Self-Employed Planner

A thin orchestration layer over the planfi MCP (https://ai.planfi.app/mcp/free). All self-employment-tax, contribution-limit, QBI, and S-corp-salary math lives server-side. This skill only gathers inputs and calls the tools — it does not compute anything locally, bakes in no limits/thresholds/defaults of its own, and is read-only. The server is the source of truth.

Related skills: owner-operators of a profitable S/C-corp can layer an employer Nonqualified Deferred Comp (NQDC / 409A) election on top of the qualified-plan contributions — see deferred-comp (analyze_deferred_comp) for the defer-now-vs-take-now / lump-vs-installment tradeoff.

Step 0 — Make sure the planfi tools are connected

This skill uses these tools (may be namespaced, e.g. mcp__planfi__analyze_self_employed_retirement): analyze_self_employed_retirement, analyze_estimated_taxes, analyze_estimated_tax_annualized, optimize_multi_year_tax, analyze_owner_cash_balance_db, plus optional generate_financial_plan (to mint a plan_id for chaining + the only share_url). Use whichever name your environment exposes (bare or mcp__planfi__-prefixed); below they are written bare.