automated pre-trade compliance systems that validate orders before execution. Use when building a compliance rule engine for an RIA or broker-dealer, configuring hard blocks and soft blocks, maintaining restricted and watch lists including MNPI-driven restrictions, setting concentration limits at security/sector/issuer level, implementing position limits or short selling controls, enforcing wash sale detection or free-riding prevention or pattern day trader identification, applying client-specific ESG screens or legal constraints, designing compliance override workflows with authorization and documentation, backtesting compliance rules, or evaluating compliance check latency impact on execution quality.
- ▌ Bet Sizing · michaelschecht bundleDetermine how much capital to allocate to individual positions within a portfolio. Use when the user asks about position sizing, the Kelly criterion, fractional Kelly, risk budgeting, or conviction weighting. Also trigger when users mention 'how much to put in one stock', 'maximum position size', 'how concentrated should my portfolio be', 'number of holdings', 'VaR budget per position', 'how big a bet', or ask about scaling position sizes with volatility.
- ▌ Exchange Connectivity · michaelschechtGuide the design and management of trading venue connectivity and market data infrastructure. Use when building or troubleshooting FIX sessions for order routing or drop copy, integrating exchange protocols like OUCH, ITCH, PITCH, or Pillar, designing market data feed architecture, handling trading halts or circuit breakers or LULD bands, mapping symbology across CUSIP/ISIN/SEDOL/FIGI, planning co-location or proximity hosting, designing failover and DR for exchange connectivity, implementing Rule 15c3-5 market access controls, building session scheduling for pre-market and post-market windows, resolving FIX sequence number gaps, or planning CAT reporting infrastructure.
- ▌ Post Trade Compliance · michaelschechtGuide post-trade compliance monitoring and trade surveillance system design. Use when building alert logic to detect churning, front-running, cherry-picking, layering, spoofing, wash trading, or marking the close, implementing post-trade best execution review, evaluating allocation fairness with pro-rata verification or dispersion analysis, designing exception-based monitoring workflows with escalation paths, correlating trading with MNPI events for insider trading detection, building personal trading surveillance for preclearance and blackout enforcement, determining SAR or blue sheet or CAT reporting triggers, or tuning surveillance thresholds to reduce false positives. Also covers turnover ratios, cost-to-equity ratios, and investigation case management.
- ▌ Commodities · michaelschecht bundleAnalyze commodity markets including futures curve dynamics, roll yield, and supply/demand fundamentals. Use when the user asks about commodity investing, commodity ETFs, contango, backwardation, roll yield, commodity indices (GSCI, BCOM), or commodities as an inflation hedge. Also trigger when users mention 'oil prices', 'gold as a safe haven', 'agricultural futures', 'convenience yield', 'storage costs', 'natural gas', 'copper demand', or ask why commodity ETF returns differ from spot price changes.
- ▌ Real Assets · michaelschecht bundleAnalyze real estate and infrastructure investments including REITs, direct property valuation, and infrastructure assets. Use when the user asks about real estate investing, REITs, cap rates, NOI, FFO, AFFO, property valuation, or infrastructure investments. Also trigger when users mention 'rental property analysis', 'cash-on-cash return', 'gross rent multiplier', 'REIT dividends', 'real estate sectors', 'cell towers', 'toll roads', 'LTV ratio', 'DSCR', or ask whether to invest in real estate directly or through REITs.
- ▌ Rebalancing · michaelschecht bundleMaintain portfolio allocations over time using calendar-based, threshold-based, and tax-efficient rebalancing strategies. Use when the user asks about when to rebalance, rebalancing bands, transaction cost trade-offs, tax-efficient rebalancing, or the rebalancing premium. Also trigger when users mention 'my portfolio drifted', 'how often should I rebalance', 'rebalancing across taxable and IRA accounts', 'volatility harvesting', 'buy low sell high automatically', or ask whether to use cash flows to rebalance.
- ▌ Alternatives · michaelschechtAnalyze alternative investments including hedge funds, private equity, and venture capital. Use when the user asks about hedge fund strategies (long/short, macro, event-driven), PE or VC performance metrics (IRR, TVPI, DPI), fee structures ('2-and-20', carry, hurdle rates), the J-curve effect, illiquidity premiums, lock-up periods, or hedge fund replication. Also trigger when users mention 'managed futures', 'CTA', 'fund of funds', 'vintage year', 'capital calls', 'distributions', 'carried interest', or ask how to evaluate an alternative investment manager.
- ▌ Forward Risk · michaelschecht bundleEstimate potential future losses using VaR, Expected Shortfall, Monte Carlo simulation, and stress testing. Use when the user asks about Value-at-Risk, CVaR, Expected Shortfall, scenario analysis, stress testing, or factor-based risk decomposition. Also trigger when users mention 'how much could I lose', 'worst-case scenario', 'tail risk', 'risk budget', 'component VaR', 'marginal VaR', '99% confidence loss', 'Monte Carlo simulation', or ask how to project portfolio risk forward.
- ▌ Fund Vehicles · michaelschecht bundleCompare and select investment vehicles including mutual funds, ETFs, index funds, and separately managed accounts. Use when the user asks about ETF vs mutual fund, expense ratios, fund tax efficiency, ETF creation/redemption, tracking error, or share class comparisons. Also trigger when users mention 'which fund should I buy', 'Vanguard vs Fidelity', 'index fund costs', '12b-1 fees', 'load vs no-load', 'SMA vs ETF', 'fund turnover ratio', 'securities lending', or ask how fees compound over time.
- ▌ Savings Goals · michaelschecht bundlePlan and track savings for specific financial goals including retirement, education, and home purchase. Use when the user asks about required savings rates, 529 plans, retirement accumulation targets, down payment planning, or goal prioritization. Also trigger when users mention 'how much do I need to save each month', 'am I on track for retirement', 'college savings', 'safe withdrawal rate', '4% rule', 'FIRE savings rate', 'catch-up contributions', 'employer match', or ask how to balance competing savings goals.
- ▌ Digital Assets · michaelschechtAnalyze digital assets including cryptocurrency fundamentals, blockchain mechanics, DeFi protocols, and on-chain metrics. Use when the user asks about crypto investing, Bitcoin, Ethereum, staking yields, DeFi lending, impermanent loss, or on-chain valuation metrics. Also trigger when users mention 'blockchain', 'proof of stake', 'proof of work', 'smart contracts', 'NFTs', 'stablecoins', 'NVT ratio', 'TVL', 'crypto portfolio allocation', 'halving', or ask about risks and returns of cryptocurrency.
- ▌ Emergency Fund · michaelschecht bundleSize and structure an emergency fund based on individual circumstances, income stability, and expense profile. Use when the user asks about emergency fund sizing, how many months of expenses to save, where to keep emergency savings, or tiered fund structures. Also trigger when users mention 'rainy day fund', 'how much cash should I keep', 'high-yield savings account', 'money market fund', 'freelancer cash reserve', 'variable income buffer', or ask what counts as an emergency expense.
- ▌ Tax Efficiency · michaelschecht bundleMaximize after-tax returns through strategic asset location, tax-loss harvesting, gain/loss management, and withdrawal sequencing. Use when the user asks about asset location, tax-loss harvesting, Roth conversions, tax-efficient withdrawals, tax lot selection, or charitable giving with appreciated securities. Also trigger when users mention 'which account should I hold bonds in', 'wash-sale rule', 'tax drag', 'Roth vs Traditional', 'RMD planning', 'bracket stuffing', 'HIFO vs FIFO', or ask how to minimize taxes on investments.
- ▌ Debt Management · michaelschecht bundleProvide frameworks for managing and paying off personal debt effectively. Use when the user asks about debt payoff strategies (avalanche vs snowball), refinancing decisions, debt consolidation, debt-to-income ratios, or the opportunity cost of paying off debt vs investing. Also trigger when users mention 'which debt to pay first', 'should I refinance', 'credit card debt', 'student loan payoff', 'DTI for mortgage', 'balance transfer', 'good debt vs bad debt', or ask how to get out of debt faster.
- ▌ Diversification · michaelschecht bundleBuild diversified portfolios using correlation analysis, efficient frontier construction, and factor-based diversification. Use when the user asks about portfolio variance, correlation effects, the efficient frontier, minimum variance portfolios, diversification ratios, or factor diversification. Also trigger when users mention 'don't put all eggs in one basket', 'how many stocks do I need', 'correlation breakdown in a crisis', 'are my holdings really diversified', 'risk contributions', or ask why diversification fails during market crashes.
- ▌ Historical Risk · michaelschecht bundleQuantify realized risk from historical data using volatility estimators, drawdown analysis, and downside risk metrics. Use when the user asks about historical volatility, maximum drawdown, drawdown duration, historical VaR, downside deviation, semi-variance, or tracking error. Also trigger when users mention 'how risky has this been', 'worst decline', 'Parkinson estimator', 'Yang-Zhang', 'peak-to-trough loss', 'recovery time', 'annualized volatility', or ask how to measure past investment risk.
- ▌ Asset Allocation · michaelschecht bundleDetermine how to distribute capital across asset classes using strategic and tactical allocation frameworks. Use when the user asks about portfolio allocation, mean-variance optimization, Black-Litterman, risk parity, glide paths, or target-date strategies. Also trigger when users mention 'how much in stocks vs bonds', '60/40 portfolio', 'policy portfolio', 'core-satellite', 'liability-driven investing', 'asset-liability matching', or ask how to split their money across investments.
- ▌ Currencies And Fx · michaelschecht bundleAnalyze currency markets, exchange rate mechanics, and FX risk management for international portfolios. Use when the user asks about exchange rates, FX hedging, interest rate parity, carry trades, forward premiums, cross rates, or currency overlay programs. Also trigger when users mention 'strong dollar', 'weak euro', 'hedging foreign stocks', 'purchasing power parity', 'currency risk in my portfolio', 'EUR/USD', 'yen carry trade', or ask whether to hedge international investments.
- ▌ Investment Policy · michaelschechtConstruct comprehensive Investment Policy Statements governing return objectives, risk tolerance, and portfolio constraints. Use when the user asks about building an IPS, setting return objectives, assessing risk tolerance, defining investment constraints, or establishing rebalancing and benchmark policies. Also trigger when users mention 'investment plan', 'policy portfolio', 'risk capacity vs willingness', 'spending rate for an endowment', 'foundation payout', 'manager selection criteria', or ask how to document their investment strategy.
- ▌ Finance Psychology · michaelschechtRecognize and mitigate cognitive biases that impair financial decisions, and coach clients toward values-driven financial lives. Use when the user asks about behavioral finance, money psychology, loss aversion, overconfidence, herd behavior, or emotional investing. Also trigger when users mention 'why do I panic sell', 'money fights with my spouse', 'I can never save enough', 'fear of investing', 'lifestyle creep', 'keeping up with the Joneses', 'Rich Life', 'money scripts', or ask how emotions affect financial decisions.
- ▌ Performance Metrics · michaelschecht bundleEvaluate investment performance on a risk-adjusted basis using industry-standard ratios and capture analysis. Use when the user asks about Sharpe ratio, Sortino ratio, Information Ratio, Treynor ratio, Calmar ratio, Omega ratio, or upside/downside capture. Also trigger when users mention 'risk-adjusted returns', 'return per unit of risk', 'M-squared', 'is this fund worth the volatility', 'how to compare two managers', 'capture ratio', or ask which investment performed better after accounting for risk.
- ▌ Tax Loss Harvesting · michaelschechtExecute a complete tax-loss harvesting workflow from candidate identification through post-harvest monitoring. Use when the user asks about finding TLH candidates, gain/loss budgeting, replacement security selection, wash-sale compliance, or harvest execution planning. Also trigger when users mention 'unrealized losses in my portfolio', 'swap ETFs for tax purposes', 'harvest losses before year-end', 'substantially identical security', 'wash-sale window', 'NIIT offset', 'loss carryforward', or ask how much tax they can save by harvesting.
- ▌ Volatility Modeling · michaelschecht bundleModel, forecast, and interpret volatility using time-series models and options-implied measures. Use when the user asks about EWMA, GARCH models, implied volatility, volatility surfaces, volatility term structure, or the VIX. Also trigger when users mention 'volatility smile', 'volatility skew', 'realized vs implied vol', 'volatility risk premium', 'vol clustering', 'mean-reverting volatility', 'options pricing inputs', 'RiskMetrics', 'decay factor', or ask how to forecast future volatility for risk management.
- ▌ Liquidity Management · michaelschecht bundlePlan and manage cash flow to ensure adequate liquidity while minimizing opportunity cost of excess cash. Use when the user asks about cash flow forecasting, CD or bond laddering, liquidity tiers, income smoothing for variable earners, or sweep strategies. Also trigger when users mention 'T-bill ladder', 'where to park cash', 'irregular income budgeting', 'freelancer cash management', 'lumpy expenses', 'liquidity ratio', 'how much cash to hold', or ask how to plan for large upcoming expenses.
- ▌ Performance Reporting · michaelschecht bundleGenerate clear, accurate performance reports for investment portfolios with benchmarks, attribution, and risk dashboards. Use when the user asks about portfolio performance reports, return summaries, benchmark comparison, risk dashboards, goal progress tracking, or GIPS-compliant reporting. Also trigger when users mention 'quarterly report', 'how did my portfolio do', 'time-weighted vs money-weighted return', 'annualized returns', 'net-of-fee performance', 'rolling Sharpe', or ask how to present investment results to clients.
- ▌ Qualitative Valuation · michaelschechtAssess business quality, competitive positioning, and sustainability of value creation beyond financial models. Use when the user asks about economic moats, competitive advantages, Porter's Five Forces, management quality, ESG integration, or business model analysis. Also trigger when users mention 'does this company have a moat', 'switching costs', 'network effects', 'brand value', 'management track record', 'capital allocation', 'insider ownership', 'red flags', or ask whether a company's advantage is durable.
- ▌ Fixed Income Corporate · michaelschecht bundleAnalyze corporate bonds and credit instruments including investment grade and high yield debt. Use when the user asks about corporate bonds, credit spreads (OAS, Z-spread, G-spread), credit ratings, default probabilities, callable bonds, or private credit. Also trigger when users mention 'junk bonds', 'fallen angel', 'yield-to-worst', 'covenant analysis', 'CDS spreads', 'recovery rates', 'direct lending', 'mezzanine debt', 'BBB downgrade risk', or ask how to evaluate corporate credit risk.
- ▌ Fixed Income Municipal · michaelschecht bundleAnalyze municipal bonds including tax-equivalent yield calculations, GO vs revenue bond evaluation, and muni credit analysis. Use when the user asks about municipal bonds, tax-exempt income, tax-equivalent yield, AMT bonds, or muni credit quality. Also trigger when users mention 'muni bonds', 'tax-free bonds', 'state tax exemption', 'general obligation', 'revenue bonds', 'Build America Bonds', 'muni yield ratio', 'de minimis rule', or ask whether munis make sense for their tax bracket.