self-employed-plannerlisted

# Self-Employed Planner A thin orchestration layer over the **planfi MCP** (https://ai.planfi.app/mcp, public, no auth). 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`, `optimize_multi_year_tax`, 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. If they're NOT available, tell the user to connect the MCP, then continue: ``` claude mcp add --transport http planfi https://ai.planfi.app/mcp ``` (On claude.ai: add a custom connector pointing at https://ai.planfi.app/mcp — no auth.) ## Step 1 — (Optional) build a plan first to chain context + get a share link > **Feed it into the fo