wealth-planninglisted

# Wealth Planning Skill Pack (`wealth-planning`) This skill pack equips AI agents (**Claude Code, Devin, Cursor, Antigravity, OpenAI Codex**) to run retirement and tax planning calculations with local, zero-dependency Node.js engines, and to guide the parts of household planning that need other tools or professional judgment. --- ## When to Activate Trigger this skill when the user asks to: - Build or evaluate a household financial plan or retirement income strategy. - Estimate Roth conversion headroom from a client's AGI (read the AGI from the return yourself; there is no tax-return parser). - Calculate Required Minimum Distributions (RMDs) for retirement accounts. - Run Monte Carlo simulations for retirement success probability. --- ## Engine-Backed Capabilities | Capability | Engine function | CLI | |---|---|---| | Roth conversion bracket headroom (tax year 2026, MFJ or Single, standard deduction) | `calculateTaxBracketHeadroom` | `planning tax-headroom` | | Required minimum distributions (Uniform Lifetime Table; RMDs start at 73, or 75 if born 1960 or later) | `calculateRMD` | `planning rmd` | | Retirement Monte Carlo with inflation-adjusted withdrawals | `runMonteCarloCashFlow` | `planning monte-carlo` | | Capital gain and loss netting, the $3,000 limit and carryover by character (IRC §§1211, 1212, 1222) | `netCapitalGainsAndLosses` | `planning capital-losses` | | Net investment income tax (IRC §1411) | `calculateNetInvestmentIncomeTax` | `planning niit` | ## Gui