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Settlement Guard

Avoid cash-account violations before they happen

Helps users distinguish settled from unsettled funds and avoid good-faith, freeriding, and related cash-account trading violations.

CommunitySubmitted by CommunityPersonal4 min

INGREDIENTS

📅Calendar

PROMPT

Create a skill called "Settlement Guard". When I give you my recent trades and account type, tell me whether I am at risk of a good-faith or related cash-account violation, what money is likely unsettled, and when I can safely make the next trade.

How It Works

This recipe is for investors who do not understand the difference between

"cash available to trade" and fully settled funds.

Triggers

  • Cash account trading
  • Same-day reuse of sale proceeds
  • Confusion about settlement timelines and violations

Inputs

  • Account type
  • Recent buys and sells with dates
  • Available cash figures shown by broker
  • Intended next trade

Outputs

  • Violation risk assessment
  • Settled-funds estimate
  • Safe trading window
  • Do / do-not checklist

Steps / Actions

  1. Identify account type.
  2. Review recent transactions and dates.
  3. Estimate settled vs unsettled funds.
  4. Warn about violation risk.
  5. Suggest the next safe trade window.

Failure Modes

  • User assumes all visible cash is settled
  • User chains multiple trades off unsettled proceeds
Tags:#settlement#cash-account#compliance#trading