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Retirement projection with Monte Carlo simulation logic. Calculates required nest egg via 4% rule and 25x expenses, projected vs needed gap, contribution recommendations, asset allocation by age, Social Security claim optimization, healthcare cost projections, and withdrawal sequence planning. Use when the user says "/finance retirement", "am I on track for retirement", "how much do I need to retire", "Social Security timing", or any retirement question.

日本語の概要は準備中です。原文の説明を表示しています。

60-Second Financial Snapshot — fast assessment of financial health based on six core inputs (income, expenses, savings, debt, age, retirement goal). No subagents. Produces a compact terminal scorecard with savings rate, DTI ratio, emergency fund coverage, retirement on-track status, and top 3 priority actions in under 40 lines.

日本語の概要は準備中です。原文の説明を表示しています。

Investment portfolio analyzer. Audits current allocation vs target, asset class diversification (stocks, bonds, real estate, alternatives), expense ratios, tax efficiency, rebalancing needs, factor tilts (value, momentum, quality), three-fund portfolio fit, target-date fund analysis, and Boglehead-style optimization. Produces FINANCE-PORTFOLIO.md with a portfolio score, specific rebalancing trades, and fund swap recommendations.

日本語の概要は準備中です。原文の説明を表示しています。

Financial goal planner. Takes any goal (house down payment, college fund, wedding, sabbatical, business launch, car, vacation) and builds the required savings amount, monthly contribution, timeline, investment vehicle recommendation, milestone checkpoints, and adjustment scenarios. Supports multiple simultaneous goals with prioritization logic. Produces FINANCE-GOALS.md.

日本語の概要は準備中です。原文の説明を表示しています。

Emergency fund analyzer. Calculates the right emergency fund size based on job stability, family structure, fixed expenses, dependents, and employee vs. business-owner status. Recommends where to keep it (HYSA, money market, T-bills, I-Bonds), how fast to build it, what counts as a true emergency, and how to replenish after use. Produces FINANCE-EMERGENCY.md.

日本語の概要は準備中です。原文の説明を表示しています。

FIRE (Financial Independence Retire Early) calculator covering Lean FIRE, Fat FIRE, Coast FIRE, and Barista FIRE. Calculates FI number, years to FIRE based on savings rate, geographic arbitrage opportunities, sequence of returns risk, and withdrawal strategies (4% rule, dynamic withdrawal, guard rails). Use when the user says "/finance fire", "financial independence", "retire early", "FI number", "Coast FIRE", or any early retirement question.

日本語の概要は準備中です。原文の説明を表示しています。

Debt payoff strategy generator. Compares avalanche (highest interest first) vs snowball (smallest balance first) methods, calculates payoff timelines and total interest saved, and recommends optimal payment allocation across multiple debts. Includes credit card consolidation and refinancing analysis. Use when the user says "/finance debt", "pay off my debt", "snowball or avalanche", "consolidation", or asks for any debt strategy.

日本語の概要は準備中です。原文の説明を表示しています。

Tax optimization strategies analyzer. Identifies high-impact tax savings across tax-loss harvesting, tax-advantaged accounts (401k, IRA, HSA), Roth conversions, backdoor and mega backdoor Roth, charitable giving, business deductions, capital gains harvesting, state tax minimization, and estate tax planning. Produces FINANCE-TAXES.md with prioritized strategies and estimated annual tax savings.

日本語の概要は準備中です。原文の説明を表示しています。

Net worth tracker and milestone planner. Calculates current net worth, projects future net worth at retirement, tracks milestones ($100K, $250K, $500K, $1M, $5M, $10M), benchmarks against age-based wealth targets and percentile rankings, and applies the Millionaire Next Door formula. Identifies the user's current wealth accumulation phase and the next action that moves the needle. Produces FINANCE-NETWORTH.md.

日本語の概要は準備中です。原文の説明を表示しています。

Side-by-side comparison of two financial scenarios (buy vs rent, new job vs stay, payoff house vs invest, Roth vs Traditional, lease vs buy car, etc). Projects each scenario over 10 years, compares total cost, opportunity cost, risk profile, and produces a structured recommendation. Output saved as FINANCE-COMPARE.md.

日本語の概要は準備中です。原文の説明を表示しています。

Design digital insurance strategies. TRIGGERS - Use when user needs help with insurance-digital-strategy related tasks.

日本語の概要は準備中です。原文の説明を表示しています。

Review business insurance coverage for adequacy. TRIGGERS - Use when user needs help with insurance-review related tasks.

日本語の概要は準備中です。原文の説明を表示しています。

Insurance policy analysis, claims evaluation, coverage assessment, and risk management for individuals and businesses

日本語の概要は準備中です。原文の説明を表示しています。

帮助保险代理人将pdf、Excel、Word、PPT等各类客户资料转化为个人客户信息资料库，方便小龙虾调用和使用，回答下列问题："帮我为下个月生日的客户撰写个性化的生日祝福"、"帮我为每个保单客户撰写一份个性化的理财活动邀约"，等等。

日本語の概要は準備中です。原文の説明を表示しています。

Expert consultant in IFRS 17 standard for insurance contracts, skilled in CSM calculation, GMM, PAA, and VFA models.

日本語の概要は準備中です。原文の説明を表示しています。

Licensed insurance agent with 10+ years specializing in personal and commercial insurance. Conducts needs analysis, compares policies, advises on coverage, and advocates for clients during claims. Use when: insurance-agent, buy-life-insurance, umbrella-policy, coverage-gap-analysis, auto-insurance-quote, homeowners-insurance, business-insurance, term-vs-whole-life.

日本語の概要は準備中です。原文の説明を表示しています。

EU Insurance Adviser specializing in IDD compliance for life, health, property, and insurance-based investment products (IBIPs). Advises on insurance needs analysis across member states, explains policy types (term life, whole life, unit-linked, endowment), navigates professional requirements (knowledge, competence, good repute), implements product oversight and governance, manages conflicts of interest and inducements, coordinates cross-border insurance contracts, and ensures National Competent Authority registration. Use for insurance distribution, IBIP suitability assessments, or IDD compliance implementation.

日本語の概要は準備中です。原文の説明を表示しています。

Страховой агрегатор: архитектура, калькуляторы, адаптеры СК, CRM, лояльность, реферальная программа. Обучен на InsSmart, Sravni Labs, Polis.Online, Pampadu. Use when: страхование, ОСАГО, КАСКО, ВЗР, ипотечное, агрегатор, калькулятор, котировки, страховой агент, полис, СК, комиссия.

日本語の概要は準備中です。原文の説明を表示しています。

Vietnam-specific HR guidance covering the Labor Code, Social Insurance Law, personal income tax registration, work permits for foreign workers, trade union obligations, and cultural norms for managing teams in Vietnam. Use when you need to navigate Vietnam employment law, onboard foreign staff, handle disciplinary procedures under Vietnamese law, or adapt global HR practices for the Vietnam market.

日本語の概要は準備中です。原文の説明を表示しています。

Performs contract-driven compliance review of insurance certificates and endorsements against CRE/site-access and vendor agreement requirements. Produces pass/fail/conditional determinations, deficit lists, and broker-ready remediation instructions. Use when reviewing COI packets, ACORD 25 forms, or endorsements for additional insured, primary and non-contributory, waiver of subrogation, completed operations, umbrella alignment, limits adequacy, or insurer rating compliance. Trigger terms: COI, ACORD, additional insured, certificate holder, cancellation notice.

日本語の概要は準備中です。原文の説明を表示しています。

Analyze, draft, and review Insurance clauses for Construction contracts. Use when the user mentions insurance clause, coverage requirements, construction insurance, or asks to review, redline, or generate this clause type. Returns structured risk assessment, plain-language summary, and suggested alternative language.

日本語の概要は準備中です。原文の説明を表示しています。

Guide creation of new industry use cases for the Adobe Experience Platform blueprints repository. Use this skill when adding a new use case to an industry vertical (retail, automotive, healthcare, financial services, insurance, media & entertainment, telecommunications, travel & hospitality, B2B), when the user wants to add business scenarios to industry pages, or when updating the use case catalog. Handles the full workflow: gathering use case details, assessing maturity level, generating content, updating the industry overview page and use case catalog, and invoking the use-case-icon-generator skill for icon creation.

日本語の概要は準備中です。原文の説明を表示しています。

专业的保险规划(Insurance)顾问助手，帮助您选择合适的保险方案。当用户询问以下问题时使用：(1) 金融产品选择 (2) 账户开设和管理 (3) 投资理财建议 (4) 税务规划 (5) 常见问题解答

日本語の概要は準備中です。原文の説明を表示しています。

Personal finance skill suite for a mid-20s dual-income couple in Ho Chi Minh City. Covers budgeting, emergency fund building, investments, insurance, tax optimization, goal planning, and couple dynamics — all calibrated to Vietnam's financial ecosystem. Use when the user asks about budgeting, saving, investing, insurance, taxes, or financial goal planning — trigger phrases include "review our budget", "how should we invest", "do we have enough insurance", and "plan for a home purchase". Use even if the user only mentions one financial topic without asking for a full review.

日本語の概要は準備中です。原文の説明を表示しています。