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Dynamic income tier tracking — monitors CC's income across all sources and flags strategy changes at tier boundaries
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Based on SOC occupation classification
US/international payment compliance for Canadian sole proprietors and corporations. W-8BEN management (individual + entity), withholding tax recovery, 1099 interception, FX accounting (BoC noon rate), T1135 monitoring, Reg 105 contractor rules, multi-currency reconciliation. Prevents 30% backup withholding and $25/day T1135 penalties. CC-specific: Wise USD, Stripe, primary US retainer, Kraken.
Complete, populate and fill out 3-statement financial model templates (Income Statement, Balance Sheet, Cash Flow Statement) . Use when asked to fill out model templates, complete existing model frameworks, populate financial models with data, complete a partially filled IS/BS/CF framework, or link integrated financial statements within an existing template structure. Triggers include requests to fill in, complete, or populate a 3-statement model template
Container for skills synthesized at runtime by skill_synthesizer.py. Each child directory is a [NEW] skill with its own SKILL.md + metrics.json. Promoted to skills/<slug>/ after 3 successful uses (skill_metrics.py promote).
Build and maintain a calendar of upcoming catalysts across a coverage universe — earnings dates, conferences, product launches, regulatory decisions, and macro events. Helps prioritize attention and position ahead of events. Triggers on "catalyst calendar", "upcoming events", "what's coming up", "earnings calendar", "event calendar", or "catalyst tracker".
Prepare for client review meetings with portfolio performance summary, allocation analysis, talking points, and action items. Pulls together account data into a concise meeting-ready format. Use before quarterly reviews, annual checkups, or ad-hoc client meetings. Triggers on "client review", "meeting prep for [client]", "quarterly review", "prep for [client name]", or "client meeting".
Framework for building competitive landscape decks — market positioning, competitor deep-dives, comparative analysis, strategic synthesis. Use when the user asks for a competitive landscape, competitor analysis, peer comparison, market positioning assessment, strategic review, or investment memo deck. Also triggers on "who are the competitors to X", "benchmark X against peers", "build a market map", or any request to systematically evaluate competitive dynamics across an industry.
| name | income-tier-monitoring |
| description | Dynamic income tier tracking — monitors CC's income across all sources and flags strategy changes at tier boundaries |
| triggers | ["income tier","income level","tax bracket","how much do I make","income tracking","tier change","bracket change"] |
| tier | core |
| dependencies | ["quarterly-tax-review","tax-optimization"] |
CC's income determines which tax strategies are available and optimal. This skill tracks income across all sources and alerts when tier boundaries are crossed, unlocking new strategies.
| Tier | Income Range | Key Strategies Unlocked | Ontario Marginal Rate |
|---|---|---|---|
| 0 | $0 - $30K | Basic deductions, CWB, TFSA, FHSA | 20.05% |
| 1 | $30K - $55K | HST decision, crypto optimization | 20.05-29.65% |
| 2 | $55K - $100K | RRSP valuable, incorporation decision ($80K), installments | 29.65-33.89% |
| 3 | $100K - $200K | Corporate structure, SR&ED, CDA, Crown Dependencies eval | 33.89-46.41% |
| 4 | $200K - $500K | OpCo/HoldCo, family trust, COLI, LCGE planning, prescribed rate loan | 46.41-53.53% |
| 5 | $500K - $2M | Multi-entity architecture, IPP, RCA, flow-through | 53.53% |
| 6 | $2M+ | APA, private foundation, dynasty planning | 53.53% |
When income crosses a boundary:
Example alert:
TIER CHANGE: Tier 1 -> Tier 2 ($55K+ income)
NEW strategies unlocked:
- RRSP contributions now save 29.65% per dollar (was 20.05% — not worth it before)
- Installment payments may be required (check: >$3K tax owing?)
- Incorporation analysis recommended (approaching $80K trigger)
Dollar impact:
- RRSP $10K contribution: saves $2,965 (was $2,005 at Tier 1)
- Incorporation at $80K: saves ~$5K-$8K/year in tax deferral
Recommended actions:
1. Start contributing to RRSP (up to bringing taxable income to $55,867)
2. Track OASIS revenue monthly — incorporation trigger at $80K sustained
3. Review installment payment obligations
| Source | How to Track | Frequency |
|---|---|---|
| OASIS AI Solutions | Stripe dashboard / Wise transfers | Monthly |
| Nicky's | T4 / paycheck stubs | Bi-weekly |
| DJ Income | Gig count × rate | Per gig |
| Crypto Trading | Kraken realized P&L | Weekly |
| OANDA Trading | OANDA account summary | Weekly |