Chengeng Pension Solution Design

What it solves

Pension planning often stops after benefit estimation, leaving a gap between projected shortfalls and actionable design. This skill handles the fourth step: solution design. It does not recalculate pension estimates, living cash flow, or income-gap results; instead, it turns prior conclusions into funding paths, care-resource preparation, layered protection, and inheritance checks.

How it works

The skill organizes the design around lifestyle, aging care, illness, and inheritance:
- Lifestyle: follows retirement goals and cash flow, checks funding pools, and maps shortfalls to replenishment paths.
- Aging care: distinguishes active aging, home care, institutional care, and intensive care, then notes local resources and price confirmation.
- Illness: separates minor illness, accidents, hospitalization, critical illness, and major accidents into different protection paths.
- Inheritance: reviews asset ownership, beneficiaries, method, and timing, rather than treating “owning a house” as completed planning.

Calculations rely on the solutionDesign field from scripts/pension_calculator.py; manual checks are only cross-validation. If the three prior reports are missing, the skill should prompt for them before design.

Limits and notes

It does not name specific insurance products, promise returns, or treat a zero annual gap as “no planning needed.” Self-occupied housing value is not treated as available pension funds, and unconfirmed care prices or medical policies must be marked for verification.