Build a Personal CFO System in Claude

Use the FMP connector for all data in this research. Confirm you're pulling live data before proceeding.

Company: [ticker or company name]

Give me a complete research brief covering:

Fundamentals - revenue and earnings trend over the last 5 years, margins, debt load, free cash flow, and how each compares to its closest competitors

Filings - anything material from the most recent 10-K/10-Q or equivalent: risk factors that changed, guidance shifts, anything management flagged as new

Insider activity - recent insider buying or selling, and whether it's a pattern or a one-off

Analyst view - current price targets and rating distribution, and where the range is widest (that's usually where the real disagreement is)

Competitive position - who they're actually competing with, and whether their position is gaining or losing ground based on the data, not narrative

Close with: the single strongest bull argument, the single strongest bear argument, and the one metric you'd watch next quarter to see which one is winning.

Use the FMP connector for every query in this chat, not web search or memory. Confirm you're connected before proceeding.

Here's my current portfolio: [paste your holdings, or attach portfolio.csv if you have one - ticker, shares/weighting, cost basis]

Pull live quotes and current data on every position. Then give me:
- Current value of the portfolio and overall performance since cost basis
- Sector/asset concentration - where I'm overweight without realizing it
- Any position with a notable recent move (price, earnings, analyst estimate changes) I should know about
- How the portfolio compares to a simple benchmark like [the S&P 500 / your relevant index]

Flag clearly which numbers came from FMP live data versus anything you had to estimate or infer.

Create a scheduled task in Claude that runs each morning. The task should use your current portfolio data and any invalidation conditions you have defined.

Run this portfolio report every morning using my current portfolio data and the FMP connector. Confirm that you are connected to FMP and use live market data rather than web search or memory.

My portfolio is here: [attach the portfolio file, identify the connected sheet, or paste the holdings]

My position invalidations are: [list the price, fundamental, earnings, guidance, thesis, or risk conditions that would invalidate each relevant position]

Review what changed during the last 24 hours and produce a concise daily market report covering:

1. Any material change in the fundamentals of a company I hold, including earnings, guidance, filings, analyst estimate changes, insider activity, debt, margins, or free cash flow.
2. Any position that reached or moved materially closer to one of my stated invalidation conditions.
3. Significant price or market events affecting my holdings that I need to be aware of.
4. Any suggested rebalancing supported by a real market event, a concentration change, or a change in the underlying fundamentals.

For every item, identify the affected position, explain what changed, and state whether the information comes from FMP live data or requires an estimate or inference.

Keep the report concise. If nothing material changed, say that clearly rather than filling the report with general market commentary.

Using the files in my context folder (profile.md, accounts.md, debts.md, spending.csv, goals.md), build me a single-page dashboard I can open and update over time.

Include:
- A net worth summary - total assets vs. total debts, trending over time
- An expense breakdown by category, pulled from spending.csv
- A debt payoff tracker - balances, rates, and progress toward payoff
- A goals section tied to goals.md, showing progress and target dates
- A "this month" summary - spend vs. plan, any rule breaches from strategy.md if I have one

Keep it clean and readable, not cluttered. Use real numbers from my files, not placeholder data. Tell me exactly how to update it going forward, whether that means re-running this prompt or editing the files directly.

I want to build a case for a salary negotiation. Here's my context: [role, company, location, years in role, current salary].

First, research current market rate for this role, level, and location using the most credible, recent sources you can find. Give me a realistic range, not just one number, and tell me which sources you're drawing from.

Then help me build a contribution log: ask me for specific wins from the last [12/18/24] months, things I shipped, revenue or cost impact, problems I solved that weren't my job, anything with a measurable outcome. Push me for numbers wherever I'm vague.

Once we have both, build the case:
- The market data, stated plainly
- My contributions, tied to specific business outcomes
- A specific target number and a walk-away number
- Anticipated pushback and how I'd respond to each one

Write it so I could actually say it out loud in the room, not so it reads like a formal document.

Go through my statements and pull every recurring charge: subscriptions, memberships, app renewals, anything that bills on a schedule.

For each one, give me: the name, the monthly cost, and how often I actually seem to use it based on related transactions or my own estimate if you can't tell from the data alone.

Then calculate cost per actual use for each one, and rank the full list from worst value to best.

Flag anything that:
- Renewed without a matching transaction suggesting I used it
- I'm paying for in more than one place (duplicate coverage)
- Has a cheaper annual option I'm missing by paying monthly

Give me the total monthly and annual cost of everything ranked in the bottom half of the list, so I can see exactly what's on the table before I cancel anything.

I want you to conduct a full financial audit using my real financial data.

I am providing:

- 6 to 12 months of bank and card statements
- Brokerage performance from the last few years
- My current income: [current income]
- The income I would like to reach: [desired income]
- My financial constraints: [constraints]
- My regular monthly expenses, including rent or mortgage, food, transport, debt payments, subscriptions, and other recurring costs
- My current financial goals: [goals]

Start by going through every transaction and categorizing it. Use housing, food, transport, subscriptions, debt payments, discretionary spending, and any additional categories required by the data.

For each category, calculate the real monthly total. If I have not estimated my spending by category, ask me to do that before showing the actual figures so we can compare my perception with reality.

Highlight:

- The three categories where my estimate was furthest from the real amount
- Categories that increased month over month
- Duplicate charges, forgotten subscriptions, or spending that conflicts with a stated goal
- My real monthly surplus or deficit after all expenses
- My current financial positioning based on income, expenditure, debt, assets, and brokerage performance

Then run projections showing how my position could grow if my current income, spending, saving, and investment patterns continue.

Include a compounding section using a 10% annual return assumption. Show what my current monthly investable amount could become after 20 years if invested in an index at that assumed rate. Then show the result if I invested an additional $1,000 per month over the same period. State the assumptions used in both calculations.

End with a specific action plan based on the real numbers and line items in my data. Do not give me generic advice such as “spend less.” Identify the exact categories, transactions, contribution changes, or financial gaps that create the greatest impact.

personal-finance/
  profile.md
  Context/
    accounts.md
    debts.md
    spending.csv
    goals.md
    strategy.md
    instructions.md
    memory.md

Help me build a portable personal finance context folder that I own and can use with Claude Code, Cowork, or another AI system.

Create and maintain this structure:

personal-finance/
  profile.md
  Context/
    accounts.md
    debts.md
    spending.csv
    goals.md
    strategy.md
    instructions.md
    memory.md

Set it up through a back-and-forth interview. Ask me one focused group of questions at a time and use my answers to populate the files.

The files must contain:

- profile.md: my income, dependents, financial goals, timeline, and risk tolerance
- accounts.md: every relevant account, what I hold, and where it is held
- debts.md: each balance, interest rate, and minimum payment
- spending.csv: my transaction history, including at least the last three months when available
- goals.md: what I am building toward, the amount required, and the target date
- strategy.md: my personal money rules, including saving rate, spending caps, and what should trigger a financial review
- instructions.md: instructions for using this folder as the source of truth for future financial analysis
- memory.md: important facts, decisions, preferences, and changes that should carry into future sessions

Use the financial data and outputs from my portfolio analysis, subscription review, full financial audit, and other finance work to update the relevant files.

Before writing information that is missing, ask me for it. Do not invent balances, transactions, goals, dates, rates, or preferences.

When the initial setup is complete, explain:

1. What was written to each file.
2. Which information is still missing.
3. How I should add new statements, transactions, account balances, goals, and decisions.
4. How to update memory.md as my situation changes.
5. How to use this folder with another AI system without losing the context.