From fa52271e5d4f5d92c0cd9238f368efec65f5eeb3 Mon Sep 17 00:00:00 2001
From: Priyanka Punukollu <priyankapunukollu@Priyankas-MacBook-Pro.local>
Date: Thu, 26 Feb 2026 20:50:39 -0600
Subject: [PATCH] feat: improve net worth response formatting with clear
 financial picture layout

Build pre-formatted financial picture template in property_net_worth executor.
Shows investment portfolio, real estate equity per property, total net worth,
and portfolio breakdown percentages. If no properties, prompts user to add one.
Template is passed as tool result so LLM presents it cleanly.

Made-with: Cursor
---
 agent/graph.py | 72 ++++++++++++++++++++++++++++++++++++++++++++++++++
 1 file changed, 72 insertions(+)

diff --git a/agent/graph.py b/agent/graph.py
index 32fd9ab8e..d94dd61de 100644
--- a/agent/graph.py
+++ b/agent/graph.py
@@ -1640,6 +1640,78 @@ async def tools_node(state: AgentState) -> AgentState:
         net_worth_result = await get_total_net_worth(pv)
         tool_results.append(net_worth_result)
 
+        # Build a pre-formatted financial picture for the LLM to present
+        nw_data = (
+            net_worth_result.get("result", {})
+            if net_worth_result.get("success")
+            else {}
+        )
+        if nw_data:
+            inv = nw_data.get("investment_portfolio", pv)
+            re_equity = nw_data.get("real_estate_equity", 0.0)
+            total_nw = nw_data.get("total_net_worth", inv + re_equity)
+            props = nw_data.get("properties", [])
+
+            lines = ["📊 YOUR COMPLETE FINANCIAL PICTURE", ""]
+            lines.append("💼 Investment Portfolio")
+            lines.append(f"   Total value: ${inv:,.0f}")
+
+            # Top holdings if available
+            holdings = []
+            if perf_result.get("success"):
+                holdings = (
+                    perf_result.get("result", {})
+                    .get("holdings", [])[:3]
+                )
+            for h in holdings:
+                sym = h.get("symbol", h.get("name", ""))
+                val = h.get("current_value_usd", 0)
+                if sym and val:
+                    lines.append(f"   • {sym}: ${val:,.0f}")
+
+            lines.append("")
+            lines.append("🏠 Real Estate")
+
+            if props:
+                for p in props:
+                    addr = p.get("address", "Property")
+                    curr_val = p.get("current_value", 0)
+                    mtg = p.get("mortgage_balance", 0)
+                    eq = p.get("equity", curr_val - mtg)
+                    monthly_rent = p.get("monthly_rent", 0)
+                    lines.append(f"   {addr}: ${eq:,.0f} equity")
+                    lines.append(f"   (${curr_val:,.0f} value — ${mtg:,.0f} mortgage)")
+                    if monthly_rent and monthly_rent > 0:
+                        lines.append(f"   Monthly rental income: ${monthly_rent:,.0f}/mo")
+            else:
+                lines.append(
+                    "   You haven't added any properties yet. "
+                    "Say 'add my home' to track your real estate equity "
+                    "alongside your investments."
+                )
+
+            lines.append("")
+            lines.append("━" * 36)
+            lines.append(f"💰 TOTAL NET WORTH: ${total_nw:,.0f}")
+            lines.append("━" * 36)
+
+            if total_nw > 0 and (inv > 0 or re_equity > 0):
+                inv_pct = (inv / total_nw * 100) if total_nw > 0 else 0
+                re_pct = (re_equity / total_nw * 100) if total_nw > 0 else 0
+                lines.append("")
+                lines.append(
+                    f"Your investments make up {inv_pct:.0f}% of your net worth"
+                    f" and your real estate equity makes up {re_pct:.0f}%."
+                )
+
+            formatted_picture = "\n".join(lines)
+            tool_results.append({
+                "tool_name": "net_worth_formatted",
+                "success": True,
+                "tool_result_id": "net_worth_formatted_result",
+                "result": {"formatted_picture": formatted_picture},
+            })
+
     # --- Wealth Bridge tools ---
     elif query_type == "wealth_down_payment":
         perf_result = await portfolio_analysis(token=tok)