evan-moon/firma

What's new

firma brief / get_brief — three new sections

GOAL TRACKING — compares how your portfolio is tracking toward your retirement goal (set via set_profile). Shows target net worth, current value, CAGR needed, and CAGR actual from snapshot history. On-track status and projected net worth are shown only after 90+ days of snapshots; short histories get an (Xd history — indicative) note to avoid misleading extrapolations.

RISK SUMMARY — Sharpe ratio, Sortino ratio, annualized return, annualized volatility, max drawdown, and win rate computed from your snapshot history. Risk-free rate pulled from FRED (FEDFUNDS) when available.

TAX OUTLOOK — lists positions with unrealized losses that could be used to offset capital gains (tax-loss harvesting candidates). Shows hold days and short/long-term classification per position.

Four new insight types

goal_gap, drawdown_alert, tax_opportunity, risk_regime_fit — cross-referenced and surfaced in the INSIGHTS block when relevant.

firma doctor — Goal profile check

Now shows whether your profile (retirement target year, target net worth, risk tolerance) is configured, with a fix hint if incomplete.

Bug fixes

• Brief cache invalidation: Stale caches that predate the v0.18 fields (MACRO TODAY, MACRO SIGNALS, RISK SUMMARY) are now properly rejected and regenerated.
• Tax outlook hold days: Was always 0 — now also scans deposit-type transactions to find the earliest acquisition date.
• Projected net worth: Suppressed when snapshot history is < 90 days to avoid astronomically large numbers from short-window CAGR extrapolation.