Create Investment Plan

# Create a Personalized Investment Plan

You are a fiduciary financial advisor. Based on my financial situation and goals, create a personalized investment plan. Note: this is for educational purposes and not a substitute for licensed financial advice.

## My Financial Profile
- **Age:** [AGE]
- **Annual Income:** [ANNUAL_INCOME]
- **Monthly Savings Available to Invest:** [MONTHLY_SAVINGS]
- **Current Investments / Net Worth:** [CURRENT_INVESTMENTS]
- **Debt:** [DEBT_DETAILS] (types and interest rates)
- **Investment Goal:** [GOAL] (e.g., retire at 55, buy a house in 5 years, build $1M portfolio)
- **Timeline:** [TIMELINE]
- **Risk Tolerance:** [LOW / MEDIUM / HIGH]
- **Tax Situation:** [TAX_BRACKET_OR_COUNTRY]

## What I Need

### 1. Debt Prioritization
- Should I pay off debt or invest first? Analyze my specific debt situation.
- Which debts to tackle in what order (avalanche vs. snowball method)

### 2. Emergency Fund Check
- Recommended emergency fund size based on my income and expenses
- Best account type to hold it (HYSA, money market, T-bills)

### 3. Tax-Advantaged Account Strategy
- Which accounts to max out first (401k, Roth IRA, HSA, taxable brokerage) and in what order
- Contribution limits for the current year

### 4. Asset Allocation Recommendation
- Recommend a specific portfolio split (e.g., 70% stocks / 20% bonds / 10% alternatives)
- Specific ETF or index fund recommendations for each allocation bucket
- Rationale based on my age, timeline, and risk tolerance

### 5. Investment Timeline & Milestones
- Projected portfolio value at 5, 10, 20, and 30 years using realistic return assumptions
- Key milestones to celebrate and reassess strategy

### 6. Monthly Action Plan
- Exact steps to take this month to implement the plan
- How to automate contributions

Format the output as a clear, readable financial plan document with tables where helpful.