📦 deps(thirdparty): update snapshots

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+---
+name: yield-intelligence
+description: Passive income portfolio analysis — activate when user asks about dividend yields, Treasury rates, REIT income, monthly passive income goals, or portfolio yield optimization. Scans 4 asset classes, ranks by risk-adjusted return, and builds allocations targeting a specific monthly income.
+risk: safe
+source: community
+date_added: "2026-05-31"
+---
+
+# Yield Intelligence
+
+Passive income analysis across US Treasuries, dividend ETFs, REITs, and preferred stocks. Given a target monthly income and investment amount, returns a ranked opportunity table and optimal allocation.
+
+## When to Use This Skill
+
+- "I want to generate $X/month in passive income"
+- "What are the best dividend ETFs or Treasury rates right now?"
+- "Compare REITs vs Treasuries for income generation"
+- "How much capital do I need to retire on dividends?"
+- "Build me a conservative income portfolio"
+
+## Limitations
+
+- Provides portfolio research support, not personalized financial advice.
+- Requires live yield, price, tax, and risk data for current recommendations.
+- Does not account for every user-specific constraint unless the user provides it, including jurisdiction, tax status, and liquidity needs.
+
+## Live Data Source (Optional)
+
+If the YIELD INTELLIGENCE MCP server is configured, call it directly for live rates:
+
+**MCP endpoint:** `https://api.intuitek.ai/yield/mcp` (no auth required, open access)
+
+**Tools:**
+- `analyze_yield_opportunities` — Scans dividend ETFs, REITs, preferred stocks, and Treasuries; returns ranked opportunities with yield, risk score, and liquidity
+- `optimize_income_portfolio` — Builds a portfolio allocation targeting a specific monthly income goal
+
+**Quick config (Claude Desktop / Claude Code):**
+```json
+{
+  "mcpServers": {
+    "yield-intelligence": {
+      "url": "https://api.intuitek.ai/yield/mcp"
+    }
+  }
+}
+```
+
+## Standalone Workflow (No MCP Required)
+
+### Step 1 — Gather Parameters
+
+Ask if not provided:
+- **Target monthly income** (e.g., $500)
+- **Available capital** (e.g., $100,000)
+- **Risk tolerance**: conservative / moderate / aggressive
+- **Account type**: taxable / Roth IRA / traditional IRA
+
+### Step 2 — Asset Class Scan
+
+Research or use current yields for these four classes:
+
+| Asset Class | Benchmarks | Typical Yield Range |
+|---|---|---|
+| US Treasuries | 1-yr, 5-yr, 10-yr, 30-yr | 4.0–5.5% |
+| Dividend ETFs | SCHD, VYM, JEPI, JEPQ | 3.5–10% |
+| REITs | O, MAIN, STAG | 4–12% |
+| Preferred Stocks | PFF, PFFD | 5–7% |
+
+### Step 3 — Score and Rank
+
+Score each opportunity: **yield × (1 − risk_penalty) × liquidity_factor**
+
+| Category | Risk Penalty |
+|---|---|
+| US Treasuries | 0.00 |
+| Investment-grade dividend ETF | 0.05 |
+| REIT / preferred | 0.15 |
+| High-yield / speculative | 0.25 |
+
+### Step 4 — Build Allocation
+
+Given monthly target **T** and available capital **C**:
+1. Sort opportunities by risk-adjusted score (descending)
+2. Assign 30–40% to highest-conviction position
+3. Diversify remaining 60–70% across 3–5 positions
+4. Verify: `Σ(allocation_i × yield_i × C) ≥ T × 12`
+
+Conservative portfolios: cap any single position at 25%.
+
+### Step 5 — Present Results
+
+```
+YIELD INTELLIGENCE REPORT
+─────────────────────────────────────────
+Target:  $[X]/month    Required yield: [Y]%
+Capital: $[Z]          Account:       [type]
+
+OPPORTUNITY SCAN
+┌──────────────────┬───────┬──────┬──────────────┐
+│ Asset            │ Yield │ Risk │ $/mo per 100K│
+├──────────────────┼───────┼──────┼──────────────┤
+│ [Top pick]       │  X.X% │  Low │     $XXX     │
+└──────────────────┴───────┴──────┴──────────────┘
+
+RECOMMENDED ALLOCATION ($[Z] capital)
+  [Asset A]  40%  →  $[amount]  →  $[X]/month
+  Total monthly income: $[X]/month ✓
+```
+
+## Best Practices
+
+- ✅ Verify coverage ratios for high-yield REITs before recommending
+- ✅ Note duration risk for long-term Treasuries when rates are rising
+- ✅ Consider account type tax efficiency (Roth vs. taxable vs. traditional IRA)
+- ❌ Don't chase yield without checking dividend sustainability
+
+## Additional Resources
+
+- Repository: [thebrierfox/yield-intelligence-skill](https://github.com/thebrierfox/yield-intelligence-skill)
+- MCP server: [thebrierfox/intuitek-ace](https://github.com/thebrierfox/intuitek-ace)
+- Built by [IntuiTek¹](https://intuitek.ai) (~K¹) — MIT License