Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive, and openWorldHint=false, so the safety profile is fully covered. The description adds the scope of data returned (holdings deltas, Form 4 activity, SEC facts), but says nothing about time windows ('how their holdings changed' over what period, how 'recent' is defined), result size, or coverage limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.