Update to Yield Clarity

{
  "description": "Answer questions about the person's Yield Clarity financial plan (net worth, holdings, spending, forecast, financial independence date, what-ifs, Monte Carlo odds, portfolio history) using the Yield Clarity tools.",
  "included_files": [],
  "name": "yield-clarity",
  "skill_md_contents": "---\nname: yield-clarity\ndescription: Answer questions about the person's Yield Clarity financial plan (net worth, holdings, spending, forecast, financial independence date, what-ifs, Monte Carlo odds, portfolio history) using the Yield Clarity tools.\n---\n\nUse the Yield Clarity tools when the person asks about their own finances as recorded in Yield Clarity.\n\nChoosing a tool:\n\n- Start with `get_plan_overview` for general questions. If the person has several plans or names one, call `list_plans` first and pass its `planId`.\n- `get_holdings` for individual investments, accounts, pensions and property; `get_expenses` for planned spending; `get_portfolio_history` for how things have changed.\n- `get_forecast` for the projected financial independence (FI) date and the year-by-year path.\n- `what_if` for hypothetical changes (saving more or less, a different retirement date, return or inflation, extra one-off or recurring costs or income, or switching saved decisions on or off). It compares with the current plan and saves nothing.\n- `run_monte_carlo` for probabilities. It takes up to about 20 seconds.\n- `list_decisions` for the what-if decisions the person has saved in the app.\n\nPresenting results:\n\n- Quote amounts in the plan's currency, as returned. Say \"projected\" or \"estimated\" for forecasts: they depend on the person's own assumptions.\n- Forecasts cover the portfolio counted towards FI; net worth also includes property and other assets. Don't mix the two.\n- If a tool says the account or plan lacks access to a feature, pass that on plainly.\n- These tools can't change the person's plan. If they want to make a change, tell them to do it in the Yield Clarity app.\n"
}