Retirement Account Syncing Skill

Retirement Account Syncing

Data source: CSV-only (no live path yet)

Unlike the other syncing skills, retirement accounts do not use the sync-first + DB-read pattern. The Vanguard IRAs / brokerage and the Fidelity 401(k) are not authorized in SnapTrade (only the one taxable-margin Fidelity account is routed in config/snaptrade-accounts.yaml). So there is no live API snapshot to refresh into family_office.db for these accounts, and CSV exports remain the only source. This is a deliberate, documented exception to the shared Sync-First + DB-Read pattern.

Prerequisite for a live path (before this skill can become DB-backed):

Authorize the Vanguard and Fidelity retirement institutions in SnapTrade.
Add each resulting account to config/snaptrade-accounts.yaml with a role set and enabled: true.
Extend the positions sync (or a retirement-specific sync) to write those accounts into the DB, then rewrite this skill to Step 0 refresh + DB-read.

Until all three are done, do not fabricate a live path: use the CSV workflow below.

Purpose

Parse Vanguard and Fidelity retirement account CSV exports and report current holdings and quantities.

⚠️ This skill currently has no persistent destination. The Google Sheets DataHub it used to write to was retired 2026-07-31, and family_office.db has no retirement table because these accounts are not in SnapTrade. Until the three prerequisites above are met, this skill parses and reports only. Do not claim holdings were "synced" anywhere.

When to Use

Use this skill when:

Syncing retirement account positions from notebooks/retirement-accounts/
User mentions: "sync retirement", "update retirement", "vanguard sync", "401k update", "IRA sync"
Working with files in notebooks/retirement-accounts/ directory

Source Files

Location: notebooks/retirement-accounts/

| File | Source | Contents | |------|--------|----------| | OfxDownload.csv | Vanguard IRAs | Account <ira-1> & <ira-2> holdings | | OfxDownload (1).csv | Vanguard Brokerage | Account <brokerage-1> & <brokerage-2> holdings | | Portfolio_Positions_*.csv | Fidelity 401(k) | {employer_name} 401(k) Plan holdings |

CSV Formats

Vanguard OFX Format (OfxDownload.csv)

Account Number,Investment Name,Symbol,Shares,Share Price,Total Value,
<account-number>,VANGUARD S&P 500 INDEX ETF,VOO,18.1817,629.3,11441.74,

Key Fields:

Column 3: Symbol
Column 4: Shares (quantity)

Fidelity 401k Format (Portfolio_Positions_*.csv)

Account Number,Account Name,Symbol,Description,Quantity,Last Price,...
86689,{employer_name} 401(K) PLAN,FGCKX,FID GROWTH CO K,4.447,$50.04,...

Key Fields:

Column 3: Symbol
Column 5: Quantity

Known retirement tickers

Holdings seen across the Vanguard IRAs, Vanguard brokerage, and Fidelity 401(k): VOO, VUG, VTSAX, SCHG, PLTR, NVDA, TSLA, VB, ARKK, VMFXX, FGCKX, FXAIX.

Mary's Goucher 403(b) and Principal 401(k) allocations are tracked separately in fin-guru/data/user-profile.yaml and the strategy docs, not through this skill.

Core Workflow

1. Read All CSV Files

# Read Vanguard files
vanguard_1 = read_csv("notebooks/retirement-accounts/OfxDownload.csv")
vanguard_2 = read_csv("notebooks/retirement-accounts/OfxDownload (1).csv")

# Read latest Fidelity file (by date in filename)
fidelity = read_csv("notebooks/retirement-accounts/Portfolio_Positions_*.csv")

2. Aggregate Holdings by Ticker

Since the same ticker can appear in multiple accounts, SUM all quantities:

holdings = {}
for file in [vanguard_1, vanguard_2, fidelity]:
    for row in file:
        ticker = row['Symbol']
        shares = float(row['Shares'] or row['Quantity'])
        holdings[ticker] = holdings.get(ticker, 0) + shares

Expected Aggregations:

VOO: Sum across accounts (IRA + Brokerage)
VUG: Sum across accounts
PLTR: Sum across accounts (<brokerage-1> + <brokerage-2>)
SCHG: Sum across accounts
VMFXX: Sum across accounts (all money market)
VTSAX: Sum across accounts

3. Report the aggregated holdings

Present ticker and total quantity as a table in the response. There is no destination to write to, so the report IS the deliverable.

Safety Checks

Before reporting:

Verify all 3 CSV files exist in notebooks/retirement-accounts/
Note the export date of each CSV; flag anything older than 30 days
Call out any ticker not previously seen in the known-tickers list

Large Change Warning (>20%): if any quantity moved more than 20% since the last reported figures, show the diff and confirm with the user before treating the numbers as accurate.

Post-Update Validation

Verify:

[ ] All quantities updated correctly
[ ] Formulas in columns C+ still working
[ ] Total retirement value approximately matches sum of CSV totals
[ ] No formula errors introduced

Log Summary:

Updated 12 retirement positions:
- VOO: 214.7947 shares
- VUG: 13.0652 shares
- VTSAX: 228.462 shares
...
Total Retirement Value: ~$387,806

Critical Rules

WRITABLE Column

Column B: Quantity ONLY

DO NOT TOUCH

Column A: Tickers (pre-set)
Columns C-S: All formulas

Row Mapping

Retirement section starts at row 46 (after header at row 45). Rows 46-62 are reserved for retirement holdings.

Trigger Keywords

"sync retirement"
"update retirement"
"retirement accounts"
"vanguard sync"
"401k update"
"IRA sync"
"retirement quantities"

Educational purposes only. Not investment advice. Retirement holdings reported here are parsed from broker CSV exports and are only as current as the export; verify against your plan provider before acting. Consult licensed financial and tax professionals.

Skill Type: Domain (workflow guidance) Enforcement: SUGGEST Priority: Medium

Agent Skills: Retirement Account Syncing

Install this agent skill to your local

Skill Files