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 investment-suitabilitygit 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/investment-suitability)<a href="https://agentmods.dev/skills/joellewis/finance_skills/investment-suitability"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/investment-suitability/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/investment-suitability"><img src="https://agentmods.dev/badge/skills/joellewis/finance_skills/investment-suitability.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- Socket pass
- Snyk pass
- NVIDIA SkillSpector warn
SkillSpector: 2 findings, up to medium
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 →
- medium Excessive Agency · line 56 Skill enables autonomous high-impact decisions without human-in-the-loop verification. Critical operations (destructive commands, financial transactions, data deletion) should require explicit user confirmation.Fix: Add human-in-the-loop confirmation for destructive, irreversible, or high-impact operations. Never auto-execute commands that modify files, send data, or alter system state.
- low Excessive Agency · line 21 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 | $0.00153 | $0.02861 |
| Opus 5 | $0.00077 | $0.01430 |
| Sonnet 5 | $0.00031 | $0.00572 |
| Haiku 4.5 | $0.00015 | $0.00286 |
Grade A, and why
investment-suitability 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 13d 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 — 115 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Investment Suitability
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
FINRA Rule 2111 — Suitability
The foundational rule requiring that a broker-dealer or associated person have a reasonable basis for believing a recommendation is suitable for the customer. Applies to recommendations of securities and investment strategies involving securities, including recommendations to hold. Three distinct obligations arise from Rule 2111:
Three Suitability Obligations
1. Reasonable-Basis Suitability (Rule 2111.05(a)) The firm or associated person must perform reasonable diligence to understand the nature of the recommended security or strategy, including its risks, rewards, and features. This is a product-level obligation — the representative must understand what they are recommending before recommending it to anyone. A representative who does not understand a complex product cannot satisfy reasonable-basis suitability regardless of how well it might fit a particular customer.
2. Customer-Specific Suitability (Rule 2111.05(b)) The recommendation must be suitable for the particular customer based on that customer's investment profile. The investment profile includes, but is not limited to: age, other investments, financial situation and needs, tax status, investment objectives, investment experience, investment time horizon, liquidity needs, risk tolerance, and any other information the customer discloses.
3. Quantitative Suitability (Rule 2111.05(c)) The firm or associated person must have a reasonable basis for believing that a series of recommended transactions, even if each is individually suitable, is not excessive and unsuitable when taken together in light of the customer's investment profile. The former requirement that the broker have "actual or de facto control" over the account was removed by FINRA's 2020 amendments to Rule 2111 (Regulatory Notice 20-18; SR-FINRA-2020-007, effective June 30, 2020), aligning the obligation with Reg BI's Care Obligation — quantitative suitability now turns on the recommendations alone, without any control element. Key metrics: turnover ratio (annualized), cost-to-equity ratio, and use of in-and-out trading patterns. Generally, turnover ratios above 6 and cost-to-equity ratios above 20% raise presumptive concerns.
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.
- 13d ago First seen · 115 lines · 153 tokens per session scan A d713f84cbafa
investment-suitability is a skill published in the GitHub repository JoelLewis/finance_skills (184 stars, last pushed 1mo ago), licensed MIT. It adds 153 tokens to every session and 2,861 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.
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