KameronKales

comprehensive-plan

Build ONE comprehensive financial plan in a single deliverable by orchestrating the public planfi MCP — retirement/FIRE projection with Monte Carlo backtesting, 529 college funding status, estate-tax exposure, and life/disability protection gaps, every number engine-computed. Use whenever someone asks for "a financial plan", "build me a financial plan", "give me a complete / comprehensive / full plan", "I want one full plan covering retirement, college, estate, and insurance", "do a complete financial review / checkup", or wants one cohesive document instead of several separate analyses — e.g. "build me a financial plan, I'm 40 making $150k with $300k invested" or "give me a comprehensive plan covering everything".

deferred-comp

Model nonqualified deferred comp (NQDC / 409A) elections for high-W2 execs and profitable S/C-corp owner-operators — defer-now-vs-take-now, lump-vs-installment distribution, and bracket / Medicare IRMAA / NIIT / Additional-Medicare smoothing into low-income FIRE bridge years, with employer unsecured-creditor risk. Use whenever someone asks "should I defer my bonus", "NQDC lump vs installment", "defer salary past my 401(k) cap", "what's the creditor risk of my deferred comp", "409A election — defer now or take now?", or "smooth my NQDC payouts to avoid IRMAA". Thin orchestration over the planfi MCP.

portfolio-rebalancer

Cross-account, tax-aware rebalance trade generator. Use whenever someone has holdings across taxable / IRA / Roth / 401(k) and an IPS target allocation and wants the actual buy/sell trades to get back to target — e.g. "rebalance my accounts", "generate the trades to hit my 70/30 target", "which buy-sell trades get me back to my IPS", "my portfolio drifted, what do I trade across my IRA/Roth/401k/taxable", "rebalance my $1.2M back to target — harvest losses and don't trigger short-term gains". It detects drift beyond a rebalancing band, orders trades tax-advantaged-accounts-first, avoids short-term gains, harvests losses within the wash-sale window, and routes new contributions to underweight classes.

debt-and-cashflow

Pay down debt and route surplus cash optimally by orchestrating the public planfi MCP. Use whenever someone wants to know the order to pay off their debts (avalanche vs snowball), whether to consolidate high-rate revolving / credit-card debt into a personal loan or a 0% balance transfer (and whether the transfer fee is worth it), whether to prepay a mortgage or invest the difference, whether refinancing is worth it and when it breaks even, where the next best dollar of savings should go, their optimal student-loan path (which income-driven repayment plan, is PSLF forgiveness worth staying for, or refinance vs aggressive payoff), or how big their emergency fund / cash runway should be (and whether they're holding too much cash) — e.g. "what's my payoff order if I have a credit card and a car loan?", "should I consolidate my credit cards into a personal loan?", "is a 0% balance transfer worth the 3% fee?", "should I pay extra on my mortgage or invest it?", "is it worth refinancing and when do I break even?", "w

equity-comp-planner

Value and tax employer equity and assess single-stock concentration by orchestrating the public planfi MCP. Use whenever someone wants to understand RSUs / ISOs / NSOs / ESPP, find how many ISOs they can exercise before AMT kicks in, or decide whether they hold too much employer stock and what diversifying would cost in tax — e.g. "value my 5,000 RSUs vesting this year", "when does AMT kick in if I exercise 5,000 ISOs at a $12 strike, FMV $40?", "$600k of my $1M net worth is in Acme stock — should I diversify?".

financial-forecast

Build a complete FIRE / financial forecast for a household by orchestrating the public planfi MCP. Use whenever someone wants a financial plan, FIRE projection, retirement forecast, net-worth projection, "when can I retire", "am I on track", or wants to model savings / retirement-age / spending trade-offs — e.g. "build me a financial plan, I'm 34 making $180k with $250k invested", "when can I retire if I save $4k/mo?", "am I on track to retire at 55?".

fire-tracker

Track FIRE progress by orchestrating the public planfi MCP. Use whenever someone wants to know whether they're already financially independent or can coast, how their savings/net worth benchmark against peers, which net-worth milestones they've hit, or whether they can retire by a target age and which levers get them there — e.g. "am I already financially independent?", "can I coast to retirement?", "how do I compare to other people my age?", "what milestones have I hit?", "can I retire by 50?".

long-term-rental-analyzer

Long-term-rental after-tax analyzer for buy-and-hold landlords by orchestrating the public planfi MCP. Use whenever someone wants the AFTER-TAX return on a long-term rental — e.g. "analyze a long-term rental", "buy-and-hold landlord after-tax return", "rental depreciation / recapture / 1031", "Schedule E P&L on a $500k rental", "what's my depreciation tax shelter", "how much tax do I owe when I sell my rental", or "should I do a 1031 exchange". The headline is the year-1 Schedule E P&L + depreciation shelter and the after-tax sale proceeds (with §1250 recapture, LTCG, and NIIT).

relocation-planner

Compare retirement relocation / state-tax arbitrage by orchestrating the public planfi MCP — how much a move (e.g. CA→TX/FL) saves in state income tax, property tax, estate tax, and cost of living — plus model the messy transition year you actually move in (part-year-resident apportionment, source-based wage/equity sourcing, the resident-state credit for taxes paid to the other state, reciprocity, and the 183-day residency test).

rent-vs-buy

Decide whether to rent or buy a home by orchestrating the public planfi MCP. Use whenever someone asks "should I rent or buy", "is it cheaper to buy a $X house vs renting at $Y/mo", "rent vs buy breakeven", "when does buying beat renting", or wants to compare owning a home against renting + investing the difference over time — with the headline being the real home-appreciation rate at which buying ties renting.

retirement-income

Plan retirement decumulation by orchestrating the public planfi MCP. Use whenever someone is at or near retirement and wants to know what order to draw down their accounts, when to claim Social Security, how to bridge health insurance before Medicare at 65, whether they have estate-tax exposure, how to build a guaranteed bond/TIPS income floor for the first N years (sequence-of-returns protection), or how to handle long-term-care cost exposure (self-insure vs an LTC/hybrid policy, and the hit to a surviving spouse) — e.g. "what's the tax-smart drawdown order for my taxable / traditional / Roth accounts?", "when should I claim Social Security?", "what will ACA coverage cost me until 65 if I retire early?", "will my estate owe federal estate tax?", "can I build a Treasury/TIPS ladder to floor my first 10 years of spending?", "will long-term care wipe out my survivor's plan? should I self-insure or buy an LTC/hybrid policy?".

self-employed-planner

Plan self-employed / business-owner retirement and the §199A QBI deduction by orchestrating the public planfi MCP. Use whenever a freelancer, 1099 contractor, sole proprietor, single-member LLC, S-corp owner, or partner asks how much they can shelter in tax-advantaged retirement accounts (Solo 401(k) vs SEP-IRA vs SIMPLE IRA), which account wins, what their QBI / §199A deduction is, or — for an S-corp — what reasonable W-2 salary best trades off payroll tax vs the QBI deduction vs retirement contribution room — e.g. "I'm a 1099 consultant netting $200k, how much can I put in a Solo 401k?", "SEP vs Solo 401k for my LLC?", "what's my QBI deduction as a sole prop?", "what salary should I pay myself from my S-corp?".

startup-equity-planner

Model the two highest-leverage pre-IPO/startup equity moves — the irreversible 30-day 83(b) early-exercise election and the §1202 QSBS gain exclusion (up to $10M legacy / $15M OBBBA, or 10× basis) — by orchestrating the public planfi MCP. Use whenever a startup founder, early employee, pre-IPO equity holder, or C-corp business seller wants to decide whether to file an 83(b) election, see the ordinary-to-LTCG conversion and holding-clock start, or estimate how much sale gain QSBS can exclude — e.g. "I'm a founder with 1,000,000 shares at a $0.001 strike, should I file an 83(b)?", "how much of my $30M exit is excluded under QSBS if I held 5 years?", "is the 83(b) worth it on 40,000 NSOs, strike $1, FMV $5, selling at $25?".

str-investment-analyzer

Analyze short-term-rental (Airbnb/VRBO) property investments by city. Use whenever someone wants to evaluate buying an Airbnb / short-term rental / STR in a specific market — e.g. "analyze an Airbnb in Wilmington NC for $500k", "is a STR in Gatlinburg a good investment?", "cash-on-cash and hold-period return on a vacation rental".

tax-optimizer

Cut taxes across accounts and years by orchestrating the public planfi MCP. Use whenever someone wants to lower their tax bill, time ISO exercises or Roth conversions, build a Roth conversion ladder, find mega-backdoor / after-tax 401(k) space, check NIIT / AMT / state surtax exposure, optimize charitable giving — bunch donations into a donor-advised fund (DAF) to clear the standard deduction, take a QCD at 70½+ that lowers AGI/IRMAA/Social-Security taxation, or give long-term appreciated stock/RSUs in-kind to avoid capital gains while still deducting FMV — realize long-term gains at the 0% capital-gains rate in a low-income year (tax-gain harvesting) — how much gain can I harvest at 0% before NIIT/IRMAA? — harvest lot-level unrealized losses to offset realized gains and up to $3,000 of ordinary income, flag wash sales, suggest replacement securities (tax-loss harvesting) — weigh retirement relocation / state-tax arbitrage — "should I retire in / move to a lower-tax state? compare the lifetime after-tax outco