retirement-planner

This skill should be used when the user asks "am I ready to retire", "when can I retire", "Social Security claiming strategy", "Roth conversion analysis", "withdrawal strategy", "how much do I need to retire", "Monte Carlo simulation", "retirement income plan", or mentions 401(k), IRA, RMD, pension, Medicare planning, or retirement savings targets. Also triggered by questions about retirement spending, sequence of returns risk, or survivor benefits.