Ability to reconcile balance of accounts in Actual Budget

I have 401k/investment accounts where transaction history shows "payments" when investing money/reinvesting dividends which screws up the balance. I would like the ability to adjust the actual-flow config to support reconciling with the current balance that lunchflow can see in the connection. In essence, this npx @lunchflow/actual-flow reconcile .

My thought is a flag like mode or similar that accepts the following:

• reconcile_only - Only reconciles the balance of the account

  • Useful for off-budget accounts where they're used purely for net worth tracking. I.e. transactions don't really matter

• import_only - Only imports transactions

  • I think this would be default as this appears to be what lunchflow does currently

• import_and_reconcile - Imports transactions and reconciles the balance

  • Does both of the above. Useful for Money Market accounts like Fidelity CMA where the "cash" account balance includes valid cash equivalent funds AND investments. In this case, I want to reconcile the balance since everything in the account is on budget. Currently, importing transactions without reconciling the current balance means the transactions and balance will drift apart.

The config for this might look something like:

{
  "lunchFlow": {
    "apiKey": "<api key>",
    "baseUrl": "https://lunchflow.app/api/v1"
  },
  "actualBudget": {
    "serverUrl": "<url>",
    "budgetSyncId": "<sync id>",
    "password": "<pw>",
    "encryptionPassword": "<pw>",
    "duplicateCheckingAcrossAccounts": true
  },
  "accountMappings": [
    {
      "lunchFlowAccountId": <id>,
      "lunchFlowAccountName": "<acct name>",
      "actualBudgetAccountId": "<actual id>",
      "actualBudgetAccountName": "<actual acct name>",
      "mode": "import_and_reconcile"
    }
  ]
}

Another solution to consider would be to have a reconcile flow that is separate from import that looks like this:

{
  "lunchFlow": {
    "apiKey": "<api key>",
    "baseUrl": "https://lunchflow.app/api/v1"
  },
  "actualBudget": {
    "serverUrl": "<url>",
    "budgetSyncId": "<sync id>",
    "password": "<pw>",
    "encryptionPassword": "<pw>",
    "duplicateCheckingAcrossAccounts": true
  },
  "accountMappings": [
    {
      "lunchFlowAccountId": <id>,
      "lunchFlowAccountName": "<acct name>",
      "actualBudgetAccountId": "<actual id>",
      "actualBudgetAccountName": "<actual acct name>",
      "reconcile": true, # false would skip this account when lunchflow/actual-flow reconcile is run
      "import": true # false would skip this account when lunchflow/actual-flow import is run
    }
  ]
}

That would allow users to run them on different intervals. Bottom line is that lunchflow has access to account balances, so I would like the ability to integrate that with Actual's reconcile.

EDIT: added valid use-case for import_and_reconcile, renamed modes to be more intuitive, added config.json snippet, added another implementation suggestion.