Overview The objective is to build a private, high-security Wealth Management System in Microsoft Excel that leverages AI (LLM APIs) to provide strategic financial oversight. The tool will transition from a manual ledger into a "Strategic Advisor" capable of micro/macro-analysis, tax optimization, and inheritance planning. Structure & User Interface (The Workbook) The system must be organized into the following synchronized layers: • Sheet 1: Definition & Legacy Profile – User financial profile, risk appetite, specific objectives, and Inheritance/Succession parameters (beneficiaries, tax jurisdictions, and asset protection goals). • Sheet 2: DB Transactions – A structured, relational database ledger for manual entry (Date, Amount, Currency, Category, Asset Link, Tax Status). • Sheet 3: Visual Dashboard – Automated KPIs, Net Worth tracking, Asset Allocation vs. Targets, and Currency Exposure heatmaps. • Sheet 4: Global Strategic Report – A dynamic sheet populated by AI containing: Executive Summary, Micro-Analysis, Macro/Geopolitical context, and Actionable Suggestions. • Sheets 5-N: Asset Deep-Dives – Individual sheets for complex holdings (Real Estate, Private Equity, etc.) that feed back into the central DB. Functional Scope A. The AI "Strategist" Engine (Integration via API) The developer must integrate a Large Language Model (e.g., OpenAI GPT-4o or Anthropic Claude 3.5) to perform: 1. Macro Analysis: Contextualizing the user’s portfolio against real-time global news, FX trends, and geopolitical shifts in specific asset locations. 2. Tax Optimization: Identifying "tax leakage" and suggesting more efficient holding structures based on the user's defined tax residency. 3. Inheritance Planning: Modeling the impact of wealth transfer to beneficiaries, estimating tax exposure, and suggesting protective measures (Trusts, Life Insurance, etc.). B. Data Integrity & Auditing • AI Consistency Check: A "Data Auditor" button that scans the DB for incoherence, typing mistakes, or illogical entries (e.g., mismatched currencies or extreme outliers). C. Dual-Format Reporting (One-Click) The system must allow the user to generate either a Global Executive Report or Individual Asset Reports with a choice of two output formats: 1. Excel Format: A clean, formatted sheet within the workbook for "What-If" modeling. 2. PDF Booklet: A professional, print-ready PDF document with a cover page, table of contents, and stylized charts. Technical Deliverables • Macro-Enabled Workbook (.xlsm): Built with clean VBA or Python-in-Excel. • API Management Layer: A secure "Settings" area for the user to input their own API keys (OpenAI, NewsAPIs, etc.). • Phase 2 Readiness: The DB must be architected to allow for future automated bank statement ingestion (PDF/CSV parsing) in a subsequent development phase. Candidate Requirements • Expert Level: VBA, Power Query, and REST API integration. • AI/ML Experience: Proven track record of connecting LLMs to Excel for data analysis. • Financial Literacy: Candidates must understand concepts of FX normalization, Capital Gains Tax, and Estate Planning. • Portfolio: Please provide examples of previous automated reporting tools or AI-integrated Excel projects.