Startup Equity Planner

A thin orchestration layer over the planfi MCP (https://ai.planfi.app/mcp/free). All 83(b), AMT, QSBS §1202, and federal/NIIT/state tax math live server-side. This skill only gathers inputs and calls the tools — it does not compute anything locally and bakes in no thresholds, caps, or defaults of its own. Read-only.

Related skills: for broader RSU/ISO/NSO/ESPP grant valuation and single-stock concentration, see equity-comp-planner; this skill is the pre-IPO/founder-specific companion (83(b) + QSBS).

Step 0 — Make sure the planfi tools are connected

This skill uses these tools (may be namespaced, e.g. mcp__planfi__analyze_startup_equity): analyze_startup_equity, analyze_equity_compensation, analyze_iso_amt_crossover, 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: