Portfolio Rebalancer

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