Agent Financial Advisor

Free. The current US trading, margin, settlement and tax rules an agent must follow, with effective dates and sources. Includes changes your training data may predate, such as the June 2026 replacement of the Pattern Day Trader rule. Price: free.

{
  "type": "object",
  "properties": {
    "topic": {
      "type": "string",
      "enum": [
        "intraday_margin",
        "legacy_pdt",
        "reg_t",
        "settlement",
        "cash_account",
        "short_sale",
        "wash_sale",
        "holding_period",
        "reg_bi"
      ]
    }
  }
}

Run an order past a compliance officer and risk manager before sending it to the broker. Checks buying power, cash-account settlement violations, FINRA intraday margin (post-PDT) or legacy PDT limits, Reg SHO short-sale rules, wash-sale exposure, position concentration, per-trade risk versus stop, liquidity, spread, fat-finger prices, leverage and market hours. Returns approve / approve_with_warnings / reject with reasons and a resized quantity when useful. Price: $0.005.

{
  "type": "object",
  "properties": {
    "account": {
      "type": "object",
      "description": "Account state before the order.",
      "required": [
        "type",
        "equity"
      ],
      "properties": {
        "type": {
          "enum": [
            "cash",
            "margin"
          ]
        },
        "equity": {
          "type": "number",
          "description": "Net liquidation value (USD)."
        },
        "cash": {
          "type": "number"
        },
        "settled_cash": {
          "type": "number",
          "description": "Cash accounts: settled funds available."
        },
        "buying_power": {
          "type": "number",
          "description": "Broker-reported buying power, if known."
        },
        "day_trade_regime": {
          "enum": [
            "intraday_margin",
            "legacy_pdt"
          ],
          "description": "Defaults by date; brokers may phase in until 2027-10-20."
        },
        "day_trades_last_5_days": {
          "type": "integer"
        },
        "positions": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "symbol": {
                "type": "string"
              },
              "quantity": {
                "type": "number",
                "description": "Negative for short."
              },
              "market_price": {
                "type": "number"
              },
              "avg_cost": {
                "type": "number"
              },
              "opened_today": {
                "type": "boolean"
              },
              "sector": {
                "type": "string"
              }
            }
          }
        },
        "recent_sales": {
          "type": "array",
          "description": "Sales in the last 30 days, for wash-sale checks.",
          "items": {
            "type": "object",
            "properties": {
              "symbol": {
                "type": "string"
              },
              "date": {
                "type": "string"
              },
              "realized_pnl": {
                "type": "number"
              },
              "quantity": {
                "type": "number"
              }
            }
          }
        }
      }
    },
    "order": {
      "type": "object",
      "required": [
        "symbol",
        "side",
        "quantity"
      ],
      "properties": {
        "symbol": {
          "type": "string"
        },
        "side": {
          "enum": [
            "buy",
            "sell",
            "sell_short",
            "buy_to_cover"
          ]
        },
        "quantity": {
          "type": "number"
        },
        "order_type": {
          "enum": [
            "market",
            "limit",
            "stop",
            "stop_limit"
          ]
        },
        "limit_price": {
          "type": "number"
        },
        "stop_loss_price": {
          "type": "number",
          "description": "Planned protective stop, used for risk-per-trade."
        },
        "locate_confirmed": {
          "type": "boolean"
        },
        "timestamp": {
          "type": "string",
          "description": "ISO time the order will be sent; defaults to now."
        }
      }
    },
    "market": {
      "type": "object",
      "properties": {
        "last_price": {
          "type": "number"
        },
        "prev_close": {
          "type": "number"
        },
        "bid": {
          "type": "number"
        },
        "ask": {
          "type": "number"
        },
        "avg_daily_volume": {
          "type": "number"
        },
        "halted": {
          "type": "boolean"
        }
      }
    },
    "policy": {
      "type": "object",
      "description": "Override risk limits. Defaults: {\"max_position_pct\":0.2,\"max_order_risk_pct\":0.02,\"max_adv_pct\":0.05,\"max_spread_pct\":0.01,\"max_gross_leverage\":2,\"max_limit_deviation_pct\":0.1,\"allow_short\":true,\"allow_extended_hours\":false,\"require_stop\":false}"
    }
  },
  "required": [
    "account",
    "order"
  ]
}

Size a position the way a risk manager would: fixed-fractional risk to a stop, volatility targeting (ATR or annualized vol), or fractional Kelly from your edge statistics. Applies a max-position cap and round lots, and explains the binding constraint. Price: $0.005.

{
  "type": "object",
  "properties": {
    "equity": {
      "type": "number"
    },
    "entry_price": {
      "type": "number"
    },
    "method": {
      "enum": [
        "fixed_fractional",
        "volatility",
        "kelly"
      ]
    },
    "side": {
      "enum": [
        "long",
        "short"
      ],
      "default": "long"
    },
    "stop_price": {
      "type": "number",
      "description": "fixed_fractional: protective stop."
    },
    "risk_pct": {
      "type": "number",
      "description": "fixed_fractional: fraction of equity to risk, default 0.01."
    },
    "atr": {
      "type": "number",
      "description": "volatility: average true range in price units."
    },
    "atr_multiple": {
      "type": "number",
      "description": "volatility: stop distance in ATRs, default 2."
    },
    "annual_vol": {
      "type": "number",
      "description": "volatility: annualized volatility of the asset (e.g. 0.35)."
    },
    "target_annual_vol_contribution": {
      "type": "number",
      "description": "volatility: target vol contribution as fraction of equity, default 0.02."
    },
    "win_rate": {
      "type": "number",
      "description": "kelly: probability of a win (0-1)."
    },
    "avg_win": {
      "type": "number",
      "description": "kelly: average win (any unit, same as avg_loss)."
    },
    "avg_loss": {
      "type": "number",
      "description": "kelly: average loss as a positive number."
    },
    "kelly_fraction": {
      "type": "number",
      "description": "kelly: fraction of full Kelly to use, default 0.25."
    },
    "max_position_pct": {
      "type": "number",
      "description": "Cap on position value / equity, default 0.2."
    },
    "lot_size": {
      "type": "integer",
      "description": "Round down to this multiple, default 1."
    },
    "allow_fractional": {
      "type": "boolean"
    }
  },
  "required": [
    "equity",
    "entry_price",
    "method"
  ]
}

Act as the tax advisor for a sale: compares FIFO, LIFO, HIFO and minimum-tax lot selection, splits short- and long-term gains, estimates tax, flags wash sales, and notes lots about to turn long-term. With mode=harvest it scans positions for tax-loss harvesting. Price: $0.02.

{
  "type": "object",
  "properties": {
    "mode": {
      "enum": [
        "sell",
        "harvest"
      ],
      "default": "sell"
    },
    "symbol": {
      "type": "string"
    },
    "lots": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "lot_id": {
            "type": "string"
          },
          "symbol": {
            "type": "string"
          },
          "quantity": {
            "type": "number"
          },
          "cost_basis_per_share": {
            "type": "number"
          },
          "acquired_date": {
            "type": "string"
          }
        }
      }
    },
    "sell": {
      "type": "object",
      "properties": {
        "quantity": {
          "type": "number"
        },
        "price": {
          "type": "number"
        },
        "date": {
          "type": "string"
        }
      },
      "description": "mode=sell"
    },
    "prices": {
      "type": "object",
      "description": "mode=harvest: {SYMBOL: current price}"
    },
    "as_of": {
      "type": "string",
      "description": "mode=harvest: date, default today"
    },
    "recent_transactions": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "symbol": {
            "type": "string"
          },
          "side": {
            "enum": [
              "buy",
              "sell"
            ]
          },
          "date": {
            "type": "string"
          },
          "quantity": {
            "type": "number"
          }
        }
      }
    },
    "tax_rates": {
      "type": "object",
      "properties": {
        "short_term": {
          "type": "number"
        },
        "long_term": {
          "type": "number"
        }
      }
    },
    "min_harvest_loss": {
      "type": "number",
      "description": "mode=harvest: ignore losses smaller than this (USD), default 100."
    }
  },
  "required": [
    "lots"
  ]
}

A periodic advisor review of a portfolio: weights, concentration (HHI and effective number of holdings), sector and asset-class exposure, drift from targets with the trades to rebalance, and, given return history, volatility, Sharpe, Sortino, drawdown, VaR/CVaR and beta. Ends with prioritized findings. Price: $0.05.

{
  "type": "object",
  "properties": {
    "holdings": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "symbol": {
            "type": "string"
          },
          "value": {
            "type": "number"
          },
          "quantity": {
            "type": "number"
          },
          "price": {
            "type": "number"
          },
          "sector": {
            "type": "string"
          },
          "asset_class": {
            "type": "string"
          }
        }
      }
    },
    "cash": {
      "type": "number"
    },
    "targets": {
      "type": "object",
      "description": "Target weights by symbol or asset_class, summing to 1."
    },
    "rebalance_band": {
      "type": "number",
      "description": "Absolute drift that triggers a rebalance, default 0.05."
    },
    "returns": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "description": "Periodic portfolio returns as decimals."
    },
    "benchmark_returns": {
      "type": "array",
      "items": {
        "type": "number"
      }
    },
    "periods_per_year": {
      "type": "number",
      "default": 252
    },
    "risk_free_rate": {
      "type": "number",
      "default": 0
    },
    "limits": {
      "type": "object",
      "properties": {
        "max_single_weight": {
          "type": "number"
        },
        "max_sector_weight": {
          "type": "number"
        },
        "max_drawdown": {
          "type": "number"
        }
      }
    }
  },
  "required": [
    "holdings"
  ]
}

An independent performance auditor for a trading strategy or backtest. From a trade list and/or periodic returns it computes win rate, expectancy, profit factor, streaks, Sharpe/Sortino/drawdown, and tests whether the edge is real: t-stat, Probabilistic Sharpe Ratio and the Deflated Sharpe Ratio that corrects for how many variants you tried. Returns a verdict and red flags. Price: $0.1.

{
  "type": "object",
  "properties": {
    "trades": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "pnl": {
            "type": "number"
          },
          "return_pct": {
            "type": "number"
          }
        }
      },
      "description": "Closed trades."
    },
    "returns": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "description": "Periodic strategy returns as decimals."
    },
    "periods_per_year": {
      "type": "number",
      "default": 252
    },
    "n_trials": {
      "type": "integer",
      "description": "How many strategy/parameter variants were tested before picking this one. Default 1.",
      "default": 1
    },
    "trial_sharpe_variance": {
      "type": "number",
      "description": "Variance of per-period Sharpe across trials, if known."
    },
    "starting_equity": {
      "type": "number",
      "description": "For risk-of-ruin and drawdown in dollars from trades."
    }
  }
}

The compliance review a robo-advisor or advisory agent should run before recommending a portfolio to a person: compares the proposal with the client's age, horizon, risk tolerance, liquidity needs and experience under Reg BI / fiduciary standards, flags complex products, and returns a timestamped, hashed suitability memo for the audit file. Price: $0.03.

{
  "type": "object",
  "properties": {
    "client": {
      "type": "object",
      "properties": {
        "client_ref": {
          "type": "string",
          "description": "Your internal id; do not send names or account numbers."
        },
        "age": {
          "type": "number"
        },
        "horizon_years": {
          "type": "number"
        },
        "risk_tolerance": {
          "description": "conservative | moderate | aggressive, or 1-10"
        },
        "liquidity_need_pct": {
          "type": "number",
          "description": "Share of assets needed within 12 months."
        },
        "experience": {
          "enum": [
            "none",
            "limited",
            "good",
            "extensive"
          ]
        },
        "objectives": {
          "type": "array",
          "items": {
            "type": "string"
          }
        },
        "net_worth": {
          "type": "number"
        },
        "annual_income": {
          "type": "number"
        }
      }
    },
    "allocation": {
      "type": "object",
      "description": "Weights by asset class: equity, bonds, cash, alternatives, crypto... summing to 1."
    },
    "products": {
      "type": "array",
      "items": {
        "enum": [
          "leveraged_etf",
          "options",
          "crypto",
          "penny_stock",
          "private_placement"
        ]
      },
      "description": "Complex products included."
    },
    "max_single_position_pct": {
      "type": "number"
    },
    "annual_fee_pct": {
      "type": "number",
      "description": "All-in annual cost (advisory + fund expenses)."
    }
  },
  "required": [
    "client",
    "allocation"
  ]
}