optionsahoy-mcp

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• tools: 8 tools scanned
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Tools (8)

• amt_iso_optimize

  Use this when someone asks how or when to exercise incentive stock options (ISOs), whether exercising will trigger an AMT bomb or phantom income, whether to exercise early, how to plan around the alternative minimum tax (AMT) on an exercise, or how to spread ISO exercises across several years. Computes multi-year exercise schedules and compares them by after-tax Net Final Value (NFV) at the planning horizon. NFV is the after-all-tax cash equivalent of the position at year `horizon`, summing exercised shares (held to LTCG) plus the time-valued tax stream paid along the way; the search compares per-year share allocations by NFV. The headline result is `schedules.optimized.nfv`, the dollar NFV of the highest-scoring schedule found; `schedules.lumpSum` and `schedules.evenSplit` are baseline plans whose `nfv` deltas show the value added by the optimized schedule. For NSO grants use `nso_calculate`, for RSUs at vest use `rsu_sell_vs_hold`, for §1202 QSBS qualification use `qsbs_check`. Model

• nso_calculate

  Use this when someone asks whether to exercise and hold or exercise and sell non-qualified stock options (NSOs), about a cashless exercise or same-day sale of NSOs, or what tax an NSO exercise triggers. After-tax payout on a non-qualified stock option (NSO) exercise: federal, state, and FICA (Social Security + Medicare + Additional Medicare), comparing sell-at-exercise vs hold-for-long-term-capital-gains over the chosen horizon. Use for NSOs; for ISOs use `amt_iso_optimize`, for RSUs use `rsu_sell_vs_hold`. Deterministic, offline; tax tables compiled in. Optional `ticker` resolves `expectedSalePrice` from a bundled trailing-CAGR snapshot. Returns `exercise`, `hold`, `sellNowInvest` (the counterfactual: sell at exercise and reinvest at expectedMarketReturn), `holdMinusCashless` (the dollar delta between those two), and `bracketJump`; see `outputSchema` for the full shape. NSO hold is always long-term (sub-1-year is out of scope), so there is no separate long-term flag. Example call: {sh

• rsu_sell_vs_hold

  Use this when someone asks whether to sell RSUs at vest or hold them, whether to sell their vested shares or diversify out of company stock, or about the tax and withholding on a restricted stock unit (RSU) vest. After-tax RSU vest analysis: sell-at-vest vs hold-to-long-term-capital-gains (LTCG) over `holdYears`. Covers federal ordinary tax, state tax, FICA (Social Security + Medicare + Additional Medicare), and the shortfall between mandatory 22% supplemental withholding and the user's marginal bracket. Use for RSUs at vest; for ISO/AMT use `amt_iso_optimize`, for NSO use `nso_calculate`. Deterministic and offline; tax tables compiled in. Returns `vest`, `hold`, `sellNowInvest`, `holdMinusSell`, and `bracketJump`; see `outputSchema` for the full shape. Example call: {shares: 1000, currentPrice: 100, ordinaryIncome: 200000, filingStatus: "single", stateCode: "CA", stillEmployed: true, holdYears: 2, volatility: 0.3, ticker: "MSFT"}. Inputs beyond `required`: this tool also needs the sto

• concentration_analyze

  Use this when someone asks how risky a large single-stock position is, whether too much of their net worth is in one stock, whether they are over-concentrated in a single name, or how to reduce or diversify a concentrated position. Single-stock concentration risk analysis on an existing position. For standalone hedge pricing use `protective_put_price`; for the tax math on the option exercise or RSU vest that created the concentration, route to `amt_iso_optimize` / `nso_calculate` / `rsu_sell_vs_hold` first. Quantifies drawdown exposure at 30/50/70% downside, then compares three after-tax strategies over a three-year horizon (sell-down to target weight, hold, hedge with put or zero-cost collar), accounting for federal LTCG, state tax, the 3.8% Net Investment Income Tax (NIIT), and reinvestment opportunity cost. `totalAssets` (concentrated position + everything else) frames risk relative to the whole portfolio. Returns a top-level object with keys: `concentration` (position/totalAssets),

• protective_put_price

  Use this when someone asks how much it costs to hedge or protect a stock position against a drop, to protect gains, get downside protection, or limit losses on a position, or to price a protective put, a zero-cost collar, or a put spread. Closed-form pricing of a protective put, a zero-cost collar, and a put spread on a single-stock position. For concentration-vs-hedge tax-cost comparison, use `concentration_analyze` with a `hedgeChoice`. Parameter interactions: `volatility` omitted resolves from `ticker`, else a sector-typical implied volatility; an explicit sigma overrides it. For collars, omitting `upsideCapPct` lets the tool back-solve the cap that zeros the net premium (truly zero-cost collar); supplying `upsideCapPct` overrides the solver and yields a non-zero net premium when the cap is wider than zero-cost. `tenorYears` drives the risk-free-rate lookup AND the floor-hit / cap-hit probability metrics, so changing tenor shifts every probability output even at fixed strike. `expec

• qsbs_check

  Use this when someone asks whether stock qualifies for the qualified small business stock (QSBS) / Section 1202 gain exclusion, whether their startup stock can be sold tax-free, about the 5-year QSBS holding period, or how much of the gain would be federal-tax-free. Section 1202 Qualified Small Business Stock (QSBS) qualification check. Use this tool for §1202 / QSBS qualification. For AMT timing on the ISO exercise that produced the QSBS holding, use `amt_iso_optimize` first. Parameter interactions: `entityType="other"` short-circuits the verdict to `disqualified` regardless of other fields; `acquisitionMethod="secondary"` does the same; `assetCategory="over-75m"` likewise fails immediately. Under `acquisitionMethod="gift-or-inheritance"` the holding period tacks from the original holder, so supply that earlier date as `acquisitionDate` if known. `acquisitionDate` drives era classification independent of holding period: before 2009-02-17 caps exclusion at 50%, 2009-02-17 to 2010-09-27

• equity_funding_plan

  Use this when someone asks which shares to sell and when to reach a cash goal by a deadline (down payment, tuition, a tax bill), or how to fund a goal from equity at a lower tax cost. Multi-year, multi-stack equity-funding optimizer. Given a target after-tax amount and a deadline (down payment, tax bill, expansion check), returns four named plans on the risk/wealth frontier: `lockInNow` (sell today, no further exposure to the stock price), `balanced` (bracket-aware spread across months), `holdForGrowth` (sell at the deadline, full exposure to the stock price), and `recommended` (the plan with the most projected wealth among those whose lognormal shortfall probability is at or below `riskToleranceShortfall`, default 10%). Also returns `frontier`, the full hybrid sweep between Lock-in-now and Balanced. Each plan carries its `plan` schedule plus `wealthAtTarget`, `totalTax`, and `shortfallProbability`; see `outputSchema` for the full shape. Use this when an equity holder needs cash by a d

• rsu_lot_optimize

  Use this when someone asks which vested RSU lots to sell first, in which years, to divest part of a concentrated company-stock position, compared on total computed tax: "I want to sell down half my Amazon stock; which lots, and when?". Given the vested lots (vest date, shares, cost basis), a current price, and a divest fraction, it compares WHICH lots and WHICH sale dates to use, by computed total tax, to divest that many shares, using three levers: specific-lot identification (sell higher-basis lots to realize less gain, or underwater lots to harvest losses that net against gains), long-term deferral (wait past the one-year mark to convert short-term ordinary rates to long-term capital gains), and multi-year bracket spreading (split gains across 1 to 3 tax years, with in-plan capital-loss carryforward). Every sale is priced at today's price (flat-price assumption; there is no growth model). Returns the year-by-year sell schedule grouped by tax year, the total tax (federal LTCG + NIIT