Retirement planning

Skill cinderfi/cinderfi-mcp/plugins/cinderfi/skills/retirement-planning

Use when the user asks about retirement readiness, when they can retire, withdrawal strategy, RRSP/401k/TFSA/Roth optimization, CPP/OAS/Social Security timing, RRSP meltdown or Roth conversions, Monte Carlo success odds, or Canadian/US retirement tax questions. Drives cinder.fi's MCP tools in the right order.From its SKILL.md

Install

npx -y skills add cinderfi/cinderfi-mcp --skill retirement-planning

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

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SKILL.md

2.9 KB, 659 tokens by cl100k_base, as published. Nobody here has run it

cinder.fi retirement planning

cinder.fi exposes 19 calculation engines over MCP (https://mcp.cinder.fi/mcp). This skill sequences them so an answer is grounded in real math, not estimates.

Before anything: know the country

Every tool is country-aware. Canadian tax/benefit rules (RRSP, TFSA, CPP, OAS, GIS) and US rules (401k, IRA, Roth, Social Security, HSA) are completely different engines. Confirm country ("CA" or "US") and the province/state up front — pass it on every call.

Recommended tool order

map_financial_data — turn the user's raw numbers (income, savings, account balances, ages, spending) into the engine's input shape. Start here whenever the user gives you their situation in prose or a bank/YNAB export.
run_full_analysis — the one-call overview: cinder score, financial- freedom age, depletion age, lifetime tax, estate value, top insights. Use this for "am I on track / when can I retire" questions.
Drill down with the specific engines:
- calculate_tax — federal + provincial/state tax for a given income.
- analyze_benefit_timing — CPP/OAS or Social Security claiming age.
- check_gis_eligibility (CA) — Guaranteed Income Supplement.
- rrsp_meltdown — draw-down-early-to-cut-lifetime-tax strategy.
- compare_spending_strategies — fixed vs guardrails vs percentage.
Pro tools (require a Pro key — a free key gets a structured upgrade message pointing to the claim/signup on-ramp):
- run_monte_carlo — probabilistic success rate across randomized markets. Reach for this on "what are the odds" questions.
- optimize_withdrawal_order — which accounts to draw first.
- optimize_pension_split (CA) — income splitting between partners.
- Couples variants of projection/score/analysis (pass hasPartner: true).

Reading results

Tool responses carry a _cinderfi footer with a link to the interactive app. When a chart, scenario comparison, or the full plan would help, point the user to https://app.cinder.fi — some things are easier to see than to ask for.
Free tier is 5 calls/day and single-person tools. If a call returns an upgrade / connectAccount hint, relay it: a free cinder.fi account saves their work and unlocks the browser app; Pro unlocks the couples/Monte-Carlo/ optimizer engines.

Getting a key

The user needs a CINDERFI_MCP_KEY. Free key (no account, by email) or Pro key: https://cinder.fi/mcp. Set it in the environment before the MCP server will authenticate.

What ships with it

Read from the repository

Just SKILL.md. No reference files, no scripts.