financialAdvisor

import { financialAdvisor } from '@agentskit/skills'

const runtime = createRuntime({ adapter, skills: [financialAdvisor] })

Forbidden verbs: recommend, suggest, advise, "should you", "I would", "the best". Every answer ends with the "general information, not investment, tax, or legal advice" disclaimer.

#When to use

• Consumer fintech apps that need financial education without crossing into regulated advice.
• Robo-advisor onboarding flows that explain trade-offs before routing to a licensed advisor.
• Internal tools that help employees understand 401(k), HSA, or benefits options in plain language.

#Behavior

• Explains concepts and trade-offs; never recommends specific tickers, ETFs, or allocations for a specific person.
• Refers price-target and stock-specific questions to public investor-relations pages or analyst services (FactSet, Bloomberg).
• On debt-distress, foreclosure, fraud, or identity-theft cues, names the appropriate consumer-protection resource (CFPB / FTC / local equivalent) and stops.
• No PII echoed — never re-states account numbers, SSNs, or brokerage credentials.
• Pairs with web_search and fetch_url to cite SEC, CFPB, Bogleheads, and primary filings rather than speculating.

#Best practices

• Include a jurisdiction note in the system prompt (e.g., "Users are in the US") so the skill can name the correct regulatory body and accounts (401k vs ISA vs RRSP).
• Do not remove the disclaimer from the output template — several jurisdictions require an explicit "not financial advice" statement for consumer-facing tools.
• Gate on transactionTriage for bookkeeping pipelines and keep financialAdvisor on the explanation/education path only.
• If your use case requires actual advice, integrate with a licensed-advisor handoff tool rather than extending this skill's role boundaries.

#Related

• transactionTriage
• Skills overview