策划、销售、财务、法务、项目管理（4187 个）
Reserved-field rules and field-number lookup for evolving AppSettings, plus the Rust/Kotlin diagnostics wire contract. Use before assigning or removing a proto field. DataStore mapping: protobuf-datastore.
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Reference for the diagnostics pipeline (ripdpi-monitor-engine/ripdpi-diagnostics-* and core/diagnostics). Use when changing ScanRequest/ScanReport, ProbeTask families, probe scheduling, the catalog, or the wire contract. Techniques: desync-engine.
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Explicit request only -- never invoke implicitly, never expose signing secrets. Prepares and publishes one exact-SHA RIPDPI release via the release contract. Use when asked to prepare or publish a version.
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RIPDPI Appium launch-contract reference: start routes and permission/service/data presets. Use when a test launches to the wrong screen or a new automation route is added. General flakiness: appium-test-debug.
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Conservative review of end-user legal exposure from diagnostics targets and probe hosts, by jurisdiction. Use when shipping or editing diagnostics target lists, probe hosts, or bootstrap endpoints.
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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.
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Spending analysis and custom budget builder. Analyzes spending patterns using 50/30/20 rule, zero-based budgeting, or envelope method. Categorizes expenses, identifies waste, suggests cuts, and produces a 12-month budget. Use when the user says "/finance budget", "build me a budget", "analyze my spending", "where is my money going", or asks about expense optimization.
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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.
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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.
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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.
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Flagship orchestrator that launches 5 parallel agents (cashflow, debt, investments, retirement, protection) to produce a comprehensive financial health analysis with a composite Financial Health Score (0-100), letter grade (A+ through F), and a prioritized 90-day action plan. Use when the user says "/finance analyze", "full financial analysis", "financial health check", "analyze my finances", or any request for a complete financial picture.
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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.
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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.
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Investment screener with pre-built strategies (Dividend Growth, 3-Fund Index, Bond Allocation, REITs, International Diversification, ESG) and custom criteria support. Returns curated ticker lists, allocation models, expected returns, expense ratios, and a recommended portfolio with rebalancing notes. Output saved as FINANCE-SCREEN.md.
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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.
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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.
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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.
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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.
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Review business insurance coverage for adequacy. TRIGGERS - Use when user needs help with insurance-review related tasks.
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Design digital insurance strategies. TRIGGERS - Use when user needs help with insurance-digital-strategy related tasks.
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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.
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Insurance policy analysis, claims evaluation, coverage assessment, and risk management for individuals and businesses
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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.
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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.
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