Optimal Roth conversion plan by year: amounts, tax, and after-tax wealth vs no conversion. Free.
Scored across 3 tools
The solver (optimize_roth_conversions) is clearly the main action, and the two non-solving helpers are explicitly labeled 'no solve'. check_request (feasibility/router) and get_conversion_example (input schema) are adjacent in spirit but their descriptions draw a clear line between 'can this server do X' and 'show me a valid input payload'.
All three names follow a consistent snake_case verb_noun pattern: check_request, get_conversion_example, optimize_roth_conversions. Verbs are distinct and meaningful (check vs get vs optimize), so the prefix alone signals the tool's role.
Three tools is on the thin side, but for a single-purpose numerical optimizer the surface is well scoped: one solver plus a triage helper and an input-schema helper. No redundant or speculative tools are present.
Core lifecycle is covered: route the request, obtain a valid input shape, run the optimization, and return results with a narrative and stated assumptions. Minor gaps remain—no tool to validate a user-supplied input before a 15-second run, no way to run side-by-side scenarios, and no export/re-run hook—but these are workarounds, not dead ends.
Say in plain words what the user wants (e.g. 'I'm still working and want to know Roth vs traditional 401k'). Returns whether this optimizer can do it and, if not, the closest thing it can do (or the sister server that can). Fast, no solve.
Inputs: description (required).
Return a complete example input for optimize_roth_conversions with a one-line explanation of every field. No solve. Edit it to the user's situation. kind 'single' (default: a 60-year-old early retiree with a traditional IRA, a brokerage account and Social Security later) or 'married'.
Inputs: kind.
Find the best Roth conversion amount for each year of a retirement plan, with living expenses funded from the right accounts and tax paid each year. Returns per-year conversions, taxes and balances, the after-tax wealth at the end with vs without conversions, totals, a plain-language plan narrative and the assumptions used. Advanced options (IRMAA, NIIT, real state brackets) are off by default. Runs in 1-3 seconds (up to ~15 with IRMAA/NIIT on a long horizon). All money in today's dollars. Optimal for the stated assumptions; not tax advice. Call get_conversion_example first if unsure of the shape.
Inputs: age (required), balances (required), filing, end_age, +8 more.
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