navam-invest 0.1.39

AI agents and tools for the retail investor

🧠 Navam Invest

AI-Powered Investment Intelligence for Retail Investors

Institutional-grade portfolio intelligence powered by 10 specialized AI agents Built on LangGraph • Powered by Anthropic Claude

Quick Start • Features • AI Agents • Documentation • Examples

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🎯 What is Navam Invest?

Replace $1,000-$10,000/year wealth management fees with AI agents that research, analyze, and explain investment decisions in plain English.

Navam Invest is an open-source AI investment advisory platform designed for retail investors managing $50K-$1M portfolios. Instead of paying 1% AUM fees, you get a team of 10 specialized AI agents with automatic intent-based routing—all running locally with your API keys, using free public data.

Why Choose Navam Invest?

🏦 Institutional Intelligence, Retail Access 10 specialized AI agents (equity research, earnings analysis, risk management, tax optimization, options strategies) Automatic routing: Just ask naturally—no need to know which agent to use Multi-agent workflows combining bottom-up + top-down analysis	💰 Zero Lock-In, Maximum Value Core features work with 100% free APIs (Yahoo Finance + SEC EDGAR) No subscriptions, no recurring fees Your data stays yours—runs completely locally
🔍 Transparent & Explainable Watch AI agents reason in real-time with progressive streaming Full audit trails of tool calls and data sources Educational explanations, not black-box recommendations	⚡ Production-Ready Today Interactive terminal UI (TUI) with real-time agent streaming 32 tools across 9 APIs (3 require zero setup) Auto-save reports, multi-agent orchestration, ESC cancellation

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✨ Key Features

🔀 Automatic Intent-Based Routing (v0.1.36+)

No more manual agent switching! Just ask your question naturally:

navam invest

# Simply ask - the router automatically selects the right agent(s)
> Should I invest in AAPL?
# → Router analyzes intent
# → Routes to Quill (fundamentals) + Macro Lens (timing) + Risk Shield (exposure)
# → Synthesizes comprehensive recommendation

> Find undervalued tech stocks with strong earnings momentum
# → Router detects screening + earnings intent
# → Routes to Screen Forge + Earnings Whisperer

> Protect my NVDA position with options
# → Router detects hedging intent
# → Routes to Hedge Smith for options strategies

Power users can still use manual commands (/quill, /hedge, /risk) for direct agent control.

🤖 10 Specialized AI Agents

Each agent is purpose-built with curated tools and expert system prompts:

Agent	Purpose	Tools	Example Query
Quill	Deep fundamental research	36	"Analyze AAPL with DCF valuation and insider activity"
Earnings Whisperer	Earnings surprise analysis	14	"Find post-earnings drift opportunities in NVDA"
Screen Forge	Systematic stock screening	15	"Screen for stocks with 3+ consecutive earnings beats"
Macro Lens	Top-down macro analysis	13	"What's the current economic regime for tech stocks?"
News Sentry	Real-time event detection	13	"Alert me to material 8-K filings and insider trades"
Risk Shield	Portfolio risk management	18	"Calculate VAR and analyze concentration risks"
Tax Scout	Tax-loss harvesting	12	"Identify tax-loss harvesting opportunities"
Hedge Smith	Options strategies	13	"Design a protective collar for my AAPL position"
Atlas	Strategic asset allocation	12	"Create an IPS for $200K portfolio"
Portfolio/Research	Legacy general-purpose	24/10	Backward compatibility

🔀 Multi-Agent Workflows

Agents don't just answer questions—they collaborate in sophisticated workflows:

/analyze - Comprehensive Investment Analysis (5 Agents)

/analyze MSFT

# 1. Quill performs bottom-up fundamental analysis
#    → Financial health, valuation, earnings trends
# 2. News Sentry checks for material events
#    → 8-K filings, insider trading, breaking news
# 3. Macro Lens validates with top-down regime analysis
#    → Economic cycles, sector positioning, yield curve
# 4. Risk Shield assesses portfolio fit
#    → Concentration risk, VAR, correlation analysis
# 5. Tax Scout evaluates tax implications
#    → Wash-sale checks, holding period optimization
# 6. Final synthesis combines all perspectives
#    → BUY/HOLD/SELL with confidence level and reasoning

/discover - Systematic Idea Generation (3 Agents)

/discover quality growth stocks with strong margins

# 1. Screen Forge identifies 10-15 candidates
#    → Factor-based screening, momentum analysis
# 2. Quill analyzes top 3-5 picks
#    → Deep fundamental analysis, valuation
# 3. Risk Shield assesses portfolio fit
#    → Position sizing, concentration analysis
# 4. Final synthesis ranks candidates
#    → Actionable recommendations with entry points

/optimize-tax - Tax-Loss Harvesting (2 Agents) NEW in v0.1.39!

/optimize-tax I hold GOOGL at $150, now $120 and ETHUSD at $2500, now $1800

# 1. Tax Scout identifies tax-loss harvesting opportunities
#    → Unrealized losses >5%, wash-sale compliance, tax savings
# 2. Hedge Smith designs replacement strategies
#    → Sector ETF substitutes, synthetic long options, correlation analysis
# 3. Final synthesis provides actionable tax plan
#    → Immediate actions, year-end optimization, compliance checklist

Result: Institutional-quality investment analysis in seconds, not hours.

📊 Free & Premium Data Sources

32 tools across 9 APIs (3 completely free, 6 with generous free tiers):

Data Source	Coverage	Free Tier	Cost
Yahoo Finance 🆓	Real-time quotes, earnings, analyst ratings, ownership	Unlimited	FREE
SEC EDGAR 🆓	Corporate filings (10-K, 10-Q, 8-K), insider transactions	Unlimited	FREE
U.S. Treasury 🆓	Yield curves, treasury rates	Unlimited	FREE
Tiingo	5-year historical fundamentals	50 symbols/hr	Optional
Finnhub	News/social sentiment, insider trades	60 calls/min	Optional
Alpha Vantage	Stock prices, company overviews	25-500 calls/day	Optional
FRED	Economic indicators (GDP, CPI, unemployment)	Unlimited	Optional
NewsAPI.org	Market news, headlines	1,000 calls/day	Optional
Anthropic Claude	AI reasoning engine (Sonnet 4.5)	Pay-as-you-go	Required

💡 80% of functionality works with just Yahoo Finance + SEC EDGAR (no API keys needed!)

💬 Modern Terminal UI with Progressive Streaming

Built with Textual framework for a responsive, beautiful CLI experience:

• ✅ Progressive streaming: Watch sub-agent tool calls appear in real-time
• ✅ Real-time reasoning: See agents think and make decisions live
• ✅ ESC cancellation: Cancel long-running operations anytime (NEW in v0.1.38)
• ✅ Non-blocking execution: Scroll and interact while agents work
• ✅ Smart input management: Auto-disabled during processing (no duplicate queries)
• ✅ Tool execution tracking: See exactly which data sources agents are calling
• ✅ Multi-agent progress: Visual workflow transitions with status updates
• ✅ Markdown rendering: Tables, code blocks, syntax highlighting
• ✅ Auto-save reports: All responses >200 chars saved to reports/ directory
• ✅ Keyboard shortcuts: ESC (cancel), Ctrl+C (clear), Ctrl+Q (quit)

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🚀 Quick Start

Installation

Requirements: Python 3.9+ and an Anthropic API key

# Install from PyPI
pip install navam-invest

# Start the interactive terminal
navam invest

5-Minute Setup

1. Create environment file:

cp .env.example .env

2. Add your Anthropic API key (required):

# .env file
ANTHROPIC_API_KEY=sk-ant-your-key-here

Get your free key at console.anthropic.com 💰 Cost: ~$3-15/month for typical usage (pay-as-you-go)

3. Optional: Add free-tier API keys (recommended for full features):

# Optional - all have generous free tiers
FRED_API_KEY=your_key_here          # Unlimited economic data
TIINGO_API_KEY=your_key_here        # 50 symbols/hr historical data
FINNHUB_API_KEY=your_key_here       # 60 calls/min sentiment data
NEWSAPI_API_KEY=your_key_here       # 1,000 calls/day news
ALPHA_VANTAGE_API_KEY=your_key_here # 25-500 calls/day quotes

Get free API keys →

4. Verify setup:

navam invest
> /api
# Shows status table: ✅ working / ❌ failed / ⚪ not configured

First Query

navam invest

# NEW: Just ask naturally - automatic routing!
> Should I invest in Apple stock right now?
# Router automatically selects Quill, Macro Lens, and Risk Shield

> Find undervalued tech companies with strong earnings
# Router automatically selects Screen Forge and Earnings Whisperer

> How can I reduce my tax bill before year-end?
# Router automatically selects Tax Scout

# Or use workflows for systematic analysis
> /analyze MSFT
# Comprehensive 5-agent investment analysis

> /discover dividend stocks with P/E under 20
# Systematic 3-agent idea generation workflow

> /optimize-tax I hold GOOGL at $150, now $120
# Tax-loss harvesting with replacement strategies (NEW!)

# Or use manual commands for specific agents (power users)
> /quill
> Analyze Microsoft's earnings trends and institutional ownership

> /macro
> What's the current economic regime for tech stocks?

> /risk
> Calculate VAR for my portfolio and identify concentration risks

🎓 New to Navam Invest? Check the Getting Started Guide for detailed walkthroughs.

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🤖 Specialized AI Agents

⭐ Quill - Equity Research Analyst

Deep fundamental analysis & investment thesis development

View Capabilities & Examples

What Quill Does:

• 📊 DCF Valuation: Discounted cash flow models with sensitivity analysis
• 📈 5-Year Trends: Revenue growth, margins, ROIC, FCF, debt ratios
• 💰 Earnings Analysis: Historical beats, estimates, surprise patterns
• 🎯 Analyst Coverage: Consensus ratings, price targets, upgrades/downgrades
• 🏢 Ownership Tracking: Institutional holders, insider transactions (Form 4)
• 📋 SEC Filings: 10-K/10-Q deep-dives, 8-K material events, XBRL data
• 💵 Dividend Analysis: Yield, payout sustainability, history
• 📰 News Validation: Company-specific news with sentiment

Tools: 36 specialized tools across Yahoo Finance, SEC EDGAR, Tiingo, Finnhub, NewsAPI

Example Queries:

# Automatic routing (just ask naturally)
> Analyze NVDA fundamentals and give me a buy/hold/sell recommendation

# Manual mode (power users)
> /quill
> Deep dive on AAPL: recent earnings, institutional ownership changes, and DCF valuation

Expected Output: 5-section investment thesis with BUY/HOLD/SELL recommendation, fair value range, key catalysts, and risk factors.

📊 Earnings Whisperer - Earnings Specialist

Earnings surprise analysis & post-earnings drift detection

View Capabilities & Examples

What Earnings Whisperer Does:

• 🎯 Historical Tracking: 4-8 quarter earnings surprise analysis
• 📈 Drift Detection: 1-3 day post-earnings momentum patterns
• 🔄 Analyst Revisions: Estimate changes post-earnings
• ✅ Quality Assessment: Revenue vs EPS beats, non-recurring items
• 📅 Calendar Monitoring: Upcoming earnings with probability scoring
• 🏆 Pattern Recognition: Consistent beaters, accelerating growth, quality issues
• 💹 Trading Signals: BUY/HOLD/SELL based on drift probability

Tools: 14 specialized tools across Yahoo Finance, SEC, Finnhub

Example Queries:

# Automatic routing
> Is there a post-earnings drift opportunity in META after recent earnings?

# Manual mode
> /earnings
> Analyze TSLA's last 6 quarters - average beat percentage and drift patterns

Expected Output: Earnings momentum scorecard with drift probability, pattern analysis, and trading recommendation.

🔍 Screen Forge - Equity Screener

Systematic stock discovery & idea generation

View Capabilities & Examples

What Screen Forge Does:

• 📐 Multi-Factor Screening: Value, growth, quality, momentum factors
• 🎯 Systematic Discovery: Weekly watchlist generation with ranking
• 📈 Earnings Momentum: Filter for consistent earnings beaters
• ⬆️ Analyst Activity: Upgrade/downgrade-based screening
• 💬 Sentiment Validation: News and social sentiment checks
• 🔗 Seamless Handoff: Passes top candidates to Quill for deep-dive

Tools: 15 specialized tools across Yahoo Finance, Finnhub, Alpha Vantage

Example Queries:

# Automatic routing
> Find undervalued growth stocks with strong earnings momentum

# Manual mode
> /screen
> Screen for stocks with P/E under 15, 3+ consecutive earnings beats, and positive sentiment

Expected Output: Ranked table of 10-20 candidates with screening criteria, key metrics, and suggested next steps.

🌍 Macro Lens - Market Strategist

Top-down economic analysis & regime identification

View Capabilities & Examples

What Macro Lens Does:

• 🔄 Economic Cycles: 4-phase regime analysis (early/mid/late expansion, recession)
• 📈 Yield Curve: Interpretation and recession signal detection (inversions)
• 🏭 Sector Allocation: Macro-driven positioning guidance
• 📊 Factor Recommendations: Value vs growth, size, volatility tilts
• 📉 Macro Tracking: Inflation, GDP, employment, Fed policy
• 📊 Market Indices: S&P 500, Nasdaq, VIX correlation analysis
• 💹 Interest Rates: Fed funds, treasury rates, credit spreads

Tools: 13 specialized tools across FRED, U.S. Treasury, Yahoo Finance, NewsAPI

Example Queries:

# Automatic routing
> What's the current market environment for tech stocks?

# Manual mode
> /macro
> Analyze the yield curve - is it signaling recession? Which sectors should I overweight?

Expected Output: Regime assessment with sector allocation matrix, factor positioning, and macro risk scenarios.

🗞️ News Sentry - Real-Time Event Monitor

Material event detection & breaking news alerts

View Capabilities & Examples

What News Sentry Does:

• 📋 8-K Monitoring: Material corporate events (M&A, management changes, bankruptcy)
• 📝 Form 4 Tracking: Insider buying/selling by officers and directors
• 📰 Breaking News: Real-time company-specific news with sentiment
• 📊 Analyst Actions: Rating changes, price target updates
• 🎯 Event Prioritization: CRITICAL/HIGH/MEDIUM/LOW urgency scoring
• ⚡ Rapid Response: Detect market-moving events as they happen

Tools: 13 specialized tools across SEC EDGAR, NewsAPI, Finnhub, Yahoo Finance

Example Queries:

# Automatic routing
> Any material events or insider activity at TSLA recently?

# Manual mode
> /news
> Monitor AAPL for 8-K filings, insider transactions, and breaking news in last 7 days

Expected Output: Prioritized event list with urgency levels, event details, and recommended actions.

🛡️ Risk Shield - Portfolio Risk Manager

Comprehensive risk analysis & exposure monitoring

View Capabilities & Examples

What Risk Shield Does:

• 📊 Concentration Analysis: Sector, geographic, single-stock exposures
• 📉 Drawdown Metrics: Historical drawdowns, peak-to-trough, recovery periods
• 💹 VAR Calculations: Value at Risk (95%, 99% confidence levels)
• 🎲 Scenario Testing: Stress tests against historical crises (2008, 2020)
• 🔗 Correlation Analysis: Diversification quality, correlation matrices
• 📈 Volatility Metrics: Portfolio vol, beta, Sharpe, Sortino ratios
• ⚠️ Limit Breach Detection: Position size, sector concentration thresholds
• 🛠️ Risk Mitigation: Hedging strategies, rebalancing recommendations

Tools: 18 specialized tools across market data, fundamentals, macro indicators, treasury data

Example Queries:

# Automatic routing
> Analyze my portfolio risk and recommend mitigation strategies

# Manual mode
> /risk
> Calculate VAR at 95% and 99%, identify sector concentration risks, stress test against 2008 crisis

Expected Output: Risk scorecard (1-10 scale), concentration analysis, VAR metrics, stress test results, and actionable mitigation recommendations.

💰 Tax Scout - Tax Optimization Specialist

Tax-loss harvesting & wash-sale compliance

View Capabilities & Examples

What Tax Scout Does:

• 💸 Tax-Loss Harvesting: Identify positions with unrealized losses
• ⏰ Wash-Sale Compliance: 30-day rule monitoring (IRS Section 1091)
• 🔄 Replacement Candidates: Find substantially different securities
• 📊 Capital Gains Analysis: Short-term vs long-term tracking
• 📅 Year-End Planning: Strategic positioning before Dec 31 deadline
• ⚖️ Tax-Efficient Rebalancing: Minimize gains during portfolio adjustments
• 📋 Lot-Level Analysis: FIFO, LIFO, specific lot identification

Tools: 12 specialized tools for portfolio data, market pricing, fundamentals

Example Queries:

# Automatic routing
> How can I reduce my tax bill before year-end?

# Manual mode
> /tax
> Identify tax-loss harvesting opportunities with >5% unrealized losses, check wash-sale violations

# NEW: Use /optimize-tax workflow for full analysis
> /optimize-tax I hold GOOGL at $150, now $120

Expected Output: TLH opportunities table with tax savings estimates, wash-sale violations, replacement candidates, and year-end action plan.

🎯 Hedge Smith - Options Strategist

Options strategies for portfolio protection & yield enhancement

View Capabilities & Examples

What Hedge Smith Does:

• 🛡️ Protective Collars: Simultaneous OTM put purchase + OTM call sale for downside protection with capped upside
• 💰 Covered Calls: Sell call options against existing holdings to generate premium income
• 📉 Protective Puts: Portfolio insurance through put purchases with cost/benefit optimization
• 💵 Cash-Secured Puts: Generate income while waiting to acquire stock at lower price
• 🎯 Strike Selection: Optimal strike selection (5-10% OTM for protection, 10-20% for income)
• 📅 Expiration Optimization: 30-45 days for theta decay, 60-90 days for protection
• 📊 Options Greeks: Delta, gamma, theta, vega, IV percentile analysis
• ⚖️ Risk/Reward Profiling: Max profit, max loss, breakeven, probability estimates

Tools: 13 specialized tools for options chain data, market data, fundamentals, volatility

Example Queries:

# Automatic routing
> How can I protect my AAPL position with options?

# Manual mode
> /hedge
> I hold 500 shares of AAPL at $180 cost, currently $200. Design a protective collar for 45-day expiration.

# NEW: Use /optimize-tax workflow for tax-loss replacement strategies
> /optimize-tax I hold GOOGL at $150, now $120
# Hedge Smith suggests sector ETF or synthetic long options

Expected Output: Complete strategy specification with specific strikes, premiums, Greeks, risk/reward analysis, and exit strategy.

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💡 Example Workflows

Multi-Agent Investment Analysis

Command: /analyze <SYMBOL> or just ask naturally

What Happens:

1. Quill performs bottom-up fundamental analysis
2. News Sentry checks for material events and insider trading
3. Macro Lens validates with top-down economic context
4. Risk Shield assesses portfolio fit and concentration risks
5. Tax Scout evaluates tax implications and timing
6. Synthesis combines all perspectives into final recommendation

Example: Comprehensive MSFT Analysis (click to expand)

You: Should I invest in Microsoft?

🔀 Router analyzing your query to select appropriate agent(s)...

Router (Analyzing Intent):
→ Detected investment decision query
→ Routing to Quill (fundamental analysis)
→ Routing to News Sentry (event monitoring)
→ Routing to Macro Lens (market timing validation)
→ Routing to Risk Shield (exposure assessment)
→ Routing to Tax Scout (tax implications)

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
QUILL: FUNDAMENTAL ANALYSIS
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Quill (Equity Research):
  → Calling route_to_quill
     Quill analyzing: Should I invest in Microsoft...
     Running specialist tools (fundamental analysis, valuation, investment thesis)...
      → get_quote({'symbol': 'MSFT'})
      → get_earnings_history({'symbol': 'MSFT'})
      → get_analyst_recommendations({'symbol': 'MSFT'})
      → get_financials({'symbol': 'MSFT'})
  ✓ Quill (Fundamental Analysis) completed

**Fundamental Assessment**: STRONG
- Price: $420.45 (+0.8%), P/E 31x, Market Cap $3.1T
- 4 consecutive earnings beats, avg +4.2% surprise
- 89% buy ratings, mean target $475 (+13% upside)
- Revenue +15% YoY, 42% gross margin, $87B FCF
- Exceptional profitability (42% ROE)

[... similar sections for News Sentry, Macro Lens, Risk Shield, Tax Scout ...]

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
FINAL SYNTHESIS
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🎯 RECOMMENDATION: BUY (Dollar-Cost Average)
📊 Confidence Level: MEDIUM

**Key Reasoning**:

Microsoft shows exceptional fundamental quality:
- 42% ROE, $87B annual FCF (best-in-class capital efficiency)
- Strong competitive moats (Azure cloud, enterprise software lock-in)
- Consistent earnings beats (+4.2% avg surprise, 4 quarters)
- 89% analyst buy ratings, $475 mean target (+13% upside)

However, macro timing suggests staged entry:
- Late expansion phase (GDP slowing from 2.8% to 2.4%)
- Inverted yield curve (-0.54%) signals 70% recession probability
- Tech sector vulnerable (Nasdaq -8% from highs)

**Suggested Action**:

Dollar-cost average over 3-6 months:
- Tranche 1: 40% now (defensive exposure to quality)
- Tranche 2: 30% if MSFT dips below $390 (-7% from current)
- Tranche 3: 30% if macro deteriorates (recession confirmed)

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📄 Report saved to: reports/MSFT_analysis_20251012_143022.md

Tax-Loss Harvesting Workflow (NEW!)

Command: /optimize-tax [PORTFOLIO]

What Happens:

1. Tax Scout identifies tax-loss harvesting opportunities with wash-sale compliance
2. Hedge Smith designs replacement strategies to maintain exposure
3. Synthesis provides actionable tax optimization plan

Example: Tax Optimization for GOOGL + ETHUSD (click to expand)

You: /optimize-tax I hold GOOGL at $150, now $120 and ETHUSD at $2500, now $1800

Tax Optimization Workflow: Starting tax-loss harvesting analysis...

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TAX SCOUT: TAX-LOSS IDENTIFICATION
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Tax Scout (Tax Optimization):
  💰 Tax Scout identifying loss harvesting opportunities...
    → get_quote
    → check_wash_sale_window

**TAX-LOSS HARVESTING OPPORTUNITIES**:

1. GOOGL - Alphabet Inc.
   Current Price: $120.00 | Cost Basis: $150.00 | Unrealized Loss: -$30.00 (-20%)
   Holding Period: 180 days (Long-term capital loss)
   Wash-Sale Risk: None (no recent purchases)
   Tax Savings Estimate: $6,000 (assuming 20% LTCG bracket)
   Maintain Exposure? YES (core tech holding)

2. ETHUSD - Ethereum
   Current Price: $1,800 | Cost Basis: $2,500 | Unrealized Loss: -$700 (-28%)
   Holding Period: 45 days (Short-term capital loss)
   Wash-Sale Risk: None
   Tax Savings Estimate: $259 (assuming 37% ordinary income bracket)
   Maintain Exposure? YES (crypto allocation)

**RECOMMENDED ACTIONS**:
- Immediate harvest: GOOGL (significant long-term loss, no wash-sale risk)
- Immediate harvest: ETHUSD (crypto exempt from wash-sale = harvest with zero cost)

**POSITIONS REQUIRING REPLACEMENT STRATEGY**:
- GOOGL: Maintain tech exposure, need 31-day substitute
- ETHUSD: Can rebuy immediately (crypto exempt), but consider strategy

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HEDGE SMITH: REPLACEMENT STRATEGIES
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Hedge Smith (Options Strategist):
  🛡️ Hedge Smith designing replacement strategies...
    → get_options_chain
    → get_sector_etf_alternatives

**REPLACEMENT STRATEGY: GOOGL**

Option 1: Sector ETF Substitute (RECOMMENDED)
- Ticker: XLK - Technology Select Sector SPDR ETF
- Correlation: 0.75 (wash-sale compliant)
- Investment: $120 × shares (match original position size)
- Hold for: 31+ days, then repurchase GOOGL if desired
- Tracking: Expected 75% correlation during hold period

Option 2: Synthetic Long (Options)
- Buy 1 call contract @ $120 strike, 60-day expiration
- Sell 1 put contract @ $120 strike, 60-day expiration
- Net cost: ~$2.50 per share ($250 per contract)
- Delta: ~1.0 (matches stock exposure)
- Expiration: Allows repurchase of stock after 31 days

**RECOMMENDATION**: Sector ETF substitute (XLK) for simplicity

**REPLACEMENT STRATEGY: ETHUSD**

Option 1: Execute sell + immediate rebuy (RECOMMENDED)
- Crypto exempt from wash-sale rules (IRS Notice 2014-21)
- Harvest loss: -$700 tax deduction
- Rebuy immediately: Maintain same exposure with zero gap
- Tax Benefit: Pure tax savings with no disruption

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FINAL TAX OPTIMIZATION PLAN
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🎯 **IMMEDIATE ACTIONS** (Execute today):

1. Sell GOOGL @ market
   → Replace with XLK (Tech ETF) for 31+ days
   → Tax savings: $6,000 | Hold ETF 31+ days

2. Sell ETHUSD @ market
   → Rebuy immediately (crypto exempt from wash-sale)
   → Tax savings: $259 | Maintain same exposure

**TOTAL TAX IMPACT**:
- Total harvestable losses: -$6,259
- Estimated tax savings: $6,259
- Cost of replacement: $0 (ETF fees negligible, crypto rebuy instant)
- Net tax benefit: $6,259

**COMPLIANCE CHECKLIST**:
- [ ] Confirm no GOOGL purchases in last 30 days (review transaction history)
- [ ] Select replacement security (XLK or 31-day cash hold)
- [ ] Maintain similar portfolio allocation and risk profile
- [ ] Document cost basis and trade dates for tax reporting
- [ ] Set 31-day calendar reminder to avoid repurchase violations

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📄 Report saved to: reports/report_tax_optimization_20251014_123710.md

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📚 Documentation

User Guides

• 🚀 Getting Started - Installation, setup, first queries, troubleshooting
• ❓ FAQ - 100+ answered questions covering all features
• 🤖 Agents Guide - Complete reference for all 10 specialized agents
• 🔀 Multi-Agent Workflows - Agent collaboration patterns
• 🛠️ API Tools - Data sources and tool capabilities

Developer Resources

• 📦 PyPI Package - Latest releases and version history
• 🔧 GitHub Repository - Source code, issues, pull requests
• 🏗️ Architecture - System design and technical overview
• 📝 Release Notes - Detailed changelog for each version
• 📖 LangGraph Guide - Multi-agent patterns & best practices

API Documentation

• Anthropic Claude - AI reasoning engine
• LangGraph - Agent orchestration framework
• Yahoo Finance (yfinance) - Free market data library
• SEC EDGAR - Corporate filings API
• Alpha Vantage - Stock market data
• Tiingo - Historical fundamentals
• Finnhub - Alternative data & sentiment
• FRED - Economic indicators

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🗺️ Roadmap

Current Release: v0.1.38 (Oct 14, 2025)

Latest Features:

• ✅ ESC Cancellation: Cancel long-running agent operations anytime
• ✅ Non-blocking TUI: Scroll and interact while agents work
• ✅ Worker-based Execution: Textual worker pattern for responsive UI
• ✅ Graceful Stream Cleanup: Proper async stream handling on cancellation

In Development (v0.1.39):

• 🚧 /optimize-tax Workflow: Tax-loss harvesting with replacement strategies (Tax Scout + Hedge Smith)
• 🚧 Worker-based Workflows: Non-blocking execution for all multi-agent workflows

Recent Releases

v0.1.37 (Oct 12, 2025):

• ✅ Extended /analyze Workflow: 5-agent comprehensive analysis (Quill + News Sentry + Macro Lens + Risk Shield + Tax Scout)
• ✅ /discover Workflow: Systematic idea generation (Screen Forge + Quill + Risk Shield)
• ✅ Progressive Streaming: Real-time display of sub-agent tool calls
• ✅ State Accumulation: Each agent receives context from previous agents

v0.1.36 (Oct 11, 2025):

• ✅ Automatic Intent-Based Routing: No more manual agent switching—just ask naturally
• ✅ Router Agent: LangGraph tool-calling supervisor coordinating 10 specialist agents
• ✅ Enhanced Transparency: Watch router analyze intent and select appropriate agents
• ✅ Backward Compatible: All /command syntax still works for power users

v0.1.35 (Oct 10, 2025):

• ✅ Hedge Smith Agent: Options strategies (collars, covered calls, puts), Greeks analysis

v0.1.34 (Oct 9, 2025):

• ✅ Tax Scout Agent: Tax-loss harvesting, wash-sale compliance, year-end planning

v0.1.33 (Oct 8, 2025):

• ✅ Risk Shield Agent: Portfolio risk management, VAR, drawdown analysis

v0.1.32 (Oct 7, 2025):

• ✅ News Sentry Agent: Real-time 8-K monitoring, insider tracking, breaking news

Planned Features

v0.1.39+ (Q4 2025):

• /protect Workflow: Portfolio hedging (Risk Shield + Hedge Smith)
• API Caching Layer: DuckDB-based caching to reduce API calls
• Workflow Progress Visualization: Enhanced TUI display for multi-agent workflows

v0.2.0+ (Q1 2026):

• Backtesting Engine: Test investment strategies on historical data
• Web UI: Browser-based interface (in addition to TUI)
• State Persistence: PostgreSQL checkpointer for LangGraph
• Cloud Deployment: LangGraph Cloud integration
• Custom Agents: User-defined agent templates and tools
• Python SDK: Programmatic API for third-party integrations

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🤝 Contributing

We welcome contributions! Navam Invest is built by retail investors, for retail investors.

Ways to Contribute

• 🐛 Report Bugs - Submit detailed bug reports
• 💡 Suggest Features - Share ideas for new agents or workflows
• 📝 Improve Docs - Make documentation clearer
• 🔧 Submit PRs - Code contributions for bugs or features

Development Workflow

1. Fork and clone: git clone https://github.com/your-username/navam-invest.git
2. Create branch: git checkout -b feature/amazing-feature
3. Make changes with tests and documentation
4. Run quality checks:

   black src/ tests/        # Format code
   ruff check src/ tests/   # Lint
   mypy src/                # Type check
   pytest                   # Run tests
   

5. Commit: git commit -m "feat: Add amazing feature"
6. Push and create PR with detailed description

See CONTRIBUTING.md for detailed guidelines.

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📄 License

This project is licensed under the MIT License - see LICENSE for details.

Key Points:

• ✅ Free for personal and commercial use
• ✅ Modify and distribute as you wish
• ✅ No warranty provided

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🙏 Acknowledgments

Core Technologies

• Anthropic - Claude AI reasoning engine (Sonnet 4.5)
• LangChain - Agent framework ecosystem (LangGraph orchestration)
• Textual - Modern terminal UI framework

Data Providers

• Yahoo Finance - Free real-time quotes, earnings, analyst ratings
• SEC EDGAR - Corporate filings (10-K, 10-Q, 8-K, Form 4)
• U.S. Treasury - Yield curves, treasury rates
• Alpha Vantage - Stock market data
• Tiingo - Historical fundamentals
• Finnhub - Alternative data & sentiment
• FRED - Federal Reserve economic data
• NewsAPI.org - Market news & headlines

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Built with ❤️ for retail investors

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