# `zfin audit`

Two modes in one command: a portfolio hygiene check, and reconciliation
against a brokerage export.

```
Usage: zfin audit [opts]
```

**Flagless** runs the hygiene check -- stale manual prices,
accounts overdue for update, stale tax-loss-harvested figures,
unhandled stock splits, and auto-discovered brokerage-file candidates.
**With brokerage flags**, it reconciles your portfolio against the
export (treating the brokerage as source of truth) and reports
discrepancies.

## Options

| Flag                  | Effect                                                                                      |
|-----------------------|---------------------------------------------------------------------------------------------|
| `--verbose`           | Show full reconciliation output even when clean.                                            |
| `--stale-days <N>`    | Manual-price staleness threshold (default 3).                                               |
| `--fidelity <CSV>`    | Fidelity positions CSV ("All accounts" -> Positions tab -> Download).                       |
| `--schwab <CSV>`      | Schwab positions CSV: one account, or "All Brokerage Accounts".                             |
| `--schwab-summary`    | Schwab account summary: paste from the summary page to stdin, then Ctrl-D.                  |
| `--wells-fargo <XLS>` | Wells Fargo positions spreadsheet (Download Type "Portfolio-Expanded Detail", "Positions"). |

Reconciliation matches export accounts to yours via `institution::` and
`account_number::` in [`accounts.srf`](../config/accounts-srf.md). An
unmatched account in a single-account Schwab export is reported as
"unmapped." Exports that cover every account (Fidelity, Schwab's All
Brokerage Accounts and summary, Wells Fargo) instead name their
unmatched accounts on one "not in accounts.srf, not reconciled" line,
and one with no matched accounts at all is skipped as another
portfolio's. See [how accounts are matched](../../guides/audit-against-brokerage.md#how-accounts-are-matched).

The hygiene check also flags newly-appeared lots worth at least
$10,000 in a **Large new lots - confirm source** section, so you can
confirm whether each is a real contribution or an unrecorded transfer.
The cutoff is per account -- raise or lower it on an account's record
via [`audit_large_lot_threshold`](../config/accounts-srf.md#audit_large_lot_threshold)
in `accounts.srf` (e.g. to silence a noisy ESPP account).

It also lists held symbols that had a stock split *after* a lot's
purchase date but haven't opted into automatic split adjustment, in an
**Unhandled stock splits** section. Each needs a
[`splits_current_through`](../config/metadata-srf.md#stock-split-adjustment)
date on its `metadata.srf` row -- without it, that holding's shares (and
every value derived from them) are misstated across the split.

Accounts carrying a hand-declared
[`harvested`](../config/accounts-srf.md#harvested-and-harvested_date)
figure get a **Stale harvested figures** section once the figure is more
than 90 days old, or if it has no `harvested_date` at all. The section
is omitted entirely for portfolios where no account declares one. Past
12 months the annotation itself retires, and the nag says
`no longer displayed` so it can't vanish without explanation.

Accounts declaring
[`tax_mix_*`](../config/accounts-srf.md#mixed-tax-treatment) carve-outs
get the same treatment in a separate **Stale tax-mix figures** section,
on the same 90-day clock. One difference worth knowing: a stale tax mix
**keeps applying**. It feeds real breakdown totals, so retiring it would
silently move your pre-tax vs post-tax picture. This nag is the only
consequence of letting it age.

## Example (hygiene check)

```bash
ZFIN_HOME=examples/pre-retirement-both zfin audit
```

```
  Portfolio hygiene

  Stale manual prices (>3 days - --stale-days to configure)
    (none)

  Accounts overdue for update (weekly default - set update_cadence in accounts.srf)
    Sam 401k                         weekly    no update history found
    Joint taxable                    weekly    no update history found
```

> Brokerage exports contain real account numbers and holdings. Keep
> them out of any git repo and delete them after reconciling.

## See also

- [Audit against your brokerage](../../guides/audit-against-brokerage.md) -- the workflow.
- [`import`](import.md) -- build a portfolio file *from* an export instead.
- [`accounts.srf` reference](../config/accounts-srf.md) -- `update_cadence`, `institution`, `account_number`.
- [`metadata.srf` reference](../config/metadata-srf.md#stock-split-adjustment) -- `splits_current_through` for the unhandled-splits check.

---

[CLI command reference](index.md)