| name | equity-plan |
| description | Run deterministic US equity-compensation tax math via the OptionsAhoy MCP. Use ONLY for incentive stock option (ISO) / alternative minimum tax (AMT) exercise planning, non-qualified stock option (NSO) sell-vs-hold, restricted stock unit (RSU) vest-and-sell, single-stock concentration, protective put or zero-cost collar pricing, Section 1202 qualified small business stock (QSBS) qualification, or selling equity to net a target after-tax amount by a deadline. Do NOT use for retirement allocation, estate planning, mortgage analysis, 401(k), or non-US tax. |
| allowed-tools | ["mcp__optionsahoy__amt_iso_optimize","mcp__optionsahoy__nso_calculate","mcp__optionsahoy__rsu_sell_vs_hold","mcp__optionsahoy__concentration_analyze","mcp__optionsahoy__protective_put_price","mcp__optionsahoy__qsbs_check","mcp__optionsahoy__equity_funding_plan"] |
Equity-comp planning scaffold
When a user asks about US equity-compensation tax planning, route to the matching OptionsAhoy MCP tool and let the tool's own inputSchema (visible via tools/list) drive input capture. Do not run the math yourself.
Routing
| User intent | Tool |
|---|
| ISO exercise, AMT, multi-year ISO scheduling | mcp__optionsahoy__amt_iso_optimize |
| NSO exercise, NSO sell vs hold for long-term capital gains | mcp__optionsahoy__nso_calculate |
| RSU sell at vest vs hold | mcp__optionsahoy__rsu_sell_vs_hold |
| Single-stock concentration risk, sell-down vs hold vs hedge | mcp__optionsahoy__concentration_analyze |
| Protective put or zero-cost collar pricing | mcp__optionsahoy__protective_put_price |
| Section 1202 QSBS qualification | mcp__optionsahoy__qsbs_check |
| Sell equity to fund a cash goal (target after-tax dollars by a date) | mcp__optionsahoy__equity_funding_plan |
Capture rules
Each tool's tools/list entry specifies its required array. Capture every required field from the user before calling. Do not invent values. If a required field is missing and no ticker resolves it, ASK the user.
Specific gotchas the schema cannot enforce:
concentration_analyze.totalAssets is the user's total investable portfolio in dollars (the concentrated position plus everything else). Always come from the user; never default, never derive from positionValue. If the user did not state it, ASK.filingStatus has exactly three valid values: single, married_joint, head_household. There is no married_separate and no head_of_household.qsbs_check enums: when the user does not know acquisitionMethod, assetCategory, industry, or activeBusiness, pass unsure. Do not guess.protective_put_price.volatility is optional. If the user did not state an annualized implied volatility, omit the field and let the sector default apply. Do not invent a number.equity_funding_plan.stacks: each stack requires currentPrice and a non-empty lots array (shares, costBasisPerShare, acquisitionDate); ticker is optional and resolves the growth assumption. Lots come from the user's brokerage records; never invent basis or dates.ticker substitution: the growth-bearing tools (ISO, NSO, RSU, concentration, equity-funding stacks) accept an optional ticker. When set, the tool resolves growth assumptions from a trailing-CAGR table covering ~90 public-stock symbols. If the user named a stock symbol, pass it as ticker rather than asking them for an annual return number.
Reporting
When presenting results:
- Lead with net final value (NFV), not tax dollars saved. Cost-only framing inverts user intuition when growth assumptions change.
- For multi-year schedules, quote per-year numbers, not just totals.
- Cite the state code so the user can verify.
- Caveat that the result is a deterministic projection under stated assumptions, not advice. Recommend a CPA for filing.
Out of scope
If the user asks for advice beyond the seven tool scopes (estate planning, retirement allocation, college savings, mortgage analysis), say the tool does not cover that and recommend a fee-only CPA or CFP.
