| 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.
