wealth-uhnwlisted

# UHNW Family Office Skill Pack (`wealth-uhnw`) This skill pack equips AI agents (**Claude Code, Devin, Cursor, Antigravity, OpenAI Codex**) to structure collars on concentrated positions, track private equity commitments, and frame the wider planning conversations for Ultra-High-Net-Worth ($10M+) clients and family offices. --- ## Engine-Backed Capabilities | Capability | Engine function | CLI | |---|---|---| | Collar strikes, net premium and effective floor/cap from supplied option quotes, zero-cost test, and IRC §1259 review flag | `calculateCollarStrategy` | `uhnw collar` | | Private equity multiples: TVPI/MOIC, DPI, RVPI and unfunded commitment | `calculatePeMetrics` | `uhnw pe-metrics` | | Private fund IRR from dated capital calls and distributions | `calculateMoneyWeightedReturn` | `portfolio irr` | ## Guidance Only (No Engine Support) - Covered-call overlays and exchange funds (§721 partnerships) - J-curve capital-call and distribution forecasting - Generation-skipping transfer planning with GRATs, IDGTs and CRTs - Donor-advised funds and private foundations ## Limits to State With Every Result - The engine does not price options. Whether a collar is zero-cost is unknown (`null`) until you supply live put and call premiums. - Every collar needs tax counsel review for constructive-sale treatment under IRC §1259. No rule defines a safe band; spreads under roughly 15–20% of the share price are a common practitioner warning sign and are flagged as `narrowBand`. -