Thread by @thisdudelikesAI

BREAKING: AI can now build financial plans like Goldman Sachs wealth advisors (for free).

Here are 12 insane Claude prompts that replace $5,000/hour financial planners (Save for later)

1. The Goldman Sachs Wealth Diagnostic

"You are a senior private wealth advisor at Goldman Sachs Private Wealth Management who builds comprehensive financial plans for clients with $10M+ in assets.

I need a complete financial health diagnostic that shows me exactly where I stand and what to fix first.

Diagnose:

- Net worth calculation: every asset and liability organized into a clear balance sheet
- Cash flow analysis: monthly income vs expenses with savings rate percentage
- Emergency fund assessment: how many months of expenses I have covered and the ideal target
- Debt analysis: every debt ranked by interest rate with optimal payoff strategy
- Insurance coverage audit: am I over-insured, under-insured, or paying for policies I don't need
- Investment allocation snapshot: current portfolio mix vs recommended allocation for my age and goals
- Retirement readiness score: am I on track to retire when I want with the lifestyle I want
- Tax efficiency check: am I leaving money on the table with poor tax planning
- Estate planning status: do I have the basic documents in place (will, power of attorney, beneficiaries)
- Financial health score: overall rating from 1-100 with the top 3 actions to improve it

Format as a Goldman Sachs Private Wealth-style financial diagnostic report with a summary scorecard and prioritized action plan.

My finances: [DESCRIBE YOUR AGE, INCOME, EXPENSES, DEBTS, SAVINGS, INVESTMENTS, INSURANCE, AND FINANCIAL GOALS]"

2. The Vanguard Retirement Planning Calculator

"You are the chief retirement strategist at Vanguard who designs retirement plans for millions of investors, from young professionals to executives approaching their final working years.

I need a complete retirement plan that tells me exactly how much to save, where to invest, and when I can retire.

Plan:

- Retirement number: the exact portfolio size I need to retire comfortably at my desired age
- Monthly savings target: how much I must save each month starting today to hit that number
- Investment allocation: exact portfolio mix (stocks, bonds, real estate) that changes as I age
- Account strategy: how much goes into 401K, IRA, Roth IRA, HSA, and taxable accounts each year
- Employer match optimization: am I capturing every free dollar from my employer's 401K match
- Social Security timing: when to claim for maximum lifetime benefit with scenario comparison
- Withdrawal strategy: how to pull money in retirement to make it last 30+ years without running out
- Inflation adjustment: how rising prices affect my retirement number and how to protect against it
- Healthcare cost projection: estimated medical expenses in retirement and how to plan for them
- Retirement income breakdown: exactly where each dollar comes from each month after I stop working

Format as a Vanguard-style retirement planning report with projection tables, savings milestones by age, and a withdrawal schedule.

My situation: [DESCRIBE YOUR AGE, CURRENT SAVINGS, INCOME, MONTHLY SAVINGS CAPACITY, DESIRED RETIREMENT AGE, AND LIFESTYLE EXPECTATIONS]"

3. The Morgan Stanley Investment Portfolio Architect

"You are a senior portfolio strategist at Morgan Stanley Wealth Management who constructs custom investment portfolios for high-net-worth clients balancing growth, income, and risk protection.

I need a complete investment portfolio built specifically for my goals, timeline, and risk tolerance.

Build:

- Asset allocation: exact percentages across US stocks, international stocks, bonds, real estate, and alternatives
- Specific fund and ETF picks: ticker symbols, expense ratios, and why each was selected
- Core vs satellite structure: stable foundation holdings vs higher-growth opportunity positions
- Risk profiling: match my portfolio aggressiveness to my actual financial situation, not just my emotions
- Diversification check: ensure no single stock, sector, or region can tank my entire portfolio
- Income layer: dividend stocks or bond funds that generate passive cash flow
- Growth layer: positions targeting long-term capital appreciation above market averages
- Rebalancing rules: exactly when and how to adjust the portfolio back to target weights
- Tax-location optimization: which funds go in taxable vs tax-advantaged accounts to minimize tax drag
- Benchmark tracking: what to compare my portfolio against and how to measure if I'm winning

Format as a Morgan Stanley-style investment policy statement with allocation tables, fund selection rationale, and a rebalancing calendar.

My profile: [DESCRIBE YOUR AGE, INVESTABLE ASSETS, RISK TOLERANCE, TIME HORIZON, INCOME NEEDS, AND ANY INVESTMENT PREFERENCES OR RESTRICTIONS]"

4. The Deloitte Tax Optimization Strategist

"You are a senior tax partner at Deloitte who saves high-income earners and business owners hundreds of thousands in taxes through legal strategies that most accountants never mention.

I need a complete tax optimization strategy that legally minimizes my tax bill this year and every year after.

Optimize:

- Current tax situation analysis: estimated tax liability under my current approach
- Tax bracket management: strategies to keep income in a lower bracket where possible
- Retirement contribution maximization: 401K, IRA, Roth conversions, and backdoor Roth strategies
- Tax-loss harvesting plan: sell losing investments strategically to offset gains and reduce taxes
- Business owner deductions: home office, vehicle, equipment, travel, and retirement plan strategies
- Income timing strategies: when to accelerate or defer income based on this year vs next year's rates
- Capital gains management: short-term vs long-term holding strategies to cut investment taxes in half
- Charitable giving optimization: donor-advised funds, appreciated stock donations, and bunching strategies
- HSA triple tax advantage: how to use a Health Savings Account as a stealth retirement account
- Estate and gift tax strategies: annual gifting, trusts, and generational wealth transfer tools

Format as a Deloitte-style tax planning memo with estimated savings per strategy, implementation steps, and a year-round tax calendar.

My tax situation: [DESCRIBE YOUR INCOME SOURCES, FILING STATUS, STATE, BUSINESS OWNERSHIP, INVESTMENTS, AND CURRENT DEDUCTIONS]"

5. The JPMorgan Debt Elimination Engineer

"You are a senior financial advisor at JPMorgan Private Bank who designs aggressive debt payoff strategies for clients wanting to become completely debt-free in the shortest time possible.

I need a complete debt elimination plan that shows me exactly how to pay off everything I owe.

Eliminate:

- Full debt inventory: every debt listed with balance, interest rate, minimum payment, and payoff date
- Strategy comparison: avalanche method (highest interest first) vs snowball method (smallest balance first) with exact math
- Monthly payment allocation: exactly how much goes to each debt each month for fastest payoff
- Extra payment impact analysis: how paying $100, $250, $500 extra per month changes my debt-free date
- Interest savings calculation: total interest paid under my current plan vs the optimized plan
- Refinancing opportunities: which debts could be refinanced to lower rates and the savings potential
- Debt consolidation analysis: would combining debts into one loan actually save me money or cost more
- Balance transfer strategy: using 0% APR cards to pause interest on high-rate credit card debt
- Income acceleration ideas: realistic ways to find extra money specifically directed at debt payoff
- Milestone celebration plan: mini rewards at each payoff milestone to maintain motivation

Format as a JPMorgan-style debt elimination roadmap with month-by-month payoff schedule, interest savings table, and a debt-free countdown tracker.

My debts: [LIST EVERY DEBT WITH BALANCE, INTEREST RATE, MINIMUM PAYMENT, AND YOUR MONTHLY INCOME AND AVAILABLE EXTRA CASH FOR DEBT PAYOFF]"

6. The Charles Schwab Emergency Fund and Cash Strategy

"You are a senior financial planning director at Charles Schwab who helps families build bulletproof financial safety nets that protect against job loss, medical emergencies, and economic downturns.

I need a complete cash management and emergency fund strategy.

Build:

- Emergency fund target: exact dollar amount I need based on my expenses, income stability, and family size
- Savings acceleration plan: how to build my emergency fund in 6-12 months without feeling broke
- Account placement strategy: where to park emergency cash for maximum interest while staying liquid
- High-yield savings comparison: best accounts right now ranked by APY, minimums, and access speed
- Cash tier system: immediate access fund vs 30-day access fund vs 90-day access fund explained
- Sinking funds: separate savings buckets for predictable big expenses (car repair, medical, travel)
- Automated savings system: set-and-forget transfers that build wealth while I sleep
- Cash vs investment decision: when cash savings are smarter than investing and vice versa
- Opportunity fund: money set aside specifically for investments or opportunities that appear unexpectedly
- Cash flow calendar: map every income and expense to specific dates to avoid overdrafts and optimize timing

Format as a Charles Schwab-style cash management plan with account recommendations, savings milestones, and an automated transfer schedule.

My situation: [DESCRIBE YOUR MONTHLY INCOME, EXPENSES, CURRENT SAVINGS, JOB STABILITY, DEPENDENTS, AND HOW QUICKLY YOU WANT YOUR EMERGENCY FUND BUILT]"

7. The Northwestern Mutual Insurance Audit

"You are a senior financial representative at Northwestern Mutual who conducts comprehensive insurance reviews ensuring families are fully protected without wasting money on unnecessary coverage.

I need a complete insurance audit that tells me exactly what coverage I need and what I'm overpaying for.

Audit:

- Life insurance needs analysis: exact coverage amount based on income replacement, debts, and dependents
- Term vs whole life comparison: which type I actually need with cost difference over 20 years
- Health insurance optimization: am I on the right plan for my usage patterns and anticipated needs
- Disability insurance check: am I protected if I can't work for 6 months or longer
- Auto and home insurance review: current coverage vs what I actually need with savings opportunities
- Umbrella liability assessment: do I need extra liability protection and how much
- Coverage gap identification: risks I'm currently exposed to with no insurance protection
- Beneficiary audit: are all my policies directing money to the right people
- Premium optimization: ways to reduce what I pay without reducing meaningful coverage
- Annual review calendar: when to shop for new rates and what triggers a coverage change

Format as a Northwestern Mutual-style insurance review document with a coverage summary table, gap analysis, and annual savings estimate.

My insurance: [DESCRIBE YOUR CURRENT POLICIES, FAMILY SIZE, INCOME, ASSETS, HEALTH STATUS, AND ANY COVERAGE CONCERNS]"

8. The Fidelity College Savings Architect

"You are a senior education savings strategist at Fidelity Investments who helps families build college funds that cover tuition at top universities without crippling the family's overall financial plan.

I need a complete college savings strategy for my children.

Plan:

- Total cost projection: estimated cost of 4-year college at public, private, and elite universities when my child enrolls
- 529 plan analysis: best state 529 plan for my situation with tax benefits calculated
- Monthly savings target: exact amount to save each month starting now to cover projected costs
- Investment allocation: age-based portfolio that shifts from aggressive to conservative as college approaches
- Financial aid strategy: how my savings and income affect financial aid eligibility and how to optimize
- Scholarship preparation: timeline and actions to maximize scholarship opportunities starting now
- Alternative savings vehicles: Coverdell ESA, custodial accounts, and Roth IRA as backup college funds
- Multi-child strategy: how to fund education for 2+ children without shortchanging retirement
- Grandparent contribution optimization: how family members can contribute with maximum tax benefits
- Worst-case plan: what to do if savings fall short (loans, community college transfer, work-study)

Format as a Fidelity-style education savings plan with cost projections, savings milestone tables, and an investment allocation timeline.

My family: [DESCRIBE YOUR CHILDREN'S AGES, TARGET SCHOOLS, CURRENT SAVINGS, MONTHLY SAVINGS CAPACITY, STATE OF RESIDENCE, AND INCOME]"

9. The Edward Jones Estate Planning Organizer

"You are a senior estate planning advisor at Edward Jones who ensures families protect their wealth, avoid probate, and pass assets to the next generation exactly as they intend with zero confusion or legal battles.

I need a complete estate planning checklist and strategy.

Organize:

- Essential documents checklist: will, trust, power of attorney, healthcare directive with status tracker
- Beneficiary audit: every account that has a beneficiary designation and whether they're current
- Asset titling review: how each asset is titled and whether it passes correctly at death
- Trust analysis: do I need a revocable living trust and what are the specific benefits for my situation
- Probate avoidance strategy: which assets go through probate and how to minimize or eliminate it
- Digital asset plan: passwords, online accounts, crypto, and digital property succession
- Guardian designation: who cares for minor children and how to make it legally binding
- Inheritance structure: outright gifts vs staged distributions vs trust-based inheritances
- Tax-efficient wealth transfer: gifting strategies, generation-skipping trusts, and charitable planning
- Letter of intent: personal wishes document covering funeral preferences, messages, and asset explanations

Format as an Edward Jones-style estate planning guide with a document checklist, beneficiary tracker, and an action plan for completing everything.

My estate: [DESCRIBE YOUR ASSETS, FAMILY STRUCTURE, EXISTING ESTATE DOCUMENTS, STATE OF RESIDENCE, AND WISHES FOR WEALTH DISTRIBUTION]"

10. The Wealthfront Real Estate Investment Analyzer

"You are a senior real estate investment analyst at Wealthfront who evaluates rental property deals and REITs for investors seeking passive income and long-term wealth building through real estate.

I need a complete analysis of whether a real estate investment makes financial sense.

Analyze:

- Cash flow projection: monthly rental income minus all expenses (mortgage, taxes, insurance, maintenance, vacancy)
- Cap rate calculation: annual net operating income divided by property price with benchmark comparison
- Cash-on-cash return: actual cash profit divided by total cash invested including down payment and closing costs
- Appreciation forecast: estimated property value growth over 5, 10, and 20 years in this market
- Rent vs buy comparison: if I'm evaluating my primary residence, which is actually cheaper long-term
- REIT alternative analysis: would investing in real estate funds give me better risk-adjusted returns
- Tax benefits calculation: depreciation, mortgage interest deduction, and 1031 exchange savings
- Vacancy and maintenance reserve: how much to set aside monthly for empty months and repairs
- Leverage analysis: how mortgage leverage amplifies both returns and risks
- Break-even timeline: when this investment starts making money after accounting for all costs

Format as a Wealthfront-style real estate investment analysis with cash flow tables, return projections, and a buy/pass recommendation.

My opportunity: [DESCRIBE THE PROPERTY PRICE, EXPECTED RENT, DOWN PAYMENT, LOCATION, CONDITION, AND YOUR INVESTMENT GOALS]"

11. The Ramsey Solutions Budget Builder

"You are a senior financial coach at Ramsey Solutions who has helped 10 million+ people take control of their money using zero-based budgeting and the proven baby steps framework.

I need a complete monthly budget that accounts for every dollar and builds wealth automatically.

Build:

- Zero-based budget: every dollar of income assigned a job so nothing slips through the cracks
- Needs vs wants audit: categorize every current expense as essential, important, or cuttable
- Spending reduction targets: specific dollar amounts to cut from the top 5 overspending categories
- Bill calendar: every recurring payment mapped to its due date to prevent late fees
- Savings automation: automatic transfers to emergency fund, investments, and sinking funds on payday
- Debt payment integration: budget line items for accelerated debt payoff built into the monthly plan
- Irregular expense planning: annual and quarterly expenses (insurance, subscriptions, gifts) spread monthly
- Lifestyle inflation prevention: rules for how to allocate raises and bonuses without inflating spending
- Spending tracking system: simple method to monitor actual vs budgeted spending weekly
- Budget review process: monthly 15-minute check-in routine to adjust and improve the plan

Format as a Ramsey Solutions-style zero-based budget template with category breakdowns, automation setup instructions, and a monthly review checklist.

My finances: [DESCRIBE YOUR MONTHLY TAKE-HOME PAY, LIST ALL EXPENSES YOU CAN THINK OF, DEBTS, SAVINGS GOALS, AND SPENDING HABITS YOU WANT TO CHANGE]"

12. The BlackRock Lifetime Financial Roadmap

"You are the chief financial planning officer at BlackRock who builds decade-by-decade financial roadmaps for clients from their first paycheck to their last day on earth, ensuring money never becomes a source of stress.

I need a complete lifetime financial plan covering every decade of my financial life.

Map:

- Current decade priorities: the 3 most important financial moves to make right now
- Net worth milestones: target net worth at age 30, 40, 50, 60, and 70 based on my income trajectory
- Income growth strategy: how to increase earning power through career moves, skills, and side income
- Savings rate progression: how my savings percentage should increase as income grows
- Investment evolution: how my portfolio shifts from aggressive growth to income and preservation over time
- Major purchase planning: home, cars, education, and lifestyle upgrades on a timeline that doesn't derail retirement
- Financial independence number: the exact portfolio value where work becomes optional
- Legacy planning: how much wealth I want to leave behind and the strategy to build it
- Risk timeline: which financial risks matter most at each life stage and how to protect against them
- One-page financial dashboard: the 5 numbers to track every month that tell me if I'm on track

Format as a BlackRock-style lifetime financial roadmap with decade milestones, net worth projections, and a single-page tracking dashboard.

My life: [DESCRIBE YOUR AGE, INCOME, NET WORTH, FAMILY PLANS, CAREER TRAJECTORY, BIGGEST FINANCIAL GOALS, AND WHAT FINANCIAL FREEDOM MEANS TO YOU]"

I hope this was helpful to you.

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