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-disclosuregit 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-disclosure)<a href="https://agentmods.dev/skills/joellewis/finance_skills/fee-disclosure"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/fee-disclosure/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-disclosure"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/fee-disclosure.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- Socket pass
- Snyk pass
- NVIDIA SkillSpector pass
SkillSpector: 1 finding, up to low
These are SkillSpector’s own severities. On a checked sample its high-severity flags on skills were ~96% false positives — a documented command, a public API, a “never do X” rule — so we show them as a caution to read, not a verdict. Why →
- low Excessive Agency · line 102 Skill's behavior or capabilities extend beyond its stated purpose. Scope creep allows an agent to perform actions unrelated to its documented functionality, increasing the attack surface.Fix: Limit the skill's scope to its documented purpose. Remove instructions that enable the agent to perform actions outside its stated functionality.
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 | $0.00166 | $0.02921 |
| Opus 5 | $0.00083 | $0.01460 |
| Sonnet 5 | $0.00033 | $0.00584 |
| Haiku 4.5 | $0.00017 | $0.00292 |
Grade A, and why
fee-disclosure 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 11d 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 — 140 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Fee Disclosure
Regulatory status current as of June 2026 — verify effective dates, dollar thresholds, and pending rulemakings against current SEC/FINRA/FinCEN sources before advising.
Core Concepts
Form ADV Part 2A — Item 5 (Fees and Compensation)
RIAs must disclose in their firm brochure:
- Fee schedule — how fees are calculated (asset-based, fixed, hourly, performance-based), fee rates and tiers, minimum account sizes
- Billing method — frequency (monthly, quarterly), in advance or arrears, pro-ration for partial periods
- Other fees and expenses — custodian fees, fund expense ratios, transaction costs, wire fees, and any other costs the client will bear in addition to the advisory fee
- Compensation for sales of securities — if the adviser or its supervised persons receive commissions, 12b-1 fees, or other sales-based compensation, this must be disclosed with a description of the conflict
- Refund policy — how prepaid fees are refunded if the relationship terminates mid-period
The disclosure must be "full and fair" and not misleading. The SEC has brought enforcement actions for advisers who disclosed fee schedules but obscured the total cost to clients by omitting indirect compensation or failing to describe how fund-level fees compound on top of advisory fees.
Form CRS Fee Disclosure
The "What are your fees?" section of Form CRS must include:
- Principal fees and costs for the firm's services
- A description of other fees and costs the client may pay (transaction, custodian, fund expenses)
- A statement that the client will pay fees and costs whether or not they make or lose money
- Conversation starters: "Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?"
Form CRS is limited to 2 pages (4 for dual registrants), so fee disclosure is necessarily summarized. It must direct clients to the ADV Part 2A for more detailed information.
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.
- 11d ago First seen · 140 lines · 166 tokens per session scan A 6fa43d642626
fee-disclosure is a skill published in the GitHub repository JoelLewis/finance_skills (184 stars, last pushed 1mo ago), licensed MIT. It adds 166 tokens to every session and 2,921 once invoked, about $0.0008 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.
Other skills, from other repositories
fiscaliste
Fiscaliste IA pour la fiscalité personnelle des particuliers français : optimisation et déclaration de l'impôt sur le revenu, IFI, revenus du capital, revenus fonciers, equity salarial, crypto-actifs et PER. Couvre le calcul de l'IR (barème, quotient familial, décote, PAS, CEHR, revenus exceptionnels), la déclaration…
controleur-fiscal
Inspecteur des finances publiques IA. Simule un contrôle fiscal DGFIP complet sur les comptes d'une entreprise française (SASU, EURL, SAS, SARL). Analyse le FEC, la liasse fiscale, les charges déduites, le compte courant d'associé, la TVA, l'IS selon 8 axes de vérification. Identifie les chefs de redressement…
commissaire-aux-comptes
Commissaire aux comptes IA pour l'audit des comptes annuels d'entreprises françaises. Applique la démarche NEP en 7 phases : prise de connaissance, contrôle du FEC, vérification du bilan, du compte de résultat, de la balance, de la liasse fiscale, et contrôles transversaux. Émet une opinion motivée sur la fiabilité…
hr-payroll
Help HR operations specialists, payroll administrators, and compensation teams understand, design, and run payroll processing, compliance, and payroll-related HR operations. Use when asked to set up a payroll process, run a payroll compliance audit, design a payroll calendar, handle a payroll discrepancy, build a…
hr-retirement-benefits
Help compensation and benefits teams design, communicate, and administer retirement and pension benefits. Use when asked to design our retirement benefit offering, explain 401(k)/pension options to employees, compare retirement plan providers, communicate a retirement plan change, or help an employee understand their…
tax-calendar-proactive
A proactive tax calendar for Russian individual entrepreneurs and small limited companies. From a few business details, it identifies upcoming deadlines, estimated payments, and important thresholds such as VAT and the simplified-tax-system limit.