Optionsahoy MCP

OptionsAhoy MCP Server

Independently verified by third parties. [Glama](https://glama.ai/mcp/servers/AlvisoOculus/optionsahoy-mcp): third-party MCP-directory quality score (tool docs, behavior, completeness). · [npm](https://www.npmjs.com/package/optionsahoy-mcp): published with build provenance, a signed SLSA attestation that this package was built from this repo by GitHub Actions (verify with npm audit signatures). · [MCPSafe](https://mcpsafe.io/scan/pubfast497de7f7a5466f2a414a): independent 5-model-consensus security scan (AIVSS), Grade A with zero findings.

Validated against trusted sources (checks we run ourselves, against references we do not control, and that you can reproduce). [Computation](https://optionsahoy.com/verification): every 2026 federal tax constant matches its IRS Rev. Proc. 2025-32 / Internal Revenue Code value, and 14 worked federal cases (ordinary income, long-term capital gains, and the Alternative Minimum Tax including the incentive stock option bargain element) reproduce to the cent against the independently-maintained PSL Tax-Calculator, a tax model we did not write. State income tax is cross-checked the same way: 16 cases across California, New York, New Jersey, Pennsylvania, and Massachusetts reproduce to the cent against OpenTaxSolver, an independent state tax engine we also did not write. The headline answer is recomputed live in your browser.

Tested and hardened. Input safety: requests are validated against the published schema; bad inputs return a clear 400 with the offending field named, never a crash or a wrong number, and the live API is re-checked by a robustness suite after every deploy. · Test suite: the calculation engine is covered by more than a thousand automated tests across the federal and 50-state tax logic, AMT credit recovery, and option pricing; a failing test blocks the release.

Live usage: MCP calls over the last 30 days, served straight from the server's own telemetry (/api/v1/stats, aggregate counts only, no PII).

Deterministic equity-compensation tax math that any Model Context Protocol (MCP) client can call: incentive stock option (ISO) exercise schedules under the alternative minimum tax (AMT), non-qualified stock option (NSO) and restricted stock unit (RSU) decisions, qualified small business stock (QSBS) qualification, single-stock concentration, protective-put hedging, and equity-funding goals. Relevant federal tax code plus all 50 states and DC, 2026 brackets. Built by AlphaLatitude Inc., the company behind OptionsAhoy.

Why not just ask the model? We benchmarked five frontier large language models (LLMs), 3 runs each, 15 trials total, on the same multi-year ISO exercise problem. Every trial overstated the after-tax result of its own proposed schedule, by 2x to 20x. Multi-year scheduling has a search space larger than is practical to work through in-context; these tools return the verifiable answer instead. Live benchmark, updated for the latest models: optionsahoy.com/benchmark. Raw responses and scoring: llm-iso-benchmark. Full write-up: But can it do taxes though?

Install in one line

The hosted endpoint is https://optionsahoy.com/mcp (HTTP, no auth, no account). Quickest paths:

Full install matrix (Gemini CLI extension, config-file JSON, REST API, Google Cloud Agent Registry): optionsahoy.com/for-agents.

The eight tools

The ISO optimizer searches its full discretized candidate space and refines share by share, matching a brute-force maximum to the cent on a published tractable case (see the proof); the planners run deterministic bracket-aware searches and the calculators return exact results. Deterministic computation, not a language-model guess. Coverage spans the relevant federal tax code (ordinary brackets, long-term capital gains, AMT with credit recovery, FICA, NIIT) plus all 50 states and DC (state ordinary brackets, LTCG treatment, state AMT for CA, CO, CT, MN). Same engine as the in-browser calculators at optionsahoy.com/tools; the API response carries the same computed figures as clicking through the tool.

What a call looks like (all eight tools)

One real call per tool, captured from https://optionsahoy.com/mcp and committed under docs/examples/, so every figure below is auditable against the response it came from. The inputs are deliberately explicit (no ticker, every date pinned), so re-running scripts/capture-readme-examples.mts reproduces the same numbers. Each block shows the ask, the arguments that carry the scenario, and what came back.

amt_iso_optimize

*"I have 50,000 vested ISOs at a $4 strike and the stock is at $90. Married filing jointly, $300,000 of income, California. Should I exercise the whole block now or spread it out?"*

{"shares": 50000, "strike": 4, "fmv": 90, "horizon": 4, "filingStatus": "married_joint",

"ordinaryIncome": 300000, "stateCode": "CA", "grantDate": "2023-03-15", "expectedGrowth": 0.1, "volatilityDrag": 0.2, "cashReturnRate": 0.05, …}

The optimized schedule exercises 1,401 / 1,339 / 1,280 / 45,980 shares across the four years and ends at a net final value of $1,623,234, against $1,565,849 for exercising the whole block today. The AMT crossover sits at 699 shares: the first $60,185 of bargain element costs no AMT at all. (raw; the same position as the site's published worked example, priced with the explicit growth and drag above)

nso_calculate

*"5,000 NSOs at an $8 strike, stock at $75. Do I sell at exercise or hold a year for long-term gains? Single, $250,000 income, California."*

{"shares": 5000, "strike": 8, "currentPrice": 75, "expectedSalePrice": 90, "holdYears": 1,

"holdFunding": "sell-to-cover", "volatility": 0.3, "ordinaryIncome": 250000, "filingStatus": "single", "stateCode": "CA", …}

The exercise itself is a $335,000 bargain element taxed $159,618, leaving $175,382 if you sell everything on the spot. Holding a year with a sell-to-cover projects $193,943 against $184,209 for selling now and investing the proceeds, a $9,734 edge for holding. (raw)

rsu_sell_vs_hold

*"1,000 RSUs vesting at $200. Sell at vest or hold another year and a half? Married filing jointly, $300,000 income, New York."*

{"shares": 1000, "currentPrice": 200, "expectedSalePrice": 220, "holdYears": 1.5,

"volatility": 0.25, "ordinaryIncome": 300000, "filingStatus": "married_joint", "stateCode": "NY", "stillEmployed": true, …}

The vest costs $73,896 in total tax, of which $55,716 is federal against only $44,000 withheld at the flat supplemental rate: that gap is the April bill people do not see coming. Selling at vest and investing projects $136,247 at the end of that hold versus $130,817 for holding, so holding loses $5,430 here. (raw)

concentration_analyze

*"$750,000 of my $2.25M is in one tech stock I bought in 2022 for $150,000. How exposed am I, and what does selling down cost?"*

{"positionValue": 750000, "costBasis": 150000, "acquisitionDate": "2022-01-15",

"sector": "tech_software", "totalAssets": 2250000, "expectedPositionReturn": 0.12, "volatility": 0.35, "ordinaryIncome": 350000, "filingStatus": "single", "stateCode": "CA", …}

The position is 33% of net worth, which the tool bands as "Concentrated", and a 50% drawdown in that one name would cost $375,000. Selling it down over three years pays $196,709 in tax against $208,368 for selling in a single year. (raw)

protective_put_price

*"I want downside protection on a $500,000 tech position for a year, with a floor about 20% below spot. Put, collar, or put spread?"*

{"positionValue": 500000, "sector": "tech_software", "volatility": 0.35,

"protectionLevel": 0.2, "tenorYears": 1, "spreadRiskLevel": 0.1, "expectedReturn": 0.08}

A bare put struck at $400,000 costs $19,348 a year, 3.87% of the position. The zero-cost collar buys the same floor for a net premium of roughly zero by capping upside at $724,518, which it puts a 15.7% chance on reaching, and that is the structure it recommends. (raw) This call passes an explicit sigma, so every leg prices at that one number; pass a ticker instead and each leg prices at its own strike's implied volatility off that stock's listed option chain as of the last close, which costs more for a floor this far out of the money.

qsbs_check

***"I bought founder stock in March 2020 and I am selling in March 2026 for a $5M