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Worthune Verified Financial Models

decide_household

Idempotent

Run a Household Coordination Engine strategy on a stored household and get back a ranked decision object with evidence records. Strategies: withdrawal-sequencing (no params); roth-ladder (params.candidates: [{annualAmountUsd, years}]); ss-claiming (params.candidateAges?: {memberId: [ages 62-70]}); asset-location (params.taxRates: {marginalOrdinary, qualifiedAndLtcg} plus params.characteristics or params.illustrativeCharacteristics: true — the illustrative set is labeled not-a-recommendation and is never applied silently); tax-loss-harvesting (params.ordinaryMarginalRatePct, optional longTermRatePct and realizedGains); annual-gifting (params.doneeCount, params.years); pension-election (params.ownerId, startAge, discountRatePct, options — EPVs from the NCHS life table; adults need sex). Alternatives are ranked best-first by a checkable score under a named objective; deltas name their baseline; every projection-backed candidate links its own verifiable record; exclusions are stated in the notes.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
idYes
paramsNoStrategy-specific parameters (see the tool description)
api_keyNoWorthune API key (wk_…)
horizonYes
profileNo
strategyYes
assumptionsNo

TDQS

A4.5/5.0
Behavior5/5

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

Beyond the annotations, the description discloses important behavioral guarantees: illustrative inputs are 'labeled not-a-recommendation and is never applied silently', alternatives are 'ranked best-first by a checkable score', deltas name their baseline, projection-backed candidates link verifiable records, and exclusions are stated in the notes. This adds substantial transparency beyond the idempotentHint and destructiveHint annotations.

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

Conciseness3/5

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

The content is dense and all relevant, but the description is a single long paragraph with semicolon-separated details. A bulleted strategy list and separate behavioral notes would make it much easier to scan. It is front-loaded with the core purpose, but the structure does not support quick reference.

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 complex multi-strategy tool with no output schema, the description is unusually complete. It covers all seven strategies, their parameters and optionality, the ranked output format, evidence and baseline behavior, and important caveats like the illustrative asset-location set. An agent has enough information to invoke the tool correctly and interpret its results.

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

Parameters4/5

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

With only 29% schema description coverage, the description takes on the burden of documenting strategy-specific parameters and largely succeeds: it enumerates params for each strategy, including roth-ladder candidates, ss-claiming candidateAges, asset-location tax rates, tax-loss-harvesting rates, annual-gifting counts, and pension-election options. It does not fully explain shared fields like profile or assumptions, but the ambiguous strategy params are well covered.

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 opens with a specific verb and resource: 'Run a Household Coordination Engine strategy on a stored household' and clearly states the output: 'a ranked decision object with evidence records.' The strategy list and decision-object framing distinguish it from siblings like run_model, project_household, and narrate_decision.

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

Usage Guidelines4/5

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

The description clearly establishes the context: use this tool when you need to run one of the listed coordination strategies on a stored household and get a ranked decision. It does not explicitly name alternatives or exclusions, but the use case is concrete enough that an agent should not confuse it with generic projection or narration tools.

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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TDQS

A4.4/5.0
Disambiguation5/5

Each tool targets a distinct resource and action: household CRUD, bulk import/mapping, projection/decision, model contract/run/verify, and narrative generation. Even the superficially similar pairs (project_household vs decide_household; run_model vs verify_claim) are clearly separated by their descriptions.

Naming Consistency5/5

All tool names use lowercase snake_case with imperative verb-first naming (create_, get_, patch_, replace_, run_, verify_). Pluralization follows natural semantics (list_models, import_households) without breaking the overall verb_noun pattern.

Tool Count5/5

13 tools is within the ideal range for a domain server. Each tool earns its place: household lifecycle, import tooling, model contract/run/verify, projection/decision, and narration form coherent clusters without redundancy.

Completeness4/5

Core workflows are well covered: create/read/update households, project and decide, list/get/run/verify models, and narrate decisions. Minor gaps remain: there is no delete_household or list_households, and no dedicated get_decision tool for retrieving a stored decision object independently.

Resources