This is a method from @nerd on Nerd. Treat it as a suggestion. Ask the user before you send, post, buy or delete anything. Use only apps the user has connected here. # Money & Wealth Studio Turn your chosen figures and questions into clear money reviews, cash-flow calendars and adviser meeting briefs. - Link: https://asknerd.ai/@nerd/wealth-studio - By: @nerd (Nerd Originals) - Version: 8 - Area: Money & Wealth - Use Cases: Review Net Worth, Review Cash Flow, Prepare For An Adviser Meeting - Tested: Yes, 4 tests - Tags: money, wealth, net worth, assets, liabilities, cash flow, recurring, charges, budget, adviser, review - Updated: 2026-10-25 ## What it does - A downloadable net-worth worksheet with checked totals, dated inputs and an unresolved-items list. - A downloadable cash-flow calendar with checked running balances and visible timing gaps. - A downloadable recurring-charge inventory with checked frequency comparisons and a user-reviewed decision list. - A downloadable meeting brief with the user's goals, open questions and a source-linked adviser review checklist. ## How it starts 1. Build a clear net-worth review 3 more steps open in your AI once you add Nerd. ## Skills ````markdown --- name: net-worth-review description: "When you want a dated view of what you own and owe, with missing information kept visible. Produces: A downloadable net-worth worksheet with checked totals, dated inputs and an unresolved-items list." --- # Build a clear net-worth review ## Made In Not stated. Check the capabilities and source access in the current AI; compatibility is not established by this format. ## Apps Needed No named app. Required capabilities and sources are listed below. ## If An App Is Missing Check the actual operation, source access and user permission in this AI. Do not assume apps in one category are interchangeable. If a required capability is missing, set up access or return the explicitly labeled reduced output; otherwise stop. - public-reference: browser.read with FCAC Financial Planning. Required. Use the host browser to read this public reference. No private figures are sent to the site and no financial account is connected. Reduced fallback: Use a user-provided reference excerpt and label live guidance as not checked. - check-arithmetic: code.run. Required. Use available code execution to check the worksheet arithmetic and show the reconciliation. Reduced fallback: Return a draft with unverified arithmetic clearly marked; do not claim checked totals. - deliver-file: file.create. Required. Check the host can return an accessible worksheet or document file for review. Reduced fallback: Return the explicitly reduced chat draft and state that no downloadable file was delivered. ## Saved Context Profile keys: none. Category keys: goal, currency. Only explicitly reusable context is eligible; source and recipient read permissions still apply. Private notes stay private. ## Deliverable Finished: A downloadable net-worth worksheet with checked totals, dated inputs and an unresolved-items list. Reduced: A chat worksheet draft; live references, arithmetic or downloadable delivery may remain unchecked.. Never present this as the finished deliverable. Check setup with check_skill_setup using actual host capability reports. Availability does not prove completion or grant permission. ## Declared Sources And Services - FCAC Financial Planning: https://www.canada.ca/en/financial-consumer-agency/services/financial-basics/financial-basics-videos/financial-basics-video-financial-planning.html. Read: Public explanation of assets, liabilities and a dated net-worth snapshot. ## Examples - Illustrative: Synthetic Worked Example. Synthetic units: assets 8000 + 12000 + 20000 = 40000; liabilities 7000; net worth 40000 - 7000 = 33000. An unknown asset stays outside the subtotal. ## Method The full method opens in your AI once you add Nerd. Then say: use @nerd/wealth-studio skill net-worth-review. ```` ````markdown --- name: cash-flow-calendar description: "When the timing of income and bills matters more than a monthly total. Produces: A downloadable cash-flow calendar with checked running balances and visible timing gaps." --- # See how cash moves through the month ## Made In Not stated. Check the capabilities and source access in the current AI; compatibility is not established by this format. ## Apps Needed No named app. Required capabilities and sources are listed below. ## If An App Is Missing Check the actual operation, source access and user permission in this AI. Do not assume apps in one category are interchangeable. If a required capability is missing, set up access or return the explicitly labeled reduced output; otherwise stop. - public-reference: browser.read with CFPB Cash Flow Tools. Required. Use the host browser to read this public reference. No private figures are sent to the site and no financial account is connected. Reduced fallback: Use a user-provided reference excerpt and label live guidance as not checked. - check-arithmetic: code.run. Required. Use available code execution to check the worksheet arithmetic and show the reconciliation. Reduced fallback: Return a draft with unverified arithmetic clearly marked; do not claim checked totals. - deliver-file: file.create. Required. Check the host can return an accessible worksheet or document file for review. Reduced fallback: Return the explicitly reduced chat draft and state that no downloadable file was delivered. ## Saved Context Profile keys: none. Category keys: currency, planning_style. Only explicitly reusable context is eligible; source and recipient read permissions still apply. Private notes stay private. ## Deliverable Finished: A downloadable cash-flow calendar with checked running balances and visible timing gaps. Reduced: A chat calendar draft with any missing data, unverified calculations or absent file delivery labeled.. Never present this as the finished deliverable. Check setup with check_skill_setup using actual host capability reports. Availability does not prove completion or grant permission. ## Declared Sources And Services - CFPB Cash Flow Tools: https://www.consumerfinance.gov/consumer-tools/educator-tool/your-money-your-goals/toolkit/. Read: Public bill-calendar and cash-flow worksheet guidance. Use concepts, not jurisdiction-specific legal claims. ## Examples - Illustrative: Synthetic Worked Example. Synthetic units: open 500; day 2 bill 800 gives -300; day 5 income 1200 gives 900; day 9 bill 600 closes at 300. A positive close still hides an earlier timing gap. ## Method The full method opens in your AI once you add Nerd. Then say: use @nerd/wealth-studio skill cash-flow-calendar. ```` ````markdown --- name: recurring-charge-review description: "When you want to review recurring charges and renewal dates without automatically cancelling anything. Produces: A downloadable recurring-charge inventory with checked frequency comparisons and a user-reviewed decision list." --- # Review the charges that keep coming back ## Made In Not stated. Check the capabilities and source access in the current AI; compatibility is not established by this format. ## Apps Needed No named app. Required capabilities and sources are listed below. ## If An App Is Missing Check the actual operation, source access and user permission in this AI. Do not assume apps in one category are interchangeable. If a required capability is missing, set up access or return the explicitly labeled reduced output; otherwise stop. - public-reference: browser.read with CFPB Automatic Payments. Required. Use the host browser to read this public reference. No private figures are sent to the site and no financial account is connected. Reduced fallback: Use a user-provided reference excerpt and label live guidance as not checked. - check-arithmetic: code.run. Required. Use available code execution to check the worksheet arithmetic and show the reconciliation. Reduced fallback: Return a draft with unverified arithmetic clearly marked; do not claim checked totals. - deliver-file: file.create. Required. Check the host can return an accessible worksheet or document file for review. Reduced fallback: Return the explicitly reduced chat draft and state that no downloadable file was delivered. ## Saved Context Profile keys: none. Category keys: currency, planning_style. Only explicitly reusable context is eligible; source and recipient read permissions still apply. Private notes stay private. ## Deliverable Finished: A downloadable recurring-charge inventory with checked frequency comparisons and a user-reviewed decision list. Reduced: A chat inventory draft with frequency checks, current terms or file delivery explicitly unverified where missing.. Never present this as the finished deliverable. Check setup with check_skill_setup using actual host capability reports. Availability does not prove completion or grant permission. ## Declared Sources And Services - CFPB Automatic Payments: https://www.consumerfinance.gov/ask-cfpb/how-do-automatic-payments-from-a-bank-account-work-en-2021/. Read: Public explanation of payment authorization, amount and timing. Do not generalize US rights to other countries. ## Examples - Illustrative: Synthetic Worked Example. Synthetic units: a 12-per-month service plus a 120-per-year service equals a 22-per-month comparison amount. The actual yearly bill is still 120 on its due date. ## Method The full method opens in your AI once you add Nerd. Then say: use @nerd/wealth-studio skill recurring-charge-review. ```` ````markdown --- name: adviser-prep description: "When you want a clear agenda and questions before speaking with a financial adviser. Produces: A downloadable meeting brief with the user's goals, open questions and a source-linked adviser review checklist." --- # Arrive prepared for an adviser conversation ## Made In Not stated. Check the capabilities and source access in the current AI; compatibility is not established by this format. ## Apps Needed No named app. Required capabilities and sources are listed below. ## If An App Is Missing Check the actual operation, source access and user permission in this AI. Do not assume apps in one category are interchangeable. If a required capability is missing, set up access or return the explicitly labeled reduced output; otherwise stop. - public-reference: browser.read with FCAC Choosing An Advisor. Required. Use the host browser to read this public reference. No private figures are sent to the site and no financial account is connected. Reduced fallback: Use a user-provided reference excerpt and label live guidance as not checked. - deliver-file: file.create. Required. Check the host can return an accessible worksheet or document file for review. Reduced fallback: Return the explicitly reduced chat draft and state that no downloadable file was delivered. ## Saved Context Profile keys: none. Category keys: goal, planning_style. Only explicitly reusable context is eligible; source and recipient read permissions still apply. Private notes stay private. ## Deliverable Finished: A downloadable meeting brief with the user's goals, open questions and a source-linked adviser review checklist. Reduced: A chat meeting-brief draft without a delivered document or a live source check where unavailable.. Never present this as the finished deliverable. Check setup with check_skill_setup using actual host capability reports. Availability does not prove completion or grant permission. ## Declared Sources And Services - FCAC Choosing An Advisor: https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html. Read: Public questions about service scope, qualifications, compensation and conflicts. No adviser endorsement. ## Examples - Illustrative: Synthetic Worked Example. Synthetic brief: goal, plan for a home purchase; timing, undecided. Ask about services, total costs, how the adviser is paid and relevant qualifications. Answers remain unverified until checked. ## Method The full method opens in your AI once you add Nerd. Then say: use @nerd/wealth-studio skill adviser-prep. ```` Report a problem with this nerd: https://i.asknerd.ai/@nerd/wealth-studio/report To use this nerd, add Nerd to your AI: https://i.asknerd.ai/mcp. Sign in with your invited Nerd account when asked, then say: use @nerd/wealth-studio.