retirement-incomelisted

Plan retirement decumulation by orchestrating the public planfi MCP. Use whenever someone is at or near retirement and wants to know what order to draw down their accounts, when to claim Social Security, how to bridge health insurance before Medicare at 65, whether they have estate-tax exposure, how to build a guaranteed bond/TIPS income floor for the first N years (sequence-of-returns protection), or how to handle long-term-care cost exposure (self-insure vs an LTC/hybrid policy, and the hit to a surviving spouse) — e.g. "what's the tax-smart drawdown order for my taxable / traditional / Roth accounts?", "when should I claim Social Security?", "what will ACA coverage cost me until 65 if I retire early?", "will my estate owe federal estate tax?", "can I build a Treasury/TIPS ladder to floor my first 10 years of spending?", "will long-term care wipe out my survivor's plan? should I self-insure or buy an LTC/hybrid policy?".
KameronKales/planfi-skills · ★ 0 · AI & Automation · score 75

Install: claude install-skill KameronKales/planfi-skills

# Retirement Income A thin orchestration layer over the **planfi MCP** (https://ai.planfi.app/mcp, public, no auth). All decumulation math — withdrawal sequencing, RMD timing, Social Security actuarial breakeven, ACA subsidy cliffs, and estate-tax exemption logic — lives 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. Each tool applies its own server-side defaults and reports them back in a structured `assumed_defaults[]` array (read those back to the user — see Step 3). Read-only. ## Step 0 — Make sure the planfi tools are connected This skill uses these tools (may be namespaced, e.g. `mcp__planfi__analyze_withdrawal_strategy`): `analyze_withdrawal_strategy`, `optimize_social_security`, `analyze_healthcare_bridge`, `analyze_estate_exposure`, `analyze_guaranteed_income`, `analyze_defined_benefit`, `analyze_annuity_products`, `analyze_bond_ladder`, `analyze_cash_ladder`, `analyze_long_term_care`, `analyze_spending_strategy`, `analyze_rmd`, `analyze_irmaa`, `analyze_inherited_ira`, plus optional `generate_financial_plan` (for `plan_id` 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 connector pointing at https://ai.pla