Complexity: 🟢 Beginner
Built on Agno and NeMo Agent Toolkit, this workflow is a personal financial planner that generates personalized financial plans using NVIDIA NIM (can be customized to use OpenAI models). It automates the process of researching, planning, and creating tailored budgets, investment strategies, and savings goals, empowering you to take control of your financial future with ease.
This personal financial planner was revised based on the Awesome-LLM-App GitHub repo's AI Personal Finance Planner sample.
- Agno Framework Integration: Demonstrates seamless integration between the lightweight Agno multimodal agent library and NeMo Agent Toolkit for building sophisticated agent workflows with minimal overhead.
- Personal Financial Planning Workflow: Creates personalized financial plans including budgets, investment strategies, and savings goals using NVIDIA NIM models with automated research and planning capabilities.
- Multi-Framework Agent Architecture: Shows how to combine Agno's lightning-fast, model-agnostic capabilities with NeMo Agent Toolkit workflow management and tool integration system.
- Automated Financial Research: Integrates SERP API for real-time financial data gathering and market research to inform personalized financial planning recommendations.
Agno is a lightweight library for building multimodal agents. Some of the key features of Agno include lightning fast, model agnostic, multimodal, multi agent, etc. See Agno README here for more information about the library.
If you have not already done so, follow the instructions in the Install Guide to create the development environment and install NeMo Agent Toolkit.
From the root directory of the NeMo Agent Toolkit library, run the following commands:
uv pip install -e examples/frameworks/agno_personal_financeIf you have not already done so, follow the Obtaining API Keys instructions to obtain an NVIDIA API key. This example also makes use of SerpApi to perform web searches, obtain a SerpApi key by going to https://serpapi.com/users/sign_up.
export NVIDIA_API_KEY=<YOUR_API_KEY>
export OPENAI_API_KEY=<YOUR_API_KEY>
export SERP_API_KEY=<YOUR_API_KEY>Run the following command from the root of the NeMo Agent Toolkit repo to execute this workflow with the specified input:
nat run --config_file examples/frameworks/agno_personal_finance/configs/config.yml --input "My financial goal is to retire at age 60. I am currently 40 years old, working as a Machine Learning engineer at NVIDIA."Expected Workflow Output
2025-07-23 03:43:32,279 - nat.runtime.loader - WARNING - Loading module 'nat_plot_charts.register' from entry point 'nat_plot_charts' took a long time (473.043442 ms). Ensure all imports are inside your registered functions.
2025-07-23 03:43:32,455 - nat.runtime.loader - WARNING - Loading module 'nat_semantic_kernel_demo.register' from entry point 'nat_semantic_kernel_demo' took a long time (175.730944 ms). Ensure all imports are inside your registered functions.
2025-07-23 03:43:32,572 - nat.runtime.loader - WARNING - Loading module 'nat_alert_triage_agent.register' from entry point 'nat_alert_triage_agent' took a long time (117.298603 ms). Ensure all imports are inside your registered functions.
2025-07-23 03:43:32,786 - nat.cli.commands.start - INFO - Starting NeMo Agent Toolkit from config file: 'examples/frameworks/agno_personal_finance/configs/config.yml'
2025-07-23 03:43:32,788 - nat.cli.commands.start - WARNING - The front end type in the config file (fastapi) does not match the command name (console). Overwriting the config file front end.
2025-07-23 03:43:34,109 - nat.plugins.profiler.decorators.framework_wrapper - INFO - Agno callback handler registered
Configuration Summary:
--------------------
Workflow Type: agno_personal_finance
Number of Functions: 1
Number of LLMs: 1
Number of Embedders: 0
Number of Memory: 0
Number of Retrievers: 0
2025-07-23 03:43:36,919 - nat.plugins.agno.tools.serp_api_tool - INFO - Searching SerpAPI with query: 'retirement planning strategies for early retirement at age 60', max_results: 5
INFO Searching Google for: retirement planning strategies for early retirement at age 60
2025-07-23 03:43:39,035 - nat.plugins.agno.tools.serp_api_tool - INFO - SerpAPI returned 4 results
2025-07-23 03:43:39,037 - nat.plugins.agno.tools.serp_api_tool - INFO - Searching SerpAPI with query: 'investment opportunities for tech professionals', max_results: 5
INFO Searching Google for: investment opportunities for tech professionals
2025-07-23 03:43:43,448 - nat.plugins.agno.tools.serp_api_tool - INFO - SerpAPI returned 5 results
2025-07-23 03:43:43,450 - nat.plugins.agno.tools.serp_api_tool - INFO - Searching SerpAPI with query: 'savings strategies for retirement at 60', max_results: 5
INFO Searching Google for: savings strategies for retirement at 60
2025-07-23 03:43:45,258 - nat.plugins.agno.tools.serp_api_tool - INFO - SerpAPI returned 4 results
2025-07-23 03:44:14,063 - nat.front_ends.console.console_front_end_plugin - INFO -
--------------------------------------------------
Workflow Result:
['### Personalized Financial Plan for Early Retirement at Age 60\n\n#### Overview\nYou are currently 40 years old and working as a Machine Learning engineer at NVIDIA, with a goal to retire at age 60. This gives you 20 years to prepare for retirement. Below is a structured financial plan that includes budgeting, investment strategies, and savings strategies tailored to your situation.\n\n---\n\n### 1. Financial Goals\n- **Retirement Age**: 60\n- **Time Horizon**: 20 years\n- **Desired Retirement Lifestyle**: Comfortable living, travel, and hobbies.\n\n### 2. Current Financial Situation\n- **Income**: As a Machine Learning engineer, your income is likely competitive within the tech industry. \n- **Expenses**: Assess your current monthly expenses to identify areas for savings.\n- **Savings**: Evaluate your current savings and retirement accounts (e.g., 401(k), RRSP, etc.).\n\n### 3. Suggested Budget\n- **Monthly Income**: Calculate your net monthly income after taxes.\n- **Expense Categories**:\n - **Housing**: 25-30% of income\n - **Utilities**: 5-10%\n - **Groceries**: 10-15%\n - **Transportation**: 10%\n - **Savings/Investments**: 20-30%\n - **Discretionary Spending**: 10-15%\n \n**Example**: If your monthly income is $8,000:\n- Housing: $2,000\n- Utilities: $600\n- Groceries: $1,000\n- Transportation: $800\n- Savings/Investments: $2,400\n- Discretionary: $1,200\n\n### 4. Investment Strategies\nGiven your background in technology, consider the following investment opportunities:\n\n- **Tech Stocks**: Invest in high-performing tech stocks. For example, check out the [Best-Performing Tech Stocks for July 2025](https://www.nerdwallet.com/article/investing/best-performing-technology-stocks).\n- **ETFs and Mutual Funds**: Diversify your portfolio with technology-focused ETFs or mutual funds. Refer to [Ways to Invest in Tech](https://www.investopedia.com/ways-to-invest-in-tech-11745768).\n- **Retirement Accounts**: Maximize contributions to your 401(k) or RRSP, especially if your employer offers matching contributions.\n- **Alternative Investments**: Explore opportunities in startups or angel investments in the tech sector.\n\n### 5. Savings Strategies\nTo enhance your retirement savings, consider the following strategies:\n\n- **Start Early**: The earlier you start saving, the more your money can grow. Aim to save at least 20-30% of your income.\n- **Emergency Fund**: Maintain an emergency fund covering 3-6 months of living expenses.\n- **Debt Management**: Pay off high-interest debts as soon as possible to free up more funds for savings.\n- **Automate Savings**: Set up automatic transfers to your savings and investment accounts to ensure consistent contributions.\n- **Review and Adjust**: Regularly review your financial plan and adjust your savings rate as your income grows.\n\n### 6. Resources for Further Learning\n- **Retirement Planning**: [How to Achieve Early Retirement in Canada](https://nesbittburns.bmo.com/surconmahoneywealthmanagement/blog/693121-How-to-Achieve-Early-Retirement-in-Canada-Proven-Strategies-for-Financial-Independence) provides practical strategies for financial independence.\n- **Investment Insights**: [Technology Investments in 2025](https://wezom.com/blog/technology-investments-in-2025) offers insights into key investment areas in technology.\n- **Savings Tips**: [10 Tips to Help You Boost Your Retirement Savings](https://www.merrilledge.com/article/10-tips-to-help-you-boost-your-retirement-savings-whatever-your-age-ose) provides actionable advice for enhancing your savings.\n\n---\n\n### Conclusion\nBy following this personalized financial plan, you can work towards achieving your goal of retiring at age 60. Regularly review your progress, adjust your strategies as needed, and stay informed about market trends and investment opportunities. With discipline and planning, you can secure a comfortable retirement.']