Retirement Decumulation Decisions

Pairs the Social Security claiming-age optimizer with the pension lump-sum-vs-annuity decision engine. Both nodes accept the ApexLogics AL-150 buyout_decision_record as an optional cross-suite handoff. Figures are user-supplied off the claimant's own statement and election paperwork; no PII stored, no live feeds.

OpenChainGraph · 2 Steps compliance mandate Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII

Chain Stages · 2 Steps

1 ROOT node

Social Security Claiming-Age Optimizer art-282-social-security-claiming-optimizer

recommendedClaimAge and lifetimePV establish the claimant's decumulation income baseline used alongside the pension lump-sum-vs-annuity comparison

MCP Call · optimize_social_security_claim_age

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "optimize_social_security_claim_age",
    "arguments": {}
  },
  "id": 1
}

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2 TERMINAL node

Pension Lump-Sum vs. Annuity Decision Engine art-283-pension-lump-sum-vs-annuity-decision-engine

annuityPV, breakEvenRate, and recommendation form the paired decumulation decision record; terminal stage

MCP Call · compare_pension_lump_sum_annuity

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compare_pension_lump_sum_annuity",
    "arguments": {}
  },
  "id": 1
}