pigeongov 0.2.0

package/dist/src/advisory/decision-support/contribution-optimizer.js

@@ -0,0 +1,88 @@
+// 2025 contribution limits
+const LIMITS_2025 = {
+    traditional_ira: 7_000,
+    traditional_ira_50plus: 8_000,
+    roth_ira: 7_000,
+    roth_ira_50plus: 8_000,
+    hsa_individual: 4_300,
+    hsa_family: 8_550,
+    hsa_55plus_catchup: 1_000,
+    "401k": 23_500,
+    "401k_50plus": 31_000,
+};
+/**
+ * Analyze retirement contribution optimization opportunities.
+ * Shows how much more could be contributed and the estimated tax savings.
+ */
+export function optimizeContributions(input) {
+    const scenarios = [];
+    // 401(k) optimization
+    if (input.has401k) {
+        const maxLimit = input.age >= 50 ? LIMITS_2025["401k_50plus"] : LIMITS_2025["401k"];
+        const room = Math.max(0, maxLimit - input.current401k);
+        if (room > 0) {
+            scenarios.push({
+                vehicleName: "401(k)",
+                currentContribution: input.current401k,
+                maxContribution: maxLimit,
+                additionalRoom: room,
+                taxSavingsPerDollar: input.marginalRate,
+                estimatedTaxSavings: roundCurrency(room * input.marginalRate),
+                notes: `Pre-tax contribution reduces taxable income dollar-for-dollar at your ${(input.marginalRate * 100).toFixed(0)}% marginal rate`,
+            });
+        }
+    }
+    // Traditional IRA optimization
+    if (input.hasIra && input.iraType === "traditional") {
+        const maxLimit = input.age >= 50 ? LIMITS_2025.traditional_ira_50plus : LIMITS_2025.traditional_ira;
+        const room = Math.max(0, maxLimit - input.currentIra);
+        if (room > 0) {
+            // Check if deductible (depends on employer plan + income)
+            const deductible = !input.hasEmployerPlan || input.agi < 77_000;
+            scenarios.push({
+                vehicleName: "Traditional IRA",
+                currentContribution: input.currentIra,
+                maxContribution: maxLimit,
+                additionalRoom: room,
+                taxSavingsPerDollar: deductible ? input.marginalRate : 0,
+                estimatedTaxSavings: deductible ? roundCurrency(room * input.marginalRate) : 0,
+                notes: deductible
+                    ? "Fully deductible contribution — immediate tax savings"
+                    : "Non-deductible (have employer plan + income above phase-out). Consider Roth IRA instead.",
+            });
+        }
+    }
+    // HSA optimization (triple tax advantage)
+    if (input.hasHsa) {
+        const baseLimit = input.hsaCoverage === "family" ? LIMITS_2025.hsa_family : LIMITS_2025.hsa_individual;
+        const maxLimit = baseLimit + (input.age >= 55 ? LIMITS_2025.hsa_55plus_catchup : 0);
+        const room = Math.max(0, maxLimit - input.currentHsa);
+        if (room > 0) {
+            scenarios.push({
+                vehicleName: "HSA",
+                currentContribution: input.currentHsa,
+                maxContribution: maxLimit,
+                additionalRoom: room,
+                taxSavingsPerDollar: input.marginalRate,
+                estimatedTaxSavings: roundCurrency(room * input.marginalRate),
+                notes: "Triple tax benefit: deductible contribution, tax-free growth, tax-free qualified medical withdrawals. Best retirement vehicle available.",
+            });
+        }
+    }
+    const totalSavings = roundCurrency(scenarios.reduce((sum, s) => sum + s.estimatedTaxSavings, 0));
+    const recommendation = totalSavings > 0
+        ? `You could save approximately $${totalSavings.toLocaleString()} in taxes by maximizing your contributions. ${scenarios.find((s) => s.vehicleName === "HSA" && s.additionalRoom > 0)
+            ? "Start with the HSA — it offers the best tax advantage."
+            : "Start with the highest-savings vehicle first."}`
+        : "Your contributions are already at or near maximum limits.";
+    return {
+        marginalRate: input.marginalRate,
+        scenarios,
+        totalPotentialSavings: totalSavings,
+        recommendation,
+    };
+}
+function roundCurrency(value) {
+    return Number(value.toFixed(2));
+}
+//# sourceMappingURL=contribution-optimizer.js.map

package/dist/src/advisory/decision-support/contribution-optimizer.js.map

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package/dist/src/advisory/decision-support/deduction-optimizer.d.ts

@@ -0,0 +1,31 @@
+export interface DeductionComparison {
+    standardDeduction: number;
+    itemizedTotal: number;
+    recommended: "standard" | "itemized";
+    savings: number;
+    itemizedBreakdown: ItemizedComponent[];
+    notes: string[];
+}
+export interface ItemizedComponent {
+    label: string;
+    amount: number;
+    limit?: number | undefined;
+    cappedAmount: number;
+    notes?: string | undefined;
+}
+interface DeductionInput {
+    filingStatus: string;
+    standardDeduction: number;
+    mortgageInterest: number;
+    stateAndLocalTaxes: number;
+    charitableContributions: number;
+    medicalExpenses: number;
+    agi: number;
+    otherItemized: number;
+}
+/**
+ * Compare standard deduction vs. itemized, showing dollar difference
+ * and which components contribute to the itemized total.
+ */
+export declare function compareDeductions(input: DeductionInput): DeductionComparison;
+export {};

package/dist/src/advisory/decision-support/deduction-optimizer.js

@@ -0,0 +1,96 @@
+const SALT_CAP = 10_000; // State and local tax deduction cap
+/**
+ * Compare standard deduction vs. itemized, showing dollar difference
+ * and which components contribute to the itemized total.
+ */
+export function compareDeductions(input) {
+    const components = [];
+    const notes = [];
+    // Mortgage interest
+    if (input.mortgageInterest > 0) {
+        components.push({
+            label: "Mortgage interest",
+            amount: input.mortgageInterest,
+            cappedAmount: input.mortgageInterest,
+            notes: "Deductible on up to $750K of acquisition debt",
+        });
+    }
+    // SALT (state and local taxes) — capped at $10,000
+    if (input.stateAndLocalTaxes > 0) {
+        const capped = Math.min(input.stateAndLocalTaxes, SALT_CAP);
+        components.push({
+            label: "State and local taxes (SALT)",
+            amount: input.stateAndLocalTaxes,
+            limit: SALT_CAP,
+            cappedAmount: capped,
+            notes: input.stateAndLocalTaxes > SALT_CAP
+                ? `Capped at $${SALT_CAP.toLocaleString()} (you paid $${input.stateAndLocalTaxes.toLocaleString()})`
+                : undefined,
+        });
+        if (input.stateAndLocalTaxes > SALT_CAP) {
+            notes.push(`$${(input.stateAndLocalTaxes - SALT_CAP).toLocaleString()} in SALT deduction lost to the $10,000 cap`);
+        }
+    }
+    // Charitable contributions
+    if (input.charitableContributions > 0) {
+        const agiLimit = input.agi * 0.6;
+        const capped = Math.min(input.charitableContributions, agiLimit);
+        components.push({
+            label: "Charitable contributions",
+            amount: input.charitableContributions,
+            limit: agiLimit,
+            cappedAmount: capped,
+            notes: input.charitableContributions > agiLimit
+                ? `Limited to 60% of AGI ($${agiLimit.toLocaleString()}). Excess carries forward 5 years.`
+                : undefined,
+        });
+    }
+    // Medical expenses (only amount exceeding 7.5% of AGI)
+    if (input.medicalExpenses > 0) {
+        const threshold = input.agi * 0.075;
+        const deductible = Math.max(0, input.medicalExpenses - threshold);
+        components.push({
+            label: "Medical expenses",
+            amount: input.medicalExpenses,
+            limit: threshold,
+            cappedAmount: deductible,
+            notes: deductible > 0
+                ? `Only amounts exceeding 7.5% of AGI ($${threshold.toLocaleString()}) are deductible`
+                : `Below 7.5% AGI threshold — no deduction`,
+        });
+    }
+    // Other itemized
+    if (input.otherItemized > 0) {
+        components.push({
+            label: "Other itemized deductions",
+            amount: input.otherItemized,
+            cappedAmount: input.otherItemized,
+        });
+    }
+    const itemizedTotal = roundCurrency(components.reduce((sum, c) => sum + c.cappedAmount, 0));
+    const recommended = itemizedTotal > input.standardDeduction ? "itemized" : "standard";
+    const savings = roundCurrency(Math.abs(itemizedTotal - input.standardDeduction));
+    if (recommended === "standard") {
+        notes.unshift(`Standard deduction ($${input.standardDeduction.toLocaleString()}) exceeds your itemized total ($${itemizedTotal.toLocaleString()}) by $${savings.toLocaleString()}.`);
+    }
+    else {
+        notes.unshift(`Itemizing saves $${savings.toLocaleString()} compared to the standard deduction.`);
+    }
+    // Check if close to breakpoint
+    const gap = Math.abs(itemizedTotal - input.standardDeduction);
+    if (gap < input.standardDeduction * 0.1) {
+        notes.push("Your itemized total is close to the standard deduction — small changes in deductible expenses could flip the recommendation.");
+    }
+    return {
+        standardDeduction: input.standardDeduction,
+        itemizedTotal,
+        recommended,
+        savings,
+        itemizedBreakdown: components,
+        notes,
+    };
+}
+function roundCurrency(value) {
+    return Number(value.toFixed(2));
+}
+//# sourceMappingURL=deduction-optimizer.js.map

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package/dist/src/advisory/life-events/events.d.ts

@@ -0,0 +1,4 @@
+import type { LifeEvent } from "../../types.js";
+export declare const LIFE_EVENTS: LifeEvent[];
+export declare function findLifeEvent(id: string): LifeEvent | undefined;
+export declare function listLifeEvents(): LifeEvent[];

package/dist/src/advisory/life-events/events.js

@@ -0,0 +1,156 @@
+export const LIFE_EVENTS = [
+    {
+        id: "new-baby",
+        label: "New baby",
+        description: "A new child has been born or adopted into your household.",
+        workflows: [
+            { workflowId: "tax/1040", priority: 3, notes: "Add dependent for Child Tax Credit and filing status change" },
+            { workflowId: "healthcare/aca-enrollment", priority: 1, deadline: "60 days from birth (special enrollment)", notes: "Add newborn to health insurance plan" },
+            { workflowId: "benefits/snap", priority: 4, notes: "Household size increased — may qualify or increase benefit" },
+            { workflowId: "benefits/wic", priority: 2, notes: "Infant and postpartum parent may qualify for WIC" },
+            { workflowId: "benefits/medicaid", priority: 2, notes: "Newborn typically auto-enrolled if parent has Medicaid" },
+        ],
+    },
+    {
+        id: "marriage",
+        label: "Marriage",
+        description: "You recently got married.",
+        workflows: [
+            { workflowId: "tax/1040", priority: 2, notes: "Filing status changes to MFJ or MFS — compare both" },
+            { workflowId: "identity/name-change", priority: 1, notes: "If changing name, start SSA update immediately" },
+            { workflowId: "healthcare/aca-enrollment", priority: 3, deadline: "60 days from marriage (special enrollment)", notes: "May combine or change health insurance plans" },
+            { workflowId: "identity/voter-registration", priority: 5, notes: "Update registration if name or address changed" },
+            { workflowId: "immigration/family-visa-intake", priority: 1, notes: "If spouse needs immigration status, begin petition process", dependsOn: ["identity/name-change"] },
+        ],
+    },
+    {
+        id: "divorce",
+        label: "Divorce",
+        description: "You are going through or have completed a divorce.",
+        workflows: [
+            { workflowId: "tax/1040", priority: 2, notes: "Filing status changes — may qualify for Head of Household" },
+            { workflowId: "identity/name-change", priority: 3, notes: "If reverting name, update SSA and all documents" },
+            { workflowId: "healthcare/aca-enrollment", priority: 1, deadline: "60 days from divorce (special enrollment)", notes: "Obtain separate health insurance coverage" },
+            { workflowId: "legal/child-support-modification", priority: 2, notes: "Establish or modify child support order" },
+            { workflowId: "estate/basic-will", priority: 4, notes: "Update beneficiaries and estate documents" },
+            { workflowId: "estate/power-of-attorney", priority: 4, notes: "Revoke existing POA if ex-spouse was agent" },
+        ],
+    },
+    {
+        id: "job-loss",
+        label: "Job loss",
+        description: "You have lost your job or been laid off.",
+        workflows: [
+            { workflowId: "unemployment/claim-intake", priority: 1, deadline: "File within 7 days of last day worked", notes: "File unemployment claim immediately" },
+            { workflowId: "healthcare/aca-enrollment", priority: 1, deadline: "60 days from job loss (special enrollment)", notes: "Enroll in ACA marketplace or evaluate COBRA" },
+            { workflowId: "benefits/snap", priority: 2, notes: "May now qualify for food assistance" },
+            { workflowId: "benefits/medicaid", priority: 2, notes: "Income drop may qualify you for Medicaid" },
+            { workflowId: "benefits/liheap", priority: 3, notes: "May qualify for energy assistance" },
+            { workflowId: "tax/1040", priority: 5, notes: "Unemployment income is taxable — plan for tax impact" },
+        ],
+    },
+    {
+        id: "retirement",
+        label: "Retirement",
+        description: "You are retiring or have recently retired.",
+        workflows: [
+            { workflowId: "retirement/ssa-estimator", priority: 1, notes: "Calculate optimal Social Security claiming age" },
+            { workflowId: "healthcare/medicare-enrollment", priority: 1, deadline: "Initial enrollment: 3 months before turning 65", notes: "Enroll in Medicare Parts A and B" },
+            { workflowId: "tax/1040", priority: 3, notes: "Retirement income taxation — pension, 401k distributions, Social Security" },
+            { workflowId: "estate/basic-will", priority: 4, notes: "Review and update estate planning documents" },
+            { workflowId: "estate/advance-directive", priority: 4, notes: "Ensure healthcare directives are current" },
+            { workflowId: "estate/power-of-attorney", priority: 4, notes: "Designate financial and healthcare agents" },
+        ],
+    },
+    {
+        id: "moving-states",
+        label: "Moving to a different state",
+        description: "You are relocating to a new state.",
+        workflows: [
+            { workflowId: "identity/voter-registration", priority: 1, deadline: "30 days before next election in most states", notes: "Register to vote in new state" },
+            { workflowId: "identity/real-id", priority: 2, notes: "Update driver's license within 30-90 days (varies by state)" },
+            { workflowId: "tax/1040", priority: 3, notes: "May need to file part-year returns in both states" },
+            { workflowId: "healthcare/aca-enrollment", priority: 2, deadline: "60 days from move (special enrollment)", notes: "Health plan networks may change — verify coverage" },
+            { workflowId: "benefits/snap", priority: 4, notes: "Transfer benefits to new state" },
+        ],
+    },
+    {
+        id: "death-of-spouse",
+        label: "Death of spouse",
+        description: "Your spouse has passed away.",
+        workflows: [
+            { workflowId: "retirement/ssa-estimator", priority: 1, notes: "Apply for survivor benefits — may be higher than own benefit" },
+            { workflowId: "tax/1040", priority: 2, notes: "Can file as Qualifying Surviving Spouse for 2 years" },
+            { workflowId: "estate/basic-will", priority: 2, notes: "Begin probate process if applicable" },
+            { workflowId: "healthcare/aca-enrollment", priority: 1, deadline: "60 days (special enrollment)", notes: "Adjust health coverage" },
+            { workflowId: "benefits/ssdi-application", priority: 3, notes: "Disabled survivors may qualify for benefits" },
+        ],
+    },
+    {
+        id: "buying-home",
+        label: "Buying a home",
+        description: "You are purchasing a home.",
+        workflows: [
+            { workflowId: "tax/1040", priority: 2, notes: "Mortgage interest deduction — may want to itemize" },
+            { workflowId: "permits/local-permit-planner", priority: 4, notes: "Check if renovations need permits" },
+            { workflowId: "identity/voter-registration", priority: 5, notes: "Update address on voter registration" },
+            { workflowId: "estate/basic-will", priority: 3, notes: "Update estate plan to include new property" },
+        ],
+    },
+    {
+        id: "starting-business",
+        label: "Starting a business",
+        description: "You are starting a new business or becoming self-employed.",
+        workflows: [
+            { workflowId: "business/license-starter", priority: 1, notes: "Research and obtain required business licenses" },
+            { workflowId: "permits/local-permit-planner", priority: 2, notes: "Check zoning and operational permit requirements" },
+            { workflowId: "tax/1040", priority: 2, notes: "Schedule C for self-employment, quarterly estimated taxes" },
+            { workflowId: "healthcare/aca-enrollment", priority: 3, notes: "Self-employed need individual health coverage" },
+        ],
+    },
+    {
+        id: "becoming-disabled",
+        label: "Becoming disabled",
+        description: "You have developed a disability that affects your ability to work.",
+        workflows: [
+            { workflowId: "benefits/ssdi-application", priority: 1, notes: "Apply for Social Security Disability Insurance" },
+            { workflowId: "benefits/medicaid", priority: 2, notes: "May qualify for Medicaid based on disability" },
+            { workflowId: "veterans/disability-claim", priority: 1, notes: "If veteran, file VA disability claim" },
+            { workflowId: "benefits/snap", priority: 3, notes: "Income reduction may qualify you for SNAP" },
+            { workflowId: "healthcare/aca-enrollment", priority: 2, notes: "Ensure adequate health coverage" },
+            { workflowId: "estate/advance-directive", priority: 3, notes: "Document healthcare preferences" },
+            { workflowId: "estate/power-of-attorney", priority: 3, notes: "Designate agents while able" },
+        ],
+    },
+    {
+        id: "aging-into-medicare",
+        label: "Turning 65 (Medicare eligible)",
+        description: "You are approaching or have reached age 65.",
+        workflows: [
+            { workflowId: "healthcare/medicare-enrollment", priority: 1, deadline: "Initial enrollment: 7-month window around 65th birthday", notes: "Enroll in Medicare — late enrollment incurs permanent penalties" },
+            { workflowId: "retirement/ssa-estimator", priority: 2, notes: "Review Social Security claiming strategy" },
+            { workflowId: "estate/advance-directive", priority: 3, notes: "Review healthcare directives" },
+        ],
+    },
+    {
+        id: "immigration-status-change",
+        label: "Immigration status change",
+        description: "Your immigration status has changed (e.g., green card received, naturalization, work authorization).",
+        workflows: [
+            { workflowId: "immigration/naturalization", priority: 1, notes: "If eligible, begin naturalization process" },
+            { workflowId: "immigration/work-authorization", priority: 1, notes: "Update or obtain work authorization" },
+            { workflowId: "tax/1040", priority: 3, notes: "Filing requirements may change with status" },
+            { workflowId: "identity/voter-registration", priority: 2, notes: "If naturalized, register to vote" },
+            { workflowId: "identity/passport", priority: 3, notes: "If naturalized, apply for U.S. passport" },
+            { workflowId: "healthcare/aca-enrollment", priority: 2, notes: "Healthcare eligibility may change with status" },
+            { workflowId: "benefits/snap", priority: 4, notes: "Benefit eligibility may change with status" },
+        ],
+    },
+];
+export function findLifeEvent(id) {
+    return LIFE_EVENTS.find((event) => event.id === id);
+}
+export function listLifeEvents() {
+    return LIFE_EVENTS;
+}
+//# sourceMappingURL=events.js.map

package/dist/src/advisory/life-events/events.js.map

@@ -0,0 +1 @@
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package/dist/src/advisory/life-events/planner.d.ts

@@ -0,0 +1,19 @@
+import type { LifeEvent } from "../../types.js";
+import { findLifeEvent, listLifeEvents } from "./events.js";
+export interface LifeEventPlan {
+    event: LifeEvent;
+    orderedWorkflows: PlannedWorkflow[];
+    totalWorkflows: number;
+    hasUrgentDeadlines: boolean;
+}
+export interface PlannedWorkflow {
+    workflowId: string;
+    priority: number;
+    deadline: string | undefined;
+    notes: string;
+    dependsOn: string[];
+    phase: number;
+}
+export declare function planLifeEvent(eventId: string): LifeEventPlan | undefined;
+export declare function formatPlanSummary(plan: LifeEventPlan): string;
+export { listLifeEvents, findLifeEvent };

package/dist/src/advisory/life-events/planner.js

@@ -0,0 +1,72 @@
+import { findLifeEvent, listLifeEvents } from "./events.js";
+export function planLifeEvent(eventId) {
+    const event = findLifeEvent(eventId);
+    if (!event)
+        return undefined;
+    const orderedWorkflows = prioritizeWorkflows(event.workflows);
+    const hasUrgentDeadlines = orderedWorkflows.some((w) => w.deadline !== undefined && w.priority <= 2);
+    return {
+        event,
+        orderedWorkflows,
+        totalWorkflows: orderedWorkflows.length,
+        hasUrgentDeadlines,
+    };
+}
+function prioritizeWorkflows(workflows) {
+    const sorted = [...workflows].sort((a, b) => a.priority - b.priority);
+    const phases = new Map();
+    const result = [];
+    for (const workflow of sorted) {
+        const deps = workflow.dependsOn ?? [];
+        let phase = 1;
+        for (const dep of deps) {
+            const depPhase = phases.get(dep);
+            if (depPhase !== undefined) {
+                phase = Math.max(phase, depPhase + 1);
+            }
+        }
+        phases.set(workflow.workflowId, phase);
+        result.push({
+            workflowId: workflow.workflowId,
+            priority: workflow.priority,
+            deadline: workflow.deadline,
+            notes: workflow.notes,
+            dependsOn: deps,
+            phase,
+        });
+    }
+    return result.sort((a, b) => {
+        if (a.phase !== b.phase)
+            return a.phase - b.phase;
+        return a.priority - b.priority;
+    });
+}
+export function formatPlanSummary(plan) {
+    const lines = [];
+    lines.push(`Life Event: ${plan.event.label}`);
+    lines.push(`${plan.event.description}`);
+    lines.push("");
+    lines.push(`Action Plan (${plan.totalWorkflows} workflows):`);
+    lines.push("");
+    let currentPhase = 0;
+    for (const workflow of plan.orderedWorkflows) {
+        if (workflow.phase !== currentPhase) {
+            currentPhase = workflow.phase;
+            lines.push(`--- Phase ${currentPhase} ---`);
+        }
+        const deadlineStr = workflow.deadline ? ` [DEADLINE: ${workflow.deadline}]` : "";
+        const priorityStr = workflow.priority <= 2 ? " (!)" : "";
+        lines.push(`  ${workflow.workflowId}${priorityStr}${deadlineStr}`);
+        lines.push(`    ${workflow.notes}`);
+        if (workflow.dependsOn.length > 0) {
+            lines.push(`    (after: ${workflow.dependsOn.join(", ")})`);
+        }
+    }
+    if (plan.hasUrgentDeadlines) {
+        lines.push("");
+        lines.push("⚠ Some workflows have urgent deadlines — start immediately.");
+    }
+    return lines.join("\n");
+}
+export { listLifeEvents, findLifeEvent };
+//# sourceMappingURL=planner.js.map

package/dist/src/advisory/life-events/planner.js.map

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package/dist/src/advisory/screener/engine.d.ts

@@ -0,0 +1,4 @@
+import type { EligibilityResult } from "../../types.js";
+import type { ScreenerInput } from "./intake.js";
+export declare function screenEligibility(input: ScreenerInput): EligibilityResult[];
+export declare function formatScreenerResults(results: EligibilityResult[]): string;