Guides
Task-oriented recipes: the problem, the call, and a rendered result you can lift straight into your own product.
Most guides end with a rendered output drawn from the real example response — a chart, card, or table — with three copy buttons: the request, the response, and the render source (vanilla HTML/CSS, no dependencies). Copy the visual, point it at your own data, ship. (The MCP guide is a setup recipe instead.)
Retirement & Medicare
Retirement readiness check
Monte Carlo success probability + a percentile-band chart of ending balances.
Roth conversion optimizer
Should they convert? A recommendation card with the lifetime after-tax gain.
RMD calculator
This year's required minimum distribution, rendered as a clean result card.
Tax-smart withdrawal sequencing
Cover a spending need from the right accounts in the right order — fill a bracket, spare the Roth.
IRMAA bracket planner
Where a client lands on the Medicare surcharge ladder, and the headroom left.
Social Security tax torpedo
The income band where each extra dollar drags benefits into tax and spikes the effective rate.
Retiring before 59½: the bridge years
A 72(t) SEPP schedule for penalty-free access, and the ACA draw mix that keeps the subsidy.
The widow's penalty
Price the MFJ→single transition — and what converting to Roth while it's cheap is worth.
Tax & equity comp
Tax topography — the marginal-rate map
The whole tax landscape in one call: the true marginal rate across income, with the SS torpedo, IRMAA cliffs, and ACA cliff marked.
Tax-alpha: gain & loss harvesting
Realize gains at 0%, harvest losses for their true NPV — after-tax return at no extra risk.
Quarterly taxes without the penalty
The §6654 safe harbor that governs, the catch-up schedule, and the penalty if nothing changes.
ISO exercise & AMT
Size the AMT a stock-option exercise triggers, and find the largest $0-AMT exercise.
Home, money & benefits
Buying a home: the five mortgage decisions
Rent vs buy, how much house, points, 15-vs-30, and the refi breakeven — one call each.
Where does the next dollar go?
The savings waterfall, the Roth-vs-traditional call, and avalanche-vs-snowball payoff.
Open enrollment, with math
HDHP + HSA vs the PPO in after-tax dollars, FSA vs the credit, and a W-4 checkup.
Rebalancing without the tax bill
Trades, drift, and a contributions-first plan that restores targets without selling a share.
Education & family protection
Paying for college: savings, aid, loans
Size the 529, estimate the FAFSA SAI and financial need, and plan repayment for the gap.
Student loans under the 2026 rules
Standard vs the new RAP vs IBR — initial payment, forgiveness, and the PSLF track, side by side.
Protecting your household
The life-insurance capital need, the after-tax disability gap, and self-insure-vs-insure for LTC.