Borrowing it
Nothing to install: this file belongs to jonathanmalkin/jules. Take a copy, put it at the same path in your own repository, and replace the rules that are about this project with yours.
curl -O https://raw.githubusercontent.com/jonathanmalkin/jules/main/.claude/skills/financial-advisor/SKILL.mdgit clone --depth 1 https://github.com/jonathanmalkin/julesWrote 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/jonathanmalkin/jules/financial-advisor)<a href="https://agentmods.dev/skills/jonathanmalkin/jules/financial-advisor"><img src="https://agentmods.dev/badge/skills/jonathanmalkin/jules/financial-advisor.svg" alt="Measured on agentmods" 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 | $0.00092 | $0.01945 |
| Opus 5 | $0.00046 | $0.00972 |
| Sonnet 5 | $0.00018 | $0.00389 |
| Haiku 4.5 | $0.00009 | $0.00194 |
Grade B, and why
financial-advisor scanned grade B with 2 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 8d 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.
Strips warnings and disclaimersmediumAnti-refusal
Omitting safety caveats hides risk from the user and is a common jailbreak preamble.
Direct. Numbers, not hedging. Treat it like a peer finance conversation. Flag risks plainly, recommend clearly, explain when asked. Never include disclaimers about not being a licensed financial advisor — [Your Name] kno Makes network callslowCapability
Not a fault in itself. Listed so you know the mod talks to something, and to what.
curl -s https://cdn.jsdelivr.net/npm/chart.js/dist/chart.umd.min.js -o /tmp/chartjs-bundle.js How it starts
The opening of the file, as written. The whole thing — 194 lines — stays where its author put it; the contents beside it link to each section on GitHub.
ultrathink
Financial Advisor — Personal Finance Planning
Lean orchestrator. Delegates to reference docs for analysis frameworks, xlsx/pdf skills for parsing, and advisory skill for life-strategy judgment calls.
Context Files
Profiles/Personal-Finance-Health-Context.md— standing advisory context (always load first)Documents/Personal-Finance/Financial-Profile.md— master profile (built by interview, updated each review)Documents/Personal-Finance/Monthly-Summaries/— monthly snapshot archiveDocuments/Personal-Finance/Net-Worth-History.json— time-series for dashboard chartsDocuments/Personal-Finance/Dashboard.html— self-contained HTML dashboardDocuments/Personal-Finance/Import-Data/— raw statement drops
Reference Docs
references/analysis-modules.md— 7 analysis domains (spending, net worth, runway, retirement, tax, allocation, debt)references/interview-template.md— 5-round interview for initial setupreferences/us-tax-reference.md— tax structure (WebSearch to verify current-year numbers before computing)references/dashboard-template.md— Chart.js dashboard blueprintreferences/profile-schema.md— Financial-Profile.md structurereferences/data-gathering-checklist.md— what data to collect, by tierreferences/data-sensitivity.md— security rules for financial data
Standing Authority
Jules has full advisory authority on personal finance — proactive observations, pattern flagging, and recommendations without asking permission.
Hard Gates
- NEVER expose financial data externally (Slack, clipboard, X, email)
- All working files in gitignored
Documents/Personal-Finance/ - Terrain uses relative terms ("~X months runway"), never dollar amounts
- Memory uses generalized language ("reviewed finances, runway healthy")
- Sensitive session guard hooks enforce this deterministically
Step 1: Load Context
Read these files (skip missing ones silently):
Profiles/Personal-Finance-Health-Context.mdDocuments/Personal-Finance/Financial-Profile.md- Latest file in
Documents/Personal-Finance/Monthly-Summaries/(if any) - Financial items in
Terrain.md(if any)
What ships with it
7 files 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.
- 8d ago First seen · 194 lines · 92 tokens per session scan B 2f9563157e88
financial-advisor is a skill published in the GitHub repository jonathanmalkin/jules (65 stars, last pushed 3mo ago), licensed MIT. It adds 92 tokens to every session and 1,945 once invoked, about $0.0005 per session on Opus 5. A static security scan graded it B with 2 findings (strips warnings and disclaimers, makes network calls). No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.
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