create_financial_plan

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

No annotations are provided, so the description carries the full burden for behavioral disclosure. It only states it creates a plan, but does not discuss side effects, required permissions, or whether it modifies existing data.

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

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

The description is a single concise sentence with no wasted words. It could benefit from additional structure to improve readability.

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

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

Given the presence of sibling tools and an output schema (not described), the description lacks context about what the output contains, prerequisites, and when to use this tool over alternatives like analyze_portfolio.

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

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

Schema description coverage is 100%, so the schema already explains the parameters. The description adds no additional meaning beyond 'based on goals and current situation', which is redundant.

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

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

The description clearly states the action (create) and the resource (comprehensive financial plan) and identifies the inputs (goals and current situation). It differentiates from sibling tools like analyze_portfolio or get_credit_health, which are analysis-focused.

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

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

The description implies usage context (when you want to create a plan) but does not provide explicit guidance on when to use this tool over alternatives, nor does it mention when not to use it.

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