Check whether the Personal Capital session is authenticated and valid. Returns a status message. If not authenticated, explains how to fix it.

List all Personal Capital / Empower accounts with current balances. Accounts are grouped by type: cash (checking/savings), credit (credit cards), investment (brokerage/401k/IRA), loan (mortgage/auto/student), and other. Closed accounts are always excluded. Zero-balance accounts are shown by default. Use type_filter to narrow to a specific category.

Get a summary of current net worth broken down into total assets vs total liabilities, with subtotals by account category (cash, investments, credit cards, loans).

Fetch recent transactions from all connected accounts. Supports filtering by keyword (merchant/description) and minimum dollar amount. Returns up to 100 transactions sorted most-recent first.

Show investment holdings and asset allocation breakdown. Displays allocation by asset class (US Stocks, International Stocks, Bonds, etc.) with dollar values and percentages, then lists holdings per account. Use account_filter to focus on retirement accounts, a specific brokerage, etc.