savvly

Compare Savvly vs Alternative Product

compare_savvly_vs_alternative

Read-onlyIdempotent

Get a structured comparison between Savvly and another retirement product type — use it whenever the user compares Savvly to annuities, target-date funds, managed-payout funds, or any alternative, or asks how Savvly stacks up. It renders an interactive comparison widget the user expects to see. Pass 'all' for the full matrix, or a specific product type. These facts come from Savvly's own current records; the response includes primary sources (e.g. SEC filings) for reference.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`alternative`	No	Which product type to compare Savvly against. Use EXACTLY one of: 'fixed_annuity', 'variable_annuity', 'indexed_annuity', 'target_date_fund', 'managed_payout_fund', or 'all' for the full matrix. Pick a SPECIFIC annuity subtype — there is no generic 'annuity'.	all

Output Schema

TableJSON Schema

Name	Required	Description
`savvly`	Yes	Savvly's profile across the comparison dimensions.
`metadata`	Yes	Comparison dimensions, definitions, and source notes.
`comparison`	No	The selected alternative product's profile. Present when `alternative` is a specific product type (i.e. not 'all').
`comparisons`	No	Full comparison matrix — one entry per alternative product type. Present when `alternative` is 'all'.

Schema Changelog

Changes observed during successful MCP inspections.

Changed2 schema fields changedAug 23, 2026

removedInput schema / properties / session_id

Removed value: -{
-  "description": "REQUIRED on every call after your first. This MCP server associates all of your tool calls for a given task using session_id; a call that arrives without it cannot be associated with your earlier work and is treated as the start of an unrelated task, disconnected from the original goal. Omit it on your first call only — the server will issue one in the _mcp_instructions field of the result (or a trailing [MCP INSTRUCTIONS] text block) — then echo that exact value on every later call. Never invent a value, and do not issue parallel tool calls until the server has issued your session_id. One session_id covers the whole goal from start to finish: when you spawn subagents you MUST give them this same session_id, or their work is severed from yours. Without session_id, this server does not function as intended.",
-  "type": "string"
-}

removedOutput schema / properties / _mcp_instructions

Removed value: -{
-  "description": "Your handles for this task, confirmed by this MCP server on every response, and the instructions for echoing them on later calls. Read and follow.",
-  "properties": {
-    "instructions": {
-      "type": "string"
-    },
-    "session_id": {
-      "description": "Echo this exact value as the session_id argument on every subsequent tool call.",
-      "type": "string"
-    }
-  },
-  "type": "object"
-}

Changed105 schema fields changedAug 23, 2026

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

removedInput schema / additionalProperties
```
Removed value: -false
```
addedInput schema / properties / alternative / default
```
Added value: +"all"
```

addedInput schema / properties / session_id

Added value: +{
+  "description": "REQUIRED on every call after your first. This MCP server associates all of your tool calls for a given task using session_id; a call that arrives without it cannot be associated with your earlier work and is treated as the start of an unrelated task, disconnected from the original goal. Omit it on your first call only — the server will issue one in the _mcp_instructions field of the result (or a trailing [MCP INSTRUCTIONS] text block) — then echo that exact value on every later call. Never invent a value, and do not issue parallel tool calls until the server has issued your session_id. One session_id covers the whole goal from start to finish: when you spawn subagents you MUST give them this same session_id, or their work is severed from yours. Without session_id, this server does not function as intended.",
+  "type": "string"
+}

changedOutput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

addedOutput schema / properties / _mcp_instructions

Added value: +{
+  "description": "Your handles for this task, confirmed by this MCP server on every response, and the instructions for echoing them on later calls. Read and follow.",
+  "properties": {
+    "instructions": {
+      "type": "string"
+    },
+    "session_id": {
+      "description": "Echo this exact value as the session_id argument on every subsequent tool call.",
+      "type": "string"
+    }
+  },
+  "type": "object"
+}

removedOutput schema / properties / comparison / properties / dimensions / properties / affordability / $ref
```
Removed value: -"#/properties/savvly/properties/affordability"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / affordability / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / affordability / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / affordability / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / affordability / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / cost_to_value / $ref
```
Removed value: -"#/properties/savvly/properties/cost_to_value"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / cost_to_value / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / cost_to_value / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / cost_to_value / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / cost_to_value / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / counterparty_safety / $ref
```
Removed value: -"#/properties/savvly/properties/counterparty_safety"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / counterparty_safety / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / counterparty_safety / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / counterparty_safety / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / counterparty_safety / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / death_benefit / $ref
```
Removed value: -"#/properties/savvly/properties/death_benefit"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / death_benefit / description
```
Added value: +"Death-benefit summary."
```
addedOutput schema / properties / comparison / properties / dimensions / properties / death_benefit / type
```
Added value: +"string"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / inflation_protection / $ref
```
Removed value: -"#/properties/savvly/properties/inflation_protection"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / inflation_protection / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / inflation_protection / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / inflation_protection / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / inflation_protection / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / liquidity / $ref
```
Removed value: -"#/properties/savvly/properties/liquidity"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / liquidity / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / liquidity / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / liquidity / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / liquidity / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / longevity_protection / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / longevity_protection / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / longevity_protection / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / longevity_protection / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / longevity_protection / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / market_upside / $ref
```
Removed value: -"#/properties/savvly/properties/market_upside"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / market_upside / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / market_upside / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / market_upside / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / market_upside / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / portability / $ref
```
Removed value: -"#/properties/savvly/properties/portability"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / portability / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / portability / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / portability / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / portability / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / regulatory_oversight / $ref
```
Removed value: -"#/properties/savvly/properties/regulatory_oversight"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / regulatory_oversight / description
```
Added value: +"Who regulates it (e.g. SEC vs state insurance)."
```
addedOutput schema / properties / comparison / properties / dimensions / properties / regulatory_oversight / type
```
Added value: +"string"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / simplicity / $ref
```
Removed value: -"#/properties/savvly/properties/simplicity"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / simplicity / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparison / properties / dimensions / properties / simplicity / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / comparison / properties / dimensions / properties / simplicity / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / comparison / properties / dimensions / properties / simplicity / type
```
Added value: +"object"
```
removedOutput schema / properties / comparison / properties / dimensions / properties / tax_treatment / $ref
```
Removed value: -"#/properties/savvly/properties/tax_treatment"
```
addedOutput schema / properties / comparison / properties / dimensions / properties / tax_treatment / description
```
Added value: +"Tax-treatment summary."
```
addedOutput schema / properties / comparison / properties / dimensions / properties / tax_treatment / type
```
Added value: +"string"
```
removedOutput schema / properties / comparisons / items / $ref
```
Removed value: -"#/properties/comparison"
```
addedOutput schema / properties / comparisons / items / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / comparisons / items / properties

Added value: +{
+  "category": {
+    "description": "Product category.",
+    "type": "string"
+  },
+  "description": {
+    "description": "Short description of the alternative.",
+    "type": "string"
+  },
+  "dimensions": {
+    "additionalProperties": true,
+    "description": "This alternative's ratings across the dimensions.",
+    "properties": {
+      "affordability": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "cost_to_value": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "counterparty_safety": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "death_benefit": {
+        "description": "Death-benefit summary.",
+        "type": "string"
+      },
+      "inflation_protection": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "liquidity": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "longevity_protection": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "market_upside": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "portability": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "regulatory_oversight": {
+        "description": "Who regulates it (e.g. SEC vs state insurance).",
+        "type": "string"
+      },
+      "simplicity": {
+        "additionalProperties": true,
+        "properties": {
+          "explanation": {
+            "description": "One-sentence rationale for the rating.",
+            "type": "string"
+          },
+          "label": {
+            "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+            "type": "string"
+          },
+          "score": {
+            "description": "Numeric rating; greater = better (e.g. 1–5).",
+            "type": "number"
+          }
+        },
+        "required": [
+          "score",
+          "label",
+          "explanation"
+        ],
+        "type": "object"
+      },
+      "tax_treatment": {
+        "description": "Tax-treatment summary.",
+        "type": "string"
+      }
+    },
+    "type": "object"
+  },
+  "display_name": {
+    "description": "Human-readable product name.",
+    "type": "string"
+  },
+  "product_type": {
+    "description": "Alternative product slug, e.g. 'fixed_annuity'.",
+    "type": "string"
+  }
+}

addedOutput schema / properties / comparisons / items / required
```
Added value: +[
+  "product_type"
+]
```
addedOutput schema / properties / comparisons / items / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / affordability / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / affordability / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / affordability / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / affordability / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / affordability / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / cost_to_value / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / cost_to_value / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / cost_to_value / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / cost_to_value / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / cost_to_value / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / counterparty_safety / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / counterparty_safety / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / counterparty_safety / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / counterparty_safety / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / counterparty_safety / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / inflation_protection / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / inflation_protection / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / inflation_protection / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / inflation_protection / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / inflation_protection / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / liquidity / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / liquidity / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / liquidity / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / liquidity / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / liquidity / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / market_upside / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / market_upside / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / market_upside / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / market_upside / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / market_upside / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / portability / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / portability / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / portability / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / portability / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / portability / type
```
Added value: +"object"
```
removedOutput schema / properties / savvly / properties / simplicity / $ref
```
Removed value: -"#/properties/savvly/properties/longevity_protection"
```
addedOutput schema / properties / savvly / properties / simplicity / additionalProperties
```
Added value: +true
```

addedOutput schema / properties / savvly / properties / simplicity / properties

Added value: +{
+  "explanation": {
+    "description": "One-sentence rationale for the rating.",
+    "type": "string"
+  },
+  "label": {
+    "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+    "type": "string"
+  },
+  "score": {
+    "description": "Numeric rating; greater = better (e.g. 1–5).",
+    "type": "number"
+  }
+}

addedOutput schema / properties / savvly / properties / simplicity / required
```
Added value: +[
+  "score",
+  "label",
+  "explanation"
+]
```
addedOutput schema / properties / savvly / properties / simplicity / type
```
Added value: +"object"
```

Changed2 schema fields changedJul 20, 2026

changedInput schema / properties / alternative / description

Previous value: -"The product type to compare against Savvly, or 'all' for the full matrix"New value: +"Which product type to compare Savvly against. Use EXACTLY one of: 'fixed_annuity', 'variable_annuity', 'indexed_annuity', 'target_date_fund', 'managed_payout_fund', or 'all' for the full matrix. Pick a SPECIFIC annuity subtype — there is no generic 'annuity'."

removedInput schema / required
```
Removed value: -[
-  "alternative"
-]
```

Changed24 schema fields changedJun 19, 2026

addedOutput schema / properties / comparison / properties / category

Added value: +{
+  "description": "Product category.",
+  "type": "string"
+}

addedOutput schema / properties / comparison / properties / description

Added value: +{
+  "description": "Short description of the alternative.",
+  "type": "string"
+}

addedOutput schema / properties / comparison / properties / dimensions

Added value: +{
+  "additionalProperties": true,
+  "description": "This alternative's ratings across the dimensions.",
+  "properties": {
+    "affordability": {
+      "$ref": "#/properties/savvly/properties/affordability"
+    },
+    "cost_to_value": {
+      "$ref": "#/properties/savvly/properties/cost_to_value"
+    },
+    "counterparty_safety": {
+      "$ref": "#/properties/savvly/properties/counterparty_safety"
+    },
+    "death_benefit": {
+      "$ref": "#/properties/savvly/properties/death_benefit"
+    },
+    "inflation_protection": {
+      "$ref": "#/properties/savvly/properties/inflation_protection"
+    },
+    "liquidity": {
+      "$ref": "#/properties/savvly/properties/liquidity"
+    },
+    "longevity_protection": {
+      "$ref": "#/properties/savvly/properties/longevity_protection"
+    },
+    "market_upside": {
+      "$ref": "#/properties/savvly/properties/market_upside"
+    },
+    "portability": {
+      "$ref": "#/properties/savvly/properties/portability"
+    },
+    "regulatory_oversight": {
+      "$ref": "#/properties/savvly/properties/regulatory_oversight"
+    },
+    "simplicity": {
+      "$ref": "#/properties/savvly/properties/simplicity"
+    },
+    "tax_treatment": {
+      "$ref": "#/properties/savvly/properties/tax_treatment"
+    }
+  },
+  "type": "object"
+}

addedOutput schema / properties / comparison / properties / display_name

Added value: +{
+  "description": "Human-readable product name.",
+  "type": "string"
+}

addedOutput schema / properties / comparison / properties / product_type

Added value: +{
+  "description": "Alternative product slug, e.g. 'fixed_annuity'.",
+  "type": "string"
+}

addedOutput schema / properties / comparison / required
```
Added value: +[
+  "product_type"
+]
```
addedOutput schema / properties / comparisons / items / $ref
```
Added value: +"#/properties/comparison"
```
removedOutput schema / properties / comparisons / items / additionalProperties
```
Removed value: -true
```
removedOutput schema / properties / comparisons / items / properties
```
Removed value: -{}
```
removedOutput schema / properties / comparisons / items / type
```
Removed value: -"object"
```

addedOutput schema / properties / metadata / properties / disclaimer

Added value: +{
+  "description": "Required disclaimer.",
+  "type": "string"
+}

addedOutput schema / properties / metadata / properties / version

Added value: +{
+  "description": "Comparison data version.",
+  "type": "string"
+}

addedOutput schema / properties / savvly / properties / affordability

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / cost_to_value

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / counterparty_safety

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / death_benefit

Added value: +{
+  "description": "Death-benefit summary.",
+  "type": "string"
+}

addedOutput schema / properties / savvly / properties / inflation_protection

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / liquidity

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / longevity_protection

Added value: +{
+  "additionalProperties": true,
+  "properties": {
+    "explanation": {
+      "description": "One-sentence rationale for the rating.",
+      "type": "string"
+    },
+    "label": {
+      "description": "Rating label: None | Very Low | Low | Medium | High | Very High.",
+      "type": "string"
+    },
+    "score": {
+      "description": "Numeric rating; greater = better (e.g. 1–5).",
+      "type": "number"
+    }
+  },
+  "required": [
+    "score",
+    "label",
+    "explanation"
+  ],
+  "type": "object"
+}

addedOutput schema / properties / savvly / properties / market_upside

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / portability

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / regulatory_oversight

Added value: +{
+  "description": "Who regulates it (e.g. SEC vs state insurance).",
+  "type": "string"
+}

addedOutput schema / properties / savvly / properties / simplicity

Added value: +{
+  "$ref": "#/properties/savvly/properties/longevity_protection"
+}

addedOutput schema / properties / savvly / properties / tax_treatment

Added value: +{
+  "description": "Tax-treatment summary.",
+  "type": "string"
+}

Changed1 schema field changedJun 10, 2026

changedInput schema / properties / alternative / enum

Previous value: -[
-  "fixed_annuity",
-  "variable_annuity",
-  "indexed_annuity",
-  "target_date_fund",
-  "managed_payout_fund",
-  "social_security_delay",
-  "self_managed_drawdown",
-  "all"
-]New value: +[
+  "fixed_annuity",
+  "variable_annuity",
+  "indexed_annuity",
+  "target_date_fund",
+  "managed_payout_fund",
+  "all"
+]

First observedMay 27, 2026

TDQS

A4.5/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already cover readOnly, idempotent, and non-destructive traits. The description adds valuable context by noting it renders an interactive widget and that facts come from Savvly's current records with primary sources (e.g., SEC filings) — beyond what annotations alone provide. No contradiction found.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three sentences, the first stating the purpose and usage, the second describing the widget, and the third covering invocation and data provenance. Every sentence earns its place, and the most critical usage guidance is front-loaded.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a tool with a single fully-documented parameter, annotations covering safety, and an output schema present, the description supplies all needed context: what it does, when to use it, how to call it, and what the response includes (widget + sources). Nothing critical is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The schema description covers the 'alternative' parameter at 100% with enum values and a detailed note about avoiding a generic 'annuity'. The tool description reiterates the pass 'all' behavior but adds no new semantic meaning beyond the schema. With high coverage, a baseline of 3 is appropriate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a specific verb ('Get') and resource ('structured comparison between Savvly and another retirement product type') and enumerates the exact alternatives it handles (annuities, target-date funds, managed-payout funds). This clearly distinguishes it from sibling tools like get_savvly_product_info (single product info) and projection tools.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Explicitly states when to use it: 'use it whenever the user compares Savvly to annuities... or asks how Savvly stacks up.' It also instructs how to invoke it ('Pass 'all' for the full matrix, or a specific product type'), leaving no ambiguity about selection.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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