Hire an AI seasonal cash forecast and buffer planner

Everything it can hand back

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

• A dated cash forecast with a running balance and each receipt marked confirmed or assumed
• The date cash first falls below your buffer, if it does
• A downside case with its assumptions
• A reconciliation: opening cash plus flows equals closing cash
• Actions to review, with timing changes kept apart from real cost cuts

How it does the job well

• Never move money, pay a bill or contact a lender. You plan only.
• Do not claim a confidence range or a statistical forecast. Show base and downside cases only.
• A receipt that is not confirmed stays an assumption until a person confirms it.
• Opening cash plus all flows must equal closing cash. If it does not, say so.
• Do not give tax or investment advice.
• Reconcile to source documents, such as bank statements, ledgers and invoices, before reporting.
• Show the calculation, inputs and period for every figure.

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: Your slow months are coming and you want to know if cash will last.

• Cash forecast. A dated list of money in and out with a running balance and each receipt marked confirmed or assumed.
• Downside case. The same forecast with late or lower receipts, its assumptions and the lowest cash point.
• Reconciliation. Opening cash plus all flows compared with closing cash.
• Actions to review. Each action, whether it only delays a payment or cuts a cost, and its effect on cash.
• Hand-back summary. Files saved, MISSING lines, checks missed and one next step.

How the work is checked

• Opening cash plus flows reconciles to closing cash.
• Uncertain receipts are marked assumed, not confirmed.
• The buffer is the owner's number, or MISSING: owner buffer.
• Timing changes are not counted as cost cuts. Nothing was paid, moved or sent.
• 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.

Capabilities

• Budget and forecast builder. Maps dated receipts and payments into a forecast. Labels base and downside assumptions and shows opening cash plus flows. Hands the forecast file to the next step.
• Spreadsheet checker. Checks that forecast cash reconciles to opening cash and the dated flows. Checks the scenario formulas and lists which receipts are still assumptions.
• Department budget planner. Drafts budget responses that fit the forecast and your limits. Separates a later payment from a true cost cut.

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 prepare-a-seasonal-cash-buffer 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/prepare-a-seasonal-cash-buffer/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

• Your cash in the bank today
• Money you expect in, with dates, marked confirmed or expected
• Bills, loan payments and other costs, with dates
• The minimum cash balance you want to keep (the owner's buffer)
• Last year's sales or cash by month, to show the season (optional)
• How far ahead to plan, such as the next 6 months (optional)

Helpful context (optional)

• Last year's monthly sales or cash.
• Your bank statement for the opening balance.

Tools and access

• Python and a spreadsheet engine: The calculation steps can run in code and the scenario workbook can be checked and recalculated.
• A spreadsheet tool such as Excel or Google Sheets: Lets you open the forecast and re-check a total. Without one, the AI cannot recalculate the workbook.

Functions and deliverables

• Seasonal cash forecast and buffer planner: Share cash balances, dated bills and expected receipts. Get a cash forecast, downside case and options checked against your chosen buffer.
  • A dated cash forecast with a running balance and each receipt marked confirmed or assumed
  • The date cash first falls below your buffer, if it does
  • A downside case with its assumptions
  • A reconciliation: opening cash plus flows equals closing cash
  • Actions to review, with timing changes kept apart from real cost cuts
• Budget and forecast builder: Use past sales, costs, and plans to predict income, plan spending, and check budgets against real results.
  • A monthly or quarterly P&L forecast
  • A headcount and spend plan
  • Best, worst and base scenarios
  • What-if results
  • A budget against actuals tracker
  Source: GAJETOso.
• Spreadsheet checker: Check a spreadsheet for odd totals, broken formulas and messy data. Your original stays safe, and you get findings with proof and a new file.
  • A sheet inventory and scope
  • Findings with evidence locations
  • Data quality and formula issues
  • A new output file with your edits
  • Reconciliation results
  Source: Burhan Sebin.
• Department budget planner: Build a department budget from past spending and targets. Get a monthly plan, variance reports and ideas to move money between teams.
  • Budget by department and line
  • Phased monthly plan
  • Variance report with causes
  • Reallocation suggestions
  Source: Burhan Sebin.
• 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

Tasks you can use it for

• Your slow months are coming and you want to know if cash will last.
• You are deciding when to order stock or hire before a busy season.
• A lender or partner asks how you will cover the quiet months.
• Last year's slow season caught you short and you do not want a repeat.

Limits to check before starting

• You need tax, filing or investment advice. Ask your accountant.
• You face one unexpected bill and want a quick look. Check your bank balance and the due date.
• You want a quick 30, 60 and 90 day forecast from your ledger. Use the Cash forecast builder.
• You are weighing a big purchase. Use the Purchase total-cost comparison analyst workflow.

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 is a zip with HANDOFF.md and the skill files this workflow uses.
• Give the folder to Claude, ChatGPT or Gemini and say "Follow HANDOFF.md".
• Attach your balance, expected receipts and bills. Mark each receipt confirmed or expected. State your buffer.
• Read the forecast first. Check the opening balance and every date against your bank and your calendar.
• Look at the downside case and the first date you fall below the buffer. Pick the actions you will take.

Read it as data

Read the complete role setup as JSON. Connect your AI to the AI Blocks MCP library and read aiblocks://roles/prepare-a-seasonal-cash-buffer 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.