6 specialist financial agents for analysis, budgeting, modeling, treasury, accounting, and metrics. Dispatch when you need deep financial expertise.
The ring-finance-team plugin provides 6 specialized financial agents. Use them via Task tool with subagent_type:.
See CLAUDE.md and using-ring for canonical workflow requirements and ORCHESTRATOR principle. This skill introduces finance-team-specific agents.
Remember: Follow the ORCHESTRATOR principle from using-ring. Dispatch agents to handle complexity; don't operate tools directly.
Domain Distinction:
ALWAYS pause and report blocker for:
| Decision Type | Examples | Action |
|---|---|---|
| Accounting Standards | GAAP vs IFRS treatment | STOP. Report options and implications. Wait for user. |
| Valuation Method | DCF vs Comparable vs Precedent | STOP. Report trade-offs. Wait for user. |
| Forecast Methodology | Top-down vs Bottom-up | STOP. Check existing patterns. Ask user. |
| Materiality Threshold | What constitutes material | STOP. This is a management decision. Ask user. |
| Recognition Timing | When to recognize revenue/expense | STOP. Requires judgment. Ask user. |
You CANNOT make financial judgment decisions autonomously. STOP and ask.
| Misconception | Reality |
|---|---|
| "I can calculate this myself" | ORCHESTRATOR principle: dispatch specialists, don't calculate directly. This is NON-NEGOTIABLE. |
| "Simple ratio, no specialist needed" | Ratio interpretation requires context. Specialists have standards loading. MUST dispatch. |
| "Just need a quick estimate" | Quick estimates without documentation create liability. DISPATCH is REQUIRED. |
| "I know finance well enough" | Specialists have financial standards loading. You don't. MUST dispatch. |
| "Faster if I calculate myself" | Faster ≠ auditable. Specialist output follows documentation standards. DISPATCH is REQUIRED. |
Self-sufficiency bias check: If you're tempted to calculate directly, ask:
If ANY answer is yes -> You MUST DISPATCH the specialist. This is NON-NEGOTIABLE.
If you catch yourself thinking ANY of these, STOP:
| Rationalization | Why It's WRONG | Required Action |
|---|---|---|
| "This is a simple calculation, no need for specialist" | Simplicity doesn't reduce documentation requirements. | DISPATCH specialist |
| "I already know how to calculate this ratio" | Your knowledge ≠ auditable documentation by specialist. | DISPATCH specialist |
| "Dispatching takes too long for just numbers" | Quality > speed. Specialist documents all assumptions. | DISPATCH specialist |
| "I'll just estimate and note it's approximate" | Estimates without basis create liability. | DISPATCH specialist |
| "The specialist will just do what I would do" | Specialists have financial anti-rationalization. You don't. | DISPATCH specialist |
| "This doesn't need full documentation" | ALL financial work needs documentation. No exceptions. | Follow documentation standards |
| "I've already done 80% of the analysis" | Past work doesn't justify wrong approach. Dispatch specialist, verify compliance. | STOP. DISPATCH specialist. Accept sunk cost. |
| "Quick draft first, proper analysis later" | Drafts become finals. Standards apply to ALL work. | DISPATCH specialist BEFORE any calculation |
These requirements are NON-NEGOTIABLE:
| Requirement | Why It Cannot Be Waived |
|---|---|
| Dispatch to specialist | Specialists have standards loading, you don't |
| Assumption documentation | Undocumented assumptions create liability |
| Source verification | Unverified data leads to wrong conclusions |
| Independent verification | Single-point-of-failure in calculations |
| Audit trail | Missing trails fail audits |
User cannot override these. Time pressure cannot override these. "Quick estimate" cannot override these.
When facing pressure to bypass specialist dispatch:
| User Says | Your Response |
|---|---|
| "Board meeting in an hour, no time for specialist" | "I understand the urgency. However, specialists ensure auditable documentation. I'll dispatch with URGENT context. This takes 5-10 minutes, not hours." |
| "You've already done 80% of this analysis" | "Sunk cost doesn't justify wrong approach. The 80% may lack proper documentation. I MUST dispatch the specialist to verify compliance." |
| "CFO said you don't need the specialist for this" | "I respect the CFO's experience, but Ring standards require specialist dispatch. Specialists have financial standards that ensure audit readiness." |
| "This is just internal analysis, no specialist needed" | "Internal analysis becomes external evidence. Every analysis MUST follow documentation standards. I CANNOT calculate without specialist dispatch." |
| "Just round to the nearest million, don't be precise" | "Rounding decisions require documented rationale. I'll dispatch specialist to determine appropriate precision." |
Critical Reminder:
| Agent | Specializations | Use When |
|---|---|---|
financial-analyst | Ratio analysis, trend analysis, benchmarking, variance analysis, financial statement analysis | Financial health assessment, performance analysis, investment evaluation |
budget-planner | Budget creation, forecasting, variance analysis, rolling forecasts, zero-based budgeting | Annual budgets, departmental budgets, budget-to-actual analysis |
financial-modeler | DCF models, LBO models, merger models, scenario analysis, sensitivity analysis | Valuation, investment analysis, strategic planning, M&A |
treasury-specialist | Cash flow forecasting, liquidity management, working capital, FX exposure, debt management | Cash position, liquidity planning, treasury operations |
accounting-specialist | Journal entries, reconciliations, close procedures, GAAP/IFRS compliance, audit support | Month-end close, year-end close, accounting entries, compliance |
metrics-analyst | KPI definition, dashboard design, performance metrics, data visualization, anomaly detection | Executive dashboards, KPI tracking, performance monitoring |
Dispatch template:
Task tool:
subagent_type: "{agent-name}"
model: "opus"
prompt: "{Your specific request with context}"
Both can be used together: Use finance specialists for analysis, then finops specialists for regulatory formatting.
If you need multiple specialists (e.g., financial-analyst + budget-planner), dispatch in parallel (single message, multiple Task calls):
CORRECT:
Task #1: financial-analyst
Task #2: budget-planner
(Both run in parallel)
WRONG:
Task #1: financial-analyst
(Wait for response)
Task #2: budget-planner
(Sequential = 2x slower)
Remember:
"I need a DCF valuation. Let me dispatch
financial-modelerto build it."
"I'll calculate the DCF myself and just note my assumptions."
Agents: See "6 Financial Specialists" table above.
Skills:
using-finance-team (this) - Plugin introductionfinancial-analysis - Comprehensive financial analysis workflowbudget-creation - Budget planning and forecasting workflowfinancial-modeling - Financial model building workflowcash-flow-analysis - Cash flow and liquidity workflowfinancial-reporting - Financial report preparation workflowmetrics-dashboard - KPI and metrics workflowfinancial-close - Month/year-end close workflowCommands:
/analyze-financials - Run financial analysis/create-budget - Create budget or forecast/build-model - Build financial modelNote: Missing agents? Check .claude-plugin/marketplace.json for ring-finance-team plugin.
| Workflow | Entry Point | Output |
|---|---|---|
| Financial Analysis | /analyze-financials | Analysis report with findings |
| Budget Creation | /create-budget | Budget document with assumptions |
| Financial Model | /build-model | Model with scenarios and sensitivity |
Key Principle: All financial work follows documentation and verification standards.
Dispatch based on your need: