Deferred Comp (NQDC / 409A) Election Analyzer

A thin orchestration layer over the planfi MCP (https://ai.planfi.app/mcp/free). 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