Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered. The description adds nothing beyond the annotations — no mention of what happens when no financials exist for the requested year, whether partial data is returned, or what the summary contains.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.