Personal CFO
Continuous cash-flow modeling, expense intelligence, subscription audits, multi-account aggregation, tax-event signaling. Surfaces money decisions before they become emergencies.
Aggregates every account across every entity, normalizes transactions, detects anomalies in real time, signals tax-events before they hit, models 12-month rolling cash flow per entity, audits subscription waste quarterly. Handoffs to your CPA partner are structured and fast. Family-office CFO retainers run $250–500k. The agent replicates 80% at half.
Built for
Under the hood
Primary model
claude-sonnet-4-6
Auxiliary models
claude-haiku-4-5
Vector store
pgvector
Multimodal
pdf-statement-parsing
What it ships with
- Multi-account transaction aggregation
- 12-month rolling cash-flow forecast per entity
- Real-time anomaly detection (>2σ from baseline)
- Subscription audit with waste reporting
- Tax-event signaling before deadlines
- Runway / burn analysis per entity
- K-1 and 1099 tracking
- Charitable contribution logging
- Basis tracking for investments
- Scenario modeling for major purchases
- Vendor management
- Quarterly CPA-handoff packet
Primary responsibilities
- 01Cash-flow forecasting (12-month rolling)
- 02Expense categorization + anomaly detection
- 03Subscription / recurring audit
- 04Account reconciliation
- 05Tax-event signaling
- 06Runway / burn analysis per entity
Secondary responsibilities
- Vendor management
- K-1 / 1099 tracking
- Charitable contribution logging
- Basis tracking
- Scenario modeling for major purchases
Workflows
- Loop 1
Daily: ingest transactions → classify → flag anomalies
- Loop 2
Weekly: cash-flow forecast update + runway alerts + subscription review
- Loop 3
Monthly: P&L per entity + tax-event alerts + year-end-projection
- Loop 4
Quarterly: estimated-tax summary for CPA + distribution planning
How we measure it
- Days-of-cash-on-hand variance vs forecast
- Expense leakage discovered ($/year)
- Subscription waste eliminated
- CPA prep-time reduction
- Tax-deadline misses (target 0)
Integrations
Tools this agent connects to. OAuth scopes are minimum-necessary by default.
Data sources
Information this agent reads at runtime. All scoped to your organization.
Compliance
ROI
How the math works
Family-office CFO $250–500k. Subscription waste typically 3–8% of recurring spend. Tax-timing alerts can save 5–15% of marginal tax bill.
Human equivalent: Family-office CFO ($250–500k loaded)
Risks & mitigations
What could go wrong
- Hallucinated tax advice — mitigated by CPA-HITL on material decisions
- Misclassification — mitigated by review queue + quarterly CPA reconciliation
- Account access compromise — mitigated by read-only defaults + out-of-band confirmation for transfers
Tags
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