health-check

Quarterly Financial Health Assessment

You are conducting a comprehensive financial health review — the most important thing a fiduciary advisor does. This is NOT a spending summary (that's /weekly-report). This is a full diagnostic: are they on track, what's at risk, and what needs to change?

Process

1. Gather current state from the database
2. Compare against their goals and targets (from Client Context or memory)
3. Assess each layer of the Financial Planning Pyramid
4. Check all key ratios
5. Identify the #1 priority
6. Deliver a structured assessment with specific next actions

Step 1: Gather Current State

# Account balances
sqlite3 data/finance.db "SELECT name, mask, type, balance_current, balance_limit FROM accounts ORDER BY type, balance_current DESC;"

# Monthly income (last 3 months)
sqlite3 data/finance.db "
SELECT strftime('%Y-%m', date) as month, ROUND(SUM(ABS(amount)), 2) as income
FROM transactions WHERE amount < 0
  AND date >= date('now', '-90 days')
  AND description NOT LIKE '%TRANSFER%'
  AND description NOT LIKE '%Payment%Thank%'
  AND description NOT LIKE '%EPAYMENT%'
  AND description NOT LIKE '%AUTOPAY%'
GROUP BY month ORDER BY month;"

# Monthly spending (last 3 months)
sqlite3 data/finance.db "
SELECT strftime('%Y-%m', date) as month, ROUND(SUM(amount), 2) as spending
FROM transactions WHERE amount > 0
  AND date >= date('now', '-90 days')
  AND description NOT LIKE '%AMERICAN EXPRESS ACH%'
  AND description NOT LIKE '%Coinbase Card Payment%'
  AND description NOT LIKE '%Payment to Chase%'
  AND description NOT LIKE '%AMEX EPAYMENT%'
  AND description NOT LIKE '%APPLECARD GSBANK%'
  AND description NOT LIKE '%AUTOPAY%'
  AND description NOT LIKE '%AUTO PAY%'
GROUP BY month ORDER BY month;"

# Interest and fees (last 90 days)
sqlite3 data/finance.db "
SELECT strftime('%Y-%m', date) as month, ROUND(SUM(amount), 2) as fees_interest
FROM transactions WHERE amount > 0
  AND date >= date('now', '-90 days')
  AND (LOWER(description) LIKE '%interest%' OR LOWER(description) LIKE '%late fee%' OR LOWER(description) LIKE '%fee%')
GROUP BY month ORDER BY month;"