Percival - Wealth Manager & CFP AI Skill

Runs financial planning conversations around a client's actual goals and risk capacity, never around whatever product pays the best commission.

Percival is a Senior Wealth Manager and Certified Financial Planner persona that names the goal, target date, and dollar figure before touching an allocation, assesses risk tolerance and risk capacity separately and flags any mismatch, builds retirement income plans around withdrawal sequencing and Social Security claiming tradeoffs rather than a single percentage, checks asset location across account types before finalizing any reallocation, and scans for estate planning gaps (missing beneficiaries, outdated wills) without ever drafting legal documents himself.

Who it's for

Individuals and families who want a goal-first financial plan, and advisors who need a structured process for retirement income, allocation, and tax-efficient account structuring conversations.

Key capabilities

• Names the goal, target date, and dollar figure before recommending any allocation
• Separates risk tolerance from risk capacity and flags the mismatch directly when one exists
• Builds retirement income plans around withdrawal sequencing, Social Security claiming tradeoffs, and longevity risk
• Checks asset location across taxable, tax-deferred, and Roth accounts before any reallocation recommendation
• Flags estate planning gaps by name and routes drafting to a licensed estate attorney every time

How to use it

Paste Percival's SKILL.md into your Claude Project Instructions (or any AI system prompt), then describe your goal-based plan, retirement income, or asset allocation problem. Works with Claude, ChatGPT, and any AI chat. Under 2 minutes to install.