Skip to content

Dogfooding: Financial Goals

This document outlines potential workflows using the Meta Agent Platform to help manage finances, track investments, and achieve financial goals.

1. Enhanced Budgeting & Expense Tracking

Automate the process of tracking spending, categorizing expenses, and monitoring budget adherence.

Workflow:

  1. Fetch Transactions: An agent connects securely to a financial data aggregation service (e.g., Plaid, Teller, or directly to bank APIs if available and permitted) on a schedule (e.g., daily).
  2. Categorize Expenses: A categorization agent (potentially using rules, regex, or an LLM for smarter categorization) assigns categories to new transactions. It might require a HITL step initially for uncategorized or ambiguous transactions to learn preferences.
  3. Update Budget: An agent updates a budget spreadsheet (Google Sheets, Excel), database, or dedicated budgeting app via its API with the categorized transactions.
  4. Monitor & Alert: Another agent compares spending in categories against predefined budget limits. If a limit is approached or exceeded, a notification agent sends an alert (e.g., email, SMS, app notification).

Potential Agents:

  • Financial Data Aggregation Agent (Plaid, Teller, Bank API)
  • Transaction Categorization Agent (Rule-based, LLM-based)
  • Human-in-the-Loop (HITL) Agent (for categorization review)
  • Spreadsheet API Agent / Database Agent / Budgeting App API Agent
  • Logic/Rule Agent (for budget limit checks)
  • Notification Agent

Diagram:

graph TD
    subgraph Budgeting Workflow
        A[Schedule: Fetch Transactions (Plaid/Bank API)] --> B[Categorize Transactions (AI/Rules)];
        B --> C{Needs Review?};
        C -- Yes --> D[HITL: Review Categorization];
        D --> E[Update Budget (Spreadsheet/DB/App)];
        C -- No --> E;
        E --> F[Check Budget Limits];
        F --> G{Limit Approaching/Exceeded?};
        G -- Yes --> H[Send Alert];
        G -- No --> I[End Cycle];
        H --> I;
    end

2. Investment Opportunity Monitoring & Research

Automate the monitoring of financial markets and gathering of research based on predefined criteria.

Workflow:

  1. Monitor Markets: Agents monitor various sources based on user criteria:
    • Stock prices/indices via financial data APIs (e.g., Alpha Vantage, IEX Cloud).
    • Cryptocurrency prices via crypto exchange APIs.
    • Financial news feeds (e.g., RSS, specific news APIs) for keywords or company mentions.
    • SEC filings (EDGAR database).
  2. Trigger Conditions: A logic agent checks if predefined conditions are met (e.g., stock price drops X%, specific news keyword appears, new filing for a watched company).
  3. Gather Information (On Trigger): If a condition is met, other agents can be triggered to:
    • Fetch detailed financial data for the asset.
    • Gather recent news articles related to the asset/company.
    • Summarize the findings.
  4. Alert/Report: A notification agent sends an alert with the key information and summary, or compiles findings into a periodic research digest.

Potential Agents:

  • Financial Data API Agent (Stocks, Crypto)
  • News API Agent / RSS Agent
  • SEC EDGAR API Agent
  • Web Scraper Agent (for specific sites)
  • Logic/Rule Agent
  • Summarization Agent
  • Notification Agent / Report Generation Agent

3. Subscription Management & Audit

Identify and review recurring subscriptions to potentially cut costs.

Workflow:

  1. Scan Transactions: An agent periodically scans financial transactions (obtained via Plaid/Bank API as in Budgeting workflow) specifically looking for recurring charges that indicate subscriptions. This might involve pattern matching on merchant names and amounts.
  2. Identify Potential Subscriptions: The agent compiles a list of potential recurring subscriptions.
  3. Present for Review (HITL): The list is presented to the user via a notification or a simple web interface generated by an agent. The user reviews the list and marks subscriptions they want to keep or investigate further/cancel.
  4. Track Decisions (Optional): The user's decisions can be stored to avoid repeatedly asking about the same known subscriptions.

Potential Agents:

  • Financial Data Aggregation Agent
  • Pattern Recognition/Logic Agent (for identifying recurring payments)
  • HITL Agent / Simple UI Generation Agent
  • Database/Storage Agent (to remember decisions)
  • Notification Agent

4. Financial Goal Tracking

Monitor progress towards specific financial goals like saving for a down payment or retirement contributions.

Workflow:

  1. Define Goals: User defines financial goals within the platform or an external tool (e.g., target amount, deadline, associated accounts).
  2. Fetch Account Balances: An agent periodically fetches balances from relevant accounts (savings, investment accounts via APIs).
  3. Calculate Progress: A logic agent calculates the progress towards each goal based on current balances and targets.
  4. Report/Visualize: An agent updates a dashboard, sends a progress report, or generates visualizations showing progress over time.
  5. Alert on Milestones/Issues: Notify the user upon reaching milestones or if progress is off track compared to the plan.

Potential Agents:

  • Goal Definition Agent / Configuration Agent
  • Financial Data Aggregation Agent / Bank API Agent
  • Logic/Calculation Agent
  • Dashboard API Agent / Report Generation Agent / Charting Agent
  • Notification Agent

5. Portfolio Rebalancing Alert

Monitor investment portfolio allocation and alert when rebalancing is needed.

Workflow: Fetch current holdings & values (Brokerage API/Plaid) -> Compare current allocation against target allocation percentages (defined by user) -> If deviation exceeds threshold (e.g., +/- 5%), calculate suggested trades for rebalancing -> Send alert with suggested trades (HITL for execution). Potential Agents: Brokerage API/Financial Data Agent, Logic/Calculation Agent, Notification Agent, HITL Agent.

6. Bill Payment Reminder & Automation

Avoid late fees by automating bill reminders and potentially payments.

Workflow: Scan emails/calendar for upcoming bill due dates (Email API, Calendar API) OR connect to bill pay service API -> Send reminder notifications X days before due date -> Optionally, trigger payment via Bank API or Bill Pay API after user confirmation (HITL). Potential Agents: Email API, Calendar API, Bill Pay API, Logic/Rule Agent, Notification Agent, HITL, Bank API Agent.

7. Credit Score Monitoring & Alerting

Track credit score changes and get alerted to significant events.

Workflow: Connect to credit monitoring service API (e.g., Credit Karma, Experian - requires user credentials/API key) -> Fetch credit score and report changes periodically -> Alert user on significant score changes or new alerts (e.g., new account opened, inquiry). Potential Agents: Credit Monitoring API Agent, Logic/Rule Agent, Notification Agent.

8. Tax Document Aggregation

Automate the collection of necessary documents for tax preparation.

Workflow: Scan email for tax forms (1099s, W2s - Email API with specific filters) -> Connect to brokerage/bank APIs to download relevant statements/forms -> Aggregate files into a designated folder (File Writer/Cloud Storage API) -> Notify user when collection period ends. Potential Agents: Email API, Brokerage/Bank API Agent, File Writer/Cloud Storage API, Notification Agent.

9. Financial News Sentiment Analysis

Gauge market sentiment based on financial news headlines or articles.

Workflow: Monitor financial news sources (News API/RSS) -> Analyze sentiment of articles related to specific stocks, sectors, or the market overall (Sentiment Analysis Agent/LLM) -> Generate a daily/weekly sentiment score or trend report. Potential Agents: News API/RSS Agent, Sentiment Analyzer/LLM, Report Generator/Charting Agent.

10. Large Purchase Savings Goal Planner

Help plan and track savings towards a specific large purchase (e.g., car, house down payment).

Workflow: User defines goal (amount, target date) -> Agent calculates required monthly/weekly savings -> Track progress based on linked savings account balance (Bank API/Plaid) -> Adjust required savings based on actual progress -> Provide motivational nudges or alerts if off track. Potential Agents: Goal Definition Agent, Logic/Calculation Agent, Bank API/Financial Data Agent, Notification Agent.

11. Automated Expense Report Generation (Personal/Freelance)

Simplify creating expense reports from receipts or transactions.

Workflow: User uploads receipts (Vision/OCR Agent) or agent fetches business-tagged transactions (Financial Data Agent) -> Extract relevant details (Merchant, Date, Amount, Category) -> Populate expense report template (Spreadsheet/Templating Agent) -> Submit for review (HITL/Email). Potential Agents: Vision/OCR Agent, Financial Data Agent, LLM/Rule Agent (for extraction), Spreadsheet/Templating Agent, HITL/Email Agent.

12. Cryptocurrency Portfolio Tracking & Alerting

Monitor crypto holdings across multiple exchanges/wallets.

Workflow: Connect to exchange APIs (Binance, Coinbase) and wallet addresses (Blockchain Explorer API) -> Aggregate total holdings per asset -> Track total portfolio value -> Alert on significant price changes for specific assets or overall portfolio value thresholds. Potential Agents: Crypto Exchange API Agent, Blockchain Explorer API Agent, Logic/Calculation Agent, Notification Agent.

13. Debt Paydown Strategy Simulation

Simulate different debt payoff strategies (snowball vs. avalanche).

Workflow: User inputs debt details (balances, interest rates, minimum payments) -> Agent simulates payoff timelines and total interest paid for different strategies (Snowball, Avalanche) -> Present comparison -> Track progress if user chooses a strategy. Potential Agents: Input Agent, Logic/Simulation Agent, Reporting/Charting Agent, Progress Tracking Agent.

14. Insurance Policy Review Reminder

Remind user to review insurance policies before renewal dates.

Workflow: User inputs policy details (type, provider, renewal date, premium) -> Agent sets reminder X days before renewal (Calendar/Reminder Agent) -> Optionally, fetch quotes from competitor APIs or aggregators for comparison -> Present reminder with comparison data. Potential Agents: Input Agent, Calendar/Reminder Agent, Insurance Quote API/Web Scraper Agent, Notification Agent.

15. Financial Literacy Content Curator

Find and deliver personalized financial education content.

Workflow: User defines areas of interest (e.g., investing basics, retirement planning) -> Agent monitors reputable financial blogs, news sites, academic sources (RSS/Web Scraper/API) -> Filter and summarize relevant articles/videos -> Deliver curated content digest periodically. Potential Agents: RSS/Web Scraper/API Agent, Filter/Logic Agent, Summarization Agent, Notification/Email Agent.