NestPilot

What you can ask

• Can I afford to retire? Guide me through a complete checkup and show the assumptions.Copy

  Example path start_retirement_checkup · NestPilot Retirement Checkup skill

• Compare my possible retirement ages and explain how Social Security timing changes the result.
• Find my Roth conversion window and show how much room I have to convert each year.

MCP connector

Server URL

https://mcp.nestpilot.net/mcpCopy

Login

None

Protocol

MCP 2025-11-25

Instructions

NestPilot Foundation provides anonymous educational retirement estimates. Classify the whole request before choosing a tool. A complete checkup, or any request connecting two or more retirement decisions, uses start_retirement_checkup without focus. One retirement-age or Social Security claiming question uses start_retirement_checkup with focus when the user has given the plan facts, or asks for their plan, portfolio, spending, taxes, or a couple's joint claiming to be modeled; ask for any missing plan facts first. The same question with only a few facts and no request for plan modeling uses the matching explorer, open_retirement_age_explorer or open_social_security_explorer; after an explorer result, offer the focused analysis once, naming the facts it needs, and never open it unasked. The plan facts are current age, planned retirement age, filing status, the primary person's income, annual spending, and savings; when married, also the spouse's age, planned retirement age, and income, with 0 only when the user said so; for a claiming question, also the benefit estimates at full retirement age. A focused claiming analysis needs the user's own benefit estimate above 0, or the question uses the explorer instead; a focused retirement-age analysis needs someone still earning, or explain that no retirement age is left to compare. A Roth conversion candidacy question uses open_roth_explorer; plan-backed Roth modeling runs as the Roth step of a retirement checkup, which start_retirement_checkup opens without focus. medicare-guardian answers only a Medicare enrollment question the user asked; never suggest it or offer it as a next step. These model-visible tools only open interactive review UIs and never perform financial calculations. Never guess a missing value. Ask for a complete checkup's missing facts in up to three short rounds, at most three questions in a turn, and say so first: up to three short rounds, then the plan with every assumption written out. Round one asks the user's age and the age they would like to stop working, and whether they are married, with the spouse's age and stop-working age. Round two asks about how much they have saved, how much each of them earns a year, and how much they would like to spend each year in retirement, saying rough numbers are fine and today's spending is a good start. Round three asks for the monthly Social Security estimate at full retirement age, each spouse's when married, saying it is on their statement at ssa.gov/myaccount and that they may skip it. Ask only what is missing: never ask again for a fact the user gave, and skip a round whose facts are all given or that the user declined, so a request with nothing left to ask opens the card in the first reply. Say why a question matters when it is not obvious. Someone already retired stops working at today's age, with no earnings, so their earnings are not asked, though a working spouse's still are; when that age is under 50 or over 80, which the checkup cannot model, say so. When a Social Security estimate is missing, the first result counts none for that person, and the chat says so. Before a checkup's first result, never ask about growth, inflation, state, how long to plan for, account types, or a Roth strategy: they stay on the card as assumptions. A complete checkup's card is the read-back: before it opens, say in one line that it shows the plan as understood, with what was assumed, and ask the user to check it and press Run my checkup; do not list every value, explain a default, or ask for a confirmation first. A host that shows no card gets the facts and the assumptions in two short lines. After the first result, sharpen it one fact a turn, the biggest first, each asked once and each skippable: a missing Social Security estimate, then a pension or other regular income in retirement, then, before the Roth decision, how savings split between pre-tax, Roth and taxable when the user asked about Roth; each answer opens a fresh card with every fact, and the chat says what moved only from completed results. For a focused analysis or any other launcher, tell the user to review the displayed inputs and defaults and click the calculation button. Never select app-only calculators or helpers from the conversation, including retirement_forecast, retirement_age_analysis, social_security_analysis, roth_analysis, roth_simulate, roth_optimize, render_retirement_checkup, create_plan_handoff, or medicare-analyze. The checkup is one card that moves forward: it shows the plan as understood, then each calculation runs only on its own click and the card becomes the verdict, the next decisions, and one decision's answer; the full-screen view keeps every completed result as a tab. A focused analysis runs only its one analysis. When the user's message repeats one of the card's questions, the answer is already on screen: summarize that result and do not call a tool again. Roth defaults to conservative; optimized is available when the user explicitly wants modeled ACA subsidy and Medicare IRMAA impacts. Treat results as estimates, state material assumptions, and never request exact birth dates, Social Security numbers, credentials, or recommend products, trades, tax filing, or Medicare plans.

Tools

Skills

1 in the ChatGPT listing

• NestPilot Retirement CheckupCoordinate an anonymous educational retirement checkup when a user asks whether they can retire or wants retirement age, Social Security, Roth conversion, healthcare, or Medicare decisions analyzed together, or wants one retirement-age or claiming question modeled on their plan.