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From wealth-management
Analyzes portfolio allocation drift and generates tax-aware rebalancing trade recommendations across accounts, considering wash sale rules and transaction costs.
npx claudepluginhub anthropics/financial-services --plugin wealth-managementHow this skill is triggered — by the user, by Claude, or both
Slash command
/wealth-management:portfolio-rebalanceThe summary Claude sees in its skill listing — used to decide when to auto-load this skill
description: Analyze portfolio allocation drift and generate rebalancing trade recommendations across accounts. Considers tax implications, transaction costs, and wash sale rules. Triggers on "rebalance", "portfolio drift", "allocation check", "rebalancing trades", or "my portfolio is out of balance".
Aggregates investment holdings across taxable brokerage, 401k, HSA into asset allocation view, computes drift vs target, proposes tax-efficient rebalances preferring advantaged accounts, flags >5% drift and 401k match issues.
Maintains portfolio target allocations via calendar-based, threshold-based, and tax-efficient rebalancing strategies. Optimizes bands for transaction costs vs. tracking error, covers tax-loss harvesting and cross-account implementation.
Advises on selecting, configuring, and operating portfolio management systems for advisory firms, covering model portfolios, UMA/sleeve management, drift monitoring, rebalancing, and custodian data feeds.
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description: Analyze portfolio allocation drift and generate rebalancing trade recommendations across accounts. Considers tax implications, transaction costs, and wash sale rules. Triggers on "rebalance", "portfolio drift", "allocation check", "rebalancing trades", or "my portfolio is out of balance".
For each account, capture:
Compare current allocation to IPS targets:
| Asset Class | Target % | Current % | Drift | $ Over/Under |
|---|---|---|---|---|
| US Large Cap Equity | ||||
| US Small/Mid Cap | ||||
| International Developed | ||||
| Emerging Markets | ||||
| Investment Grade Bonds | ||||
| High Yield / Credit | ||||
| TIPS / Inflation Protected | ||||
| Alternatives | ||||
| Cash |
Flag positions exceeding the rebalancing band (typically ±3-5%).
Generate trades to bring allocation back to target:
Tax-Aware Rebalancing Rules:
Trade List:
| Account | Action | Security | Shares/$ | Reason | Tax Impact |
|---|---|---|---|---|---|
| Buy/Sell | Rebalance / TLH | ST gain / LT gain / Loss |
Optimize which assets are held in which account types: