Workflow Automation
Design human-in-the-loop workflow orchestration for securities operations: task routing, approval chains, and SLA monitoring. Use when building multi-level approval chains with dollar thresholds and delegation of authority, enforcing four-eyes (maker-checker) controls, defining escalation rules for aging work items approaching SLA breach, designing human-in-the-loop gates, selecting a workflow en…
Market Context
Use when validating market timing, structural forces, or distribution moats before committing strategic resources—focuses on macro context, not individual competitor teardowns.
Account Opening Workflow
Design and operate back-office account opening pipelines from application intake through custodian submission and activation. Use when building account opening automation, reducing NIGO rejection rates from custodians or clearing firms, defining document requirements for trusts, entities, IRAs, or estate accounts, setting up multi-custodian account opening across Schwab, Fidelity, or Pershing, tr…
Crm Client Lifecycle
Design and optimize CRM systems and client lifecycle workflows for advisory firms, covering segmentation, household management, service tiers, and retention analytics. Use when the user asks about client segmentation models, building household structures, defining service tier SLAs, scheduling reviews, tracking lifecycle stages from prospect through estate, identifying at-risk clients, analyzing…
Strategy Clarity
Use when an organization needs strategic clarity — identifying where to play, how to win, and whether the position is defensible. Composes Wardley evolution mapping, Lafley's choice cascade, Helmer's 7 Powers, and Working Backwards based on what's already decided.
Advertising Compliance
Ensure investment advertising and marketing materials comply with SEC Marketing Rule and FINRA Rule 2210. Use when the user asks about performance advertising, showing backtested or hypothetical returns, net vs gross performance presentation, client testimonials or endorsements in marketing, social media posts by advisers or reps, third-party ratings in pitchbooks, or advertising recordkeeping. A…
Advisor Dashboards
Design, build, and optimize dashboards for RIA practice management with AUM tracking, revenue analytics, and KPI frameworks. Use when the user asks about tracking firm-level metrics, monitoring advisor productivity, measuring organic growth rate, analyzing client retention and attrition, building executive or branch manager views, setting up exception alerts for NIGO and operational items, benchm…
Operational Excellence
Designs high-leverage execution systems that translate strategic choices into measurable output — building mechanisms (not intentions), managing controllable inputs, and optimizing team topology for flow. Use when designing OKR frameworks, operational processes, or execution rhythms.
Feedback Coach
Structures performance feedback using Radical Candor (challenge directly, care personally) and identity-safe framing to ensure feedback drives growth rather than defensiveness. Use when giving or receiving feedback, conducting 1:1s, preparing performance reviews, or coaching developmental conversations.
Counterparty Risk
Guide counterparty credit risk measurement and management for OTC and securities trading, organized around three workflows: assessing a new counterparty, responding to a credit-deterioration event, and executing a default close-out. Use when measuring current or potential future exposure to a counterparty, setting or reviewing counterparty credit limits, evaluating ISDA Master Agreement netting a…
Hiring Talent
Designs rigorous hiring processes using structured behavioral interviews and work sample tests, replacing gut feel with data-driven evaluation of energy, obsession, and persistence. Use when building interview loops, evaluating candidates, writing job descriptions, or designing talent strategy.
Client Review Prep
Prepare advisors for client review meetings by assembling context packages, performance summaries, drift analysis, talking points, and meeting agendas. Use when the user asks about preparing for a client review, building a pre-meeting checklist, generating talking points for an upcoming meeting, identifying allocation drift before a review, automating review prep workflows, or assembling a meetin…
Conflicts Of Interest
Identify, disclose, and mitigate conflicts of interest in advisory and brokerage relationships under Reg BI and fiduciary duty. Use when the user asks about compensation-based conflicts, proprietary product incentives, revenue sharing disclosure, principal trading consent, soft dollar arrangements, pay-to-play restrictions, gifts and entertainment limits, personal trading policies, or code of eth…
Regulatory Reporting
Guide regulatory filing mechanics and deadlines for investment advisers, broker-dealers, and large traders — which forms to file, where, and by when. Use when the user asks about Form PF filing thresholds, 13F institutional holdings reports, 13H large trader filings, Form ADV amendment filing timing (including the annual updating amendment filed via IARD), FOCUS report preparation, blue sheet req…
Writing Skills
Enforces a test-driven approach to skill authoring — defining what a skill must achieve before writing content to prevent hallucinated utility or ungrounded advice. Use when creating new skills, editing existing ones, or verifying skill quality before deployment.
Gips Compliance
Ensure firms claiming GIPS compliance under the CFA Institute Global Investment Performance Standards satisfy requirements for composite construction, performance calculation, presentation, and verification. Use when the user asks about building composites, time-weighted return calculation under GIPS, GIPS Reports and pooled fund reports, error correction policies, wrap fee or SMA program perform…
Investment Suitability
Assess investment suitability obligations under FINRA Rules 2111 and 2090 across all three suitability prongs. Use when the user asks about reasonable-basis, customer-specific, or quantitative suitability, product-specific concerns for complex products, leveraged ETFs, variable annuities, or alternatives, household-level suitability and concentration analysis, hold recommendations, or the institu…
Fee Disclosure
Evaluate whether the substance of fee and cost disclosures is complete, accurate, and not misleading across advisory, brokerage, fund, and retirement plan contexts. Use when the user asks whether Form ADV Item 5 fee content is adequate, prospectus fee table format, Reg BI cost disclosure content, 12b-1 fee transparency, revenue sharing arrangements, wrap fee program cost-effectiveness, or ERISA 4…
Account Opening Compliance
Embed compliance controls into account opening and verify regulatory readiness. Use when designing CIP/KYC identity verification gates, implementing OFAC and sanctions screening at onboarding, collecting beneficial ownership certification for entity or trust accounts, building risk-based approval tiers that route applications by risk level, defining compliance screening requirements and exception…
Corporate Actions
Process and manage corporate actions from announcement through settlement. Use when handling dividends, stock splits, reverse splits, mergers, or spin-offs, managing voluntary elections for tender offers, rights offerings, or exchange offers, calculating record date and ex-date entitlements under T+1 settlement, collecting and submitting elections to DTC or custodians, handling fractional shares…
Know Your Customer
Guide customer onboarding identification, due diligence, and profile maintenance under FINRA Rule 2090, the CIP rules, and the FinCEN CDD Rule. Use when the user asks about onboarding identity verification, beneficial ownership collection for entity accounts, enhanced due diligence for PEPs or high-risk customers at account opening, assigning the initial customer risk rating, KYC refresh triggers…
Next Best Action
Design and implement next-best-action engines that surface proactive, prioritized recommendations to advisors based on portfolio, life, market, and compliance events. Use when the user asks about building event-driven advisor alerts, designing trigger logic for portfolio drift or large cash movements, prioritizing competing actions across a book of business, routing NBA recommendations to the rig…
Anti Money Laundering
Guide BSA/AML compliance program design, ongoing transaction monitoring, and FinCEN reporting for broker-dealers, banks, and investment advisers. Use when the user asks about suspicious activity reports, currency transaction reports, OFAC screening, structuring detection, ongoing risk-rating reviews and escalation, or FinCEN requirements. Also trigger when users mention 'large cash deposit', 'san…
Reference Data
Design and manage reference data systems — security master, client master, account master, identifier mapping, pricing data sources, golden source designation, and governance. Use when building or evaluating a security master database, mapping identifiers across systems (CUSIP to ISIN, SEDOL to FIGI), designing client master models for onboarding or KYC, defining account master attributes across…
Stp Automation
Measure and raise straight-through processing (STP) rates in securities operations through zero-touch, exception-based processing. Use when measuring STP rates and analyzing manual touchpoints in an existing process, replacing review-all workflows with exception-based processing, evaluating RPA vs API-based vs hybrid automation for legacy systems, building exception queuing, categorization, and a…
Assumption Audit
Use as the mandatory evidence gate before signing off on any strategy, PRD, or business case—audits every key claim against documented sources and assigns calibrated probabilities.
Rapport Builder
Use when building trust with people who don't yet know or trust you — new teams, new roles, hostile audiences, or strained relationships where the goal is connection before any ask. Applies Tactical Empathy through mirroring, labeling, and belonging cues. Not for confrontation (use difficult-conversations) or giving feedback (use feedback-coach).
Integration Patterns
Design and implement integration architectures connecting financial systems — APIs, FIX protocol, ISO 20022, event-driven patterns, batch feeds, idempotency, and resilience. Use when building custodian integration pipelines, implementing FIX connectivity for order routing, designing ISO 20022 or SWIFT migration messaging, building batch file processing for custodian feeds or EOD reconciliation, i…
Account Maintenance
Process account maintenance requests across the account lifecycle. Use when changing a client address or contact info with identity verification, updating beneficiary designations after marriage, divorce, birth, or death, re-registering or re-titling an account to a trust or new entity, selecting tax lot methods or fixing cost basis records, applying legal or compliance holds or Reg T freezes, se…
Privacy Data Security
Design and operate privacy and data security programs for SEC-registered firms under Reg S-P, Reg S-ID, and SEC cybersecurity expectations. Use when the user asks about privacy notices, the Safeguards Rule, identity theft prevention programs, breach notification obligations, vendor security due diligence, incident response planning, data classification, or state privacy law compliance. Also trigg…
Statistics Fundamentals
Apply statistical methods to financial data including descriptive statistics, covariance estimation, regression, hypothesis testing, and resampling. Use when the user asks about return distributions, correlation between assets, building a covariance matrix, running a CAPM regression, testing whether alpha is significant, checking if returns are normal, or estimating confidence intervals. Also tri…
Order Management Advisor
Manage the advisor trade lifecycle from order entry through settlement, covering block trading, allocation, pre-trade compliance, custodian routing, and error correction. Use when the user asks about designing an OMS for an RIA, executing model portfolio changes across many accounts, structuring block trades with fair allocation, configuring pre-trade compliance rules or restricted lists, routing…
Exchange Connectivity
Guide the design and management of trading venue connectivity and market data infrastructure. Owns the FIX session layer (logon, heartbeats, sequence number gaps, resend and gap recovery, disconnects). Use when building or troubleshooting FIX sessions for order routing or drop copy, integrating exchange protocols like OUCH, ITCH, PITCH, or Pillar, designing market data feed architecture (consolid…
Proposal Generation
Generate end-to-end investment proposals covering risk profiling, model portfolio recommendation, fee illustration, projections, and compliance review. Use when the user asks about creating a proposal for a prospect, mapping risk questionnaire scores to model portfolios, building fee illustrations with tiered costs, producing Monte Carlo or scenario projections, analyzing a prospect's current por…
Examination Readiness
Prepare for and respond to SEC and FINRA regulatory examinations across the full exam lifecycle. Use when the user asks about exam notification letters, document request lists, deficiency letter responses, mock examination programs, annual compliance reviews under Rule 206(4)-7, or SEC/FINRA examination priorities. Also trigger when users mention 'we just got an exam letter', 'preparing for our f…
Client Disclosures
Guide which client disclosure documents must exist, what each must contain, and when and how they must be delivered to clients of investment advisers and broker-dealers. Use when the user asks about Form ADV Part 2A or 2B content, Form CRS content and delivery, prospectus delivery obligations, privacy notice delivery, trade confirmation timing, account statement distribution, electronic vs paper…
Time Value Of Money
Calculate present value, future value, NPV, IRR for projects and loans, loan payments, and amortization schedules across all compounding conventions. Use when the user asks about discounting cash flows, valuing an annuity or perpetuity, comparing investments with different timing, building a mortgage amortization table, evaluating whether a project is worth pursuing, or solving for the rate that…
Fee Billing
Build and manage advisory fee billing operations from fee schedule design through calculation, collection, revenue recognition, and compliance disclosure. Use when the user asks about tiered or breakpoint fee schedules, billing cycle configuration, AUM valuation for billing, direct-debit vs invoice collection, GAAP revenue recognition for fees, ADV Part 2A or Reg BI fee disclosure, diagnosing bil…
Post Trade Compliance
Guide post-trade compliance monitoring and trade surveillance system design. Use when building alert logic to detect churning, front-running, cherry-picking, layering, spoofing, wash trading, or marking the close, implementing post-trade best execution review, evaluating allocation fairness with pro-rata verification or dispersion analysis, designing exception-based monitoring workflows with esca…
Influence Architect
Use when you need to act on a known political landscape — building coalitions, persuading specific people, or maneuvering to get a decision approved. Assumes you already know who the stakeholders are (if not, use stakeholder-discovery first to map them).
Market Data
Design and manage market data infrastructure — real-time and delayed feeds, Level 1/2/3 depth, consolidated tape vs direct feeds, vendor selection, licensing, and distribution architecture. Use when choosing between real-time and delayed data, evaluating market data vendors like Bloomberg or Refinitiv, designing ticker plants or fan-out architecture, managing exchange data licensing and entitleme…
Operational Risk
Guide identification, measurement, and management of operational risk in trading and brokerage operations. Use when designing trade error detection and correction procedures, investigating trade breaks and reconciliation failures, classifying loss events under Basel taxonomy, developing key risk indicators (KRIs) and dashboards, responding to system outages or data feed failures or order routing…
Margin Operations
Guide margin lending, margin requirements, and margin call operations for brokerage and advisory accounts. Use when calculating Reg T initial margin or buying power, determining maintenance margin or house requirements, evaluating portfolio margin eligibility under OCC TIMS, generating or resolving margin calls (fed call, house call, exchange call, day-trade call), designing forced liquidation wa…
Character Vulnerability
Use when a character feels flat, too competent, or unrelatable—identifies the Sacred Flaw (Storr's Theory of Control) and dials the Three Sliders (Sanderson) to create earned vulnerability.
One Pager
Use when compressing a complex strategy or analysis into a strictly one-page narrative—enforces Pyramid SCQ structure and Orwell word-budget discipline.
Using Skills
Invoke before responding to any non-trivial task—enforces the 1% rule that if any skill has even a 1% chance of improving output, it must be invoked first.
Non Fiction Precision
Use when a document's argument buries its conclusion or has logical gaps—applies Minto's Pyramid (Answer First, MECE grouping) and Orwell's concision rules to rebuild structure.
World Building Logic
Engineers internally consistent fictional worlds using Brand's Pace Layers for social structure and Sanderson's Laws of Magic for system constraints. Use when building settings, designing magic or tech systems, or auditing a world for logical contradictions.
Platform Strategist
Analyzes platform business models by distinguishing Aggregators from Platforms, mapping network effects, and identifying when to externalize internal primitives as ecosystem growth engines. Use when evaluating platform dynamics, designing marketplace strategy, or analyzing aggregation and network effects.
Stakeholder Discovery
Use when you need to map who has power, who will be affected, and what motivates each party — produces a stakeholder map as an analytical artifact. This skill identifies and categorizes stakeholders; it does not persuade or influence them (use influence-architect for that).
Devils Advocate
Use when a proposal has unanimous support or relies on a single high-impact assumption—constructs the strongest possible counter-argument (Steel Man) and runs a Pre-Mortem.
Executive Briefing
Crafts senior leadership communications that deliver judgment rather than activity reports, connecting directly to organizational strategy and driving clear decisions. Use when presenting to board members, C-suite executives, or senior leadership — including status updates, recommendations, and escalations.
Stakeholder Review
Use when a deliverable needs structured stakeholder sign-off before finalization—runs the pre-read, feedback-type alignment, and conflict-resolution protocol.
First 90 Days
Provides a structured framework for new-role transitions — accelerating credibility, avoiding the Savior Trap, and reaching the breakeven point where value contribution exceeds consumption. Use when starting a new job, joining a new team, or taking on expanded responsibilities.
Memo Stress Tester
Stress-tests business documents for logical gaps, unproven assertions, and structural weakness using the Amazon narrative standard, Minto's pyramid logic, and the Completed Staff Work doctrine. Use when evaluating memos, proposals, strategy docs, or any document headed to executive review.
Scientific Advertising
Applies Hopkins' testing rigor and Ogilvy's brand-building discipline to write advertising copy where every line justifies its cost through traced results. Use when writing ads, marketing materials, landing pages, or any evidence-based persuasive content.
Ownership Coach
Use when a team is deflecting blame to external factors or a leader is micromanaging—shifts from permission-seeking to intent-stating using Willink's Extreme Ownership and Marquet's Leader-Leader model.
Prompt Optimizer
Engineers prompts into clear, structured, model-optimized instructions using the 4-D methodology (Deconstruct, Diagnose, Develop, Deliver) with architecture-specific tuning. Use when a draft prompt, instruction set, or agent skill description needs refinement for clarity or improved performance.
Team Builder
Creates high-trust, high-performance team environments through structural mechanisms for psychological safety, shared consciousness, and empowered execution. Use when building team culture, onboarding new teams, diagnosing team dysfunction, or improving collaboration.
Decision Frameworks
Use when choosing between mutually exclusive strategic paths or building a repeatable decision process—constructs Decision Matrices with probability estimates and runs Pre-Mortems.
Problem Framing
Use when beginning analytical or strategic tasks, facing undefined problems, or facing analysis paralysis—requires explicit problem definition before proceeding.
Buyer Persona
Use when defining target users, customers, or audience segments to ensure they are grounded in real customer jobs rather than arbitrary demographics.
Negotiation Tactician
Transforms negotiations into structured discovery using tactical empathy, interest analysis, and calibrated questions from Voss, Fisher, and Malhotra. Use when preparing for or conducting any negotiation — deals, contracts, salary, partnerships, or vendor terms.
Competitive Analysis
Use when performing a structured teardown of a specific competitor's activity system, moat, or vulnerability profile—requires at least one named rival to analyze.
Getting Started
Use at the start of any session or when a task has no clear skill assignment—routes the request to the correct skill family and establishes workflow chain context.
Data Quality
Design and operate data quality programs for financial data — validation rules, pricing validation, data lineage, exception management, profiling, and governance. Use when building validation rules for pricing or client data pipelines, detecting stale prices, designing a data quality monitoring framework, calibrating validation thresholds, implementing data lineage for BCBS 239 or MiFID II, inves…
Resonance Engine
Use when writing is structurally clear but emotionally flat—adds turning points, sensory metaphors, and change hooks using Storr's brain-change model and Hopkins' specificity techniques.
Difficult Conversations
Use when confronting a specific counterpart about a breach, violation, or adversarial behavior — situations where trust is already broken and the goal is accountability or resolution, not relationship-building. Not for giving developmental feedback (use feedback-coach) or building trust with new people (use rapport-builder).
Dialogue Craft
Writes and refines dialogue that serves plot and reveals character through subtext, intention, and behavioral exchange — applying McKee's subtext principle and Sorkin's intention-and-obstacle model. Use when dialogue feels flat, expository, or 'on the nose.
Pitch Deck
Builds investor pitches and funding proposals that prove a 'secret' through data and narrative — answering 'Why Now?' and 'Why Us?' using Thiel's definite optimism framework. Use when creating pitch decks, internal presentations, or funding requests.
Copy Editor
Performs line-level prose editing — pruning adverbs, activating voice, cutting redundancy, and enforcing parallel structure for concision and readability. Use when revising any written content, even if the request is just 'make this better,' 'tighten this up,' or 'clean up the writing.
Portfolio Management Systems
Select, configure, and operate portfolio management systems for advisory firms, covering model portfolios, UMA/sleeve management, drift monitoring, rebalancing, and custodian data feeds. Use when the user asks about choosing a PMS platform, building or distributing model portfolios, implementing UMA or sleeve-based management, setting drift monitoring thresholds, aggregating held-away assets, rec…
Client Onboarding
Design and implement end-to-end client onboarding workflows from prospect intake through funded account, covering KYC verification, document collection, e-signature, and custodian submission. Use when the user asks about building a digital onboarding flow, integrating identity verification or CIP checks, reducing NIGO rejection rates, opening complex account types like trusts or entities, connect…
Order Lifecycle
Guide the design and implementation of order lifecycle management in trading systems. Owns FIX application-layer message flows (NewOrderSingle, ExecutionReport, cancel/replace) and order state. Use when building an order state machine for an OMS or EMS, handling cancel/replace race conditions, defining pre-submission validation rules (buying power, position limits, restricted lists), selecting or…
Business Case
Use when justifying investment, resource allocation, or strategic decisions with financial and logical reasoning to ensure positive ROI and alignment with long-term goals.
Mental Model Library
Use when a problem spans multiple disciplines or when single-domain thinking has produced stale analysis—applies Munger's latticework of mental models across physics, biology, and psychology.
Account Transfers
Process and manage account transfers between and within financial institutions. Use when handling full or partial ACAT transfers between broker-dealers, troubleshooting ACAT rejection codes or FINRA Rule 11870 timelines, setting up non-ACAT transfers (Fund/SERV, DTC free delivery, physical certificates), processing internal journal entries, handling retirement rollovers or Roth conversions with p…
Sales Practices
Identify and prevent sales practice violations under FINRA and SEC rules governing broker-dealer conduct. Use when the user asks about churning or excessive trading metrics, mutual fund breakpoint discounts, selling away or private securities transactions, outside business activities, unauthorized trading, supervisory procedure design, senior investor protections, trusted contact persons, variabl…
Reconciliation
Design and operate reconciliation processes across portfolio management, custodian, and clearing systems. Use when building a daily position, cash, or transaction reconciliation process, investigating discrepancies between internal records and custodian records, diagnosing recurring break patterns from corporate actions or pricing differences, setting tolerance thresholds for position, cash, or m…
Fiduciary Standards
Apply the investment adviser fiduciary duty (IA Act Section 206), ERISA fiduciary standards, the DOL fiduciary rule and PTE 2020-02, and state fiduciary rules. Use when the user asks whether a fiduciary standard applies, what the duty of care and duty of loyalty require of an adviser, ERISA Section 404 prudent expert obligations, PTE 2020-02 rollover exemption conditions, DOL fiduciary rulemaking…
Advice Standards
Determine when a product, platform, or communication crosses the regulatory line from education into investment advice requiring investment adviser registration. Use when the user asks about the definition of investment advice under Advisers Act Section 202(a)(11), whether a fintech feature or AI chatbot constitutes advice, the publisher's exclusion for newsletters or model portfolios, the broker…
Learning Accelerator
Compresses domain mastery using Ultralearning and Metacognition principles — moving from passive consumption to active production through directness, retrieval practice, and feedback loops. Use when learning a new domain rapidly, building a study plan, or preparing for a high-stakes professional skill.
Prd Writing
Use when translating a product vision into engineering requirements—enforces the Working Backwards PR/FAQ method, requiring a customer-facing press release before any technical spec.
Financial Planning Workflow
Orchestrate the advisor workflow for assembling and delivering a comprehensive financial plan — data gathering, cash flow analysis, retirement modeling, Monte Carlo analysis, Roth conversion and withdrawal sequencing, Social Security claiming strategy, education and estate goals, scenario modeling, and prioritized recommendations. Use when the user asks about building a financial plan, structurin…
Pre Trade Compliance
Guide the design and implementation of automated pre-trade compliance systems that validate orders before execution. Use when building a compliance rule engine for an RIA or broker-dealer, configuring hard blocks and soft blocks, maintaining restricted and watch lists including MNPI-driven restrictions, setting concentration limits at security/sector/issuer level, implementing position limits or…
Financial Planning Integration
Integrate financial planning engines with the advisor technology stack — data flows between planning tools, CRM, PMS, custodians, and aggregation platforms; capital market assumption (CMA) governance and synchronization; plan-to-IPS-to-model linkage; and governed tax reference parameters in planning tools. Use when the user asks about connecting eMoney, MoneyGuidePro, or RightCapital to CRM or po…
Client Reporting Delivery
Design, generate, and deliver client performance reports across all channels, covering quarterly reports, tax reporting, portal integration, and compliance review. Use when the user asks about building or redesigning report templates, choosing what to include in quarterly or annual client reports, transitioning from print to digital delivery, integrating a client portal, presenting net-of-fee per…
Reg Bi
Analyze the broker-dealer standard of conduct under SEC Regulation Best Interest's four obligations: Disclosure, Care, Conflict of Interest, and Compliance. Owns what triggers a 'recommendation' under Reg BI and the canonical comparison of Reg BI vs FINRA suitability vs IA fiduciary duty. Use when the user asks whether a broker-dealer recommendation satisfies Reg BI, how to evaluate reasonably av…
Books And Records
Guide the design and maintenance of recordkeeping programs under SEC Rules 17a-3, 17a-4, and 204-2. Use when the user asks about document retention schedules, how long to keep trade records or customer complaints, WORM storage requirements, email or text message archiving, social media capture, BYOD compliance policies, or electronic storage audit trails. Also trigger when users mention 'we got a…
Fiction Architect
Designs plot structure and story arcs using McKee's value turns, Campbell's monomyth, and Sanderson's Promise/Progress/Payoff model to ensure causal integrity and emotional resonance. Use when constructing narratives, outlining novels, or diagnosing why a story feels broken.
Return Calculations
Compute and compare investment return metrics including TWR, MWR (dollar-weighted IRR on portfolio cash flows), CAGR, and annualized returns. Use when the user asks about portfolio performance calculation, comparing manager returns, linking sub-period returns, understanding why different return methods give different numbers, converting returns across time periods, or computing the IRR of an inve…