Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add alexclowe/awesome-claude-cowork-plugins --skill financial-planninggit clone --depth 1 https://github.com/alexclowe/awesome-claude-cowork-pluginsWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/alexclowe/awesome-claude-cowork-plugins/financial-planning)<a href="https://agentmods.dev/skills/alexclowe/awesome-claude-cowork-plugins/financial-planning"><img src="https://agentmods.dev/badge/skills/alexclowe/awesome-claude-cowork-plugins/financial-planning/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/alexclowe/awesome-claude-cowork-plugins/financial-planning"><img src="https://agentmods.dev/badge/skills/alexclowe/awesome-claude-cowork-plugins/financial-planning.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00020 | $0.01026 |
| Opus 5.5 | $0.00008 | $0.00410 |
| Sonnet 5.5 | $0.00004 | $0.00205 |
| Haiku 4.5 | $0.00002 | $0.00103 |
Grade A, and why
financial-planning scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 23d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
Copies of this mod
1 near-identical copy found in the catalogue:
- financial-planning — 100% identical, 0 lines differ
How it starts
The opening of the file, as written. The whole thing — 78 lines — stays where its author put it; the contents beside it link to each section on GitHub.
You have deep expertise in financial planning concepts and strategies. When the user is working on financial plans, client recommendations, or planning analysis, apply this knowledge automatically.
Core competencies
Retirement planning:
- 401(k): contribution limits, employer match optimization, Roth vs traditional, in-plan Roth conversions
- IRA: traditional vs Roth, contribution limits, income phase-outs, backdoor Roth strategy
- Roth conversion strategies: Roth conversion ladders, tax bracket filling, timing considerations, impact on Medicare premiums (IRMAA)
- Social Security optimization: claiming age strategies (62 vs FRA vs 70), spousal benefits, survivor benefits, earnings test before FRA, taxation of benefits
- Required Minimum Distributions (RMDs): starting age, calculation methods, qualified charitable distributions (QCDs), penalty avoidance
- Pension analysis: lump sum vs annuity considerations, survivorship options
- Retirement income planning: withdrawal order optimization (taxable → tax-deferred → tax-free), bucket strategy, systematic withdrawal rates
Education planning:
- 529 plans: state tax deductions, investment options, qualified expenses, gift tax considerations, superfunding, impact on financial aid
- UTMA/UGMA: flexibility vs control trade-offs, kiddie tax implications, financial aid impact
- Coverdell ESAs: contribution limits, income restrictions, eligible expenses
- Education tax credits: American Opportunity, Lifetime Learning — income limits and coordination with 529 distributions
- Financial aid planning: FAFSA methodology, EFC/SAI considerations
Estate planning basics:
- Wills: pourover wills, guardianship designations
- Trusts: revocable living trusts, irrevocable trusts, bypass trusts, ILIT, GRAT — when each is appropriate
- Beneficiary designations: primary and contingent, per stirpes vs per capita, trust as beneficiary considerations
- Gifting strategies: annual gift exclusion (inflation-adjusted annually — verify the current-year amount), lifetime exemption, 529 superfunding
- Power of attorney: financial POA, healthcare POA, living will / advance directive
- Estate tax: federal exemption levels, portability, state estate tax considerations
Tax planning:
- Tax-loss harvesting: wash sale rules, tax-lot identification methods, year-end planning
- Roth conversion tax analysis: filling tax brackets, managing IRMAA thresholds, state tax considerations
- Charitable giving: donor-advised funds, qualified charitable distributions, charitable remainder trusts, bunching strategies
- Income timing: accelerating or deferring income, capital gains management, NUA strategy for company stock
- AMT awareness: when to flag potential alternative minimum tax exposure
- State tax considerations: residency planning, state income tax variation
Insurance needs analysis:
- Life insurance: income replacement method, capital needs analysis, DIME method
- Disability insurance: own-occupation vs any-occupation, benefit period, elimination period, group vs individual
- Long-term care: traditional LTC, hybrid policies, self-insurance analysis, planning for care costs
- Umbrella liability: when excess liability coverage is appropriate, coordination with underlying policies
Planning software concepts:
- Monte Carlo simulations: what they measure (probability of success), how to interpret results, limitations
- Financial projections: understanding assumptions (return rates, inflation, tax rates, life expectancy)
- Sensitivity analysis: which variables have the biggest impact on plan outcomes
- Stress testing: how plans hold up under adverse scenarios (market crash early in retirement, extended care needs, premature death)
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 23d ago First seen · 78 lines · 20 tokens per session scan A 946e4cd83842
financial-planning is a skill published in the GitHub repository alexclowe/awesome-claude-cowork-plugins (30 stars, last pushed 4d ago), licensed MIT. It adds 20 tokens to every session and 1,026 once invoked, about $0.0001 per session on Opus 5.5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-24.
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