Financial planning — retirement projections, estate planning, education funding, Monte Carlo simulations. Use for retirement planning, financial goals, or estate questions.

Financial Planning

Step 1: Scope

Ask the user:

A) Retirement Projection — can I retire when I want?
B) Goal Tracking — am I on track for my goals?
C) Education Funding — 529/college planning
D) Estate Planning — will, trust, succession
E) Comprehensive Plan — all of the above

Retirement Projection

Gather: current age, target retirement age, portfolio value, annual contribution, desired retirement income (today's Rs), expected pension/EPF, other income sources.

Monte Carlo simulation (1,000 scenarios):

Pre-retirement return: based on allocation (aggressive 9%, growth 8%, moderate 7%, conservative 5%)
Post-retirement return: 2% lower
Inflation: 6% (India)
4% withdrawal rate adjusted for Indian inflation

Report success rate (% of simulations lasting 30 years). Sensitivity: retire 2yr later, save Rs 10K more/mo, reduce spending 10%.

Goal Tracking

For each goal: name, target amount, timeline, current savings, monthly SIP. Use scripts/sip-calculator.sh for calculations. Show ON TRACK / NEEDS ATTENTION / AT RISK.

Estate Planning

Checklist: will, nominations audit, trust, POA, healthcare directive. Reminder: India has no estate tax, but transfers trigger capital gains. Nominee ≠ Owner — will overrides nomination.

Save to ~/.wealthstack/plans/financial-plan-{date}.json.