The user's current holdings + P&L + annualized returns (offline, read-only). Use to answer 'what do I hold / how am I doing'.

Drawdown-first risk panel for the held portfolio: max drawdown (depth/dates/recovery + CI), Ulcer, CDaR, and Sharpe/Sortino/Calmar with bootstrap confidence intervals, plus the annualized time-weighted return (it rides on the same daily history). Offline, read-only. Use to answer 'how risky / how deep are the drawdowns' — and for the time-weighted return portfolio_summary can't compute.

Buy/sell/hold suggestions to move current holdings toward the target allocation (ASSET_TARGET). There are exactly 4 modes: 'to_total' (rebalance the whole book back to target weights — ALSO deploys new_cash into the rebalance if you pass it) and 'bands' (the same plan, but only when some sleeve has drifted past the 5%/25% threshold; if none has, every line is HOLD); 'fixed_dca' (spread new_cash across the target mix) and 'cash_flow_only' (put new_cash into the most-underweight sleeves) — these two REQUIRE new_cash > 0 and suggest all-HOLD when it is 0. Offline + read-only — it suggests, never trades. A NEW target ticker can't be sized offline (no cached price); those appear under 'unpriced'.

Published fund facts for each of the user's holdings (offline, read-only): type (ETF vs stock), expense ratio, AUM, average volume, age, category. Use to answer 'what am I paying / how big / how liquid / how old are my funds'. Reads the 7-day metadata cache; uncached holdings appear under 'missing'.

Roles the user's portfolio is light in (≤3% of market value), each with comparable funds from its standard SHELF — core funds first, so a style tilt or junk bond never fills a gap while a plain option exists (offline, read-only, propose-only). other_shelves names the role's other sub-exposures (treasury durations, REIT geography) without picking one: choosing a shelf is the user's decision. The sector-equity satellite is never flagged as a gap (a tactical bet, not a hole) — call with role='sector-equity' to get its shelf map, then add flavor= to see one shelf's funds. A gap means no dedicated fund; broad funds the user holds may already include the role at market weight. Use to answer 'what am I missing / what could I consider adding'. Deterministic; for the full per-candidate screen call screen_candidate.

Judge a NEW ticker against the user's book (offline, read-only, propose-only): cost, liquidity, age, concentration, overlap with what they hold, and whether it diversified their past drawdowns — each with a reason and the figures behind it. Use to answer 'is TICKER a good fit'. Fetches TICKER's price history on demand if it isn't cached (unless ASSET_MCP_OFFLINE is set). Never a buy recommendation or a return forecast.

Propose a strategic target allocation for a risk posture (conservative / moderate / aggressive) over the user's book + the curated universe, and validate it against a canonical reference (60-40 / all-weather / permanent) with a held-out recent-window drawdown verdict. Use to answer 'what should a moderate portfolio look like for me, and is it sound'. Propose-only: never trades, never a recommendation or return forecast — every weight comes from the deterministic core. The weights are always returned; the verdict needs the reference tickers cached, else it's null with a warm note. Pass benchmark='none' to skip validation.

Turn a new user's risk answers into a starting allocation. Pass the three onboarding answers — horizon ('under_3_years' | '3_to_10_years' | 'over_10_years'), loss_response ('sell' | 'hold' | 'buy_more'), cash_buffer ('no' | 'partly' | 'comfortably') — and it maps them to a conservative/moderate/aggressive posture (a fixed, explainable rubric — never your guess) and returns that preset allocation validated against a benchmark (60-40 / all-weather / permanent, or 'none' to skip — default 60-40), same as propose_allocation. Ask the three questions in plain language first, then call this with the chosen answer tokens. Propose-only: a hand-designed starting posture, never a recommendation or a return forecast.