deferred-complisted

# Deferred Comp (NQDC / 409A) Election Analyzer A thin orchestration layer over the **planfi MCP** (https://ai.planfi.app/mcp, public, no auth). All deferral economics, election-year tax, distribution-year bracket / IRMAA smoothing, and creditor-risk math live server-side. This skill only gathers inputs and calls the tools — it does **not** compute anything locally, carries no defaults of its own, and is read-only. **Related skills:** for RSUs / ISOs / NSOs / ESPP valuation and single-stock concentration, see **equity-comp-planner** (`analyze_equity_compensation`). For owner-operators stacking a 409A election on top of a Solo 401(k) / SEP / defined-benefit plan, see **self-employed-planner** (`analyze_self_employed_retirement`). For the broader bracket / NIIT / IRMAA and Roth-conversion sequencing the distribution years feed into, see **tax-optimizer** (`analyze_advanced_taxes`, `analyze_irmaa`, `analyze_roth_conversion`). ## Step 0 — Make sure the planfi tools are connected This skill uses these tools (may be namespaced, e.g. `mcp__planfi__analyze_deferred_comp`): `analyze_deferred_comp`, `analyze_advanced_taxes`, `analyze_irmaa`, `analyze_roth_conversion`, plus optional `generate_financial_plan` (to mint a `plan_id` for chaining + a `share_url`). Use whichever name your environment exposes (bare or `mcp__planfi__`-prefixed); below they are written bare. If they're NOT available, tell the user to connect the MCP, then continue: ``` claude mcp add --transport http planf