Financial Planning

Financial Plan

Use tool-first baselines and the reduced exact household-tax surface where supported. Fail closed when the requested planning case is outside the exact tax engine scope.

MCP Tool Map

• Cashflow reality: actual-budget.analytics(operation="monthly_summary"), actual-budget.analytics(operation="spending_by_category")
• Investments: ghostfolio.portfolio(operation="summary"), ghostfolio.portfolio(operation="dividends")
• Net worth and liabilities: finance-graph.get_net_worth, finance-graph.get_liability_summary, finance-graph.list_liabilities
• Tax evidence: paperless.search_documents, paperless.get_document
• Tax strategy engine: household-tax.assess_exact_support, household-tax.ingest_return_facts, household-tax.compute_individual_return_exact, household-tax.compute_fiduciary_return_exact, household-tax.plan_individual_safe_harbor, household-tax.plan_fiduciary_safe_harbor, household-tax.compare_trust_distribution_strategies

Workflow

1. Build household baseline (income, spend, portfolio, liabilities, net worth) from MCP tools.
2. Ingest and reconcile tax-document evidence from Paperless for key assumptions.
3. Assess whether the requested tax-planning slice is inside the exact 2026 US + MA support surface.
4. If supported, persist canonical facts with ingest_return_facts and run the exact return / safe-harbor / trust-distribution tools that fit the case.
5. If unsupported, stop and explain the missing/unsupported facts rather than synthesizing a broad tax optimization.
6. Present prioritized actions with expected tax and cashflow effects only for supported exact cases.

Output Contract

Always include:

• baseline snapshot (as_of, net worth, cashflow, liabilities)
• exact tax tools run and support status
• recommended exact actions with tradeoffs
• assumptions + sensitivity notes
• provenance and data gaps