tax-optimizerlisted

Cut taxes across accounts and years by orchestrating the public planfi MCP. Use whenever someone wants to lower their tax bill, time ISO exercises or Roth conversions, build a Roth conversion ladder, find mega-backdoor / after-tax 401(k) space, check NIIT / AMT / state surtax exposure, optimize charitable giving — bunch donations into a donor-advised fund (DAF) to clear the standard deduction, take a QCD at 70½+ that lowers AGI/IRMAA/Social-Security taxation, or give long-term appreciated stock/RSUs in-kind to avoid capital gains while still deducting FMV — realize long-term gains at the 0% capital-gains rate in a low-income year (tax-gain harvesting) — how much gain can I harvest at 0% before NIIT/IRMAA? — harvest lot-level unrealized losses to offset realized gains and up to $3,000 of ordinary income, flag wash sales, suggest replacement securities (tax-loss harvesting) — weigh retirement relocation / state-tax arbitrage — "should I retire in / move to a lower-tax state? compare the lifetime after-tax outco
KameronKales/planfi-skills · ★ 0 · AI & Automation · score 75

Install: claude install-skill KameronKales/planfi-skills

# Tax Optimizer A thin orchestration layer over the **planfi MCP** (https://ai.planfi.app/mcp, public, no auth). All tax math, brackets, and limits 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. Every tool returns a structured **`assumed_defaults[]`** array (`{ field, assumed_value, note }`) listing each input it had to assume — always read these back to the user. **Related skills:** for high-W2 execs weighing an employer Nonqualified Deferred Comp (NQDC / 409A) election — defer-now-vs-take-now, lump-vs-installment distribution, and smoothing the distribution years' brackets / IRMAA — see **deferred-comp** (`analyze_deferred_comp`). ## Step 0 — Make sure the planfi tools are connected This skill uses these tools (may be namespaced, e.g. `mcp__planfi__analyze_tax_optimization`): `analyze_tax_optimization`, `optimize_multi_year_tax`, `analyze_roth_conversion`, `analyze_mega_backdoor_roth`, `analyze_advanced_taxes`, `analyze_gain_harvesting`, `analyze_tax_loss_harvesting`, `analyze_charitable_giving`, `analyze_relocation`, `analyze_savers_credit`, `analyze_72t_sepp`, `analyze_hsa_retirement`, 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: ``` clau