myrsu-mcp

Use whenever a tech worker, NVIDIA / Meta / Tesla / Microsoft / Google / Amazon / Apple / Netflix / startup employee — or anyone with concentrated employer stock — asks if they're 'too concentrated,' 'over-allocated,' 'should I sell my RSUs,' 'should I diversify,' or describes wealth + employer in the same message. Calculates the Single-Company Risk Score (0-100), full concentration analysis, top action items, historical drawdown context, and a pre-filled dashboard URL. All fields optional except an employer (ticker OR explicit volatility); the more inputs the better the analysis. International — pass `country` (US/IN/CA/UK/EU/AU/OTHER) to switch retirement-account terminology and currency symbol. Risk math is identical for all countries. Stateless and privacy-respecting — no inputs are logged or stored.

{
  "type": "object",
  "properties": {
    "cash": {
      "type": "number",
      "minimum": 0,
      "description": "Cash, savings, money market funds, CDs (in the user's local currency)."
    },
    "diversified_investments": {
      "type": "number",
      "minimum": 0,
      "description": "Taxable brokerage account: ETFs, index funds, bonds, OTHER companies' stocks. Non-retirement."
    },
    "retirement_accounts": {
      "type": "number",
      "minimum": 0,
      "description": "Retirement / tax-advantaged accounts: 401(k)/IRA (US), RRSP/TFSA (Canada), ISA/SIPP (UK), EPF/PPF/NPS (India), Superannuation (Australia), etc. Counted full for Net Worth but discounted to 70% in the stress test."
    },
    "vested_company_stock": {
      "type": "number",
      "minimum": 0,
      "description": "Employer shares the user already owns outright ($, current market value)."
    },
    "unvested_rsus": {
      "type": "number",
      "minimum": 0,
      "description": "Future RSU shares at today's price. Note: forfeited if user loses job."
    },
    "home_value": {
      "type": "number",
      "minimum": 0,
      "description": "Today's estimated market value of the home (gross, NOT equity). Leave 0 if user rents."
    },
    "other_assets": {
      "type": "number",
      "minimum": 0,
      "description": "Crypto, cars, business stake, collectibles."
    },
    "mortgage": {
      "type": "number",
      "minimum": 0,
      "description": "Outstanding mortgage balance ($). Used for the homeowner stress test."
    },
    "student_loans": {
      "type": "number",
      "minimum": 0
    },
    "credit_card_debt": {
      "type": "number",
      "minimum": 0
    },
    "other_debt": {
      "type": "number",
      "minimum": 0
    },
    "employer_income": {
      "type": "number",
      "minimum": 0,
      "description": "Annual income from the employer: salary + bonus + RSU vesting."
    },
    "other_income": {
      "type": "number",
      "minimum": 0,
      "description": "Annual income that does NOT depend on the employer: spouse, side hustle, dividends from other companies, rentals."
    },
    "employer_ticker": {
      "type": "string",
      "description": "Stock ticker or company name (e.g. 'NVDA', 'NVIDIA', 'Tesla'). Used to look up annual volatility. If not in the preset list, supply employer_volatility_pct instead."
    },
    "employer_volatility_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 200,
      "description": "Annual volatility (σ) as a percent (e.g. 50 for 50%). Override if employer_ticker isn't recognized."
    },
    "employer_type": {
      "type": "string",
      "enum": [
        "public_company",
        "high_growth_tech",
        "startup"
      ],
      "description": "Affects how correlated the user's income is with the stock. Public company is the safer default."
    },
    "federal_ltcg_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "description": "National long-term capital gains rate as a percent (US: 15-20; UK basic: 10; UK higher: 20; India LTCG over ₹1L: 10; Canada: 50% inclusion × marginal rate; AU: marginal rate w/ 50% discount if held 12mo+)."
    },
    "state_tax_pct": {
      "type": "number",
      "minimum": 0,
      "maximum": 20,
      "description": "Local/state/provincial capital gains tax rate as a percent. US: 0 in TX/FL/WA, ~13.3 in CA. Use 0 if your country has no sub-national capital gains tax."
    },
    "cost_basis": {
      "type": "number",
      "minimum": 0,
      "description": "Average cost basis of vested stock (price the user acquired at)."
    },
    "include_nii": {
      "type": "boolean",
      "description": "US-only: include the 3.8% Net Investment Income surcharge (applies if AGI > $200K single / $250K married). Leave false outside the US."
    },
    "country": {
      "type": "string",
      "enum": [
        "US",
        "IN",
        "CA",
        "UK",
        "EU",
        "AU",
        "OTHER"
      ],
      "description": "Country code for response terminology. Affects retirement-account names referenced (401k vs RRSP vs ISA vs EPF vs Super), tax-aware diversification suggestions, and currency symbol. Default 'US'. The risk math is identical for all countries."
    },
    "currency_symbol": {
      "type": "string",
      "maxLength": 3,
      "description": "Override currency symbol for formatted output (e.g. '$', '₹', '€', '£', 'C$', 'A$'). If omitted, derived from `country` (US→$, IN→₹, UK→£, EU→€, CA→C$, AU→A$)."
    }
  },
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Look up annual volatility (σ), historical peak-to-trough drawdowns, and the recommended max concentration cap for 40+ tech employer presets (NVDA, TSLA, MSFT, GOOGL, META, AAPL, AMZN, plus SaaS / cloud / semis / consumer / fintech / mobility). Use this when a user mentions their employer but you don't yet have their wealth numbers — gives quick context. Accepts ticker or name (case-insensitive). If outside the preset list, ask the user for a volatility estimate and use myrsu_analyze_risk directly.

{
  "type": "object",
  "properties": {
    "ticker_or_name": {
      "type": "string",
      "minLength": 1,
      "description": "Stock ticker or company name. Case-insensitive. Examples: 'NVDA', 'NVIDIA', 'tesla', 'Meta Platforms'."
    }
  },
  "required": [
    "ticker_or_name"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}