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# SKILL: Private Wealth Advisory Structured Outputs

Executable SOP for producing roth-conversion/RMD, ILIT-Crummey, GRAT-vs-CRAT, and
estate-liquidity action-plan JSON against the remote advisory API. The API exposes one
client plus CONFLICTING source documents (CRM note, attorney memo, custodian export,
signed profile, sometimes stale marketing intake). The core of every task is deciding
WHICH source controls each fact, then applying a fixed formula set.

## 0. Universal conventions
- USD amounts: round to cents (2 decimals). Use JSON numbers, not strings.
- Dates: ISO `YYYY-MM-DD`, calendar-day arithmetic.
- Years: integers (no quotes).
- Rounding rule: round each computed monetary field independently to 2 decimals at the
  END of its formula (do not round intermediates used inside a multi-step projection;
  round only the final summed/projected value you place in the JSON).
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