Agent Skills: portfolio-drift-rebalancer

Aggregates investment holdings across taxable brokerage, 401k, and HSA into a single asset-allocation view, computes drift versus a target allocation, and produces a tax-efficient rebalance proposal that prefers tax-advantaged accounts for the trades and never executes. Flags drift over 5 percentage points and free-money issues like missed 401k employer match. Use when reviewing portfolio allocation, planning a rebalance, computing drift, or when user mentions asset allocation, drift, rebalancing proposal, or 401k match.