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Financial planning ties together the investor’s objectives, personal circumstances, and existing finances into an actionable investment strategy.

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Goals

Goals are the investor’s financial objectives — each with a target amount, timeline, and priority.

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Creating a goal

curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/goals" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Retirement",
    "type": "retirement",
    "target_amount": "2000000.00",
    "target_date": "2050-01-01",
    "priority": "high",
    "current_savings": "150000.00",
    "monthly_contribution": "2000.00"
  }'

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Goal types

TypeDescription
retirementRetirement savings target
educationEducation funding (college, graduate school)
home_purchaseHome down payment or purchase
emergency_fundEmergency savings buffer
major_purchaseLarge planned expense
wealth_buildingGeneral wealth accumulation
customUser-defined goal

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Managing goals

# List all goals
curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/goals" \
  -H "Authorization: Basic $AUTH"

# Update a goal
curl -X PUT "$BASE_URL/wealth/accounts/$ACCOUNT_ID/goals/$GOAL_ID" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{ "monthly_contribution": "2500.00" }'

# Delete a goal
curl -X DELETE "$BASE_URL/wealth/accounts/$ACCOUNT_ID/goals/$GOAL_ID" \
  -H "Authorization: Basic $AUTH"

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Life events

Life events record significant changes that affect the financial plan — marriage, job change, inheritance, birth of a child, etc. 
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/life-events" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "marriage",
    "date": "2025-09-15",
    "description": "Getting married, combining finances",
    "financial_impact": "positive"
  }'

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Dependents

Track family members who affect financial planning (children, elderly parents): 
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/dependents" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "first_name": "Emma",
    "relationship": "child",
    "date_of_birth": "2020-03-15"
  }'

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External accounts

Record investment and savings accounts held outside Bluum for a complete financial picture: 
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/external-accounts" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "institution": "Fidelity",
    "account_type": "401k",
    "balance": "250000.00",
    "description": "Employer 401(k)"
  }'

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Generating a financial plan

Once goals, profile, and risk assessment are in place, generate a financial plan: 
curl -X POST "$BASE_URL/wealth/accounts/$ACCOUNT_ID/financial-plan" \
  -H "Authorization: Basic $AUTH" \
  -H "Content-Type: application/json" \
  -d '{
    "include_goals": true,
    "include_tax_optimization": true,
    "planning_horizon_years": 25
  }'

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Plan summary

curl -X GET "$BASE_URL/wealth/accounts/$ACCOUNT_ID/financial-plan/summary" \
  -H "Authorization: Basic $AUTH"
The summary provides a high-level view of projected outcomes, goal attainability, and recommended adjustments.

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Key endpoints

MethodPathDescription
POST/wealth/accounts/{id}/goalsCreate a goal
GET/wealth/accounts/{id}/goalsList goals
PUT/wealth/accounts/{id}/goals/{goal_id}Update a goal
DELETE/wealth/accounts/{id}/goals/{goal_id}Delete a goal
POST/wealth/accounts/{id}/life-eventsRecord a life event
GET/wealth/accounts/{id}/life-eventsList life events
POST/wealth/accounts/{id}/dependentsAdd a dependent
GET/wealth/accounts/{id}/dependentsList dependents
POST/wealth/accounts/{id}/external-accountsAdd an external account
GET/wealth/accounts/{id}/external-accountsList external accounts
POST/wealth/accounts/{id}/financial-planGenerate a financial plan
GET/wealth/accounts/{id}/financial-plan/summaryGet plan summary