ingest: switch wealthfolio to pg-sync mirror reads

The previous SQLite-direct reader queried `holdings_snapshot` (singular)
and `accounts.type` — both wrong against the live wealthfolio schema
(plural `holdings_snapshots`, column `account_type`). It silently
returned [] via the OperationalError fallback, leaving fire-planner with
stale account snapshots.

Switch to reading from the wealthfolio_sync PG mirror. The pg-sync
sidecar (defined in infra/stacks/wealthfolio) hourly mirrors SQLite to
Postgres with a clean schema. We read from `daily_account_valuation`
which already has total_value, cost_basis, and explicit fx_rate_to_base
per row — no JSON-decoding of position blobs.

CLI ingest no longer takes --db-path (no kubectl-exec gymnastics);
reads WEALTHFOLIO_SYNC_DB_CONNECTION_STRING from env. Falls back to
DB_CONNECTION_STRING for single-DB local dev.

13 new tests covering: latest-per-account, multi-currency FX, explicit
as-of, empty mirror, null cost_basis, full pipeline through upsert.
140 tests pass; mypy strict + ruff clean.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

fire_planner/__main__.py

@@ -2,7 +2,7 @@
 
 Sub-commands:
 - migrate                 — alembic upgrade head
-- ingest [wealthfolio]    — load wealthfolio sqlite into account_snapshot
+- ingest [wealthfolio]    — pull from wealthfolio_sync PG mirror into account_snapshot
 - simulate                — run a single scenario, pretty-print
 - recompute-all           — run the 120-scenario Cartesian, persist all
 - serve                   — run the FastAPI on-demand /recompute server
@@ -21,10 +21,15 @@ from pathlib import Path
 
 import click
 import numpy as np
+from sqlalchemy.ext.asyncio import async_sessionmaker
 
 from fire_planner.db import create_engine_from_env, make_session_factory
 from fire_planner.glide_path import get as get_glide
-from fire_planner.ingest import wealthfolio as wf_ingest
+from fire_planner.ingest.wealthfolio import upsert_snapshots
+from fire_planner.ingest.wealthfolio_pg import (
+    create_wf_sync_engine_from_env,
+    read_account_snapshots_from_pg,
+)
 from fire_planner.reporters.cli import format_scenario
 from fire_planner.reporters.pg import write_run
 from fire_planner.returns.bootstrap import block_bootstrap
@@ -57,32 +62,38 @@ def migrate() -> None:
               type=click.Choice(["wealthfolio"]),
               default="wealthfolio",
               help="Data source — currently only wealthfolio is wired.")
-@click.option("--db-path",
-              type=click.Path(exists=True, dir_okay=False, path_type=Path),
-              required=False,
-              help="Local sqlite path (after kubectl exec). Required for --source=wealthfolio.")
 @click.option("--as-of",
               type=click.DateTime(formats=["%Y-%m-%d"]),
               default=None,
-              help="Snapshot date to read; defaults to MAX(snapshot_date) in the sqlite.")
-def ingest(source: str, db_path: Path | None, as_of: date | None) -> None:
+              help="Valuation date to read; defaults to MAX(valuation_date) in the mirror.")
+def ingest(source: str, as_of: date | None) -> None:
     """Pull external state into fire_planner.account_snapshot."""
     if source == "wealthfolio":
-        if db_path is None:
-            raise click.UsageError("--db-path is required for --source=wealthfolio")
-        asyncio.run(_ingest_wealthfolio(db_path, as_of))
+        asyncio.run(_ingest_wealthfolio(as_of))
 
 
-async def _ingest_wealthfolio(db_path: Path, as_of: date | None) -> None:
-    rows = wf_ingest.read_account_snapshots(db_path, as_of=as_of)
+async def _ingest_wealthfolio(as_of: date | None) -> None:
+    """Read account snapshots from wealthfolio_sync PG mirror, upsert."""
+    wf_engine = create_wf_sync_engine_from_env()
+    try:
+        wf_factory = async_sessionmaker(wf_engine, expire_on_commit=False)
+        async with wf_factory() as wf_sess:
+            rows = await read_account_snapshots_from_pg(wf_sess, as_of=as_of)
+    finally:
+        await wf_engine.dispose()
+
     if not rows:
-        click.echo("warning: no rows read — wealthfolio sqlite empty or schema unrecognised",
-                   err=True)
+        click.echo(
+            "warning: no rows read — wealthfolio_sync mirror is empty or "
+            "no rows on the requested date",
+            err=True,
+        )
+
     engine = create_engine_from_env()
     factory = make_session_factory(engine)
     try:
         async with factory() as sess:
-            n = await wf_ingest.upsert_snapshots(sess, rows)
+            n = await upsert_snapshots(sess, rows)
             await sess.commit()
         click.echo(f"wealthfolio ingest: {n} rows upserted")
     finally:

fire_planner/ingest/wealthfolio.py

@@ -1,28 +1,14 @@
-"""Wealthfolio ingest — kubectl exec into the wealthfolio pod, read the
-SQLite DB read-only, parse account snapshots, upsert into
-`fire_planner.account_snapshot`.
+"""Upsert helper for wealthfolio account snapshots.
 
-Wealthfolio stores every account's NW + holdings in
-`/data/app.db` (SQLite). The published schema (post-2025) keeps a
-`holdings_snapshot` table per (account_id, date). For the planner we
-fold to total NW per account per day.
+The actual read happens in `wealthfolio_pg.py` (against the
+`wealthfolio_sync` PG mirror). This module keeps the upsert helper that
+both prod and tests use, so callers can:
 
-Phase 0 prerequisite: `wealthfolio-sync` must record a snapshot for
-every active account every day. Until that lands the Schwab and
-InvestEngine accounts read as stale snapshots from years ago and the
-planner anchors on £154k instead of the real ~£1M. See
-`fire-planner/README.md` and the parent CLAUDE.md project memory.
-
-This module does NOT shell out to kubectl — that's the operator's job.
-Instead, callers pass an already-fetched local SQLite file path
-(typically `/tmp/wealthfolio.db`). The CLI wraps the kubectl exec.
+    rows = await read_account_snapshots_from_pg(wf_session)
+    await upsert_snapshots(session, rows)
 """
 from __future__ import annotations
 
-import sqlite3
-from datetime import date
-from decimal import Decimal
-from pathlib import Path
 from typing import Any
 
 from sqlalchemy.dialects.postgresql import insert as pg_insert
@@ -39,77 +25,8 @@ def _dialect_insert(session: AsyncSession) -> Any:
     return pg_insert
 
 
-def read_account_snapshots(db_path: str | Path, as_of: date | None = None) -> list[dict[str, Any]]:
-    """Read the latest snapshot row per account.
-
-    Returns a list of dicts ready for upsert into `account_snapshot`.
-    Each dict has: external_id, snapshot_date, account_id, account_name,
-    account_type, currency, market_value, market_value_gbp.
-    """
-    db_path = Path(db_path)
-    if not db_path.exists():
-        raise FileNotFoundError(f"Wealthfolio sqlite db not found: {db_path}")
-    conn = sqlite3.connect(f"file:{db_path}?mode=ro", uri=True)
-    conn.row_factory = sqlite3.Row
-    try:
-        rows = list(_query_snapshots(conn, as_of))
-    finally:
-        conn.close()
-    return rows
-
-
-def _query_snapshots(conn: sqlite3.Connection, as_of: date | None) -> list[dict[str, Any]]:
-    """Wealthfolio's actual schema is opaque (different versions ship
-    different tables). We try the v1 layout first (`accounts` +
-    `holdings_snapshot`); if that fails, return empty and let the CLI
-    surface the error to the operator.
-    """
-    cur = conn.cursor()
-    try:
-        if as_of is None:
-            cur.execute("SELECT MAX(snapshot_date) FROM holdings_snapshot", )
-            row = cur.fetchone()
-            as_of_str = row[0] if row and row[0] else date.today().isoformat()
-        else:
-            as_of_str = as_of.isoformat()
-
-        cur.execute(
-            """
-            SELECT a.id          AS account_id,
-                   a.name        AS account_name,
-                   a.type        AS account_type,
-                   a.currency    AS currency,
-                   SUM(h.market_value)        AS market_value,
-                   SUM(h.market_value_gbp)    AS market_value_gbp,
-                   ?             AS snapshot_date
-              FROM holdings_snapshot h
-              JOIN accounts a ON a.id = h.account_id
-             WHERE h.snapshot_date = ?
-             GROUP BY a.id
-            """,
-            (as_of_str, as_of_str),
-        )
-    except sqlite3.OperationalError:
-        # Fallback: empty list — the operator should run wealthfolio-sync
-        # to populate snapshots and try again.
-        return []
-    rows = []
-    for row in cur.fetchall():
-        snap_date = date.fromisoformat(row["snapshot_date"])
-        rows.append({
-            "external_id": f"wealthfolio:{row['account_id']}:{row['snapshot_date']}",
-            "snapshot_date": snap_date,
-            "account_id": str(row["account_id"]),
-            "account_name": row["account_name"] or "",
-            "account_type": row["account_type"] or "unknown",
-            "currency": row["currency"] or "GBP",
-            "market_value": Decimal(str(row["market_value"] or 0)),
-            "market_value_gbp": Decimal(str(row["market_value_gbp"] or 0)),
-        })
-    return rows
-
-
 async def upsert_snapshots(session: AsyncSession, rows: list[dict[str, Any]]) -> int:
+    """Idempotent upsert on `external_id` (one row per account per day)."""
     if not rows:
         return 0
     insert_ = _dialect_insert(session)
@@ -120,6 +37,8 @@ async def upsert_snapshots(session: AsyncSession, rows: list[dict[str, Any]]) ->
         "snapshot_date": stmt.excluded.snapshot_date,
         "account_name": stmt.excluded.account_name,
         "account_type": stmt.excluded.account_type,
+        "currency": stmt.excluded.currency,
+        "cost_basis_gbp": stmt.excluded.cost_basis_gbp,
     }
     stmt = stmt.on_conflict_do_update(index_elements=["external_id"], set_=update_cols)
     await session.execute(stmt)

fire_planner/ingest/wealthfolio_pg.py

@@ -0,0 +1,115 @@
+"""Wealthfolio ingest from the wealthfolio_sync Postgres mirror.
+
+The wealthfolio pod runs a `pg-sync` sidecar that hourly snapshots its
+local SQLite to the `wealthfolio_sync` PG database. Reading from that
+mirror (rather than the live SQLite via kubectl-exec) is more reliable:
+no cross-pod copy, no schema-mismatch swallowing, multi-process safe,
+and Grafana already trusts it.
+
+Source schema (defined in `infra/stacks/wealthfolio/main.tf`):
+
+    accounts(id, name, account_type, currency, is_active)
+    daily_account_valuation(id, account_id, valuation_date,
+                            account_currency, base_currency,
+                            fx_rate_to_base,
+                            cash_balance, investment_market_value,
+                            total_value, cost_basis, net_contribution)
+
+`daily_account_valuation` is the right table for time-series NW per
+account — `total_value` is in `account_currency`; multiply by
+`fx_rate_to_base` to get the user's base (typically GBP). The mirror
+filters out the synthetic `'TOTAL'` account_id so we never see it here.
+"""
+from __future__ import annotations
+
+import os
+from datetime import date
+from decimal import ROUND_HALF_EVEN, Decimal
+from typing import Any
+
+from sqlalchemy import text
+from sqlalchemy.ext.asyncio import AsyncEngine, AsyncSession, create_async_engine
+
+_TWO_PLACES = Decimal("0.01")
+
+
+def create_wf_sync_engine_from_env() -> AsyncEngine:
+    """Engine for the wealthfolio_sync mirror DB.
+
+    Reads `WEALTHFOLIO_SYNC_DB_CONNECTION_STRING`; falls back to
+    `DB_CONNECTION_STRING` for single-DB local dev. Raises if neither
+    is set so callers fail loudly instead of silently using the wrong DB.
+    """
+    url = (
+        os.environ.get("WEALTHFOLIO_SYNC_DB_CONNECTION_STRING")
+        or os.environ.get("DB_CONNECTION_STRING")
+    )
+    if not url:
+        raise RuntimeError(
+            "WEALTHFOLIO_SYNC_DB_CONNECTION_STRING (or DB_CONNECTION_STRING) "
+            "must be set to read the wealthfolio_sync mirror"
+        )
+    return create_async_engine(url, pool_pre_ping=True)
+
+
+async def read_account_snapshots_from_pg(
+    wf_session: AsyncSession,
+    as_of: date | None = None,
+) -> list[dict[str, Any]]:
+    """Read latest NW per account from `daily_account_valuation`.
+
+    Returns a list of dicts with the same shape as
+    `wealthfolio.read_account_snapshots()`, so `upsert_snapshots()`
+    accepts either source.
+
+    If `as_of` is None, picks the max `valuation_date` in the mirror
+    (i.e. "latest"). If `as_of` is given, returns rows for that exact
+    date; if no rows exist, returns [].
+    """
+    if as_of is None:
+        latest = (await wf_session.execute(
+            text("SELECT MAX(valuation_date) FROM daily_account_valuation"))).scalar()
+        if latest is None:
+            return []
+        target = latest if isinstance(latest, date) else date.fromisoformat(str(latest))
+    else:
+        target = as_of
+
+    rows = (await wf_session.execute(
+        text("""
+            SELECT a.id            AS account_id,
+                   a.name          AS account_name,
+                   a.account_type  AS account_type,
+                   COALESCE(d.account_currency, a.currency, 'GBP') AS currency,
+                   d.total_value      AS total_value,
+                   d.cost_basis       AS cost_basis,
+                   COALESCE(d.fx_rate_to_base, 1.0) AS fx_rate_to_base,
+                   d.valuation_date AS snapshot_date
+              FROM daily_account_valuation d
+              JOIN accounts a ON a.id = d.account_id
+             WHERE d.valuation_date = :as_of
+        """), {"as_of": target})).mappings().all()
+
+    out: list[dict[str, Any]] = []
+    for r in rows:
+        snapshot_date = (r["snapshot_date"] if isinstance(r["snapshot_date"], date) else
+                         date.fromisoformat(str(r["snapshot_date"])))
+        total_value = Decimal(str(r["total_value"] or 0))
+        fx = Decimal(str(r["fx_rate_to_base"]))
+        market_value_gbp = (total_value * fx).quantize(_TWO_PLACES, rounding=ROUND_HALF_EVEN)
+        cost_basis_gbp: Decimal | None = None
+        if r["cost_basis"] is not None:
+            cost_basis_gbp = (Decimal(str(r["cost_basis"])) *
+                              fx).quantize(_TWO_PLACES, rounding=ROUND_HALF_EVEN)
+        out.append({
+            "external_id": f"wealthfolio:{r['account_id']}:{snapshot_date.isoformat()}",
+            "snapshot_date": snapshot_date,
+            "account_id": str(r["account_id"]),
+            "account_name": r["account_name"] or "",
+            "account_type": r["account_type"] or "unknown",
+            "currency": r["currency"] or "GBP",
+            "market_value": total_value,
+            "market_value_gbp": market_value_gbp,
+            "cost_basis_gbp": cost_basis_gbp,
+        })
+    return out