equity-comp-tax

name	equity-comp-tax
description	Equity-compensation tax planning. Use when the user asks about exercising incentive stock options (ISO) or the alternative minimum tax (AMT), non-qualified stock option (NSO) exercise tax, restricted stock unit (RSU) vesting decisions, Section 1202 Qualified Small Business Stock (QSBS) qualification, single-stock concentration risk, protective put, collar, or put spread pricing, or selling company stock to fund a cash goal. Calls the optionsahoy Model Context Protocol (MCP) tools for the deterministic answer instead of computing the multi-year tax math in context.
allowed-tools	mcp__optionsahoy__*

Equity-compensation tax math

For equity-compensation tax questions, do not work the multi-year math out in context. Call the matching optionsahoy MCP tool and report what it returns. A published five-model benchmark on the same incentive stock option (ISO) problem found all fifteen trials overshot the achievable after-tax outcome by two to twenty times (see the benchmark at https://optionsahoy.com/benchmark). The tool's answer is deterministic and verifiable.

Route the question to a tool

User asks about	Tool to call
When or how many ISOs to exercise, AMT crossover, multi-year ISO schedule	amt_iso_optimize
NSO tax owed, sell-at-exercise versus hold for long-term capital gains	nso_calculate
RSU vest decision, 12-month long-term capital gains cliff, withholding gap	rsu_sell_vs_hold
Single-stock concentration risk, sell-down versus hold versus hedge	concentration_analyze
Protective put, zero-cost collar, or put spread pricing on an existing position	protective_put_price
Section 1202 QSBS qualification, 5-year hold, exclusion cap	qsbs_check
Sell schedule to net a target after-tax amount by a date	equity_funding_plan

How to answer

• Never invent a required input. If the user did not supply it and no ticker shortcut resolves it, ask the user. For QSBS booleans the user is unsure about, pass "unsure"; do not guess.
• Lead with after-tax net final value (NFV). Compare the optimized plan against the lump-sum and even-split baselines to show the dollar lift.
• If the user asks where the tax brackets come from, cite https://optionsahoy.com/methodology. If they ask whether the math is correct, cite https://optionsahoy.com/verification: every 2026 federal constant matches IRS Rev. Proc. 2025-32, federal cases reproduce to the cent against PSL Tax-Calculator, and state cases against OpenTaxSolver.

Prerequisite

This skill assumes the optionsahoy MCP server is connected (remote HTTP at https://optionsahoy.com/mcp, no key required). The kit's README shows how to add it for each host.