Retirement Income

A thin orchestration layer over the planfi MCP (https://ai.planfi.app/mcp/free). 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_ibond_ladder, analyze_long_term_care, analyze_spending_strategy, analyze_rmd, analyze_irmaa, analyze_medicare_enrollment, analyze_inherited_ira, analyze_disability_income, 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: