---

name: wealth-management description: Financial accounts, transactions, net worth tracking, tax profiles, income, and expenses. Use when working with the core financial data management features.

Wealth Management Skill

Overview

LifeOS provides comprehensive wealth tracking with multi-currency support, tax modeling, income/expense management, and net worth calculations.

Core Requirements

Account Types

checking, savings, credit, investment, loan, property, crypto

Account Properties

• Name, Type, Currency (ISO code)
• Balance (negative for credit/loans)
• InterestRate, Institution, IsActive

Transaction Properties

• AccountId, Amount (negative=debit)
• Category, Description, Date
• Type: income, expense, transfer

Tax Profile

• Name, Brackets [{threshold, rate}]
• CapitalGainsRate, StandardDeduction

Income Sources

• Name, Type (salary, bonus, rental, dividend, freelance)
• Amount, Frequency, TaxRate, StartDate/EndDate

Expense Definitions

• Name, Category, Amount
• Type: fixed or percentage (of income)
• IsRecurring, StartDate/EndDate

API Endpoints

Method	Endpoint	Purpose
GET	/api/accounts	List accounts
POST	/api/accounts	Create account
GET	/api/transactions	List transactions
POST	/api/transactions	Create transaction
GET	/api/fx-rates	Exchange rates (CoinGecko)
GET	/api/tax-profiles	Tax profiles
GET	/api/income-sources	Income sources
GET	/api/expense-definitions	Expenses

User Flows

Add Account

1. Navigate to /wealth → "Add Account"
2. Fill: name, type, balance, currency
3. Save

Record Transaction

1. Navigate to account or transactions
2. Enter amount, category, date
3. Save → Net worth recalculates

View Net Worth

• Dashboard/Wealth shows chart
• Select period (1M, 1Y, 10Y, ALL)
• Hover for values

Net Worth Calculation

Net Worth = Σ(Accounts + Property + Investments)
          - Σ(Credit + Loans)
          [All converted to home currency]

Multi-Currency Support

• Home currency set in settings
• FX rates from CoinGecko (cached)
• Supported: USD, EUR, GBP, ZAR, AUD, CAD, CHF, JPY, CNY, INR, BTC, ETH, etc.

Testing (Playwright MCP)

• Test add account modal
• Test transaction recording
• Verify net worth chart renders
• Test currency selector

Design Doc References

• Architecture: .gaia/designs/architecture.md - Wealth architecture

When to Invoke

Use when: account types, transactions, taxes, income/expenses, currency conversion, net worth.