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AI Tools for Financial Advisors
AI tools for financial advisors to research investments, calculate retirement projections, analyze client risk profiles, and monitor market trends.
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Works in Chat, Cowork and Code
Conservative (4%)
Moderate (6%)
Aggressive (8%)
Retirement projection and planning
Calculate retirement projections based on current savings, contributions, life expectancy, and investment returns. Help clients understand if they're on track and what adjustments are needed.
Project retirement for a 40-year-old with $300K savings, $15K annual contribution, retiring at 67, expecting 6% returns and $80K annual spending.
At age 67: projected portfolio $1.85M (assuming 6% returns). Annual withdrawals: $80K (~4.3% SWR). Portfolio depletes age 92. Recommendation: increase contributions to $18K/yr or target 6.5% returns for 95+ age.
ToolRouter calculate_retirement
Portfolio Balance ($K)
Portfolio analysis and rebalancing
Analyze client portfolios: calculate asset allocation, risk exposure, diversification metrics, and performance vs. benchmarks. Identify rebalancing opportunities.
Analyze this portfolio: $150K US large-cap stocks, $50K international, $100K bonds. Risk tolerance: moderate. Current allocation: 60/20/20. Rebalancing needed?
Target allocation for moderate risk: 50% US (12% int'l), 38% bonds. Current is 60/20/20 (overweight stocks). Rebalance: move $25K from US to bonds. Int'l allocation looks good.
ToolRouter analyze_portfolio
Asset classCurrentTarget
US Large-Cap Stocks50% ($150K)38% ($114K)
International Stocks17% ($50K)12% ($36K)
Bonds33% ($100K)50% ($150K)
Rebalance moves $50K from equities to bonds · moderate risk target
Tax planning and loss harvesting
Identify tax-loss harvesting opportunities, calculate tax-saving impact, and plan tax-efficient investment strategies. Minimize client tax liability.
Client has $30K capital losses and $50K capital gains in their brokerage account. They're in the 22% tax bracket. Show tax-loss harvesting impact.
Net gain: $20K. At 15% LTCG rate: $3,000 tax. With loss harvesting: $20K loss carryforward, deduct $3K this year, carry $17K forward. Tax savings: ~$450-675 depending on future gains.
ToolRouter calculate_tax
Without Harvesting
Net gain $20K · tax at 15% LTCG = $3,000
With $30K Loss Harvested
Net gain $20K offset · deduct $3K this year · carry $17K forward
This Year Tax Savings
~$450 on the $3K annual deduction
Future Savings
$17K carryforward offsets future gains — ~$2,550 depending on rate
Stock and bond research
Research individual stocks and bonds: yields, dividends, credit ratings, performance metrics. Build recommendation lists with supporting data.
Find dividend stocks in the healthcare sector with yields above 3%, P/E under 18, and 5+ years dividend growth history.
Top 3: JNJ (yield 3.2%, P/E 16.2), PFE (yield 5.6%, P/E 12.8, strong dividend history), ABBV (yield 3.8%, P/E 14.1). All have stable dividends with growth.
ToolRouter research_stocks
TickerCompanyYield
JNJJohnson & Johnson3.2%
PFEPfizer5.6%
ABBVAbbVie3.8%
Healthcare sector · 3%+ yield · P/E <18 · 5+ years dividend growth
Ready-to-use prompts
Retirement projection
A 35-year-old wants to retire at 65 with $100K annual spending. Current savings: $150K. Monthly contribution: $1,500. Assume 5.5% annual return. Show projected portfolio value at retirement and longevity to age 95.
Portfolio rebalancing
Client portfolio: $200K total. Current: 70% stocks, 30% bonds. Target (age 55): 50% stocks, 50% bonds. Calculate rebalancing trades needed.
Tax loss harvesting
Client has $40K unrealized losses and $25K unrealized gains in taxable account. They're in 24% tax bracket. Calculate potential tax savings from loss harvesting.
Dividend stock screening
Find dividend-paying stocks with yields between 3.5% and 5%, dividend growth of 5%+ annually, and market cap over $10B.
Roth conversion analysis
Client: age 50, $400K traditional IRA, $120K income, 22% tax bracket. Calculate Roth conversion impact and tax cost for converting $100K.
College savings calculator
Parents have 10 years until college. Current 529 savings: $50K. Annual cost: $30K/year (4 years). Required return to fund 75% of costs?
Bond ladder analysis
Research investment-grade corporate bonds with maturities 2, 4, 6, and 10 years. Find yields and current market spreads for AAA and A-rated issuers.
Asset allocation by age
Create age-based asset allocation recommendations for a 45-year-old with moderate risk tolerance and moderate-to-aggressive for a 28-year-old.
Tools to power your best work
Stock MarketQuotes, history & analyst insights
Tax ReferenceUS tax brackets, rates & limits
Financial CalculatorDCF, bonds, options & portfolios
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Client financial plan development
Create comprehensive financial plans: assess current situation, project retirement, identify gaps, and recommend strategy.
Quarterly portfolio review and rebalancing
Review client portfolios quarterly: monitor performance, identify drift, execute rebalancing, and adjust for life changes.
Tax optimization planning
Implement tax-saving strategies: loss harvesting, Roth conversions, charitable giving, and strategic withdrawal sequencing.
Frequently Asked Questions
How accurate are retirement projections?
Retirement projections are based on your assumptions about returns, inflation, spending, and lifespan. They're helpful for planning but should be stress-tested with conservative (lower return) and aggressive scenarios. Rerun annually and adjust for actual performance.
Can I use these tools for tax-loss harvesting compliance?
Financial Calculator helps identify harvest opportunities and calculate savings, but you should document wash-sale rules (30-day window) and maintain trading records. Consult a tax professional for complex situations.
How often should I rebalance client portfolios?
Typical rebalancing frequency is quarterly or annually, depending on market volatility and client preferences. Tax-loss harvesting windows (year-end) are also good times to rebalance. Use threshold bands (e.g., 5% drift) to avoid over-trading.
Does this include options and derivatives analysis?
These tools focus on stocks, bonds, and mutual funds. For options, hedging, and derivatives strategies, consult specialized tools or work with a derivatives specialist on your team.
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Works in Chat, Cowork and Code