NestPilot

Analyzes a user's Medicare situation. Called by the Medicare Guardian view to compute enrollment deadlines, penalty estimates, and a readiness score. Do not call this tool directly - it is used internally by the Medicare Guardian UI.

medicare-analyze

Creates a short-lived, single-use NestPilot planner link after the user explicitly clicks Continue in the NestPilot planner. This app-private helper is not a retirement analysis tool and must not be selected by the model.

create_plan_handoff

Shows an interactive Medicare enrollment timeline using birth month/year, employment status, and current coverage. USE THIS TOOL WHEN THE USER: - Asks when to enroll in Medicare or whether an IEP/SEP may apply - Wants educational estimates of Part B or Part D late-enrollment penalties - Needs to understand employer coverage, COBRA, retiree coverage, or HSA timing around Medicare DO NOT USE FOR: - Comparing specific Medicare Advantage or Medigap plan prices/benefits - Medical diagnosis, treatment, or prescription questions - Medicare plan shopping, enrollment, or brokerage Use only birth month and year; never request an exact birth day. The tool does not enroll the user or send reminders.

medicare-guardian

This quick explorer is only for one standalone directional question. A request for a complete or holistic retirement checkup, or any request that connects two or more decisions such as retirement age, Social Security, Roth conversion, healthcare, or Medicare, is not eligible for this tool even when it mentions this tool's topic. For those multi-decision requests, follow the retirement-checkup intake and confirmation workflow first; do not open any explorer during MISSING_INPUTS or READY_FOR_CONFIRMATION. This routing restriction takes priority over every topic keyword below. 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. 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. Use this for one retirement-age question when the user has only a few facts, such as an age, savings, and spending. Open the interactive form with any known inputs. This launcher never calculates; the user reviews the form and explicitly clicks Compare retirement ages before the app-only calculator runs.

open_retirement_age_explorer

This quick explorer is only for one standalone directional question. A request for a complete or holistic retirement checkup, or any request that connects two or more decisions such as retirement age, Social Security, Roth conversion, healthcare, or Medicare, is not eligible for this tool even when it mentions this tool's topic. For those multi-decision requests, follow the retirement-checkup intake and confirmation workflow first; do not open any explorer during MISSING_INPUTS or READY_FOR_CONFIRMATION. This routing restriction takes priority over every topic keyword below. Use this when the user's only retirement question is whether to consider a Roth conversion. 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. Open the interactive form with any known inputs. This launcher never calculates; the user reviews the form and explicitly clicks Assess my Roth window before the app-only calculator runs.

open_roth_explorer

This quick explorer is only for one standalone directional question. A request for a complete or holistic retirement checkup, or any request that connects two or more decisions such as retirement age, Social Security, Roth conversion, healthcare, or Medicare, is not eligible for this tool even when it mentions this tool's topic. For those multi-decision requests, follow the retirement-checkup intake and confirmation workflow first; do not open any explorer during MISSING_INPUTS or READY_FOR_CONFIRMATION. This routing restriction takes priority over every topic keyword below. 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. 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. Use this for one Social Security claiming question when the user has only a few facts, such as an age and a benefit estimate. Open the interactive form with any known inputs. This launcher never calculates; the user reviews the form and explicitly clicks Compare claiming ages before the app-only calculator runs.

open_social_security_explorer

Render one persistent, tabbed UI containing the completed results from a Retirement Checkup. App-only: the conversation never calls this tool. A checkup starts with start_retirement_checkup, whose persistent review runs each calculation after its own click and keeps every completed result as a tab, so no render step follows it. The app passes each completed tool's structuredContent unchanged, in execution order, and only results produced from the same confirmed planInput. This tool performs no calculations and must not replace, invent, summarize, or modify an analysis result.

render_retirement_checkup

Compares candidate retirement ages using the user's full retirement plan and reports modeled portfolio runway, shortfall, and legacy outcomes. App-only: the NestPilot app calls this calculator after the user clicks inside the retirement checkup or a focused retirement-age analysis. 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 app provides either planInput from retirement_forecast or all required flat inputs. Do not call the tool with empty or guessed arguments. With flat inputs the result also lists every default applied (assumptionsApplied). Explain material assumptions and trade-offs; do not present a modeled age as a guarantee or personalized financial advice. This tool does not save a plan or create a handoff record.

retirement_age_analysis

App-only calculator behind open_retirement_age_explorer: the explorer widget calls it after the user clicks Compare retirement ages. 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. 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 explorer's interactive UI collects missing calculator values before running the comparison. Never guess missing values. No plan is saved.

retirement_age_explorer

Runs an anonymous educational retirement forecast with year-by-year projections. App-only: the conversation never calls this calculator. The retirement checkup widget calls it after the user clicks Run my checkup, for a readiness question or a complete checkup. A complete checkup, or any request connecting two or more retirement decisions, uses start_retirement_checkup without focus. The app provides current age, target retirement age, filing status, retirement savings or itemized accounts, annual income, and retirement spending, plus spouse and supplemental-income fields when relevant. Do not call the tool with empty or guessed arguments. Returns the assembled planInput and every default assumption so follow-up analysis can use the same facts. The calculation uses no authentication headers and does not save a plan or create a handoff record. Results are estimates, not financial, tax, legal, or investment advice.

retirement_forecast