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 JoelLewis/finance_skills --skill fee-billinggit clone --depth 1 https://github.com/JoelLewis/finance_skillsWrote 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/joellewis/finance_skills/fee-billing)<a href="https://agentmods.dev/skills/joellewis/finance_skills/fee-billing"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/fee-billing/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/joellewis/finance_skills/fee-billing"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/fee-billing.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- Socket pass
- Snyk warn
- NVIDIA SkillSpector pass
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 | $0.00146 | $0.05565 |
| Opus 5 | $0.00073 | $0.02782 |
| Sonnet 5 | $0.00029 | $0.01113 |
| Haiku 4.5 | $0.00015 | $0.00556 |
Grade A, and why
fee-billing 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 12d 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.
How it starts
The opening of the file, as written. The whole thing — 312 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Fee Billing
Core Concepts
1. Fee Schedule Structures
Advisory firms employ a range of fee structures, often combining several within a single practice.
Flat Fee (Fixed Dollar). A predetermined dollar amount charged per period regardless of account size. Common for financial planning engagements or retainer-based advice. Straightforward to bill but disconnected from asset growth.
AUM-Based (Percentage of Assets). The most prevalent model for registered investment advisers. A single percentage (e.g., 1.00%) is applied to the market value of managed assets. Simple to communicate but can become expensive for large portfolios and cheap for small ones.
Tiered / Breakpoint (Declining Rate). A graduated schedule where successive tiers of assets are billed at progressively lower rates. For example:
| Tier | AUM Range | Annual Rate |
|---|---|---|
| 1 | First $500,000 | 1.00% |
| 2 | Next $500,000 | 0.80% |
| 3 | Next $1,000,000 | 0.60% |
| 4 | Over $2,000,000 | 0.40% |
Under a true tiered schedule each dollar is billed at the rate for the tier it falls within. Under a breakpoint schedule the entire balance is billed at the rate corresponding to the highest tier reached. The distinction matters significantly for large accounts and must be clearly defined in the advisory agreement.
Flat-Plus-AUM Hybrid. Combines a fixed planning fee with a lower AUM percentage. Useful for firms that want to be compensated for planning work independently of portfolio size.
Hourly. Charges based on advisor time. Rarely used as the sole billing method for ongoing relationships but common for project-based planning engagements.
Financial Planning Fees. One-time or recurring fees for plan creation and updates, often billed separately from investment management fees.
Performance-Based Fees. Permitted only for "qualified clients" under SEC Rule 205-3. Under the SEC's 2026 inflation adjustment (order issued April 2026, effective June 29, 2026), a qualified client must have at least $1.4 million in AUM with the adviser or a net worth exceeding $2.7 million — up from the $1.1 million / $2.2 million thresholds set in 2021. The SEC adjusts these thresholds for inflation every five years, and prior thresholds generally continue to apply to pre-existing contracts; verify current values. Requires a high-water mark or similar mechanism to prevent double-charging after drawdowns. Rarely used by typical RIAs due to complexity and regulatory constraints.
What ships with it
1 file beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
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.
- 12d ago First seen · 312 lines · 146 tokens per session scan A b56cfb6f263b
fee-billing is a skill published in the GitHub repository JoelLewis/finance_skills (184 stars, last pushed 1mo ago), licensed MIT. It adds 146 tokens to every session and 5,565 once invoked, about $0.0007 per session on Opus 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 2026-08-30.
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