Hire an AI long-term business quality reviewer

Everything it can hand back

Your task sets the actual outputs. The specialist picks the methods that cover them.

• A test of whether the edge is real and lasting
• A call on whether the business is inside what you understand
• A check that the record is steady, with changes of course flagged
• A view of how the managers use cash and tell the truth
• Return on equity, margins and the one-dollar test, each marked pass or fail
• Owner earnings as a range
• One page with ten tests, red flags and a reading list, and a verdict

How it does the job well

• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.
• Label actuals, estimates and forecasts clearly.
• Send tax, legal and regulatory questions to a qualified professional.

Mistakes it avoids

• Mixing cash and accrual figures, or different periods, in one comparison.
• Rounding or formula errors that do not tie back to totals.
• Giving personal investment advice.

What a good result looks like

An example, not your task: You are weighing a business to buy or to own a share of, and want a plain call before you spend time on its price.

• Step 1: Lasting edge. What customers get, the barrier that protects it, and how long the edge should last.
• Step 2: Inside what you understand. A yes, no or too tough call on whether you can judge this business.
• Step 3: Steady record. Steady, mixed, changing or too young, with flags for changes of course.
• Step 4: The people running it. Whether managers are able, honest and owner-minded, each with evidence.
• Step 5: Returns and margins. Return on equity, margins and the one-dollar test, each marked pass, fail or unknown.
• Step 6: Owner earnings. The cash an owner could take out, as a low, middle and high figure.

How the work is checked

• Each step passed its own checks, or the run stopped at the step that failed and says why.
• The steps ran in order, and each one used the result of the one before.
• Nothing was invented to fill a gap. Every gap is a MISSING: line.
• Nothing was sent, published or paid for without a clear yes.
• States which checks passed, failed or could not run, and names missing inputs.

These checks have not been run against a model yet. Your AI uses them to check its own work.

A second opinion

Before it hands back, your AI reviews the draft the way Warren Buffett and Charlie Munger would. This is a way of reviewing the work. It does not mean they wrote or endorse it.

Capabilities

• Tests for a lasting edge. Asks whether the product is needed or wanted, has no close substitute and can raise prices, and how long the edge lasts.
• Checks it is inside what you understand. Asks you to explain how it makes money, and sorts it as yes, no or too tough.
• Checks the record is steady. Compares first and last years, measures the swings and flags any change of course or turnaround.
• Checks the people running it. Follows what managers did with spare cash and how they talk about their mistakes.
• Checks returns and margins. Return on equity on operating profit, debt stripped out, margins against rivals, and the one-dollar test.
• Works out owner earnings. Profit plus non-cash charges, minus the spending needed to stay level, as a low, middle and high figure.
• Scores the tests. Ten tests as pass, fail or unknown, a verdict from a stated ladder, red flags and a reading list.

How the role works

1. Checks your task, context and available tools.
2. Picks the methods needed and prepares a work plan.
3. Carries out supported tasks, with each method's limits and review gates.
4. Checks the real deliverables and corrects supported faults.
5. Hands back files, evidence and unresolved gaps.

Your specialist's working setup

Download the base specialist without a task form or account. README.md and SETUP.md explain how to use the folder. SOUL.md defines its scope. INTAKE.md asks missing questions inside your AI. PLAYBOOK.md, SKILLS.md, BEST_PRACTICES.md, CHECKS.md and HANDOFF.md guide the work and its checked deliverables.

Complete associated skills, supporting files and licences are included. Choose only the methods needed for the actual task. Keep context, working files and accepted feedback in your AI project.

Use this specialist through MCP or the API

Call prepare_specialist with role_id business-worth-owning only. No task is required to load it. Your AI asks what job you need done, what you want back and which relevant context it can use.

For task-led hiring, call find_specialist, explain the suggested specialists and let the user accept or change the team.

Complete ZIP: Download base specialist. API: GET /api/v1/specialists/business-worth-owning/pack. The host AI supplies its own model, tools and execution; a pack does not connect accounts or run a task.

Inputs and helpful context

The specialist starts from the task brief. Only active methods require their inputs.

For the primary method, when used

• The business, in a few lines, and what you know of its rivals (optional)
• Four or five years of its accounts, with profit, equity, debt, sales, spending and working capital
• Its market value at the start and end of that period, for the one-dollar test (optional)
• Notes on its managers, such as past letters to owners (optional)

Helpful context (optional)

• The last five annual reports, which hold the accounts and the letters to owners
• The same figures for two or three rivals
• Notes from talking to customers, suppliers or former staff

Tools and access

• Claude: Holds seven steps of work and several years of accounts in one run.
• A spreadsheet: Keeps the cleaned figures for each year so a new year only adds one row.
• Any good chat AI: Weighing evidence against a fixed list of tests is reasoning work any strong chat AI does well.
• Your accounts or margin report: Real margins make the materiality test a number, not an opinion.
• Any good chat AI: Sorting honest answers against fixed rules is text work any strong chat AI does well.
• A notebook: Writing your five answers by hand, without a search tab open, makes the test honest.
• Any good chat AI: Comparing years of results and judging what counts as a change is text work any strong chat AI does well with this skill.
• A spreadsheet: Keeps ten years of results in one place so the spread is easy to recheck.
• Any good chat AI: Reading a record of choices and rating them against fixed rules is text work any strong chat AI does well.
• A spreadsheet: Lets you tabulate years of deals and payouts to see a pattern.
• A spreadsheet: Keeps the cleaned years and rival figures together and lets you recheck each sum.
• Any good chat AI: Reading pasted accounts and running fixed sums is work any strong chat AI does well with this skill.
• A spreadsheet: Lets you keep the year-by-year table and rerun the sum when a new year arrives.
• Any good chat AI: Reading pasted statements and doing a short fixed sum is work any strong chat AI does well with this skill.
• Any good chat AI: Sorting findings into ten tests and applying a short ladder is work any strong chat AI does well with this skill.
• A notes app: Keeps one scorecard per business so you can compare them over time.

Functions and deliverables

• Long-term business quality reviewer: Review a business's edge, management and financial record. Get a pass, fail or unknown scorecard before judging its price.
  • A test of whether the edge is real and lasting
  • A call on whether the business is inside what you understand
  • A check that the record is steady, with changes of course flagged
  • A view of how the managers use cash and tell the truth
  • Return on equity, margins and the one-dollar test, each marked pass or fail
  • Owner earnings as a range
  • One page with ten tests, red flags and a reading list, and a verdict
• Competitive advantage tester: Share your business, rivals and cost or price evidence. Get a test of the benefit, copying barrier and seven possible sources of advantage.
  • The benefit named in numbers and the barrier in words
  • A materiality test with a number or a clear reason
  • A match to one of the seven powers, and the stage check
  • The edge to build next and the evidence still missing
• Business expertise reviewer: Describe a business or bet. Get it sorted as yes, no or too tough, with your real edge written down.
  • Five answers marked as known, guessed or blank
  • Your real edge written down, or "no edge"
  • A sort into yes, no or too tough, with the reason
  • The first question you cannot answer, and a plan to widen the circle if it is worth it
• Business track record checker: Check a business's track record: paste what it sells and its yearly results. See if its past is a fair guide, with any change of course flagged.
  • A first-year and last-year comparison of what was sold
  • The spread of results in numbers
  • Each change of course, with its year
  • Each bad year marked as the industry's or the company's own
  • A call of steady, mixed, changing or too young, and what would change it
• Company management record reviewer: Share leaders’ cash decisions, pay and letters. Get evidence-based ratings and gaps, viewed alongside the underlying business.
  • A cash log marked good, poor or unknown
  • A comparison of pay with owner results
  • Ratings for able, honest and owner-minded, each with its evidence
  • A call, and the one fact that would change it
• Return on equity and margin checker: Check a company's return on equity and margins over four or five years. See if debt props it up and get pass or fail on each test.
  • Return on equity by year and on average, on a clean basis
  • Return on total capital, so debt cannot hide
  • A margin comparison and a note on cost habits
  • The one-dollar test with its figures
  • Pass, fail or unknown for each of the three tests
• Owner earnings calculator: Share profit, spending and working-capital figures. Get labelled cash estimates, with a range only when the inputs and order support it.
  • A year-by-year table with one-off items removed
  • Three labelled upkeep and owner-earnings candidates
  • An order check and either an eligible range or NO VALID ORDERED RANGE
  • Ratios and growth only where the inputs support them
  • Missing figures and method limits
• Business investment reviewer: Turn your findings on a business into a ten-test scorecard. Each test is pass, fail or unknown, and you learn if a price check is worth it.
  • A list of which findings you have and which are missing
  • Ten tests marked pass, fail or unknown, each with evidence
  • A verdict from a stated ladder
  • Red flags found
  • A reading and asking list, ordered by what would move the verdict most
• me.md builder: Answer a few questions, or let your AI use what it remembers. Get one private file that tells any AI who you are.
  • One me.md file with up to ten dated sections
  • A list of facts taken from memory, for you to check
  • A short note of what it removed for privacy
  • The two next steps, to save it and set it up
• Warren Buffett: Review a business using Warren Buffett’s recorded principles. Check how it earns, what protects it, how managers use cash and which facts remain uncertain.
  • Your problem worked on the way Warren Buffett would: their questions, their method, their push-back
  • The answer or the work, in Warren Buffett's voice, using their ideas by name
  • Anything that goes beyond their public record, marked
  • One suggested next step
• Charlie Munger: Stress-test a plan using Charlie Munger’s recorded approach. Turn it upside down, examine incentives and ask where your knowledge ends.
  • Your problem worked on the way Charlie Munger would: their questions, their method, their push-back
  • The answer or the work, in Charlie Munger's voice, using their ideas by name
  • Anything that goes beyond their public record, marked
  • One suggested next step

Tasks you can use it for

• You are weighing a business to buy or to own a share of, and want a plain call before you spend time on its price.
• You like a business and want to know if your liking holds up against ten tests.
• You are comparing two businesses and want them on the same page.

Limits to check before starting

• You want a buy or sell call or a share price: ask a licensed adviser, since this gives no buy or sell calls.
• You only want to know what the assets are worth: use the Business asset value estimator.
• The business has no public or shared accounts, such as a very young company: ask for its books first, or talk to an accountant.

Best way to use this role

Give it one clear outcome, the actual files and a definition of done. Keep the work in one AI project so it can reuse checked context and earlier files.

• Download the handoff pack. It's a zip with HANDOFF.md and every skill file this workflow uses.
• Give the folder to Claude (in Claude Code, or as files in a Claude Project) and say "Follow HANDOFF.md".
• Describe the business, then paste or attach its accounts for the last four or five years.
• Read the unknowns on the last page first. They show what to read or ask next.
• If the verdict is worth a price check, carry on with "Value a business and the discount to ask for".

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/business-worth-owning for its role instructions and pinned sources.

This is a prepared AI role. No task has run. Your AI carries out authorized work using its available tools and reports the actual deliverables and checks.