Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The description adds the concrete scope of the returned dataset (AUM, fees, previous-month total), but says nothing about update cadence, currency assumptions beyond AUD, pagination, or freshness.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.