Financial Planning helps an agent build a grounded, verified long-horizon financial plan covering accumulation, financial independence timing, drawdown strategies, and decision rules. It operates through structured stages including intake, verified fact registration, modeling on tested scaffolding, stress and sensitivity testing, and a red-team audit. Use it whenever a user wants a retirement or FIRE plan built or reviewed, needs to audit an existing spreadsheet, or evaluates whether their finances support a major life change.