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

@@ -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)