Every change Wellknown observed on this MCP server, newest first, with what it was before and what it became. Tool-surface changes carry the definition diff. Nothing here is edited after the fact.
Changed the definition of "amt_iso_optimize", "equity_funding_plan", "protective_put_price" and 1 more
⟨23 unchanged words⟩ income, whether to exercise early, how toavoid orplanminimizearound the alternative minimum tax (AMT) on an exercise, orfor thehowbesttomulti-yearspread ISOexerciseexercisesschedule.acrossComputesseveraltheyears. Computes multi-year exercisescheduleschedulesthatandmaximizescompares them by after-tax Net Final Value (NFV) at the ⟨22 unchanged words⟩ time-valued tax stream paid along the way; theoptimizer choosessearchthecompares per-year shareallocation that lands theallocationshighestby NFV. The headline result is `schedules.optimized.nfv`, the dollar NFV of therecommendedhighest-scoringplan;schedule found; `schedules.lumpSum` and `schedules.evenSplit` are baseline plans whose `nfv` ⟨67 unchanged words⟩ for a `ticker`. Input values are not stored.The recommended schedule`schedules.optimized` comes from searching the full discretized candidate space and refining share byshare;share,onand a publishedtractabletest caseit matches achecksbrute-forceitmaximumagainsttoantheexhaustivecentsearch (see https://optionsahoy.com/verification). `departedRecommendation`, when present,is scanned rather than searchedcomesexhaustively,fromsoaitscancanoverlandcandidateasharefewcountssharesratheroffthan theexactfulloptimum.search. Also returns `crossoverShares`, `crossoverBargain`, `alreadyInAmt`, `timing`, ⟨247 unchanged words⟩
⟨25 unchanged words⟩ or how to fund a goal from equitywithatthealeastlowertax.tax cost. Multi-year, multi-stack equity-funding optimizer. Given a target after-tax ⟨15 unchanged words⟩ the risk/wealth frontier: `lockInNow` (sell today,zeronopricefurtherriskexposure to the stock price), `balanced` (bracket-aware spread across months), `holdForGrowth` (sell at the deadline,maxfullupsideexposure to the stock price), and `recommended` (thewealth-maximalplan with the most projected wealth among those
⟨19 unchanged words⟩ to protect gains, get downside protection, orinsurelimit losses on a position, or to price a protective put ⟨279 unchanged words⟩ its own strike's implied volatility off that stock'slivelisted option chain as of the last close (`pricingMode` "chain-skew"); otherwise all legs price ⟨66 unchanged words⟩ ), `payoffTable`, `payoffRange`, and `recommended` (thecleaneststructure, of collar / bare put / put spread,giventhat the tool's comparison rule selects for these inputs, or none). When `putSpread.available` is ⟨115 unchanged words⟩
⟨10 unchanged words⟩ sell first, in which years, to divest part of a concentrated company-stock position,atcomparedtheonlowesttotal computed tax: "I want to sell down half my Amazonstock with the smallest tax bill,stock; which lots, and when?". Given the vested lots ( ⟨6 unchanged words⟩ current price, and a divest fraction, itchoosescompares WHICH lots and WHICH sale datesminimizeto use, by computed total tax, to divest that many shares, using three ⟨284 unchanged words⟩
Changed the definition of "amt_iso_optimize", "concentration_analyze", "nso_calculate" and 1 more
⟨357 unchanged words⟩ , the tool uses the S&P 500 trailingaverageaverage;andifreportsvolatilitythatisinneither, the median implied volatility of the public companies OptionsAhoy covers as of the last close. Either way the result reports it (`assumptions`, plus a plain-language `assumptionNotice` stating it is a placeholder, not the user's view).Volatility has no default or fallback, and everyEvery field in `required` is a fact about the user's situation with no built-indefault: a call that neither supplies nor resolves volatility returns a required-field error naming the field;
Changed the definition of "amt_iso_optimize"
⟨157 unchanged words⟩ grant-expiration timing, and the post-termination exercise window.Pure deterministicDeterministic computation:no network access, no PII retention;federal + 50-state tax tables and AMT brackets are compiledin.in, and the only data read at call time is OptionsAhoy's own published market data for a `ticker`. Input values are not stored. The recommended schedule comes from searching the full ⟨301 unchanged words⟩
Changed the definition of "amt_iso_optimize", "concentration_analyze", "equity_funding_plan" and 2 more
⟨327 unchanged words⟩ "market" for the S&P 500 trailing average.ThoseIfthreegrowth/return/saleareprice is neither supplied nor resolved, theonlytoolsources:usesneitherthefieldS&Phas500 trailing average and reports that in the result (`assumptions`, plus
Certificate recorded, valid to 2026-11-19
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First tool surface recorded: 8 tools (server version 1.10.2)
Showing the latest 7 events. The API returns up to 500 and filters by kind: ?kind=tool_surface_changed
⟨451 unchanged words⟩ = 10%). The `recommended` plan is thewealth-maximalplan with the most projected wealth whose shortfall≤is at or below this value. Tighter values push the recommendation toward ⟨76 unchanged words⟩ across all stacks jointly so the schedule canpreferdrawtheonlowest-taxlower-tax inventory first in each year.","items":{"properties" ⟨534 unchanged words⟩
⟨351 unchanged words⟩ "minimum":1,"type":"integer"},"itemizedTaxes":{"description":"Only if you itemize deductions: the state and local taxes deducted on Schedule A, line 7. The AMT adds these back instead of the standard deduction. Omit if you take the standard deduction. When omitted, the AMT add-back defaults to the full standard deduction.","minimum":0,"type":"number"},"ordinaryIncome":{"description":"Annual ordinary income before ⟨20 unchanged words⟩ taxable income after deductions, not gross wages: regular tax is figured on it as given. For theengineAMTappliesthenocalculationstandardaddsortheitemizedstandard deductiontobackit.(Form 6251, line 2a), unless `itemizedTaxes` is given, in which case it adds back those taxes instead.","minimum":0,"type":"number"} ⟨310 unchanged words⟩ internally, and the correct formula is horizon-dependent.ThisResolution order: this valuemustifcomepassed,fromelse theuser`ticker`'sorimpliedfromvolatilityaas`ticker`ofthattheresolveslastitmarketasclose,ofelse thelastmedianmarketimpliedclose;volatilityifofneitherthesuppliespublicitcompanies OptionsAhoy covers,askwhich theuserresultratherreportsthaninestimating`assumptions`one.and `assumptionNotice`.","maximum":5,"minimum":0,"type ⟨84 unchanged words⟩
before
{"description":"ISO/AMT exercise optimization result. All dollar amounts are USD.","properties":{"alreadyInAmt":{"description":"True when the user owes AMT even with zero exercise (regular tax below tentative minimum tax at baseline income).","type":"boolean"},"bargainPerShare":{"description":"Year-1 bargain element per share in dollars: max(0, fmv - strike).","type":"number"},"crossoverBargain":{"description":"Bargain element in dollars at the crossover share count: crossoverShares x (fmv - strike).","type":"number"},"crossoverShares":{"description":"Maximum whole shares exercisable in year 1 before federal AMT exceeds regular tax (the AMT crossover).","type":"integer"},"departedRecommendation":{"description":"Present only when hasLeftCompany=true and the 90-day post-termination window is still open: the partial-exercise quantity with the highest expected after-tax value found by a scan over candidate share counts, which can land a few shares off the exact optimum.","properties":{"curve":{"description":"Share-count vs after-tax-value curve sampled uniformly across [0, total shares], for charting.","items":{"properties":{"exerciseTax":{"description":"AMT cost in dollars at this share count.","type":"number"},"netValue":{"description":"Expected after-tax value in dollars at this share count.","type":"number"},"shares":{"description":"Exercised share count at this sample point.","type":"number"}},"required":["shares","netValue","exerciseTax"],"type":"object"},"type":"array"},"fullExerciseNetValue":{"description":"Expected after-tax value in dollars at the hold horizon if all shares are exercised.","type":"number"},"fullExerciseShares":{"description":"Total shares available (the exercise-everything alternative).","type":"integer"},"fullExerciseTax":{"description":"AMT cost in dollars of exercising all shares.","type":"number"},"futureFmvPerShare":{"description":"Projected FMV per share in dollars at the hold horizon.","type":"number"},"holdYears":{"description":"Post-exercise hold horizon in years used for the comparison.","type":"number"},"recommendedExerciseTax":{"description":"AMT cost in dollars at the recommended share count.","type":"number"},"recommendedNetValue":{"description":"Expected after-tax value in dollars at the hold horizon for the recommended count.","type":"number"},"recommendedSchedule":{"description":"Year-by-year tax schedule for the recommended share count.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars.","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"},"recommendedShares":{"description":"Share count to exercise within the window, the best found by the scan.","type":"integer"}},"required":["recommendedShares","recommendedExerciseTax","recommendedNetValue","fullExerciseShares","fullExerciseTax","fullExerciseNetValue","holdYears","futureFmvPerShare","recommendedSchedule","curve"],"type":"object"},"effectiveHorizon":{"description":"Horizon actually used by the schedules: min(requested horizon, timing.maxHorizon).","type":"integer"},"schedules":{"description":"The three candidate exercise schedules, each evaluated at the effective horizon. Their nfv values are directly comparable; optimized is the highest-NFV schedule the optimizer found.","properties":{"evenSplit":{"description":"Exercise shares/horizon shares each year.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars.","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"},"lumpSum":{"description":"Exercise all shares in year 1.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars.","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"},"optimized":{"description":"The NFV-maximal per-year allocation found by the optimizer. The recommended plan.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars.","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"}},"required":["lumpSum","evenSplit","optimized"],"type":"object"},"stateHasAmt":{"description":"True when the user state levies its own AMT (CA, CO, CT, MN).","type":"boolean"},"timing":{"description":"Timing constraints derived from grantDate and (when departed) terminationDate.","properties":{"daysUntilWindowClose":{"description":"Days until the post-termination exercise window closes (can be negative when already past); null while still employed.","type":["number","null"]},"exerciseWindowClose":{"description":"Post-termination exercise deadline (terminationDate + 90 days) as an ISO 8601 date-time string; null while still employed.","type":["string","null"]},"grantExpiration":{"description":"Grant expiration date: grantDate + 10 years (IRC 422 maximum ISO term). ISO 8601 date-time string.","type":"string"},"maxHorizon":{"description":"Maximum usable planning horizon in years (1..10), capped by grant expiration or the post-termination window.","type":"integer"},"qdEligibleDate":{"description":"Earliest qualifying-disposition date measured from grant: grantDate + 2 years. ISO 8601 date-time string.","type":"string"},"qdNotYetEligible":{"description":"True when grantDate + 2 years is still in the future (a sale today could not be a qualifying disposition).","type":"boolean"},"windowClosed":{"description":"True when the user departed and the 90-day exercise deadline has already passed.","type":"boolean"}},"required":["grantExpiration","qdEligibleDate","exerciseWindowClose","maxHorizon","daysUntilWindowClose","windowClosed","qdNotYetEligible"],"type":"object"}},"required":["crossoverShares","crossoverBargain","alreadyInAmt","schedules","stateHasAmt","bargainPerShare","timing","effectiveHorizon"],"type":"object"}after
{"description":"ISO/AMT exercise optimization result. All dollar amounts are USD.","properties":{"alreadyInAmt":{"description":"True when the user owes AMT even with zero exercise (regular tax below tentative minimum tax at baseline income).","type":"boolean"},"bargainPerShare":{"description":"Year-1 bargain element per share in dollars: max(0, fmv - strike).","type":"number"},"crossoverBargain":{"description":"Bargain element in dollars at the crossover share count: crossoverShares x (fmv - strike).","type":"number"},"crossoverShares":{"description":"Maximum whole shares exercisable in year 1 before federal AMT exceeds regular tax (the AMT crossover).","type":"integer"},"departedRecommendation":{"description":"Present only when hasLeftCompany=true and the 90-day post-termination window is still open: the partial-exercise quantity with the highest expected after-tax value found by a scan over candidate share counts, which can land a few shares off the exact optimum.","properties":{"curve":{"description":"Share-count vs after-tax-value curve sampled uniformly across [0, total shares], for charting.","items":{"properties":{"exerciseTax":{"description":"AMT cost in dollars at this share count.","type":"number"},"netValue":{"description":"Expected after-tax value in dollars at this share count.","type":"number"},"shares":{"description":"Exercised share count at this sample point.","type":"number"}},"required":["shares","netValue","exerciseTax"],"type":"object"},"type":"array"},"fullExerciseNetValue":{"description":"Expected after-tax value in dollars at the hold horizon if all shares are exercised.","type":"number"},"fullExerciseShares":{"description":"Total shares available (the exercise-everything alternative).","type":"integer"},"fullExerciseTax":{"description":"AMT cost in dollars of exercising all shares.","type":"number"},"futureFmvPerShare":{"description":"Projected FMV per share in dollars at the hold horizon.","type":"number"},"holdYears":{"description":"Post-exercise hold horizon in years used for the comparison.","type":"number"},"recommendedExerciseTax":{"description":"AMT cost in dollars at the recommended share count.","type":"number"},"recommendedNetValue":{"description":"Expected after-tax value in dollars at the hold horizon for the recommended count.","type":"number"},"recommendedSchedule":{"description":"Year-by-year tax schedule for the recommended share count.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars (in a state that taxed the spread at exercise, on the gain above that spread).","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"amti":{"description":"Federal alternative minimum taxable income (AMTI) for the year in dollars (Form 6251 line 4): ordinaryIncome, plus the standard deduction the AMT disallows (or itemizedTaxes for an itemizer), plus bargain.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"stateTaxOnSpread":{"description":"State tax on this year's bargain element at exercise in dollars, in a state that taxes an ISO spread at exercise (Pennsylvania); 0 elsewhere. Included in cashTax.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","amti","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","stateTaxOnSpread","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"},"recommendedShares":{"description":"Share count to exercise within the window, the best found by the scan.","type":"integer"}},"required":["recommendedShares","recommendedExerciseTax","recommendedNetValue","fullExerciseShares","fullExerciseTax","fullExerciseNetValue","holdYears","futureFmvPerShare","recommendedSchedule","curve"],"type":"object"},"effectiveHorizon":{"description":"Horizon actually used by the schedules: min(requested horizon, timing.maxHorizon).","type":"integer"},"schedules":{"description":"The three candidate exercise schedules, each evaluated at the effective horizon. Their nfv values are directly comparable; optimized is the highest-NFV schedule the optimizer found.","properties":{"evenSplit":{"description":"Exercise shares/horizon shares each year.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars (in a state that taxed the spread at exercise, on the gain above that spread).","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"amti":{"description":"Federal alternative minimum taxable income (AMTI) for the year in dollars (Form 6251 line 4): ordinaryIncome, plus the standard deduction the AMT disallows (or itemizedTaxes for an itemizer), plus bargain.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"stateTaxOnSpread":{"description":"State tax on this year's bargain element at exercise in dollars, in a state that taxes an ISO spread at exercise (Pennsylvania); 0 elsewhere. Included in cashTax.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","amti","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","stateTaxOnSpread","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"},"lumpSum":{"description":"Exercise all shares in year 1.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars (in a state that taxed the spread at exercise, on the gain above that spread).","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"amti":{"description":"Federal alternative minimum taxable income (AMTI) for the year in dollars (Form 6251 line 4): ordinaryIncome, plus the standard deduction the AMT disallows (or itemizedTaxes for an itemizer), plus bargain.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"stateTaxOnSpread":{"description":"State tax on this year's bargain element at exercise in dollars, in a state that taxes an ISO spread at exercise (Pennsylvania); 0 elsewhere. Included in cashTax.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","amti","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","stateTaxOnSpread","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"},"optimized":{"description":"The NFV-maximal per-year allocation found by the optimizer. The recommended plan.","properties":{"amtPremiumFV":{"description":"Future-valued AMT premium stream (exercise tax paid above the no-exercise baseline, compounded at cashReturnRate to the horizon) in dollars.","type":"number"},"baselineRegularTax":{"description":"Tax owed with no exercise at all (regular federal + state on ordinary income, summed across the horizon) in dollars.","type":"number"},"creditEarned":{"description":"Federal AMT credit generated across the horizon in dollars.","type":"number"},"creditRecovered":{"description":"Federal AMT credit recovered across the horizon in dollars.","type":"number"},"creditRemaining":{"description":"Federal AMT credit still unrecovered at the horizon in dollars.","type":"number"},"exerciseTax":{"description":"totalTax minus baselineRegularTax: the marginal tax cost of exercising, in dollars.","type":"number"},"federalLTCG":{"description":"Federal long-term capital gains tax (including NIIT) on grossGain in dollars.","type":"number"},"grossGain":{"description":"shares x (projected FMV at horizon - strike): the LTCG-eligible gain in dollars.","type":"number"},"label":{"description":"Which candidate plan this schedule represents.","enum":["lump_sum","even_split","optimized"],"type":"string"},"nfv":{"description":"After-tax Net Final Value at the horizon in dollars: grossGain - federalLTCG - stateLTCG - amtPremiumFV. This is the summary figure each schedule is scored on.","type":"number"},"stateLTCG":{"description":"State long-term capital gains tax on grossGain in dollars (in a state that taxed the spread at exercise, on the gain above that spread).","type":"number"},"totalTax":{"description":"Total cash tax paid across the horizon in dollars.","type":"number"},"years":{"description":"Per-year detail, one entry per year of the effective horizon.","items":{"description":"Exercise and tax detail for one calendar year of the schedule.","properties":{"amtOwedFederal":{"description":"Federal AMT owed above regular tax this year in dollars.","type":"number"},"amtOwedState":{"description":"State AMT owed above regular state tax this year in dollars.","type":"number"},"amti":{"description":"Federal alternative minimum taxable income (AMTI) for the year in dollars (Form 6251 line 4): ordinaryIncome, plus the standard deduction the AMT disallows (or itemizedTaxes for an itemizer), plus bargain.","type":"number"},"bargain":{"description":"Bargain element recognized this year in dollars: shares x (projected FMV - strike).","type":"number"},"cashTax":{"description":"Total cash tax paid this year in dollars: federal + state, net of credit recovery.","type":"number"},"creditRecovered":{"description":"Federal AMT credit applied (recovered) this year in dollars.","type":"number"},"regularFederal":{"description":"Regular federal income tax for the year in dollars (ordinary income only, before AMT).","type":"number"},"regularState":{"description":"Regular state income tax for the year in dollars.","type":"number"},"shares":{"description":"ISO shares exercised this year.","type":"number"},"stateTaxOnSpread":{"description":"State tax on this year's bargain element at exercise in dollars, in a state that taxes an ISO spread at exercise (Pennsylvania); 0 elsewhere. Included in cashTax.","type":"number"},"tmtFederal":{"description":"Federal tentative minimum tax for the year in dollars.","type":"number"},"tmtState":{"description":"State tentative minimum tax for the year in dollars (0 in states without AMT).","type":"number"},"year":{"description":"Schedule year, 1-indexed (1 = current year).","type":"integer"}},"required":["year","shares","bargain","amti","regularFederal","regularState","tmtFederal","tmtState","amtOwedFederal","amtOwedState","stateTaxOnSpread","creditRecovered","cashTax"],"type":"object"},"type":"array"}},"required":["label","years","totalTax","baselineRegularTax","exerciseTax","creditEarned","creditRecovered","creditRemaining","grossGain","federalLTCG","stateLTCG","amtPremiumFV","nfv"],"type":"object"}},"required":["lumpSum","evenSplit","optimized"],"type":"object"},"stateHasAmt":{"description":"True when the user state levies its own AMT (CA, CO, CT, MN).","type":"boolean"},"timing":{"description":"Timing constraints derived from grantDate and (when departed) terminationDate.","properties":{"daysUntilWindowClose":{"description":"Days until the post-termination exercise window closes (can be negative when already past); null while still employed.","type":["number","null"]},"exerciseWindowClose":{"description":"Post-termination exercise deadline (terminationDate + 90 days) as an ISO 8601 date-time string; null while still employed.","type":["string","null"]},"grantExpiration":{"description":"Grant expiration date: grantDate + 10 years (IRC 422 maximum ISO term). ISO 8601 date-time string.","type":"string"},"maxHorizon":{"description":"Maximum usable planning horizon in years (1..10), capped by grant expiration or the post-termination window.","type":"integer"},"qdEligibleDate":{"description":"Earliest qualifying-disposition date measured from grant: grantDate + 2 years. ISO 8601 date-time string.","type":"string"},"qdNotYetEligible":{"description":"True when grantDate + 2 years is still in the future (a sale today could not be a qualifying disposition).","type":"boolean"},"windowClosed":{"description":"True when the user departed and the 90-day exercise deadline has already passed.","type":"boolean"}},"required":["grantExpiration","qdEligibleDate","exerciseWindowClose","maxHorizon","daysUntilWindowClose","windowClosed","qdNotYetEligible"],"type":"object"}},"required":["crossoverShares","crossoverBargain","alreadyInAmt","schedules","stateHasAmt","bargainPerShare","timing","effectiveHorizon"],"type":"object"}⟨276 unchanged words⟩ , the tool uses the S&P 500 trailingaverageaverage;andifreportsvolatilitythatisinneither, the median implied volatility of the public companies OptionsAhoy covers as of the last close. Either way the result reports it (`assumptions`, plus a plain-language `assumptionNotice` stating it is a placeholder, not the user's view).Volatility has no default or fallback, and everyEvery field in `required` is a fact about the user's situation with no built-indefault: a call that neither supplies nor resolves volatility returns a required-field error naming the field;default; a number from any other source is accepted ⟨77 unchanged words⟩
⟨766 unchanged words⟩ internally (the drag formula is horizon-dependent).ThisResolution order: this valuemustifcomepassed,fromelse theuser`ticker`'sorimpliedfromvolatilityaas`ticker`ofthattheresolveslastitmarketasclose,ofelse thelast
⟨476 unchanged words⟩ slice: a dollar amount taxed at onerate.rate, or one state adjustment row (when `detail` is present).","properties":{"amount":{"description":"Dollars of gain in this slice.","type":"number"},"detail":{"description":"Present only on an adjustment row (rate and amount 0): what the state brackets alone do not explain, such as deductions phasing out, add-ons and credits.","type":"string"},"label":{"description":"Tax line label, ⟨28 unchanged words⟩ "description":"Tax in dollars: amount xrate.rate, or the adjustment itself when `detail` is present.","type":"number"}},"required": ⟨127 unchanged words⟩ slice: a dollar amount taxed at onerate.rate, or one state adjustment row (when `detail` is present).","properties":{"amount":{"description":"Dollars of gain in this slice.","type":"number"},"detail":{"description":"Present only on an adjustment row (rate and amount 0): what the state brackets alone do not explain, such as deductions phasing out, add-ons and credits.","type":"string"},"label":{"description":"Tax line label, ⟨28 unchanged words⟩ "description":"Tax in dollars: amount xrate.rate, or the adjustment itself when `detail` is present.","type":"number"}},"required": ⟨233 unchanged words⟩
⟨216 unchanged words⟩ , the tool uses the S&P 500 trailingaverageaverage;andifreportsvolatilitythatisinneither, the median implied volatility of the public companies OptionsAhoy covers as of the last close. Either way the result reports it (`assumptions`, plus a plain-language `assumptionNotice` stating it is a placeholder, not the user's view).Volatility has no default or fallback, and everyEvery field in `required` is a fact about the user's situation with no built-indefault: a call that neither supplies nor resolves volatility returns a required-field error naming the field;default; a number from any other source is accepted ⟨77 unchanged words⟩
⟨655 unchanged words⟩ internally, and the correct formula is horizon-dependent.ThisResolution order: this valuemustifcomepassed,fromelse theuser`ticker`'sorimpliedfromvolatilityaas`ticker`ofthattheresolveslastitmarketasclose,ofelse thelast
⟨188 unchanged words⟩ , the tool uses the S&P 500 trailingaverageaverage;andifreportsvolatilitythatisinneither, the median implied volatility of the public companies OptionsAhoy covers as of the last close. Either way the result reports it (`assumptions`, plus a plain-language `assumptionNotice` stating it is a placeholder, not the user's view).Volatility has no default or fallback, and everyEvery field in `required` is a fact about the user's situation with no built-indefault: a call that neither supplies nor resolves volatility returns a required-field error naming the field;default; a number from any other source is accepted ⟨77 unchanged words⟩
⟨562 unchanged words⟩ internally, and the correct formula is horizon-dependent.ThisResolution order: this valuemustifcomepassed,fromelse theuser`ticker`'sorimpliedfromvolatilityaas`ticker`ofthattheresolveslastitmarketasclose,ofelse thelast
⟨261 unchanged words⟩ "market" for the S&P 500 trailing average.ThoseIfthreegrowth/return/saleareprice is neither supplied nor resolved, theonlytoolsources:usesneitherthefieldS&Phas500 trailing average and reports that in the result (`assumptions`, plus adefaultplain-languageor`assumptionNotice` stating it is afallbackplaceholder,estimatenot the user's view). Volatility has no default or fallback, and every field in `required` islikewisea fact about the user's situation with no built-indefault.default:Aa call that neither supplies nor resolvesgrowth orvolatility returns a required-field error naming the field; ⟨85 unchanged words⟩
⟨245 unchanged words⟩ the stack's `volatility` or `defaultVolatility`). Omitting growthis(withannoerrorticker that resolves it) assumes the S&P 500 trailing average,notdisclosed in `assumptions`/`assumptionNotice`, never a silent flat default; pass 0 to model flat prices ⟨93 unchanged words⟩
⟨138 unchanged words⟩ "market\" for the S&P 500 trailing average.RequiredUsed with `lots`: pass 0 for a deliberately flat-priceplanplan;(omittingif omitted itisfallsanbackerrorto the S&P 500 trailing average,notdisclosed in `assumptions` (never a silent flat default). Each future year's projected price ⟨446 unchanged words⟩ decline; pass 0 for a deliberately flat-price plan.RequiredIfunlessomitted and `ticker`resolvesdoesit;notomittingresolve it,isfallsanbackerrorto the S&P 500 trailing average,notdisclosed in `assumptions` (never a silent flatdefault.default).","type":["number","string"]} ⟨437 unchanged words⟩
⟨201 unchanged words⟩ "market" for the S&P 500 trailing average.ThoseIfthreegrowth/return/saleareprice is neither supplied nor resolved, theonlytoolsources:usesneitherthefieldS&Phas500 trailing average and reports that in the result (`assumptions`, plus adefaultplain-languageor`assumptionNotice` stating it is afallbackplaceholder,estimatenot the user's view). Volatility has no default or fallback, and every field in `required` islikewisea fact about the user's situation with no built-indefault.default:Aa call that neither supplies nor resolvesgrowth orvolatility returns a required-field error naming the field; ⟨85 unchanged words⟩
⟨173 unchanged words⟩ "market" for the S&P 500 trailing average.ThoseIfthreegrowth/return/saleareprice is neither supplied nor resolved, theonlytoolsources:usesneitherthefieldS&Phas500 trailing average and reports that in the result (`assumptions`, plus adefaultplain-languageor`assumptionNotice` stating it is afallbackplaceholder,estimatenot the user's view). Volatility has no default or fallback, and every field in `required` islikewisea fact about the user's situation with no built-indefault.default:Aa call that neither supplies nor resolvesgrowth orvolatility returns a required-field error naming the field; ⟨85 unchanged words⟩