portfolio-rebalancerlisted

# Portfolio Rebalancer A thin orchestration layer over the **planfi MCP** (https://ai.planfi.app/mcp, public, no auth). All drift detection, tax-aware trade ordering, LTCG/NIIT pricing, wash-sale logic, and contribution routing live server-side. This skill only gathers inputs and calls the tools — it does **not** compute anything locally and bakes in no defaults of its own. Read-only. **Related skills:** rebalancing is tax-driven — the natural follow-through is the **tax-optimizer** skill (`analyze_tax_loss_harvesting` to harvest lot-level unrealized losses against realized gains and up to $3,000 of ordinary income; `analyze_gain_harvesting` to see how much long-term gain you can realize at the 0% capital-gains rate before NIIT/IRMAA bites). Use those for the loss-harvest and 0% gain-harvest follow-through after you've generated the rebalance trade list. ## Step 0 — Make sure the planfi tools are connected This skill uses these tools (may be namespaced, e.g. `mcp__planfi__analyze_rebalancing_trades`): `analyze_rebalancing_trades`, plus optional `analyze_tax_loss_harvesting`, `analyze_gain_harvesting`, and `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 planfi https://ai.planfi.app/mcp ``` (On claude.ai: add a custom connect