ss-tax-torpedo

A thin orchestration layer over the planfi MCP (https://ai.planfi.app/mcp/free). All math + financial logic live server-side. This skill only gathers inputs and calls the tools — it does not compute anything locally, carries no business logic, math, or defaults, and is read-only (it never changes the user's data). The server is the source of truth.

Step 0 — Make sure the planfi tools are connected

This skill uses these tools (may be namespaced, e.g. mcp__planfi__analyze_ss_tax_torpedo): analyze_ss_tax_torpedo, analyze_roth_conversion, analyze_irmaa, analyze_rmd, analyze_survivor_stress_test, optimize_social_security, plus optional 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.

If they're NOT available, tell the user to connect the MCP, then continue: