How does the optimizer decide which account to fund first?

The engine follows a strict hierarchy: it always prioritizes Employer Match first, followed by HSA eligibility. Then, it uses `determine_optimal_sequence` to compare your current and future tax rates to decide between Traditional or Roth vehicles.

Can I use this for HSA planning?

Yes. The tool checks your `hasHsaEligibility` and prioritizes HSA contributions due to their triple tax advantage.

What inputs do I need for wealth projection?

For `project_wealth_growth`, you will need your annual contribution amount, years until retirement, expected return rate, and a breakdown of how much to allocate to each account.

US 401k & IRA Optimizer MCP Connector for Claude

A+

Optimize your retirement contributions using tax arbitrage strategies.

3 tools Official Updated Jun 28, 2026 Official Vinkius Partner

More Details Connect to Claude

This MCP server provides a specialized engine for maximizing retirement wealth through strategic tax arbitrage. By analyzing your current marginal tax rate against your projected future tax rate, the determine_optimal_sequence tool identifies the most efficient order of funding across accounts like 401k, HSA, and IRA. Additionally, you can use calculate_tax_savings to quantify the tax shield benefits and project_wealth_growth to forecast long-term portfolio balances based on your contribution plan.

401kiratax-strategyretirement-planninghsawealth-management