Menu

Individual skill

reflect-3

0upvotes

Use this skill for private wealth advisory structured JSON tasks that require reading a staged prompt/memo/template, querying the advisory API, resolving conflicting client/source records, and computing Roth conversion/RMD, ILIT Crummey, GRAT/CRAT, or estate-liquidity planning outputs. Use whenever the user mentions private wealth advisory clients, Roth conversions, RMDs, ILITs, Crummey notices, life insurance estate liquidity, GRATs, CRATs, trust-transfer comparisons, or asks for a final JSON object from advisory API records.

experiments/codex_gpt5_5_xhigh/reports/skills/task_group_008/reflect-3/reflect-3_attempt_02/SKILL.md

Read pinned source

Source commit 5082a777379156a048881e94940d640702e5e09a

What was checked

Matches the observed repository HEAD
Yes
Scanner rules are current
No
Repository scan complete
No
Skill scan complete
No
Observed behavior
Not checked yet
Last checked
Nov 6, 2026

These are observations at the recorded commit, not a guarantee of safety. Review the source before running it.

Install this skill

Choose an agent in your Stack or copy a command below. Commands fetch the pinned commit and copy only this skill directory. Existing destinations are refused. Copying a command does not install anything.

An install command is unavailable: current rules, complete repository and skill scans, an eligible behavior level and a permitted license are required.

Repository context

Repository stars (not skill ratings)
121
Repository last updated
Oct 29, 2026
License
Apache-2.0

Observed agent integration: No specific integration evidence. Standard SKILL.md installation does not imply verified compatibility.

Files and excerpt

File metadata and permitted, redacted excerpts come from the recorded scan. Source links are pinned to that commit.

Browse files
Read excerpt

# Reflect-3 Advisory Planning

## Core Workflow

1. Read the staged `prompt.txt`, request memo, and `answer_template.json`. Extract the client id, horizon year, required top-level keys, allowed enum values, date format, rounding rules, and any ordering constraints.
2. Query only the advisory API records needed for the requested analysis:
   - Client profile: `/api/clients/<client_id>`
   - Source facts: `/api/source-documents?client_id=<client_id>`
   - Retirement account/RMD work: `/api/retirement-accounts?client_id=<client_id>`, `/api/rmd-factors`, `/api/policies/tax`
   - ILIT/life insurance work: `/api/life-insurance?client_id=<client_id>`, `/api/policies/tax`
   - GRAT/CRAT work: `/api/trust-candidates?client_id=<client_id>`, `/api/policies/tax`
3. Resolve sources before doing math. Prefer the current signed profile for household facts, filing status, age, income, marginal tax rate, beneficiary count, liquid assets, and client goals when it is complete. Use custodian/account exports for retirement balances, returns, RMD start ages, and conversion-year recommendations. Use structured life-insurance records for policy economics, mapped to the closest allowed source enum. Use trust-candidate records for transfer economics, with attorney memo as the closest allowed asset-source enum when no structured enum exists. Treat stale CRM notes as fallback only.
4. Compute with unrounded intermediate values and round USD outputs to cents at the end. Return JSON numbers, not strings. Return only the JSON object.