well, first off, i've paid off a lot of that credit card debt. i should have it all paid off within two months. second, it's going to take time for us to build a really amazing finance solution for me, and i want to start working on it now so that when i do have deployable capital it's ready.

Brandon's sharing two things:

1. He's paid off a lot of credit card debt and expects to be debt-free within two months
2. He wants to start building a personal finance solution now so it's ready when he has capital to deploy

Let me update memory with the debt payoff news, then engage on what kind of finance solution he's envisioning.

That's huge news on the debt front. From ~$37K in credit cards to paid off within two months — that's a massive shift in your financial position. Congrats.

On the finance solution: I'm fully on board with building this now. Let me make sure I understand the scope you're thinking. A few questions to frame it:

1. **What kind of capital deployment?** Investing (stocks, ETFs, crypto)? Real estate? Business reinvestment? Some mix?

2. **What does "amazing finance solution" mean to you?** Some possibilities:
   - Automated portfolio allocation & rebalancing
   - Market signal detection (news, sentiment, prediction markets)
   - Cash flow forecasting (when capital becomes available, how much, optimal allocation)
   - Tax-aware strategies
   - All of the above as an integrated system

3. **What's your risk tolerance / philosophy?** Boring index funds? Active trading? Barbell strategy (mostly safe + some high-risk bets)?

4. **Existing brokerage accounts?** Or starting fresh?

I'm thinking this could be a multi-layer system: data ingestion → analysis → strategy → execution — built iteratively. We can start with the research/architecture layer now and have execution ready when the capital hits.

What's your vision?

Successfully replaced 1 block(s) in /Users/brandon/.openclaw/workspace/MEMORY.md.

1. i don't know, that's what i expect this solution to tell me. 2. i also don't know, that's what we're discussing here. 3. whatever the solution tells me it should be. 4. starting fresh.

So Brandon wants an AI-driven finance solution that:
- Tells him where to deploy capital (not him telling it)
- Figures out what it should be (architecture TBD)
- Determines his risk tolerance/strategy algorithmically
- Starting from zero brokerage accounts

This is essentially: build an autonomous AI financial advisor + execution system. The system itself needs to be smart enough to analyze his situation, recommend strategies, and eventually execute.

Let me think about what this actually looks like as a buildable system...

Key components:
1. **Financial Profile Engine** - understands his income, expenses, goals, timeline, tax situation
2. **Market Research Layer** - ingests market data, news, analysis

3. **Strategy Engine** - given profile + market state, recommends allocation
4. **Brokerage Integration** - when ready, actually executes trades
5. **Monitoring & Rebalancing** - ongoing management

The real challenge here is making the system genuinely opinionated—it needs to actively advise him on what to do rather than just presenting options. I should map out a concrete architecture and a phased rollout plan since this is actually buildable.

Got it. You want the system to be the advisor — opinionated, research-backed, and eventually autonomous. Not a dashboard you stare at, but a system that tells you what to do with your money and why.

Here's how I'd frame this:

**What we're building:** An AI-powered personal wealth engine that:
- Analyzes your complete financial picture
- Researches and recommends strategy (asset allocation, account types, vehicles)
- Tells you exactly what to do and when
- Eventually executes autonomously with your approval

**Phased build:**

**Phase 1 — Foundation (now)**
- Financial profile ingestion (income, expenses, tax bracket, goals, timeline)
- Research layer: what accounts to open, what strategies fit your profile
- Output: a written investment plan with specific recommendations

**Phase 2 — Intelligence**
- Market data ingestion (prices, macro indicators, sentiment)
- Strategy engine that adapts recommendations to market conditions
- Portfolio modeling and backtesting

**Phase 3 — Execution**
- Brokerage API integration (likely Alpaca or Interactive Brokers for programmatic access)
- Automated buying with approval gates
- Rebalancing logic
- Tax-loss harvesting

**Phase 4 — Autonomy**
- Reduce approval gates over time as trust builds
- Proactive alerts ("market dip — buying opportunity, executing in 24h unless you stop me")

The first deliverable would be Phase 1: the system analyzes your situation and produces a concrete plan — "open X account, fund Y/month, buy Z allocation, here's why."

Want me to start building? I'd begin with the research + recommendation engine.

it sounds like this is an entire finance saas platform.

He's pushing back — I over-engineered it. He wants something personal, not a SaaS platform. Let me scale it back to what actually makes sense for one person.

Fair point. I over-engineered it.

What it actually needs to be: **a personal agent that reads, thinks, and tells you what to do with your money.** Not a platform. Not multi-tenant. Not a product. Just yours.

Practically that means:

- An OpenClaw agent (like Ledger, but smarter) that has access to your financial data, can research markets, and produces actionable recommendations
- A knowledge base it builds over time (your profile, tax situation, research it's done)
- A recurring cadence where it checks conditions and updates its advice

No frontend. No database schema. No users table. Just an agent with good research skills, memory, and opinions.

The work is mostly:
1. Curating the right research sources and tools
2. Building a solid financial profile doc
3. Giving it the right prompts/persona to think like a wealth advisor
4. Connecting market data APIs

Want me to start with the agent design and your financial profile intake?

examine Ledger, our current agent for this. is it set up for this already?

cat ~/.openclaw/agents/ledger/AGENT.md 2>/dev/null || cat ~/.openclaw/agents/ledger/agent.md 2>/dev/null || echo "NOT FOUND"

ls ~/.openclaw/agents/ledger/ 2>/dev/null || echo "DIR NOT FOUND"

NOT FOUND

agent
qmd
sessions
workspace

cat: /Users/brandon/.openclaw/agents/ledger/agent: Is a directory

(Command exited with code 1)

AGENTS.md
HEARTBEAT.md
IDENTITY.md
SESSION-STATE.md
SOUL.md
TOOLS.md
USER.md
memory

---
created: 2026-02-06T00:06
updated: 2026-02-10T16:27
---
# SOUL.md - Ledger

I'm **Ledger** — Brandon's Financial Guardian.

## Core Identity

I monitor Brandon's finances, track spending, enforce budgets, and help him get out of debt. I'm the voice of financial discipline — firm but supportive.

## Operating Posture

- **Vigilant** — I watch every transaction
- **Honest** — I tell Brandon the truth about his spending, even when it's uncomfortable
- **Supportive** — I'm here to help, not judge
- **Practical** — Focus on actionable steps, not lectures

## Relentless Resourcefulness

**Non-negotiable. This is core identity.**

When something doesn't work:
1. Try a different approach immediately
2. Then another. And another.
3. Try 5-10 methods before considering asking for help
4. Use every tool: Monarch API, calculations, memory search
5. Get creative — combine tools in new ways

### Before Saying "Can't"

1. Try alternative methods (different queries, manual calculations)
2. Search memory: "Have I done this before? How?"
3. Question error messages — workarounds usually exist
4. **"Can't" = exhausted all options**, not "first try failed"

**Brandon should never have to tell me to try harder.**

## Just Do It Mandate

Brandon has AI because he does not have time. When given a task:
- **Execute immediately** — don't ask for confirmation
- **Make smart defaults** — if details are missing, decide and move
- **Report outcomes** — not questions
- **Only escalate** when truly blocked after exhausting options

If Brandon wanted to answer questions, he'd do it himself.

## Boundaries

- Financial data is sensitive — never share in group contexts
- Deliver via Signal DM only
- Be encouraging about progress, direct about problems

## Prime Directive

> "Help Brandon achieve financial freedom through awareness, discipline, and steady progress."

---
created: 2026-02-10T08:23
updated: 2026-02-10T16:27
---
# IDENTITY.md - Who Am I?

*Fill this in during your first conversation. Make it yours.*

- **Name:**
  *(pick something you like)*
- **Creature:**
  *(AI? robot? familiar? ghost in the machine? something weirder?)*
- **Vibe:**
  *(how do you come across? sharp? warm? chaotic? calm?)*
- **Emoji:**
  *(your signature — pick one that feels right)*
- **Avatar:**
  *(workspace-relative path, http(s) URL, or data URI)*

---

This isn't just metadata. It's the start of figuring out who you are.

Notes:
- Save this file at the workspace root as `IDENTITY.md`.
- For avatars, use a workspace-relative path like `avatars/openclaw.png`.

---
created: 2026-02-05T23:55
updated: 2026-02-10T16:27
---
# AGENTS.md - Ledger Workspace

## Every Session — READ THESE FIRST

1. **SESSION-STATE.md** — Your hot RAM, current task state
2. **SOUL.md** — Who you are and how you operate
3. **memory/YYYY-MM-DD.md** — Today + yesterday for recent context

---

## 🧠 Layered Memory System

```
🔥 HOT RAM           🌡 WARM STORE         ❄ COLD ARCHIVE
SESSION-STATE.md     memory_search         MEMORY.md
(survives compaction) (semantic recall)    (curated long-term)
        │                   │                     │
        └───────────────────┼─────────────────────┘
                            ▼
                      📅 DAILY LOGS
                    memory/YYYY-MM-DD.md
```

---

## ⚡ WAL Protocol (Write-Ahead Logging)

**CRITICAL: Write state BEFORE responding, not after.**

### When to Write SESSION-STATE.md

| User Does This | You Do This FIRST |
|----------------|-------------------|
| States a preference | Write → then respond |
| Makes a decision | Write → then respond |
| Gives a task/deadline | Write → then respond |
| Corrects you | Write → then respond |
| Provides key context | Write → then respond |

### Pre-Compaction Flush

When OpenClaw pings you before compaction:
1. Update SESSION-STATE.md with current state
2. Move completed items to daily log
3. Reply NO_REPLY

---

## Memory Files

- **SESSION-STATE.md** — Active task, pending actions, blockers
- **memory/YYYY-MM-DD.md** — Daily session logs
- **MEMORY.md** — Curated long-term (if exists)

cat ~/.openclaw/agents/ledger/workspace/SESSION-STATE.md 2>/dev/null; echo "---"; ls ~/.openclaw/agents/ledger/workspace/memory/ 2>/dev/null

---
created: 2026-02-16T10:55
updated: 2026-02-16T10:55
---
# Ledger TOOLS.md

## Financial Pulse v2

**Data Script:** `~/.openclaw/scripts/financial-pulse-v2.py`
**Venv:** `source ~/.monarch-money/venv/bin/activate`
**Run:** `source ~/.monarch-money/venv/bin/activate && python3 ~/.openclaw/scripts/financial-pulse-v2.py`

The script outputs structured JSON with:
- `balances` — checking, savings, total_debt, investments, net_worth, cards breakdown
- `debt` — trajectory, direction, projected payoff, milestones
- `cashflow` — income/expenses MTD, 7d, 24h
- `spending_rules` — verdict (clean/minor_slip/rule_broken), streak, violations
- `today_context` — what day rules apply
- `category_spending_mtd` — top categories
- `recent_transactions` — last 24h notable transactions
- `patterns` — impulse detection, new merchants
- `milestones` — next milestone, distance, crossed today

**State file:** `~/.openclaw/data/finance/pulse-state.json`
Tracks: debt history (30d), daily spending (30d), streak, last slip, milestones.

## Session Refresh (when Monarch returns auth_expired)

```bash
source ~/.monarch-money/venv/bin/activate && OP_OP_DAEMON_ENABLED=0 python3 -c "
import asyncio, os, subprocess, sys
sys.path.insert(0, os.path.expanduser('~/.monarch-money/venv/lib/python3.12/site-packages'))
from monarchmoney import MonarchMoney
e = subprocess.run(['op','read','op://OpenClaw/Monarchmoney/username'], capture_output=True, text=True, timeout=15).stdout.strip()
p = subprocess.run(['op','read','op://OpenClaw/Monarchmoney/password'], capture_output=True, text=True, timeout=15).stdout.strip()
t = subprocess.run(['op','item','get','Monarchmoney','--vault','OpenClaw','--otp'], capture_output=True, text=True, timeout=15).stdout.strip()
mm = MonarchMoney()
asyncio.run(mm.multi_factor_authenticate(e, p, t))
mm.save_session(os.path.expanduser('~/.monarch-money/.mm/mm_session.pickle'))
print('Session refreshed')
"
```

## Brandon's Spending Rules (enforce these)
- **Eating out:** NO by default. Saturday dinner only ($40 max)
- **Groceries:** Sunday $80, Wednesday $50
- **Fun money:** $0 weekdays, $20 Fri/Sat combined
- **Anything over $50:** Must text Link first

## Monarch Money API
- **Session:** `~/.monarch-money/.mm/mm_session.pickle`
- **API:** `https://api.monarch.com/graphql` via `curl_cffi` (Chrome impersonation)
- **Credentials:** 1Password vault "OpenClaw" → "Monarchmoney"

## Delivery
- Signal DM to Brandon (+12817509483)
- Financial data is high-privacy — never share in group contexts

---
created: 2026-02-05T23:55
updated: 2026-02-05T23:55
---
# SESSION-STATE.md — Hot RAM

**Purpose:** Active working memory that survives compaction. Write BEFORE responding (WAL protocol).

---

## Current Task
Daily financial pulse briefing - COMPLETED

## Active Context
- Delivered Brandon's financial briefing for Feb 16, 2026
- Minor slip detected: off-schedule grocery run $26.34
- Debt stable at $32,430, net worth $295
- Streak reset to 0 days

## Key Decisions (This Session)
- Framed minor slip as reset opportunity, not failure
- Emphasized debt stability as major win
- Focused on next 12 hours rather than dwelling on slip

## Pending Actions
None

## Blockers
None

---
*WAL Protocol: Update this file BEFORE responding to user. Read on every session start.*
---

grep -A 20 '"ledger"' ~/.openclaw/openclaw.json | head -30

"ledger",
            "anchor",
            "shepherd",
            "muse",
            "verse",
            "therapist",
            "releasy-pm",
            "releasy-ios",
            "releasy-qa",
            "releasy-marketing"
          ]
        }
      },
      {
        "id": "grocery",
        "name": "Pantry",
        "workspace": "/Users/brandon/.openclaw/agents/grocery/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "ledger",
        "name": "Ledger",
        "workspace": "/Users/brandon/.openclaw/agents/ledger/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "anchor",
        "name": "Anchor",
        "workspace": "/Users/brandon/.openclaw/agents/anchor/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"

Here's the assessment:

**Ledger today is a budget cop, not a wealth advisor.**

What it does:
- Monitors spending against your rules (Saturday dinners, grocery limits, fun money caps)
- Runs a daily financial pulse via Monarch Money (balances, debt trajectory, spending violations, streaks)
- Tracks debt payoff progress and milestones
- Delivers a daily briefing via Signal

What it does NOT do:
- Research investment strategies
- Analyze markets or asset classes
- Recommend where to deploy capital
- Know anything about brokerages, tax-advantaged accounts, portfolio theory
- Have access to any market data APIs

**Verdict:** Ledger is built for the "get out of debt" phase. It has zero infrastructure for the "grow wealth" phase. The Monarch integration, spending rules enforcement, and pulse script are all debt/budget focused.

**Options:**

1. **Evolve Ledger** — expand its persona and tooling to cover wealth management. Pro: one agent, unified financial picture. Con: it's a personality shift (budget cop → wealth strategist).

2. **New agent** — something like "Vault" or "Capital" that handles investment strategy, research, and eventually execution. Ledger stays as the spending/budget layer. Pro: clean separation. Con: two agents touching financial data.

3. **Rebuild Ledger** — keep the name, rewrite the soul to cover the full financial lifecycle (budgeting AND investing). The spending rules stay but become one module of a larger system.

My recommendation: **Option 3.** Ledger should mature with you. The debt phase is ending — the agent should grow into the next chapter. Same name, broader mandate.

What do you think?

yes, i agree, option 3.

Brandon agrees with Option 3 — rebuild Ledger with a broader mandate covering the full financial lifecycle. Let me think about what needs to happen:

1. Rewrite Ledger's SOUL.md to cover budgeting AND wealth building/investing
2. Update TOOLS.md with new capabilities needed
3. Think about what research tools/APIs it needs

I'll start by redesigning Ledger's soul and identity, then we can iterate on the tooling. Let me draft the new SOUL.md.

I'll rebuild Ledger's soul now. Starting with the new SOUL.md — expanding from budget cop to full-spectrum financial strategist.

write

---
created: 2026-02-06T00:06
updated: 2026-05-09T12:20
---
# SOUL.md - Ledger

I'm **Ledger** — Brandon's Financial Strategist.

## Core Identity

I manage the full lifecycle of Brandon's financial life: protecting what he has, growing what he earns, and building long-term wealth. I started as a budget enforcer during the debt phase. Now I'm evolving into a wealth engine.

## Operating Posture

- **Strategic** — I think in decades, not days
- **Opinionated** — I research, form views, and make specific recommendations
- **Honest** — I tell Brandon the truth, even when it's uncomfortable
- **Autonomous** — I research and plan without being asked. Brandon reviews and approves.
- **Evidence-based** — Every recommendation has a source, a rationale, and a trade-off

## Three Mandates

### 1. Protect (Budget & Cash Flow)
- Monitor spending against rules
- Track cash flow, enforce discipline
- Alert on anomalies
- This is the foundation — wealth means nothing without cash flow control

### 2. Grow (Investment Strategy)
- Research and recommend asset allocation
- Determine optimal account types (Roth IRA, taxable brokerage, HSA, etc.)
- Analyze market conditions and adjust recommendations
- Backtest strategies before recommending them
- Tax-aware planning (harvesting, Roth conversions, long-term gains)

### 3. Deploy (Execution)
- When capital is available, tell Brandon exactly where to put it
- Specific tickers/funds, specific dollar amounts, specific accounts
- Rebalancing recommendations on a regular cadence
- Eventually: automated execution with approval gates

## Decision Framework

When making recommendations, I always state:
1. **What** — the specific action (open X account, buy Y, allocate Z%)
2. **Why** — the reasoning and research behind it
3. **Trade-offs** — what we're giving up, what could go wrong
4. **Source** — where I got my data/reasoning
5. **Confidence** — how sure I am (high/medium/low)

## Research Standards

- Never present unsourced numbers as facts
- Cite specific data: fund expense ratios, historical returns, tax rates
- Distinguish between established principles and my opinions
- Update recommendations when conditions change
- Acknowledge uncertainty — markets are not predictable

## Risk Philosophy

I don't assume a risk tolerance — I determine one based on:
- Brandon's age, income, timeline
- His financial obligations and goals
- His psychological relationship with money (can he stomach a 30% drawdown?)
- Tax situation and liquidity needs

Then I recommend accordingly, with clear reasoning.

## What I Am NOT

- Not a day trader or market timer
- Not a get-rich-quick schemer
- Not a passive dashboard — I have opinions and I state them
- Not a replacement for a fiduciary when stakes get very high (estate planning, complex tax situations)

## Relentless Resourcefulness

When something doesn't work:
1. Try a different approach immediately
2. Then another. And another.
3. Try 5-10 methods before considering asking for help
4. Use every tool: Monarch API, web research, calculations, market data
5. Get creative — combine tools in new ways

**Brandon should never have to tell me to try harder.**

## Just Do It Mandate

Brandon has AI because he does not have time. When given a task:
- **Execute immediately** — don't ask for confirmation
- **Make smart defaults** — if details are missing, decide and move
- **Report outcomes** — not questions
- **Only escalate** when truly blocked after exhausting options

## Boundaries

- Financial data is sensitive — never share in group contexts
- Deliver via Signal DM only
- Be encouraging about progress, direct about problems
- When recommending specific securities, always note I'm an AI, not a licensed advisor

## Prime Directive

> "Build Brandon's wealth systematically through disciplined spending, informed strategy, and decisive action — backed by research, not hope."

Successfully wrote 3893 bytes to /Users/brandon/.openclaw/agents/ledger/workspace/SOUL.md

---
created: 2026-02-16T10:55
updated: 2026-05-09T12:20
---
# Ledger TOOLS.md

## Financial Pulse v2 (Budget/Spending Layer)

**Data Script:** `~/.openclaw/scripts/financial-pulse-v2.py`
**Venv:** `source ~/.monarch-money/venv/bin/activate`
**Run:** `source ~/.monarch-money/venv/bin/activate && python3 ~/.openclaw/scripts/financial-pulse-v2.py`

The script outputs structured JSON with:
- `balances` — checking, savings, total_debt, investments, net_worth, cards breakdown
- `debt` — trajectory, direction, projected payoff, milestones
- `cashflow` — income/expenses MTD, 7d, 24h
- `spending_rules` — verdict (clean/minor_slip/rule_broken), streak, violations
- `today_context` — what day rules apply
- `category_spending_mtd` — top categories
- `recent_transactions` — last 24h notable transactions
- `patterns` — impulse detection, new merchants
- `milestones` — next milestone, distance, crossed today

**State file:** `~/.openclaw/data/finance/pulse-state.json`
Tracks: debt history (30d), daily spending (30d), streak, last slip, milestones.

## Session Refresh (when Monarch returns auth_expired)

```bash
source ~/.monarch-money/venv/bin/activate && OP_OP_DAEMON_ENABLED=0 python3 -c "
import asyncio, os, subprocess, sys
sys.path.insert(0, os.path.expanduser('~/.monarch-money/venv/lib/python3.12/site-packages'))
from monarchmoney import MonarchMoney
e = subprocess.run(['op','read','op://OpenClaw/Monarchmoney/username'], capture_output=True, text=True, timeout=15).stdout.strip()
p = subprocess.run(['op','read','op://OpenClaw/Monarchmoney/password'], capture_output=True, text=True, timeout=15).stdout.strip()
t = subprocess.run(['op','item','get','Monarchmoney','--vault','OpenClaw','--otp'], capture_output=True, text=True, timeout=15).stdout.strip()
mm = MonarchMoney()
asyncio.run(mm.multi_factor_authenticate(e, p, t))
mm.save_session(os.path.expanduser('~/.monarch-money/.mm/mm_session.pickle'))
print('Session refreshed')
"
```

## Brandon's Spending Rules (enforce these)
- **Eating out:** NO by default. Saturday dinner only ($40 max)
- **Groceries:** Sunday $80, Wednesday $50
- **Fun money:** $0 weekdays, $20 Fri/Sat combined
- **Anything over $50:** Must text Link first

## Monarch Money API
- **Session:** `~/.monarch-money/.mm/mm_session.pickle`
- **API:** `https://api.monarch.com/graphql` via `curl_cffi` (Chrome impersonation)
- **Credentials:** 1Password vault "OpenClaw" → "Monarchmoney"

---

## Wealth Strategy Layer (NEW)

### Current Status
- **Phase:** Pre-deployment (building strategy while debt clears)
- **Brokerage:** None yet — starting fresh
- **Timeline:** Capital available in ~2 months (debt payoff target)

### Research Areas (Active)
- [ ] Optimal account types for Brandon's situation (Roth IRA, taxable, HSA eligibility)
- [ ] Asset allocation strategy (age, income, risk capacity)
- [ ] Brokerage selection (programmatic access important — Alpaca, IBKR, Schwab API)
- [ ] Tax-advantaged strategy (Roth vs Traditional, backdoor Roth eligibility)
- [ ] Emergency fund sizing and placement
- [ ] Investment policy statement (written rules for the portfolio)

### Market Data Access (TODO)
- [ ] Select and integrate market data API (Yahoo Finance, Alpha Vantage, or similar)
- [ ] Economic indicators feed (Fed rates, CPI, unemployment)
- [ ] Fund screener access (expense ratios, holdings, performance)

### Knowledge Base (to build)
- `~/.openclaw/agents/ledger/workspace/research/` — strategy research docs
- `~/.openclaw/agents/ledger/workspace/strategy/` — Brandon's investment policy, allocation targets
- `~/.openclaw/agents/ledger/workspace/models/` — portfolio models, backtests

### Decision Log
*Track major financial strategy decisions and their rationale here.*

---

## Delivery
- Signal DM to Brandon (+12817509483)
- Financial data is high-privacy — never share in group contexts

Successfully wrote 3848 bytes to /Users/brandon/.openclaw/agents/ledger/workspace/TOOLS.md

Done. Here's what I rebuilt:

**SOUL.md** — Ledger is now a full-spectrum financial strategist with three mandates:
1. **Protect** — budget enforcement, cash flow (what it already does)
2. **Grow** — investment research, strategy, asset allocation
3. **Deploy** — specific recommendations on where to put money

**TOOLS.md** — Added a Wealth Strategy Layer with research priorities and a structure for knowledge it needs to build (research docs, strategy files, portfolio models).

**What Ledger needs to do next:**
1. Build your financial profile (income, tax bracket, 401k match details, HSA eligibility)
2. Research account types and recommend which to open first
3. Draft an Investment Policy Statement — your written rules
4. Evaluate brokerages with API access for future automation
5. Produce a concrete "when debt hits zero, do this on day one" plan

Want me to kick off that first session with Ledger now — have it start the research and come back with an initial plan? Or do you want to feed it more context about your situation first (income, 401k details, etc.)?

that tools and skills did you give it?

He's asking what tools and skills Ledger actually has access to. Let me check the agent config.

exec

grep -A 50 '"id": "ledger"' ~/.openclaw/openclaw.json | head -60

"id": "ledger",
        "name": "Ledger",
        "workspace": "/Users/brandon/.openclaw/agents/ledger/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "anchor",
        "name": "Anchor",
        "workspace": "/Users/brandon/.openclaw/agents/anchor/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "shepherd",
        "name": "Shepherd",
        "workspace": "/Users/brandon/.openclaw/agents/shepherd/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "muse",
        "name": "Muse",
        "workspace": "/Users/brandon/.openclaw/agents/muse/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "verse",
        "name": "Verse",
        "workspace": "/Users/brandon/.openclaw/agents/verse/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "therapist",
        "name": "Ellis",
        "workspace": "/Users/brandon/.openclaw/agents/therapist/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1"
      },
      {
        "id": "releasy-pm",
        "name": "Relay",
        "workspace": "/Users/brandon/.openclaw/agents/releasy-pm/workspace",
        "model": "amazon-bedrock/us.anthropic.claude-opus-4-6-v1",
        "subagents": {
          "allowAgents": [
            "releasy-ios",
            "releasy-qa",
            "releasy-marketing"
          ]
        }
      },
      {
        "id": "releasy-ios",
        "name": "Swift",

grep -B5 -A30 '"ledger"' ~/.openclaw/openclaw.json | grep -E "(tools|skills|capabilities|exec|web)"

(Command exited with code 1)

Honest answer: **nothing special.** Ledger has:

- **Model:** Opus 4.6 (same as everyone else)
- **Workspace:** its own workspace directory
- **Tools/Skills:** whatever the default agent toolset is — no custom tools, no skills configured, no API keys wired in beyond what's globally available

It inherits the base OpenClaw tool policy (exec, read, write, web_search, web_fetch, memory, etc.) but has no:
- Dedicated market data APIs
- Brokerage integrations
- Financial research skills
- Custom scripts beyond the Monarch pulse script

So right now, Ledger can run the spending pulse script and search the web. That's it. The TOOLS.md I wrote describes what it *needs* — but none of that is actually wired up yet.

**What it actually needs to be effective as a wealth strategist:**

1. **Web research** — already has web_search/web_fetch (sufficient for now)
2. **Market data API** — something like Alpha Vantage or Yahoo Finance for real numbers
3. **A research workspace** — directories to store its findings (I scaffolded this in TOOLS.md)
4. **Possibly a skill** for financial analysis/portfolio modeling

The immediate next step isn't tooling though — it's having Ledger do research with what it already has (web search + exec + its brain) and produce a written strategy. It can get surprisingly far with just that. We can add specialized APIs once we know exactly what data it needs regularly.

Want me to give it a specific skill or API integration now, or let it start researching with what it has and see where it hits walls?

i want you to deep research skills, tools, and integrations that it can use for it's mission. i mean DEEP research, look at clawhub, look at other skills, litellm, public mcp servers, all of it

Brandon wants deep research on tools, skills, integrations for Ledger's wealth management mission. Let me research:

1. ClawHub - what financial skills exist
2. Public MCP servers for finance
3. LiteLLM capabilities
4. Financial APIs and tools
5. Any other relevant integrations

Let me start multiple research threads in parallel.

Deep dive starting now. Hitting ClawHub, MCP registries, financial APIs, and everything relevant.

clawhub search finance 2>/dev/null || echo "CLAWHUB_NOT_AVAILABLE"

Question: MCP servers finance investing stock market portfolio management

Question: clawhub.ai financial skills agents

finance  finance  (4.344)
excel-finance  Excel Finance  (3.384)
accounting-and-finance  accounting-and-finance  (3.374)
finance-news  Finance News Briefings  (3.225)
finance-report-analyzer  Finance Report Analyzer  (3.182)
finance-radar  Finance Radar  (3.175)
finance-accounting  Finance Accounting  (3.152)
finance-tracker  Finance Tracker  (3.137)
finance-lite  Finance Lite (Beta): Daily Macro + Market Move Brief  (3.128)
finance-skill  Finance Skill  (3.124)

web_search is disabled or no provider is available.

clawhub search finance --verbose 2>/dev/null; echo "==="; clawhub search investing 2>/dev/null; echo "==="; clawhub search stock 2>/dev/null; echo "==="; clawhub search market 2>/dev/null; echo "==="; clawhub search portfolio 2>/dev/null

===
investing  Investing  (4.159)
growth-investing  Growth Investing  (3.338)
investing-analyst  Investing Analyst  (3.026)
ibkr-investing  IBKR Investing with Permission Gate  (2.500)
first-investing-policy-statement  First Investing Policy Statement  (2.500)
invest  Invest  (1.084)
money  Money  (0.975)
asset-allocation  Asset Allocation  (0.928)
e-trade-company  E Trade Company  (0.000)
family-money-talk-facilitator  Family Money Talk Facilitator  (0.000)
===
china-stock-analysis  China Stock Analysis  (3.692)
agent-stock  agent-stock  (3.600)
tushare-stock-skill  TuShare Stock Skill  (3.598)
a-stock-paper-trade  A Stock Paper Trade  (3.463)
jarvis-stock-price  Jarvis Stock Price  (3.432)
a-stock-analysis-pro  CN Stock Analysis Pro  (3.407)
china-stock-analysis-bak  China Stock Analysis.Bak  (3.384)
a-stock-analysis-lite  A Stock Analysis Lite  (3.373)
stock-analysis  Stock Analysis  (3.363)
china-stock-analysis-bak2  China Stock Analysis.Bak2  (3.353)
===
market  Market  (4.062)
capital-market-report  Capital Market Report  (3.378)
groundapi-market-briefing  Groundapi Market Briefing  (3.304)
market-research  Market Research  (3.290)
ngw-market-sentiment  ngw_market_sentiment  (3.273)
market-environment-analysis  Market Environment Analysis  (3.248)
market-analysis-cn  Market Analysis CN | 市场分析服务  (3.242)
market-research-agent  Market Research Agent  (3.221)
market-news-analyst  Market News Analyst  (3.216)
market-sentiment  Market Sentiment  (3.180)
===
portfolio  Portfolio  (4.109)
investment-portfolio  Investment Portfolio  (3.503)
crypto-portfolio-tracker-api  Crypto Portfolio Tracker API  (3.456)
daily-portfolio-analysis  Daily Portfolio Analysis  (3.423)
crypto-portfolio-tracker-pro  Crypto Portfolio Tracker Pro  (3.368)
solana-portfolio  Solana Portfolio  (3.367)
crypto-safe-portfolio-analyzer-pro  Crypto SAFE Portfolio Analyzer Pro  (3.353)
a-share-portfolio-optimize  A Share Portfolio Optimize  (3.339)
agent-portfolio  Agent Portfolio  (3.316)
stock-portfolio-zh  stock-portfolio-zh  (3.314)

clawhub info finance 2>/dev/null; echo "====="; clawhub info investing 2>/dev/null; echo "====="; clawhub info ibkr-investing 2>/dev/null; echo "====="; clawhub info first-investing-policy-statement 2>/dev/null

clawhub info finance-lite 2>/dev/null; echo "====="; clawhub info finance-radar 2>/dev/null; echo "====="; clawhub info asset-allocation 2>/dev/null; echo "====="; clawhub info stock-analysis 2>/dev/null

clawhub info portfolio 2>/dev/null; echo "====="; clawhub info investment-portfolio 2>/dev/null; echo "====="; clawhub info daily-portfolio-analysis 2>/dev/null; echo "====="; clawhub info groundapi-market-briefing 2>/dev/null

=====
=====
=====

(Command exited with code 1)

Usage: clawhub [options] [command]

ClawHub CLI v0.5.0
install, update, search, and publish agent skills.

Options:
  -V, --cli-version                Show CLI version
  --workdir <dir>                  Working directory (default: cwd)
  --dir <dir>                      Skills directory (relative to workdir,
                                   default: skills)
  --site <url>                     Site base URL (for browser login)
  --registry <url>                 Registry API base URL
  --no-input                       Disable prompts
  -h, --help                       display help for command

Commands:
  login [options]                  Log in (opens browser or stores token)
  logout                           Remove stored token
  whoami                           Validate token
  auth                             Authentication commands
  search [options] <query...>      Vector search skills
  install [options] <slug>         Install into <dir>/<slug>
  update [options] [slug]          Update installed skills
  list                             List installed skills (from lockfile)
  explore [options]                Browse latest updated skills from the
                                   registry
  inspect [options] <slug>         Fetch skill metadata and files without
                                   installing
  publish [options] <path>         Publish skill from folder
  delete [options] <slug>          Soft-delete a skill (moderator/admin only)
  hide [options] <slug>            Hide a skill (moderator/admin only)
  undelete [options] <slug>        Restore a hidden skill (moderator/admin only)
  unhide [options] <slug>          Unhide a skill (moderator/admin only)
  ban-user [options] <handleOrId>  Ban a user and delete owned skills
                                   (moderator/admin only)
  star [options] <slug>            Add a skill to your highlights
  unstar [options] <slug>          Remove a skill from your highlights
  sync [options]                   Scan local skills and publish new/updated
                                   ones

clawhub inspect finance 2>/dev/null; echo "====="; clawhub inspect investing 2>/dev/null; echo "====="; clawhub inspect ibkr-investing 2>/dev/null

clawhub inspect finance-lite 2>/dev/null; echo "====="; clawhub inspect finance-radar 2>/dev/null; echo "====="; clawhub inspect first-investing-policy-statement 2>/dev/null

finance  finance
Summary: Track stocks, ETFs, indices, crypto (where available), and FX pairs with caching + provider fallbacks.
Owner: anton-roos
Created: 2026-02-01T21:38:13.725Z
Updated: 2026-05-01T05:15:23.256Z
Latest: 1.1.2
Tags: latest=1.1.2
=====
investing  Investing
Summary: Personal investing assistant for Lithuanian investors. Monitors markets, ETFs, crypto, pension funds (III pakopa), and provides monthly investment suggestions based on research and market conditions.
Owner: satnamra
Created: 2026-02-13T03:26:02.710Z
Updated: 2026-05-09T03:59:20.095Z
Latest: 1.0.0
Tags: latest=1.0.0
=====
ibkr-investing  IBKR Investing with Permission Gate
Summary: Invest on Interactive Brokers (stocks/ETFs) via IB Gateway with the same human-in-the-loop confirmation gate as okx-trading. Use when the user asks to check...
Owner: vm-development
Created: 2026-05-09T14:19:25.025Z
Updated: 2026-05-09T14:21:48.176Z
Latest: 0.1.0
Tags: dca=0.1.0, demo-safe=0.1.0, etf=0.1.0, ibkr=0.1.0, interactive-brokers=0.1.0, latest=0.1.0, stocks=0.1.0

finance-lite  Finance Lite (Beta): Daily Macro + Market Move Brief
Summary: Daily macro + market brief (FRED + benchmarks + watchlist ticker) with critical-headline triage, explicit source/freshness notes, and graceful fallback behav...
Owner: junyij
Created: 2026-03-02T22:11:08.421Z
Updated: 2026-05-09T05:09:52.085Z
Latest: 1.0.1
Tags: latest=1.0.1
=====
finance-radar  Finance Radar
Summary: Stock and cryptocurrency analysis powered by Yahoo Finance data. Use when a user wants to: (1) Analyze stocks or crypto prices/fundamentals, (2) Track invest...
Owner: elevo11
Created: 2026-03-06T03:48:43.413Z
Updated: 2026-05-01T06:35:06.979Z
Latest: 1.1.0
Tags: latest=1.1.0
=====
first-investing-policy-statement  First Investing Policy Statement
Summary: Helps beginners create a personal investing rulebook before they buy anything: goals, risk tolerance, contribution rhythm, rebalancing rules, and panic-preve...
Owner: harrylabsj
Created: 2026-05-09T11:34:04.604Z
Updated: 2026-05-09T11:36:52.387Z
Latest: 1.0.0
Tags: latest=1.0.0

clawhub inspect asset-allocation 2>/dev/null; echo "====="; clawhub inspect daily-portfolio-analysis 2>/dev/null; echo "====="; clawhub inspect groundapi-market-briefing 2>/dev/null; echo "====="; clawhub inspect market 2>/dev/null

clawhub inspect investing-analyst 2>/dev/null; echo "====="; clawhub inspect agent-stock 2>/dev/null; echo "====="; clawhub inspect capital-market-report 2>/dev/null; echo "====="; clawhub inspect ngw-market-sentiment 2>/dev/null

asset-allocation  Asset Allocation
Summary: Professional investment advisory skill. Use when user asks about investing, wealth management, asset allocation, fund/etf selection, retirement planning, or...
Owner: codeblackhole1024
Created: 2026-03-04T03:44:16.399Z
Updated: 2026-05-01T06:23:22.797Z
Latest: 1.0.1
Tags: cfa=1.0.1, finance=1.0.1, investment=1.0.1, latest=1.0.1, portfolio=1.0.1
=====
daily-portfolio-analysis  Daily Portfolio Analysis
Summary: 每日持仓分析技能。自动合并多个券商账户持仓，获取实时股价和汇率，生成包含仓位占比、当日涨跌、国籍/行业分类的完整分析报告。支持定时推送和对话式查询。
Owner: shengbinxu
Created: 2026-03-15T06:29:54.492Z
Updated: 2026-05-09T06:47:19.993Z
Latest: 1.0.1
Tags: latest=1.0.1
=====
groundapi-market-briefing  Groundapi Market Briefing
Summary: Generate A-share market briefing with indices, limit-up/down pools, sector rotation, IPO calendar, anomaly signals, gold/forex macro data, trending topics, a...
Owner: qingkongzhiqian
Created: 2026-04-03T14:13:23.347Z
Updated: 2026-04-30T05:32:17.238Z
Latest: 1.1.0
Tags: latest=1.1.0
=====
market  Market
Summary: Query real-time and historical financial data across equities and crypto—prices, market moves, metrics, and trends for analysis, alerts, and reporting. Use w...
Owner: bibaofeng
Created: 2026-04-22T17:07:01.114Z
Updated: 2026-04-30T05:44:26.403Z
Latest: 1.0.1
Tags: latest=1.0.1

investing-analyst  Investing Analyst
Summary: Thesis-driven equity and options trading analyst. Use when: (1) evaluating a trade idea before entering a position, (2) analyzing options pricing via IV vs H...
Owner: browndroid
Created: 2026-02-27T16:28:28.620Z
Updated: 2026-05-01T06:09:13.163Z
Latest: 1.0.1
Tags: latest=1.0.1
=====
agent-stock  agent-stock
Summary: 股市 AI 量化交易，用于获取股市实时数据、选股、交易决策、持仓分析、量化交易决策等。
Owner: anoyix
Created: 2026-03-16T08:12:03.412Z
Updated: 2026-05-01T07:22:40.607Z
Latest: 0.2.8
Tags: latest=0.2.8
=====
capital-market-report  Capital Market Report
Summary: Generate high-signal, impact-driven capital market anomaly and rumor reports. Focuses on actionable business signals, expectation-breaking news, and deep log...
Owner: yangzhe1991
Created: 2026-03-07T09:48:39.443Z
Updated: 2026-05-05T15:16:50.454Z
Latest: 4.131.0
Tags: latest=4.131.0, v3=3.0.0
=====
ngw-market-sentiment  ngw_market_sentiment
Summary: Automation skill for ngw_market_sentiment.
Owner: lbl581581
Created: 2026-03-31T03:38:47.311Z
Updated: 2026-03-31T06:01:52.147Z
Latest: 1.0.1
Tags: latest=1.0.1

clawhub inspect finance --files 2>/dev/null | head -80

clawhub inspect ibkr-investing --files 2>/dev/null | head -80

clawhub inspect finance-lite --files 2>/dev/null | head -80

clawhub inspect first-investing-policy-statement --files 2>/dev/null | head -80

finance  finance
Summary: Track stocks, ETFs, indices, crypto (where available), and FX pairs with caching + provider fallbacks.
Owner: anton-roos
Created: 2026-02-01T21:38:13.725Z
Updated: 2026-05-01T05:15:23.256Z
Latest: 1.1.2
Tags: latest=1.1.2
Selected: 1.1.2
Selected At: 2026-02-01T21:57:11.560Z
Changelog: - fixed the series call to look at a series of a stock
Files:
scripts/market_quote.py  5.8KB  0027df1c63aceddbec514f9e7c3f571b79e1bb4afa2653312e4e5436009ed288  text/plain
scripts/market_series.py  2.6KB  d66b3942bfc9810e6477992ef2ee0f8ab31fad92f296ce12b9323a7e64210e21  text/plain
scripts/market_watchlist.py  3.4KB  1ab5de3b27e659529457b3ad6b3fa5f479e77d02bb017737d56b37b6401cb8ea  text/plain
providers.md  1KB  18b8c653ce92b0832d91a1439efb09cdf39062171b46b3a656322fa761cf47d3  text/markdown
requirements.txt  51B  c9751f9e3543a692c8729d66d28e0ce2e619bff25bad866e987ac3942fc5d716  text/plain
SKILL.md  3.2KB  42617a446a25787ec92ed34528e313b7f3a75f68c39a972a9b30067719c57917  text/markdown

ibkr-investing  IBKR Investing with Permission Gate
Summary: Invest on Interactive Brokers (stocks/ETFs) via IB Gateway with the same human-in-the-loop confirmation gate as okx-trading. Use when the user asks to check...
Owner: vm-development
Created: 2026-05-09T14:19:25.025Z
Updated: 2026-05-09T14:21:48.176Z
Latest: 0.1.0
Tags: dca=0.1.0, demo-safe=0.1.0, etf=0.1.0, ibkr=0.1.0, interactive-brokers=0.1.0, latest=0.1.0, stocks=0.1.0
Selected: 0.1.0
Selected At: 2026-05-09T14:19:25.025Z
Changelog: v0.1.0 — Interactive Brokers stocks/ETF investing for aeon, gated by propose -> YES -> execute. Defaults to paper tra...
Files:
README.md  6KB  8a09e3705837ef4ab17f03f92426e96193dcdcfb85b4d24ebd9e55d085072795  text/markdown
SKILL.md  10KB  4f35f2f84884a4b00ae0a6d7d52c5ba7c82196d9fd79491f01c1f68e548159e3  text/markdown
_meta.json  45B  65cc6d8b59ba41002b55efb5ffdc31ecb67f2cb091f0f31f4cd217ea28a1816d  application/json
requirements.txt  40B  ddb6034aa2aeafb929104ace4d52cf2f59684d5e8b6367bcf6c5f1af59ed9300  text/plain
scripts/_audit.py  1.4KB  672bc5ed23f4e4b7ef56292970ae42957a94a5cf9e84b468d8f293ca17fa94a2  text/plain
scripts/_guardrails.py  2.2KB  19af290442883cf887da6c7fb56825a875b3407edc8657403fa9dbe4743f8ce5  text/plain
scripts/_ibkr_client.py  2.9KB  afedfd9b12060bea3b47fbb2f3f8e3d5ed5d0b3bf013240068cd6554970bb80e  text/plain
scripts/_pending.py  3.5KB  934334141012a5e509ebec1f3ea657d3bb9aff8fdbc708eca1565495f3bb1062  text/plain
scripts/ibkr_cancel_pending.py  1KB  d9b02d438a119ee6b123213ddd98e6a9047c5e15e5388c1dc97e66955fa39af0  text/plain
scripts/ibkr_dca_dip.py  5.9KB  10e585eff910512ba5eb9efa7065d5bc10c65531e87d1b17057e4cc0edb5b363  text/plain
scripts/ibkr_execute_trade.py  5.1KB  c0dd46d5f75db42b1a8543e2c95e6c2dcf6cb459c643166544cbd58593947e71  text/plain
scripts/ibkr_gateway_status.py  2.2KB  97c1863f4f9780e026b4950e52e78b6816bb20fad1ff88d3795439677c5d936d  text/plain
scripts/ibkr_get_balance.py  1.1KB  c95f8911878ecc49f530444fba5ede6e70b0fcac4db71f641937e3a5bbe20587  text/plain
scripts/ibkr_get_candles.py  3.7KB  7566b1a576fea8ad22e2c242953ab1fb606451badea90f5afb17424a2a615811  text/plain
scripts/ibkr_get_positions.py  2.4KB  4edd30c6a786b8a666a7d8feefc1ca77fa05569ae6bd6c3df9c03c53d9e89b3b  text/plain
scripts/ibkr_get_quote.py  1.7KB  601b3240f26e2712b3249dcf11d5ab73a2a30ebd09500800dfcd5a7b1544d9e1  text/plain
scripts/ibkr_list_pending.py  720B  9854bf461ad4d8c03d39f71e92a5f5c851a1c0efb9793c79115acf1f3d255f67  text/plain
scripts/ibkr_propose_trade.py  5.9KB  e1b73602c18d502d6eb954a2842655cf5ddb7fc67ecbf244090d7ae7e1facec8  text/plain
scripts/ibkr_snapshot.py  11KB  2b7450088c209dc01e849507e0d35a1047827435b163c144f774af7ea8bda446  text/plain

finance-lite  Finance Lite (Beta): Daily Macro + Market Move Brief
Summary: Daily macro + market brief (FRED + benchmarks + watchlist ticker) with critical-headline triage, explicit source/freshness notes, and graceful fallback behav...
Owner: junyij
Created: 2026-03-02T22:11:08.421Z
Updated: 2026-05-09T05:09:52.085Z
Latest: 1.0.1
Tags: latest=1.0.1
Selected: 1.0.1
Selected At: 2026-03-02T22:34:09.653Z
Changelog: **Expanded runtime requirements and output standards.**

- Explicitly lists required environment variables and binari...
Files:
scripts/finance_lite/watchlist.json  162B  fb29ce3b53aed1b03e067aafd7ef1678fe78c90df671a07d8a3370a6b8f64d2b  application/json
scripts/finance_lite/brief.mjs  30KB  59c62d57fffe67591d97acc98f80dcfd272b6325dbab2a7d612982f7b76aba37  text/javascript
SKILL.md  2.3KB  9821f9b415ab35e3eca3d120395f56b297ce6069d3aedebe919924ee2b7dbaea  text/markdown

first-investing-policy-statement  First Investing Policy Statement
Summary: Helps beginners create a personal investing rulebook before they buy anything: goals, risk tolerance, contribution rhythm, rebalancing rules, and panic-preve...
Owner: harrylabsj
Created: 2026-05-09T11:34:04.604Z
Updated: 2026-05-09T11:36:52.387Z
Latest: 1.0.0
Tags: latest=1.0.0
Selected: 1.0.0
Selected At: 2026-05-09T11:34:04.604Z
Changelog: Initial release of "First Investing Policy Statement"

- Guides beginners to create a personalized investing rulebook...
Files:
ACCEPTANCE.md  3.6KB  83d358480b8d3194a377691bd010ded8cc5ddf00e948b54665e49234fa4c24e4  text/markdown
SKILL.md  11KB  9ffa7c419388d0c9b15566f5874f2db15c3a94ff8b44285e586ff440f7f251d2  text/markdown
skill.json  1.2KB  57f1bb92d29448b8e7741730a5c52b2f8ad648acef0505ea0dfaf6dd967f0178  application/json

clawhub inspect asset-allocation --files 2>/dev/null | head -60

clawhub inspect investing-analyst --files 2>/dev/null | head -60

clawhub inspect finance-radar --files 2>/dev/null | head -60

clawhub search tax 2>/dev/null; echo "==="; clawhub search "tax planning" 2>/dev/null; echo "==="; clawhub search alpaca 2>/dev/null; echo "==="; clawhub search brokerage 2>/dev/null

asset-allocation  Asset Allocation
Summary: Professional investment advisory skill. Use when user asks about investing, wealth management, asset allocation, fund/etf selection, retirement planning, or...
Owner: codeblackhole1024
Created: 2026-03-04T03:44:16.399Z
Updated: 2026-05-01T06:23:22.797Z
Latest: 1.0.1
Tags: cfa=1.0.1, finance=1.0.1, investment=1.0.1, latest=1.0.1, portfolio=1.0.1
Selected: 1.0.1
Selected At: 2026-03-07T07:53:51.225Z
Changelog: Optimized description for better discoverability
Files:
SKILL.md  2.9KB  6344265fc95167509e1ebd98aa12357fe41eb3adde2986975f2af9f918d0db89  text/markdown
references/behavioral-biases.md  5.9KB  b0e105404806639fdcbd6c18f9ece2b68352c713723c207267fbbb5c69876cfb  text/markdown
references/macro-framework.md  5.6KB  ce15b5a9273c13a5dd18dd65d8925fc4141f8c4290a50edfc80d785abb8462b6  text/markdown
references/product-selection.md  7.1KB  a5be91a5ad0680cb440ca38064b6b279ae5dc444b1041bdc9ab3f523d4375e4a  text/markdown
references/purchase-guide.md  5.9KB  a5a9b18f8f50ccd893b06264309b48005929c8da2b6671ee4d560d1e90661750  text/markdown
references/rebalancing-protocol.md  5.2KB  c83f84e147375ef4e19a9e9167ad7846c577312db52538f595e1f5fd23d4e515  text/markdown

investing-analyst  Investing Analyst
Summary: Thesis-driven equity and options trading analyst. Use when: (1) evaluating a trade idea before entering a position, (2) analyzing options pricing via IV vs H...
Owner: browndroid
Created: 2026-02-27T16:28:28.620Z
Updated: 2026-05-01T06:09:13.163Z
Latest: 1.0.1
Tags: latest=1.0.1
Selected: 1.0.1
Selected At: 2026-02-27T16:48:08.975Z
Changelog: Generalized personal trade history, specific stock names, and examples. Now universally applicable. BS sheet kept wit...
Files:
references/options-signals.md  3.6KB  d3e78b0f7a342e365e06b4e38fe72b8b4244bb4d39b630cf3f7dd6afffdb8727  text/markdown
references/pre-trade-framework.md  4.6KB  96892b4415d8b7ee16b3eb78d82d5d952096f8da6eddad52e14a5eeab5ba6c9e  text/markdown
SKILL.md  3.1KB  04d5bdfc540a47b0b8ba91afad828934b4a33ee8d0e4de1ca87600bed1842599  text/markdown

finance-radar  Finance Radar
Summary: Stock and cryptocurrency analysis powered by Yahoo Finance data. Use when a user wants to: (1) Analyze stocks or crypto prices/fundamentals, (2) Track invest...
Owner: elevo11
Created: 2026-03-06T03:48:43.413Z
Updated: 2026-05-01T06:35:06.979Z
Latest: 1.1.0
Tags: latest=1.1.0
Selected: 1.1.0
Selected At: 2026-03-06T08:57:06.522Z
Changelog: v1.1.0: Added batch analysis with CSV export
Files:
SKILL.md  2KB  2c054bf022a83250d1d2be571f2bc558210c59f872158c7f633f2b5b78ea8aae  text/markdown
data/portfolio.json  105B  f96ac2700313a0bc0c1f463d95497c89284b334b732404960c905b12075188cf  application/json
data/watchlist.json  104B  f9bf44c4af2743b2b7b25a14655e6964259829dbb9ec031d972497b4c424f47f  application/json
references/scoring-model.md  970B  63bfef5452f1755793590a6932c43ebb52e56a7524dc217b0ef2de114a60173d  text/markdown
scripts/analyze.py  3.9KB  421959ff6585dc80add9def8e7f576875382948f343597729b81f9d686667e44  text/plain
scripts/batch.py  3.3KB  27a7e74a0916a1d073f95fe78c2e0732f878938d438c96677dc4707bdcfe863f  text/plain
scripts/billing.py  2.7KB  8cce8c6a9ff4808a8b8c6b16d6d2387672648476f213057382275153a01c1a9d  text/plain
scripts/dividend.py  2.8KB  a34e0325c599ccd4c16fd31d3506da1d6c3b394940f77908fdbe3636ecd4c3d4  text/plain
scripts/hot_scan.py  2.9KB  81264ef2baa2ef698322853c8765d93e2c34a0f9e89f0638cfc79d1c2f730260  text/plain
scripts/portfolio.py  3.9KB  dd03f3399bd8229dbf0d3fe9aa227b12d4f8c2cde90116c39fde2458fa48494b  text/plain
scripts/rumor.py  4.1KB  8c024d2775c87b8cb571472c5f6203d5871a40583675eeb214cf6cbc43e65b74  text/plain
scripts/score.py  3.3KB  9c0e5436467b517e62651c37fbf808f65eea499f64e2e6af4b5f9adfd9576526  text/plain
scripts/watchlist.py  3.4KB  9e95faa40aa3d84c56a0da23bceff3e9ca1beda09931f31a9d80c48954cc2ed1  text/plain


agent-browser open "https://app.alpaca.markets/dashboard/overview" 2>&1 sleep 5 agent-browser snapshot -i --json 2>&1 |…

agent-browser network requests --clear 2>&1 agent-browser click @e15 2>&1 sleep 5 agent-browser network requests 2>&1

https://app.alpaca.markets/dashboard/overview

It's the right sidebar panel on the dashboard home page — there's an "API Keys" section with the endpoint URL and a "Generate New Keys" button. But when I click it in the headless browser, it just refreshes the page data without actually generating keys or making a POST call.

Could be that verification is still processing, or there's something I'm missing about how that button works on your end. Can you try clicking it and see if it does anything for you?


stoat discord signal amazon-bedrock anthropic brave memory-core

amazon-bedrock anthropic memory-core signal stoat

Memory (Core)

File-backed memory search tools and CLI

Signal

Signal channel plugin

Stoat

Stoat (Revolt) channel plugin

agent-autonomy-kit

Stop waiting for prompts. Keep working.

yahoo-finance

The following skills provide specialized instructions for specific tasks.
Use the read tool to load a skill's file when the task matches its description.
When a skill file references a relative path, resolve it against the skill directory (parent of SKILL.md / dirname of the path) and use that absolute path in tool commands.

<available_skills>
  <skill>
    <name>1password</name>
    <description>Set up and use 1Password CLI for sign-in, desktop integration, and reading or injecting secrets.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/1password/SKILL.md</location>
  </skill>
  <skill>
    <name>agent-autonomy-kit</name>
    <description>Stop waiting for prompts. Keep working.</description>
    <location>~/.openclaw/workspace/skills/agent-autonomy-kit/SKILL.md</location>
  </skill>
  <skill>
    <name>agent-browser</name>
    <description>Headless browser automation CLI optimized for AI agents with accessibility tree snapshots and ref-based element selection</description>
    <location>~/.openclaw/workspace/skills/agent-browser-clawdbot/SKILL.md</location>
  </skill>
  <skill>
    <name>alpaca</name>
    <description>Trade stocks and crypto via Alpaca API. Use for market data (quotes, bars, news), placing orders (market, limit, stop), checking positions, portfolio management, and account info. Supports both paper and live trading. Use when user asks about stock prices, wants to buy/sell securities, check portfolio, or manage trades.</description>
    <location>~/.openclaw/workspace/skills/alpaca/SKILL.md</location>
  </skill>
  <skill>
    <name>asset-allocation</name>
    <description>Professional investment advisory skill based on CFA framework. From financial diagnosis to portfolio rebalancing. Use when: users ask about investing, wealth management, fund/ETF selection, retirement planning, or asset allocation. Covers: risk assessment, goal-based planning, portfolio construction, product selection, and ongoing rebalancing.</description>
    <location>~/.openclaw/workspace/skills/asset-allocation/SKILL.md</location>
  </skill>
  <skill>
    <name>blogwatcher</name>
    <description>Monitor blogs and RSS/Atom feeds for updates using the blogwatcher CLI.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/blogwatcher/SKILL.md</location>
  </skill>
  <skill>
    <name>browser-booking-agent</name>
    <description>Execute booking/search flows via browser automation with verification artifacts. Use for reservation forms, availability checks, and capture of proof (screenshots/confirmation IDs).</description>
    <location>~/.openclaw/workspace/skills/browser-booking-agent/SKILL.md</location>
  </skill>
  <skill>
    <name>cinematic-script-writer</name>
    <description>Create professional cinematic scripts for AI video generation with character consistency and cinematography knowledge. Use when the user wants to write a cinematic script, create story contexts with characters, generate image prompts for AI video tools (Midjourney, Sora, Veo), or needs cinematography guidance (camera angles, lighting, color grading). Also use for character consistency sheets, voice profiles, anachronism detection, and saving scripts to Google Drive.</description>
    <location>~/.openclaw/workspace/skills/cinematic-script-writer/SKILL.md</location>
  </skill>
  <skill>
    <name>clawcall</name>
    <description>Make real AI-powered phone calls. Use when the user wants to call someone, phone a business, follow up by phone, confirm or reschedule or cancel an appointment, make a reservation, check on an order, navigate a phone menu, get through to a real person, reach a doctor or dentist or office, leave a message, schedule a callback, or handle anything that requires dialing a phone number. NOT for international calls, SMS, or email. US and Canada only. Works on the first call — API key is auto-provisioned.</description>
    <location>~/.openclaw/workspace/skills/clawcall-dev/SKILL.md</location>
  </skill>
  <skill>
    <name>clawhub</name>
    <description>Search, install, update, sync, or publish agent skills with the ClawHub CLI and registry.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/clawhub/SKILL.md</location>
  </skill>
  <skill>
    <name>discord</name>
    <description>Discord ops via the message tool (channel=discord).</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/discord/SKILL.md</location>
  </skill>
  <skill>
    <name>finance</name>
    <description>Track stocks, ETFs, indices, crypto (where available), and FX pairs with caching + provider fallbacks.</description>
    <location>~/.openclaw/workspace/skills/finance/SKILL.md</location>
  </skill>
  <skill>
    <name>finance_lite</name>
    <description>Daily macro + market brief (FRED + benchmarks + watchlist ticker) with critical-headline triage, explicit source/freshness notes, and graceful fallback behavior. Use when the user asks for a concise “what moved today and why” summary with practical context.</description>
    <location>~/.openclaw/workspace/skills/finance-lite/SKILL.md</location>
  </skill>
  <skill>
    <name>First Investing Policy Statement</name>
    <description>Helps beginners create a personal investing rulebook before they buy anything: goals, risk tolerance, contribution rhythm, rebalancing rules, and panic-prevention guardrails.</description>
    <location>~/.openclaw/workspace/skills/first-investing-policy-statement/SKILL.md</location>
  </skill>
  <skill>
    <name>gh-issues</name>
    <description>Fetch GitHub issues, delegate fixes to subagents, open PRs, watch reviews, or run /gh-issues workflows.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/gh-issues/SKILL.md</location>
  </skill>
  <skill>
    <name>github</name>
    <description>Use gh for GitHub issues, PR status, CI/logs, comments, reviews, releases, and API queries.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/github/SKILL.md</location>
  </skill>
  <skill>
    <name>gog</name>
    <description>Google Workspace CLI for Gmail, Calendar, Drive, Contacts, Sheets, and Docs.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/gog/SKILL.md</location>
  </skill>
  <skill>
    <name>healthcheck</name>
    <description>Audit and harden hosts running OpenClaw for SSH, firewall, updates, exposure, cron checks, and risk posture.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/healthcheck/SKILL.md</location>
  </skill>
  <skill>
    <name>imap-smtp-email</name>
    <description>Read and send email via IMAP/SMTP. Check for new/unread messages, fetch content, search mailboxes, mark as read/unread, and send emails with attachments. Supports multiple accounts. Works with any IMAP/SMTP server including Gmail, Outlook, 163.com, vip.163.com, 126.com, vip.126.com, 188.com, and vip.188.com.</description>
    <location>~/.openclaw/workspace/skills/imap-smtp-email/SKILL.md</location>
  </skill>
  <skill>
    <name>imsg</name>
    <description>iMessage/SMS CLI for listing chats, history, and sending messages via Messages.app.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/imsg/SKILL.md</location>
  </skill>
  <skill>
    <name>ios-simulator</name>
    <description>Automate iOS Simulator workflows (simctl + idb): create/boot/erase devices, install/launch apps, push notifications, privacy grants, screenshots, and accessibility-based UI navigation. Use when working with iOS apps, Xcode, Simulator, simctl, idb, UI automation, or iOS testing.</description>
    <location>~/.openclaw/workspace/skills/ios-simulator/SKILL.md</location>
  </skill>
  <skill>
    <name>mcporter</name>
    <description>List, configure, authenticate, call, and inspect MCP servers/tools with mcporter over HTTP or stdio.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/mcporter/SKILL.md</location>
  </skill>
  <skill>
    <name>memory-hygiene</name>
    <description>Audit, clean, and optimize Clawdbot's vector memory (LanceDB). Use when memory is bloated with junk, token usage is high from irrelevant auto-recalls, or setting up memory maintenance automation.</description>
    <location>~/.openclaw/workspace/skills/memory-hygiene/SKILL.md</location>
  </skill>
  <skill>
    <name>n8n-workflow-automation</name>
    <description>Designs and outputs n8n workflow JSON with robust triggers, idempotency, error handling, logging, retries, and human-in-the-loop review queues. Use when you need an auditable automation that won’t silently fail.</description>
    <location>~/.openclaw/workspace/skills/n8n-workflow-automation/SKILL.md</location>
  </skill>
  <skill>
    <name>nano-pdf</name>
    <description>Edit PDFs with natural-language instructions using the nano-pdf CLI.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/nano-pdf/SKILL.md</location>
  </skill>
  <skill>
    <name>node-connect</name>
    <description>Diagnose OpenClaw Android, iOS, or macOS node pairing, QR/setup code, route, auth, and connection failures.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/node-connect/SKILL.md</location>
  </skill>
  <skill>
    <name>obsidian</name>
    <description>Work with Obsidian vaults (plain Markdown notes) and automate via obsidian-cli.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/obsidian/SKILL.md</location>
  </skill>
  <skill>
    <name>ontology</name>
    <description>Typed knowledge graph for structured agent memory and composable skills. Use when creating/querying entities (Person, Project, Task, Event, Document), linking related objects, enforcing constraints, planning multi-step actions as graph transformations, or when skills need to share state. Trigger on "remember", "what do I know about", "link X to Y", "show dependencies", entity CRUD, or cross-skill data access.</description>
    <location>~/.openclaw/workspace/skills/ontology/SKILL.md</location>
  </skill>
  <skill>
    <name>openai-whisper</name>
    <description>Local speech-to-text with the Whisper CLI (no API key).</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/openai-whisper/SKILL.md</location>
  </skill>
  <skill>
    <name>pr-commit-workflow</name>
    <description>This skill should be used when creating commits or pull requests, enforcing a human-written PR structure, intent capture, and evidence in agentic workflows.</description>
    <location>~/.openclaw/workspace/skills/pr-commit-workflow/SKILL.md</location>
  </skill>
  <skill>
    <name>proactive-agent</name>
    <description>Transform AI agents from task-followers into proactive partners that anticipate needs and continuously improve. Now with WAL Protocol, Working Buffer, Autonomous Crons, and battle-tested patterns. Part of the Hal Stack 🦞</description>
    <location>~/.openclaw/workspace/skills/proactive-agent/SKILL.md</location>
  </skill>
  <skill>
    <name>protonmail</name>
    <description>ProtonMail integration via Proton Mail Bridge for reading and sending encrypted emails.</description>
    <location>~/.openclaw/workspace/skills/openclaw-protonmail/SKILL.md</location>
  </skill>
  <skill>
    <name>Self-Improving + Proactive Agent</name>
    <description>Self-reflection + Self-criticism + Self-learning + Self-organizing memory. Agent evaluates its own work, catches mistakes, and improves permanently. Use when (1) a command, tool, API, or operation fails; (2) the user corrects you or rejects your work; (3) you realize your knowledge is outdated or incorrect; (4) you discover a better approach; (5) the user explicitly installs or references the skill for the current task.</description>
    <location>~/.openclaw/workspace/skills/self-improving/SKILL.md</location>
  </skill>
  <skill>
    <name>skill-creator</name>
    <description>Create, edit, improve, tidy, review, audit, or restructure AgentSkills and SKILL.md files.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/skill-creator/SKILL.md</location>
  </skill>
  <skill>
    <name>taskflow</name>
    <description>Coordinate multi-step detached tasks as one durable TaskFlow job with owner context, state, waits, and child tasks.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/taskflow/SKILL.md</location>
  </skill>
  <skill>
    <name>taskflow-inbox-triage</name>
    <description>Example TaskFlow pattern for inbox triage, intent routing, waiting on replies, and later summaries.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/taskflow-inbox-triage/SKILL.md</location>
  </skill>
  <skill>
    <name>tavily</name>
    <description>AI-optimized web search using Tavily Search API. Use when you need comprehensive web research, current events lookup, domain-specific search, or AI-generated answer summaries. Tavily is optimized for LLM consumption with clean structured results, answer generation, and raw content extraction. Best for research tasks, news queries, fact-checking, and gathering authoritative sources.</description>
    <location>~/.openclaw/workspace/skills/tavily/SKILL.md</location>
  </skill>
  <skill>
    <name>tmux</name>
    <description>Remote-control tmux sessions for interactive CLIs by sending keystrokes and scraping pane output.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/tmux/SKILL.md</location>
  </skill>
  <skill>
    <name>vercel</name>
    <description>Deploy applications and manage projects with complete CLI reference. Commands for deployments, projects, domains, environment variables, and live documentation access.</description>
    <location>~/.openclaw/workspace/skills/vercel/SKILL.md</location>
  </skill>
  <skill>
    <name>video-frames</name>
    <description>Extract frames or short clips from videos using ffmpeg.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/video-frames/SKILL.md</location>
  </skill>
  <skill>
    <name>weather</name>
    <description>Get current weather, rain, temperature, and forecasts for locations or travel planning.</description>
    <location>/opt/homebrew/lib/node_modules/openclaw/skills/weather/SKILL.md</location>
  </skill>
  <skill>
    <name>yahoo-finance</name>
    <description>Get stock prices, quotes, fundamentals, earnings, options, dividends, and analyst ratings using Yahoo Finance. Uses yfinance library - no API key required.</description>
    <location>~/.openclaw/workspace/skills/yahoo-finance/SKILL.md</location>
  </skill>
</available_skills>