How do I install the Retirement Planning skill?

Run npx skillmds@latest add cinderfi/retirement-planning in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.

Is Retirement Planning safe to use?

This skill has not completed SkillMD's automated safety review yet. SkillMD never runs a skill's scripts for you; review the SKILL.md before installing.

Which AI agents work with Retirement Planning?

This skill is tagged as working with Claude Code, Claude.ai, OpenAI Codex. SKILL.md is an open format, so most agents that read a skills directory can load it too.

Is Retirement Planning free to use?

Yes. Installing skills from SkillMD is free, and the skill stays under its author's original license.

Who published Retirement Planning?

cinderfi (@cinderfi) published this skill. Their other Agent Skills are listed on their SkillMD profile.

Retirement Planning by cinderfi — Agent Skill

Name: Retirement Planning
Author: cinderfi

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.

cinderfi 6273ff5 2.9 KB Updated Sep 17, 2026

File contents

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.

---name: retirement-planningdescription: 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.---# cinder.fi retirement planningcinder.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 countryEvery tool is country-aware. Canadian tax/benefit rules (RRSP, TFSA, CPP, OAS,GIS) and US rules (401k, IRA, Roth, Social Security, HSA) are completelydifferent engines. Confirm `country` ("CA" or "US") and the province/state upfront — pass it on every call.## Recommended tool order1. **`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.2. **`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.3. 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.4. **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 keyThe user needs a `CINDERFI_MCP_KEY`. Free key (no account, by email) or Prokey: `https://cinder.fi/mcp`. Set it in the environment before the MCP serverwill authenticate.

Frequently asked questions