savvly

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['age'], 'properties': {'age': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': "Person's current age"}, 'channel': {'enum': ['individual', 'employer', 'advisor'], 'type': 'string', 'default': 'individual', 'description': "Distribution channel — one of 'individual', 'employer', 'advisor' (default 'individual')."}, 'us_resident': {'type': 'boolean', 'default': True, 'description': 'Whether the person is a US resident'}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['eligible', 'age_eligible', 'residency_eligible', 'channel', 'criteria', 'message'], 'properties': {'channel': {'enum': ['individual', 'employer', 'advisor'], 'type': 'string', 'description': 'Distribution channel under consideration for this check.'}, 'message': {'type': 'string', 'description': 'Human-readable explanation of the eligibility outcome.'}, 'criteria': {'type': 'object', 'properties': {}, 'description': 'Full eligibility-criteria reference object (age range, residency, accredited-investor flag, channel requirements).', 'additionalProperties': True}, 'eligible': {'type': 'boolean', 'description': 'True if every eligibility criterion (age + residency) is satisfied.'}, 'age_eligible': {'type': 'boolean', 'description': 'True if age is at or under the maximum enrollment age (75); the filing sets no minimum age.'}, 'residency_eligible': {'type': 'boolean', 'description': 'True if the US-residency requirement is satisfied.'}}, 'additionalProperties': True}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'alternative': {'enum': ['fixed_annuity', 'variable_annuity', 'indexed_annuity', 'target_date_fund', 'managed_payout_fund', 'all'], 'type': 'string', 'default': 'all', 'description': "Which product type to compare Savvly against. Use EXACTLY one of: 'fixed_annuity', 'variable_annuity', 'indexed_annuity', 'target_date_fund', 'managed_payout_fund', or 'all' for the full matrix. Pick a SPECIFIC annuity subtype — there is no generic 'annuity'."}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['savvly', 'metadata'], 'properties': {'savvly': {'type': 'object', 'properties': {'liquidity': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'simplicity': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'portability': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'affordability': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'cost_to_value': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'death_benefit': {'type': 'string', 'description': 'Death-benefit summary.'}, 'market_upside': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'tax_treatment': {'type': 'string', 'description': 'Tax-treatment summary.'}, 'counterparty_safety': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'inflation_protection': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'longevity_protection': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'regulatory_oversight': {'type': 'string', 'description': 'Who regulates it (e.g. SEC vs state insurance).'}}, 'description': "Savvly's profile across the comparison dimensions.", 'additionalProperties': True}, 'metadata': {'type': 'object', 'properties': {'version': {'type': 'string', 'description': 'Comparison data version.'}, 'disclaimer': {'type': 'string', 'description': 'Required disclaimer.'}}, 'description': 'Comparison dimensions, definitions, and source notes.', 'additionalProperties': True}, 'comparison': {'type': 'object', 'required': ['product_type'], 'properties': {'category': {'type': 'string', 'description': 'Product category.'}, 'dimensions': {'type': 'object', 'properties': {'liquidity': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'simplicity': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'portability': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'affordability': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'cost_to_value': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'death_benefit': {'type': 'string', 'description': 'Death-benefit summary.'}, 'market_upside': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'tax_treatment': {'type': 'string', 'description': 'Tax-treatment summary.'}, 'counterparty_safety': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'inflation_protection': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'longevity_protection': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'regulatory_oversight': {'type': 'string', 'description': 'Who regulates it (e.g. SEC vs state insurance).'}}, 'description': "This alternative's ratings across the dimensions.", 'additionalProperties': True}, 'description': {'type': 'string', 'description': 'Short description of the alternative.'}, 'display_name': {'type': 'string', 'description': 'Human-readable product name.'}, 'product_type': {'type': 'string', 'description': "Alternative product slug, e.g. 'fixed_annuity'."}}, 'description': "The selected alternative product's profile. Present when `alternative` is a specific product type (i.e. not 'all').", 'additionalProperties': True}, 'comparisons': {'type': 'array', 'items': {'type': 'object', 'required': ['product_type'], 'properties': {'category': {'type': 'string', 'description': 'Product category.'}, 'dimensions': {'type': 'object', 'properties': {'liquidity': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'simplicity': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'portability': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'affordability': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'cost_to_value': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'death_benefit': {'type': 'string', 'description': 'Death-benefit summary.'}, 'market_upside': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'tax_treatment': {'type': 'string', 'description': 'Tax-treatment summary.'}, 'counterparty_safety': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'inflation_protection': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'longevity_protection': {'type': 'object', 'required': ['score', 'label', 'explanation'], 'properties': {'label': {'type': 'string', 'description': 'Rating label: None | Very Low | Low | Medium | High | Very High.'}, 'score': {'type': 'number', 'description': 'Numeric rating; greater = better (e.g. 1–5).'}, 'explanation': {'type': 'string', 'description': 'One-sentence rationale for the rating.'}}, 'additionalProperties': True}, 'regulatory_oversight': {'type': 'string', 'description': 'Who regulates it (e.g. SEC vs state insurance).'}}, 'description': "This alternative's ratings across the dimensions.", 'additionalProperties': True}, 'description': {'type': 'string', 'description': 'Short description of the alternative.'}, 'display_name': {'type': 'string', 'description': 'Human-readable product name.'}, 'product_type': {'type': 'string', 'description': "Alternative product slug, e.g. 'fixed_annuity'."}}, 'additionalProperties': True}, 'description': "Full comparison matrix — one entry per alternative product type. Present when `alternative` is 'all'."}}, 'additionalProperties': True}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'section': {'enum': ['all', 'understanding-savvly', 'investment-custody', 'payouts', 'withdrawals-estate', 'expenses-cost', 'tax-legacy', 'employer-portability', 'safety-regulatory'], 'type': 'string', 'default': 'all', 'description': "Filter the FAQ to one section (kebab-case, e.g. 'tax-legacy'); 'all' returns every entry."}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['section', 'total', 'entries'], 'properties': {'total': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': 'Count of FAQ entries returned.'}, 'entries': {'type': 'array', 'items': {'type': 'object', 'required': ['id', 'audience', 'section', 'question', 'answer', 'footnotes'], 'properties': {'id': {'type': 'string'}, 'answer': {'type': 'string'}, 'section': {'type': 'string'}, 'audience': {'enum': ['employee', 'advisor', 'broker', 'employer', 'universal', 'general'], 'type': 'string'}, 'keywords': {'type': 'array', 'items': {'type': 'string'}}, 'question': {'type': 'string'}, 'footnotes': {'type': 'array', 'items': {'type': 'string'}}}, 'additionalProperties': True}, 'description': "Filtered FAQ entries (the audience:'general' Q&A slice)."}, 'section': {'type': 'string', 'description': "Section filter applied to produce this result set ('all' if no filter)."}}, 'additionalProperties': True}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'section': {'enum': ['all', 'overview', 'regulatory', 'investment', 'expenses', 'payouts', 'tax', 'distribution'], 'type': 'string', 'default': 'all', 'description': "Which part of the product profile to focus the text on — one of 'all', 'overview', 'regulatory', 'investment', 'expenses', 'payouts', 'tax', 'distribution' (default 'all'). The full overview card always renders regardless."}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['name', 'category'], 'properties': {'name': {'type': 'string', 'description': "Product name (e.g. 'Savvly Longevity Benefit')."}, 'links': {'type': 'object', 'properties': {}, 'description': 'Relevant URLs (website, disclosures, etc.).', 'additionalProperties': True}, 'company': {'type': 'object', 'properties': {}, 'description': 'Issuer / advisor entity information.', 'additionalProperties': True}, 'tagline': {'type': 'string', 'description': 'Short marketing tagline.'}, 'category': {'type': 'string', 'description': "Product category slug, e.g. 'longevity_benefit_fund'."}, 'channels': {'type': 'array', 'items': {}, 'description': 'Distribution channels through which Savvly is offered.'}, 'expenses': {'type': 'object', 'properties': {}, 'description': 'Expense structure in basis points (common vs tracking shares) and the blended range; illustrations are net of expenses.', 'additionalProperties': True}, 'investment': {'type': 'object', 'properties': {}, 'description': 'How contributions are invested: underlying assets (S&P 500 ETF), asset managers, minimum/maximum monthly and lump-sum amounts, market participation.', 'additionalProperties': True}, 'next_steps': {'type': 'object', 'properties': {}, 'description': 'Suggested next actions for an interested investor.', 'additionalProperties': True}, 'regulatory': {'type': 'object', 'properties': {}, 'description': 'Regulatory status: SEC registration, Investment Company Act of 1940, advisor, custodian, and is_insurance/is_annuity flags.', 'additionalProperties': True}, 'description': {'type': 'string', 'description': 'Long-form product description.'}, 'disclaimers': {'type': 'object', 'properties': {}, 'description': 'SEC-style disclaimers and required legal language.', 'additionalProperties': True}, 'portability': {'type': 'boolean', 'description': 'Whether the position is portable.'}, 'tax_treatment': {'type': 'object', 'properties': {}, 'description': 'Tax treatment of payouts and contributions.', 'additionalProperties': True}, 'longevity_pool': {'type': 'object', 'properties': {}, 'description': "How the longevity pool works — exited participants' unused shares may be allocated to remaining participants.", 'additionalProperties': True}, 'payout_schedule': {'type': 'array', 'items': {'type': 'object', 'required': ['age', 'percentage'], 'properties': {'age': {'type': 'number', 'description': 'Milestone age (80, 85, 90, or 95).'}, 'label': {'type': 'string', 'description': "Human label, e.g. 'First milestone'."}, 'percentage': {'type': 'number', 'description': 'Fraction of accumulated value distributed at this milestone (e.g. 0.4).'}, 'description': {'type': 'string', 'description': 'What happens at this milestone.'}}, 'additionalProperties': True}, 'description': 'Milestone payout schedule at ages 80/85/90/95.'}, 'early_withdrawal': {'type': 'object', 'properties': {}, 'description': 'Early-withdrawal / surrender terms and the value returned to the estate.', 'additionalProperties': True}, 'portability_note': {'type': 'string', 'description': 'Detail on portability.'}, 'illustrative_payout': {'type': 'object', 'required': ['current_age', 'funding_amount', 'average_return', 'payouts'], 'properties': {'payouts': {'type': 'array', 'items': {'type': 'object', 'required': ['age', 'lower_usd', 'upper_usd'], 'properties': {'age': {'type': 'number', 'description': 'Milestone age (80, 85, 90, or 95).'}, 'lower_usd': {'type': 'number', 'description': 'USD. Low end of the modeled payout at this age.'}, 'upper_usd': {'type': 'number', 'description': 'USD. High end of the modeled payout at this age.'}}, 'additionalProperties': True}, 'description': 'One row per milestone age, low-to-high payout range in USD.'}, 'current_age': {'type': 'number', 'description': 'Age the illustrated allocation is made at.'}, 'average_return': {'type': 'number', 'description': 'Assumed average annual S&P 500 return, in percent.'}, 'funding_amount': {'type': 'number', 'description': 'USD allocated up front in the illustration.'}}, 'description': "One worked example of what the schedule pays: the modeled payout RANGE at each milestone age for a single fixed allocation, so the percentages above have dollar figures beside them. Fixed inputs, identical for every caller — hypothetical, not a quote, and not tailored to the user. For the user's own age and amount, call `project_savvly_lumpsum`.", 'additionalProperties': True}, 'positioning_statement': {'type': 'string', 'description': 'One-sentence positioning — what Savvly is and is NOT (not insurance, not an annuity).'}}, 'additionalProperties': True}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'current_age': {'type': 'integer', 'default': 40, 'maximum': 75, 'minimum': 18, 'description': 'Current age (default 40)'}, 'inflation_rate': {'type': 'number', 'default': 3, 'description': 'Expected annual inflation rate % (default 3)'}, 'retirement_age': {'type': 'integer', 'default': 68, 'maximum': 80, 'minimum': 50, 'description': 'Planned retirement age (default 68)'}, 'life_expectancy': {'type': 'integer', 'default': 100, 'maximum': 120, 'minimum': 60, 'description': 'Planning horizon (default 100)'}, 'monthly_paycheck': {'type': 'number', 'default': 4500, 'minimum': 0, 'description': 'Desired monthly retirement paycheck in USD (default 4500)'}, 'monthly_contribution': {'type': 'number', 'default': 1000, 'minimum': 0, 'description': 'Monthly retirement contribution in USD (default 1000)'}, 'percentage_in_savvly': {'type': 'number', 'default': 5, 'maximum': 50, 'minimum': 0, 'description': 'Percentage of the retirement portfolio allocated to Savvly (default 5)'}, 'pre_retirement_return': {'type': 'number', 'default': 6, 'description': 'Expected pre-retirement annual return % (default 6)'}, 'annual_income_increase': {'type': 'number', 'default': 2, 'maximum': 20, 'minimum': 0, 'description': 'Annual contribution % increase (default 2)'}, 'post_retirement_return': {'type': 'number', 'default': 5, 'description': 'Expected post-retirement annual return % (default 5)'}, 'other_retirement_income': {'type': 'number', 'default': 1600, 'minimum': 0, 'description': 'Other monthly retirement income in USD (default 1600)'}, 'current_retirement_savings': {'type': 'number', 'default': 60000, 'minimum': 0, 'description': 'Current total retirement savings in USD (default 60000)'}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['inputs', 'result', 'summary', 'disclosure', 'metadata'], 'properties': {'inputs': {'type': 'object', 'propertyNames': {'type': 'string'}, 'additionalProperties': True}, 'result': {'type': 'object', 'required': ['gap_score', 'possible_higher_monthly_paycheck', 'label_message', 'label_secondary_message', 'age_dependent_values'], 'properties': {'gap_score': {'type': 'number', 'description': 'Server-computed score summarizing how well the projected retirement savings meet the desired monthly paycheck across the planning horizon.'}, 'label_message': {'type': 'string', 'description': 'Short headline message the upstream estimator produced for this scenario (e.g., on-track / shortfall framing).'}, 'age_dependent_values': {'type': 'array', 'items': {'type': 'object', 'required': ['age', 'retirement_savings_without_savvly_in_the_portfolio', 'retirement_savings_with_savvly_in_the_portfolio', 'difference_between_retirement_savings_with_and_without_savvly_in_the_portfolio', 'savvly_value_alone'], 'properties': {'age': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': 'Age (years) the row reports.'}, 'savvly_value_alone': {'type': 'number', 'description': 'USD. Standalone value attributable to the Savvly allocation at this age, excluding the rest of the retirement portfolio.'}, 'retirement_savings_with_savvly_in_the_portfolio': {'type': 'number', 'description': 'USD. Projected total retirement savings at this age in the scenario WITH the configured Savvly allocation included in the portfolio.'}, 'retirement_savings_without_savvly_in_the_portfolio': {'type': 'number', 'description': 'USD. Projected total retirement savings at this age in the scenario WITHOUT any Savvly allocation — pure traditional retirement portfolio.'}, 'difference_between_retirement_savings_with_and_without_savvly_in_the_portfolio': {'type': 'number', 'description': 'USD. `retirement_savings_with_savvly − retirement_savings_without_savvly` for this age. Positive once Savvly milestones start paying out.'}}, 'additionalProperties': True}, 'description': 'Per-age timeline across the planning horizon (current_age → life_expectancy). One row per year.'}, 'label_secondary_message': {'type': 'string', 'description': 'Supporting subtitle that accompanies `label_message`.'}, 'possible_higher_monthly_paycheck': {'type': 'number', 'description': "USD/month. The monthly paycheck level the simulation considers achievable under the supplied assumptions — useful for surfacing alongside the user's `desired_monthly_paycheck`."}}, 'additionalProperties': True}, 'summary': {'type': 'object', 'required': ['narrative'], 'properties': {'narrative': {'type': 'string', 'description': 'Human-readable English sentence. Always ends with the canonical full-disclosures URL so AI clients that paraphrase past `metadata.disclaimer` still echo the disclosure link.'}}, 'description': 'Convenience summary. The narrative carries the canonical full-disclosures URL inline; display it verbatim alongside any figures from this response.', 'additionalProperties': False}, 'metadata': {'type': 'object', 'required': ['disclaimer', 'field_descriptions'], 'properties': {'disclaimer': {'type': 'object', 'required': ['summary', 'assumptions', 'risks', 'fund_structure', 'full_disclosures_url'], 'properties': {'risks': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'text'], 'properties': {'name': {'type': 'string'}, 'text': {'type': 'string'}}, 'additionalProperties': False}, 'description': 'Named risks (Market, Sequence-of-Returns, Longevity, Redemption Impact). Surface when a user asks what could cause actual results to differ.'}, 'summary': {'type': 'string', 'description': 'Short illustrative-purposes disclaimer matching the text directly below the chart on estimator.savvly.com. Surface this whenever you summarize the projection to a user.'}, 'assumptions': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 3% early-withdrawal rate, net of fund operating expenses, etc.). Surface when a user asks what the projection assumes.'}, 'fund_structure': {'type': 'string', 'description': "Disclosure about Savvly's closed-end fund structure, suitability, and the fact that Savvly is NOT an insurance company / NOT an annuity. Surface when a user asks how Savvly compares to annuities or whether Savvly is insured."}, 'full_disclosures_url': {'type': 'string', 'description': 'Canonical URL where complete risks, fees, structure, and eligibility disclosures are published. Always include in user-facing summaries.'}}, 'additionalProperties': False}, 'display_hints': {'type': 'object', 'required': ['chart', 'layout', 'rendering_notes'], 'properties': {'chart': {'type': 'object', 'required': ['type', 'reference', 'x_axis', 'y_axis', 'series', 'interpolation', 'show_markers', 'tooltip'], 'properties': {'type': {'type': 'string', 'const': 'area'}, 'series': {'type': 'array', 'items': {'type': 'object', 'required': ['field', 'label', 'color', 'fill'], 'properties': {'fill': {'type': 'string'}, 'color': {'type': 'string'}, 'field': {'type': 'string'}, 'label': {'type': 'string'}}, 'additionalProperties': False}}, 'x_axis': {'type': 'object', 'required': ['field', 'label'], 'properties': {'field': {'type': 'string'}, 'label': {'type': 'string'}}, 'additionalProperties': False}, 'y_axis': {'type': 'object', 'required': ['label', 'format'], 'properties': {'label': {'type': 'string'}, 'format': {'type': 'string'}}, 'additionalProperties': False}, 'tension': {'type': 'number'}, 'tooltip': {'type': 'object', 'propertyNames': {'type': 'string'}, 'additionalProperties': {'type': 'string'}}, 'reference': {'type': 'string'}, 'show_markers': {'type': 'boolean'}, 'interpolation': {'type': 'string'}}, 'additionalProperties': True}, 'layout': {'type': 'object', 'required': ['above_chart', 'below_chart'], 'properties': {'above_chart': {'type': 'string'}, 'below_chart': {'type': 'string'}}, 'additionalProperties': False}, 'rendering_notes': {'type': 'array', 'items': {'type': 'string'}}}, 'description': 'Rendering guidance for the retirement projection chart. Tells AI clients to render `age_dependent_values` as a stacked area chart matching estimator.savvly.com — MILD smoothing (Chart.js tension 0.4), no markers, so Savvly milestone payouts at ages 80/85/90/95 still read as distinct spikes with visible year-by-year depletion between them. KPI cards above and a narrative paragraph below the chart are encouraged.', 'additionalProperties': False}, 'field_descriptions': {'type': 'object', 'propertyNames': {'type': 'string'}, 'additionalProperties': {'type': 'string'}}}, 'additionalProperties': True}, 'disclosure': {'type': 'object', 'required': ['required', 'text', 'url'], 'properties': {'url': {'type': 'string', 'description': 'Canonical full-disclosures URL. Render as a clickable link to the user alongside the `text`. Required by SEC Marketing Rule and FINRA Rule 2210.'}, 'text': {'type': 'string', 'description': 'Short verbatim SEC disclosure text. Display this string to the user alongside any projection figures from this response. Do not paraphrase, summarize, or omit.'}, 'required': {'type': 'boolean', 'const': True, 'description': 'Always true. Signals to the calling AI client that the `text` and `url` fields MUST be displayed to the end user whenever any number from this response is shown. Required by SEC Marketing Rule and FINRA Rule 2210.'}}, 'description': 'DISCLOSURE REQUIRED: display `disclosure.text` and link `disclosure.url` to the user whenever you present any number from this response. Required by SEC Marketing Rule and FINRA Rule 2210.', 'additionalProperties': False}, 'visualization': {'type': 'object', 'required': ['recommended', 'instruction', 'chart'], 'properties': {'chart': {'type': 'object', 'required': ['type', 'x_axis', 'y_axis', 'series', 'rendering_notes'], 'properties': {'type': {'enum': ['area', 'line', 'bar'], 'type': 'string', 'description': 'Chart type the client should render.'}, 'series': {'type': 'array', 'items': {'type': 'object', 'required': ['field', 'label', 'color'], 'properties': {'color': {'type': 'string', 'description': 'Hex color for this series. The series representing Savvly is always #3478eb (the Savvly brand blue).'}, 'field': {'type': 'string', 'description': 'Per-row field plotted by this series.'}, 'label': {'type': 'string', 'description': 'Legend label for this series.'}}, 'additionalProperties': True}, 'description': 'One entry per plotted series — typically Savvly vs. the baseline / market-alone counterfactual.'}, 'x_axis': {'type': 'object', 'required': ['field', 'label'], 'properties': {'field': {'type': 'string'}, 'label': {'type': 'string'}}, 'description': 'Per-row field mapped to the x-axis, plus its display label.', 'additionalProperties': True}, 'y_axis': {'type': 'object', 'required': ['label', 'format'], 'properties': {'label': {'type': 'string'}, 'format': {'type': 'string'}}, 'description': "Y-axis label and value format (e.g. 'currency_usd').", 'additionalProperties': True}, 'tooltip': {'type': 'object', 'description': 'Optional `field -> human label` map for chart tooltips.', 'propertyNames': {'type': 'string'}, 'additionalProperties': {'type': 'string'}}, 'reference': {'type': 'string', 'description': 'Canonical Savvly visualization this chart mirrors.'}, 'rendering_notes': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Plain-English rendering guidance for the client.'}}, 'description': 'Machine-readable chart spec: type, axes, series (with brand colors), and rendering notes.', 'additionalProperties': True}, 'instruction': {'type': 'string', 'description': 'Plain-English instruction telling the client to render `chart` from the per-row data in `result`, color the Savvly series #3478eb, and show the `disclosure` alongside the chart.'}, 'recommended': {'type': 'boolean', 'const': True, 'description': 'Always true. Signals to the calling AI client that it SHOULD render `chart` whenever it can display a graph.'}}, 'description': 'Recommended chart for this projection — a year-by-year area chart of `result.age_dependent_values` (savings with vs. without Savvly). Render it when the surface can display a graph. The richer `metadata.display_hints` block carries the same chart plus layout/tooltip detail.', 'additionalProperties': True}}, 'additionalProperties': True}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'current_age': {'type': 'integer', 'default': 40, 'maximum': 75, 'minimum': 18, 'description': "Investor's current age (default 40). Min 18 (the projection matrix floor); max 75 (max enrollment age)"}, 'average_return': {'type': 'integer', 'default': 8, 'maximum': 15, 'minimum': 1, 'description': 'Expected average annual S&P 500 return % (default 8)'}, 'funding_amount': {'type': 'number', 'default': 10000, 'minimum': 100, 'description': 'Lump sum investment in USD (default 10000)'}, 'withdrawal_age': {'type': 'integer', 'default': 82, 'maximum': 120, 'minimum': 18, 'description': 'Early-withdrawal age (default 82) — drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response'}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['inputs', 'result', 'summary', 'disclosure', 'metadata'], 'properties': {'inputs': {'type': 'object', 'description': 'Echo of the validated input arguments passed to the tool.', 'propertyNames': {'type': 'string'}, 'additionalProperties': True}, 'result': {'type': 'object', 'required': ['total_savvly_upside_lower', 'total_savvly_upside_upper', 'total_savvly_lower', 'total_savvly_upper', 'total_market_alone_lower', 'total_market_alone_upper', 'early_withdrawal_value', 'total_payout_at_withdrawal_age_lower', 'total_payout_at_withdrawal_age_upper', 'percentage_gain_lower', 'percentage_gain_upper', 'payout_age_dependent_values'], 'properties': {'total_savvly_lower': {'type': 'number', 'description': 'USD. Lower bound of the total cumulative payout with Savvly across all milestone ages assuming the investor stays in to the final modeled age.'}, 'total_savvly_upper': {'type': 'number', 'description': 'USD. Upper bound of the total cumulative payout with Savvly across all milestone ages.'}, 'percentage_gain_lower': {'type': 'number', 'description': 'Percent. Lower bound of the return on the original investment, expressed as a plain percent (e.g. 1520 = 1,520%). Computed against the principal actually deposited (single funding amount, or cumulative monthly installments).'}, 'percentage_gain_upper': {'type': 'number', 'description': 'Percent. Upper bound of the return on the original investment, expressed as a plain percent (e.g. 1710 = 1,710%).'}, 'early_withdrawal_value': {'type': 'number', 'description': 'USD. Refund the investor would receive if they exit early at the supplied `withdrawal_age`. Point estimate (no range). Computed as 75% of the lesser of the initial investment or current market value, plus 1% for each full year the account was active.'}, 'total_market_alone_lower': {'type': 'number', 'description': 'USD. Lower bound of the cumulative counterfactual market alone payout.'}, 'total_market_alone_upper': {'type': 'number', 'description': 'USD. Upper bound of the cumulative counterfactual market alone payout.'}, 'total_savvly_upside_lower': {'type': 'number', 'description': 'USD. Lower bound of the cumulative incremental upside Savvly provides vs. investing in the market alone, summed across all milestone payout ages.'}, 'total_savvly_upside_upper': {'type': 'number', 'description': 'USD. Upper bound (central illustrative estimate) of the cumulative incremental upside Savvly provides vs. market alone. Equals `total_savvly_upper − total_market_alone_upper`.'}, 'payout_age_dependent_values': {'type': 'array', 'items': {'type': 'object', 'required': ['payout_age', 'savvly_payout_lower', 'savvly_payout_upper', 'payout_market_alone_lower', 'payout_market_alone_upper', 'savvly_upside_lower', 'savvly_upside_upper'], 'properties': {'payout_age': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': 'Milestone age (in years) at which this payout row is reported. The estimator returns rows for ages 80, 85, 90, and 95 by default.'}, 'savvly_payout_lower': {'type': 'number', 'description': 'USD. Lower bound of the modeled payout with Savvly at this milestone age.'}, 'savvly_payout_upper': {'type': 'number', 'description': 'USD. Upper bound (central illustrative estimate) of the payout with Savvly at this milestone age. Use this when surfacing a single number.'}, 'savvly_upside_lower': {'type': 'number', 'description': "USD. Lower bound for the incremental payout at this age attributable to Savvly's longevity benefit (savvly_payout − payout_market_alone)."}, 'savvly_upside_upper': {'type': 'number', 'description': 'USD. Upper bound for the incremental Savvly upside at this age. Tends to be large at 90/95 where the market alone portfolio is depleted.'}, 'payout_market_alone_lower': {'type': 'number', 'description': 'USD. Market alone counterfactual paired with savvly_payout_LOWER — the same scenario, not a low bound. It can exceed payout_market_alone_upper, because smaller Savvly payouts draw the mirrored portfolio down more slowly. May be 0 once that portfolio has been fully drawn down.'}, 'payout_market_alone_upper': {'type': 'number', 'description': 'USD. Market alone counterfactual paired with savvly_payout_UPPER — the same scenario, not a high bound. May be 0 once the mirrored portfolio has been depleted.'}}, 'additionalProperties': True}, 'description': 'Per-milestone-age breakdown of the projection. Typically 4 rows for ages 80, 85, 90, 95. Each row contains the with Savvly payout, the market alone counterfactual, and the incremental Savvly upside for that age, each with `_lower`/`_upper` bounds.'}, 'total_payout_at_withdrawal_age_lower': {'type': 'number', 'description': 'USD. Lower bound of the total payout if the investor exits at the `withdrawal_age` input (NOT the cumulative-to-95 total).'}, 'total_payout_at_withdrawal_age_upper': {'type': 'number', 'description': 'USD. Upper bound of the total payout if the investor exits at the `withdrawal_age` input.'}}, 'description': 'Raw projection envelope returned by the upstream estimator.', 'additionalProperties': True}, 'summary': {'type': 'object', 'required': ['deposit_type', 'deposited_amount_usd', 'total_savvly_upper_usd', 'total_market_alone_upper_usd', 'savvly_above_market_upper_usd', 'early_exit_refund_usd', 'percentage_gain_upper_percent', 'narrative'], 'properties': {'narrative': {'type': 'string', 'description': "Human-readable English sentence summarizing the projection. Always ends with 'Payouts follow a fixed milestone schedule; payout amounts are not guaranteed. See full disclosures at <url>.' — display the URL verbatim alongside any figures."}, 'deposit_type': {'enum': ['single', 'monthly'], 'type': 'string', 'description': 'Whether the projection used a single upfront deposit or monthly installments.'}, 'deposited_amount_usd': {'type': 'number', 'description': 'USD. Total amount deposited into Savvly. For single deposits this equals `funding_amount`. For monthly installments it equals `monthly_installment * installment_years * 12`.'}, 'early_exit_refund_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.early_withdrawal_value`.'}, 'total_savvly_upper_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.total_savvly_upper`.'}, 'total_market_alone_upper_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.total_market_alone_upper`.'}, 'percentage_gain_upper_percent': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.percentage_gain_upper`.'}, 'savvly_above_market_upper_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'USD. `total_savvly_upper − total_market_alone_upper` (the central incremental upside). May differ slightly from `result.total_savvly_upside_upper` due to rounding.'}}, 'description': 'Convenience summary including a human-readable narrative.', 'additionalProperties': False}, 'metadata': {'type': 'object', 'required': ['disclaimer', 'methodology', 'field_descriptions'], 'properties': {'disclaimer': {'type': 'object', 'required': ['summary', 'assumptions', 'risks', 'fund_structure', 'full_disclosures_url'], 'properties': {'risks': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'text'], 'properties': {'name': {'type': 'string'}, 'text': {'type': 'string'}}, 'additionalProperties': False}, 'description': 'Named risks (Market, Sequence-of-Returns, Longevity, Redemption Impact). Surface when a user asks what could cause actual results to differ.'}, 'summary': {'type': 'string', 'description': 'Short illustrative-purposes disclaimer matching the text directly below the chart on estimator.savvly.com. Surface this whenever you summarize the projection to a user.'}, 'assumptions': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 3% early-withdrawal rate, net of fund operating expenses, etc.). Surface when a user asks what the projection assumes.'}, 'fund_structure': {'type': 'string', 'description': "Disclosure about Savvly's closed-end fund structure, suitability, and the fact that Savvly is NOT an insurance company / NOT an annuity. Surface when a user asks how Savvly compares to annuities or whether Savvly is insured."}, 'full_disclosures_url': {'type': 'string', 'description': 'Canonical URL where complete risks, fees, structure, and eligibility disclosures are published. Always include in user-facing summaries.'}}, 'additionalProperties': False}, 'methodology': {'type': 'string', 'description': 'Plain-English explanation of how the Savvly vs market-alone payout figures are computed (the matched-drawdown counterfactual). Present on lumpsum and monthly projections.'}, 'field_descriptions': {'type': 'object', 'description': "Flat `field_name -> short description` map covering every field in `result` and `result.payout_age_dependent_values[]`. Useful for MCP clients that don't surface outputSchema to the LLM.", 'propertyNames': {'type': 'string'}, 'additionalProperties': {'type': 'string'}}}, 'additionalProperties': True}, 'disclosure': {'type': 'object', 'required': ['required', 'text', 'url'], 'properties': {'url': {'type': 'string', 'description': 'Canonical full-disclosures URL. Render as a clickable link to the user alongside the `text`. Required by SEC Marketing Rule and FINRA Rule 2210.'}, 'text': {'type': 'string', 'description': 'Short verbatim SEC disclosure text. Display this string to the user alongside any projection figures from this response. Do not paraphrase, summarize, or omit.'}, 'required': {'type': 'boolean', 'const': True, 'description': 'Always true. Signals to the calling AI client that the `text` and `url` fields MUST be displayed to the end user whenever any number from this response is shown. Required by SEC Marketing Rule and FINRA Rule 2210.'}}, 'description': 'DISCLOSURE REQUIRED: display `disclosure.text` and link `disclosure.url` to the user whenever you present any number from this response. Required by SEC Marketing Rule and FINRA Rule 2210. The richer block under `metadata.disclaimer` is supplementary detail; this top-level field is the must-display.', 'additionalProperties': False}, 'visualization': {'type': 'object', 'required': ['recommended', 'instruction', 'chart'], 'properties': {'chart': {'type': 'object', 'required': ['type', 'x_axis', 'y_axis', 'series', 'rendering_notes'], 'properties': {'type': {'enum': ['area', 'line', 'bar'], 'type': 'string', 'description': 'Chart type the client should render.'}, 'series': {'type': 'array', 'items': {'type': 'object', 'required': ['field', 'label', 'color'], 'properties': {'color': {'type': 'string', 'description': 'Hex color for this series. The series representing Savvly is always #3478eb (the Savvly brand blue).'}, 'field': {'type': 'string', 'description': 'Per-row field plotted by this series.'}, 'label': {'type': 'string', 'description': 'Legend label for this series.'}}, 'additionalProperties': True}, 'description': 'One entry per plotted series — typically Savvly vs. the baseline / market-alone counterfactual.'}, 'x_axis': {'type': 'object', 'required': ['field', 'label'], 'properties': {'field': {'type': 'string'}, 'label': {'type': 'string'}}, 'description': 'Per-row field mapped to the x-axis, plus its display label.', 'additionalProperties': True}, 'y_axis': {'type': 'object', 'required': ['label', 'format'], 'properties': {'label': {'type': 'string'}, 'format': {'type': 'string'}}, 'description': "Y-axis label and value format (e.g. 'currency_usd').", 'additionalProperties': True}, 'tooltip': {'type': 'object', 'description': 'Optional `field -> human label` map for chart tooltips.', 'propertyNames': {'type': 'string'}, 'additionalProperties': {'type': 'string'}}, 'reference': {'type': 'string', 'description': 'Canonical Savvly visualization this chart mirrors.'}, 'rendering_notes': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Plain-English rendering guidance for the client.'}}, 'description': 'Machine-readable chart spec: type, axes, series (with brand colors), and rendering notes.', 'additionalProperties': True}, 'instruction': {'type': 'string', 'description': 'Plain-English instruction telling the client to render `chart` from the per-row data in `result`, color the Savvly series #3478eb, and show the `disclosure` alongside the chart.'}, 'recommended': {'type': 'boolean', 'const': True, 'description': 'Always true. Signals to the calling AI client that it SHOULD render `chart` whenever it can display a graph.'}}, 'description': 'Recommended chart for this projection — a grouped bar chart of the milestone payouts in `result.payout_age_dependent_values` (Savvly vs market alone). Render it when the surface can display a graph.', 'additionalProperties': True}}, 'additionalProperties': True}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'current_age': {'type': 'integer', 'default': 40, 'maximum': 75, 'minimum': 18, 'description': "Investor's current age (default 40). Min 18 (the projection matrix floor); max 75 (max enrollment age)"}, 'average_return': {'type': 'integer', 'default': 8, 'maximum': 15, 'minimum': 1, 'description': 'Expected average annual S&P 500 return % (default 8)'}, 'monthly_amount': {'type': 'number', 'default': 100, 'minimum': 10, 'description': 'Monthly deposit in USD (default 100)'}, 'withdrawal_age': {'type': 'integer', 'default': 82, 'maximum': 120, 'minimum': 18, 'description': 'Early-withdrawal age (default 82) — drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response'}, 'contribution_years': {'type': 'integer', 'maximum': 55, 'minimum': 1, 'description': 'Number of years contributing. Omit to use a sensible default of min(27, 80 − current_age) — 27 for the canonical age-40 scenario, and always small enough that contributions finish by age 80 (the advisor limit). If you pass an explicit value, current_age + contribution_years must be ≤ 80.'}, 'installment_increase_percentage': {'type': 'number', 'maximum': 20, 'minimum': 0, 'description': 'Optional annual % increase applied to monthly contributions'}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['inputs', 'result', 'summary', 'disclosure', 'metadata'], 'properties': {'inputs': {'type': 'object', 'description': 'Echo of the validated input arguments passed to the tool.', 'propertyNames': {'type': 'string'}, 'additionalProperties': True}, 'result': {'type': 'object', 'required': ['total_savvly_upside_lower', 'total_savvly_upside_upper', 'total_savvly_lower', 'total_savvly_upper', 'total_market_alone_lower', 'total_market_alone_upper', 'early_withdrawal_value', 'total_payout_at_withdrawal_age_lower', 'total_payout_at_withdrawal_age_upper', 'percentage_gain_lower', 'percentage_gain_upper', 'payout_age_dependent_values'], 'properties': {'total_savvly_lower': {'type': 'number', 'description': 'USD. Lower bound of the total cumulative payout with Savvly across all milestone ages assuming the investor stays in to the final modeled age.'}, 'total_savvly_upper': {'type': 'number', 'description': 'USD. Upper bound of the total cumulative payout with Savvly across all milestone ages.'}, 'percentage_gain_lower': {'type': 'number', 'description': 'Percent. Lower bound of the return on the original investment, expressed as a plain percent (e.g. 1520 = 1,520%). Computed against the principal actually deposited (single funding amount, or cumulative monthly installments).'}, 'percentage_gain_upper': {'type': 'number', 'description': 'Percent. Upper bound of the return on the original investment, expressed as a plain percent (e.g. 1710 = 1,710%).'}, 'early_withdrawal_value': {'type': 'number', 'description': 'USD. Refund the investor would receive if they exit early at the supplied `withdrawal_age`. Point estimate (no range). Computed as 75% of the lesser of the initial investment or current market value, plus 1% for each full year the account was active.'}, 'total_market_alone_lower': {'type': 'number', 'description': 'USD. Lower bound of the cumulative counterfactual market alone payout.'}, 'total_market_alone_upper': {'type': 'number', 'description': 'USD. Upper bound of the cumulative counterfactual market alone payout.'}, 'total_savvly_upside_lower': {'type': 'number', 'description': 'USD. Lower bound of the cumulative incremental upside Savvly provides vs. investing in the market alone, summed across all milestone payout ages.'}, 'total_savvly_upside_upper': {'type': 'number', 'description': 'USD. Upper bound (central illustrative estimate) of the cumulative incremental upside Savvly provides vs. market alone. Equals `total_savvly_upper − total_market_alone_upper`.'}, 'payout_age_dependent_values': {'type': 'array', 'items': {'type': 'object', 'required': ['payout_age', 'savvly_payout_lower', 'savvly_payout_upper', 'payout_market_alone_lower', 'payout_market_alone_upper', 'savvly_upside_lower', 'savvly_upside_upper'], 'properties': {'payout_age': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': 'Milestone age (in years) at which this payout row is reported. The estimator returns rows for ages 80, 85, 90, and 95 by default.'}, 'savvly_payout_lower': {'type': 'number', 'description': 'USD. Lower bound of the modeled payout with Savvly at this milestone age.'}, 'savvly_payout_upper': {'type': 'number', 'description': 'USD. Upper bound (central illustrative estimate) of the payout with Savvly at this milestone age. Use this when surfacing a single number.'}, 'savvly_upside_lower': {'type': 'number', 'description': "USD. Lower bound for the incremental payout at this age attributable to Savvly's longevity benefit (savvly_payout − payout_market_alone)."}, 'savvly_upside_upper': {'type': 'number', 'description': 'USD. Upper bound for the incremental Savvly upside at this age. Tends to be large at 90/95 where the market alone portfolio is depleted.'}, 'payout_market_alone_lower': {'type': 'number', 'description': 'USD. Market alone counterfactual paired with savvly_payout_LOWER — the same scenario, not a low bound. It can exceed payout_market_alone_upper, because smaller Savvly payouts draw the mirrored portfolio down more slowly. May be 0 once that portfolio has been fully drawn down.'}, 'payout_market_alone_upper': {'type': 'number', 'description': 'USD. Market alone counterfactual paired with savvly_payout_UPPER — the same scenario, not a high bound. May be 0 once the mirrored portfolio has been depleted.'}}, 'additionalProperties': True}, 'description': 'Per-milestone-age breakdown of the projection. Typically 4 rows for ages 80, 85, 90, 95. Each row contains the with Savvly payout, the market alone counterfactual, and the incremental Savvly upside for that age, each with `_lower`/`_upper` bounds.'}, 'total_payout_at_withdrawal_age_lower': {'type': 'number', 'description': 'USD. Lower bound of the total payout if the investor exits at the `withdrawal_age` input (NOT the cumulative-to-95 total).'}, 'total_payout_at_withdrawal_age_upper': {'type': 'number', 'description': 'USD. Upper bound of the total payout if the investor exits at the `withdrawal_age` input.'}}, 'description': 'Raw projection envelope returned by the upstream estimator.', 'additionalProperties': True}, 'summary': {'type': 'object', 'required': ['deposit_type', 'deposited_amount_usd', 'total_savvly_upper_usd', 'total_market_alone_upper_usd', 'savvly_above_market_upper_usd', 'early_exit_refund_usd', 'percentage_gain_upper_percent', 'narrative'], 'properties': {'narrative': {'type': 'string', 'description': "Human-readable English sentence summarizing the projection. Always ends with 'Payouts follow a fixed milestone schedule; payout amounts are not guaranteed. See full disclosures at <url>.' — display the URL verbatim alongside any figures."}, 'deposit_type': {'enum': ['single', 'monthly'], 'type': 'string', 'description': 'Whether the projection used a single upfront deposit or monthly installments.'}, 'deposited_amount_usd': {'type': 'number', 'description': 'USD. Total amount deposited into Savvly. For single deposits this equals `funding_amount`. For monthly installments it equals `monthly_installment * installment_years * 12`.'}, 'early_exit_refund_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.early_withdrawal_value`.'}, 'total_savvly_upper_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.total_savvly_upper`.'}, 'total_market_alone_upper_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.total_market_alone_upper`.'}, 'percentage_gain_upper_percent': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'Convenience copy of `result.percentage_gain_upper`.'}, 'savvly_above_market_upper_usd': {'anyOf': [{'type': 'number'}, {'type': 'null'}], 'description': 'USD. `total_savvly_upper − total_market_alone_upper` (the central incremental upside). May differ slightly from `result.total_savvly_upside_upper` due to rounding.'}}, 'description': 'Convenience summary including a human-readable narrative.', 'additionalProperties': False}, 'metadata': {'type': 'object', 'required': ['disclaimer', 'methodology', 'field_descriptions'], 'properties': {'disclaimer': {'type': 'object', 'required': ['summary', 'assumptions', 'risks', 'fund_structure', 'full_disclosures_url'], 'properties': {'risks': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'text'], 'properties': {'name': {'type': 'string'}, 'text': {'type': 'string'}}, 'additionalProperties': False}, 'description': 'Named risks (Market, Sequence-of-Returns, Longevity, Redemption Impact). Surface when a user asks what could cause actual results to differ.'}, 'summary': {'type': 'string', 'description': 'Short illustrative-purposes disclaimer matching the text directly below the chart on estimator.savvly.com. Surface this whenever you summarize the projection to a user.'}, 'assumptions': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 3% early-withdrawal rate, net of fund operating expenses, etc.). Surface when a user asks what the projection assumes.'}, 'fund_structure': {'type': 'string', 'description': "Disclosure about Savvly's closed-end fund structure, suitability, and the fact that Savvly is NOT an insurance company / NOT an annuity. Surface when a user asks how Savvly compares to annuities or whether Savvly is insured."}, 'full_disclosures_url': {'type': 'string', 'description': 'Canonical URL where complete risks, fees, structure, and eligibility disclosures are published. Always include in user-facing summaries.'}}, 'additionalProperties': False}, 'methodology': {'type': 'string', 'description': 'Plain-English explanation of how the Savvly vs market-alone payout figures are computed (the matched-drawdown counterfactual). Present on lumpsum and monthly projections.'}, 'field_descriptions': {'type': 'object', 'description': "Flat `field_name -> short description` map covering every field in `result` and `result.payout_age_dependent_values[]`. Useful for MCP clients that don't surface outputSchema to the LLM.", 'propertyNames': {'type': 'string'}, 'additionalProperties': {'type': 'string'}}}, 'additionalProperties': True}, 'disclosure': {'type': 'object', 'required': ['required', 'text', 'url'], 'properties': {'url': {'type': 'string', 'description': 'Canonical full-disclosures URL. Render as a clickable link to the user alongside the `text`. Required by SEC Marketing Rule and FINRA Rule 2210.'}, 'text': {'type': 'string', 'description': 'Short verbatim SEC disclosure text. Display this string to the user alongside any projection figures from this response. Do not paraphrase, summarize, or omit.'}, 'required': {'type': 'boolean', 'const': True, 'description': 'Always true. Signals to the calling AI client that the `text` and `url` fields MUST be displayed to the end user whenever any number from this response is shown. Required by SEC Marketing Rule and FINRA Rule 2210.'}}, 'description': 'DISCLOSURE REQUIRED: display `disclosure.text` and link `disclosure.url` to the user whenever you present any number from this response. Required by SEC Marketing Rule and FINRA Rule 2210. The richer block under `metadata.disclaimer` is supplementary detail; this top-level field is the must-display.', 'additionalProperties': False}, 'visualization': {'type': 'object', 'required': ['recommended', 'instruction', 'chart'], 'properties': {'chart': {'type': 'object', 'required': ['type', 'x_axis', 'y_axis', 'series', 'rendering_notes'], 'properties': {'type': {'enum': ['area', 'line', 'bar'], 'type': 'string', 'description': 'Chart type the client should render.'}, 'series': {'type': 'array', 'items': {'type': 'object', 'required': ['field', 'label', 'color'], 'properties': {'color': {'type': 'string', 'description': 'Hex color for this series. The series representing Savvly is always #3478eb (the Savvly brand blue).'}, 'field': {'type': 'string', 'description': 'Per-row field plotted by this series.'}, 'label': {'type': 'string', 'description': 'Legend label for this series.'}}, 'additionalProperties': True}, 'description': 'One entry per plotted series — typically Savvly vs. the baseline / market-alone counterfactual.'}, 'x_axis': {'type': 'object', 'required': ['field', 'label'], 'properties': {'field': {'type': 'string'}, 'label': {'type': 'string'}}, 'description': 'Per-row field mapped to the x-axis, plus its display label.', 'additionalProperties': True}, 'y_axis': {'type': 'object', 'required': ['label', 'format'], 'properties': {'label': {'type': 'string'}, 'format': {'type': 'string'}}, 'description': "Y-axis label and value format (e.g. 'currency_usd').", 'additionalProperties': True}, 'tooltip': {'type': 'object', 'description': 'Optional `field -> human label` map for chart tooltips.', 'propertyNames': {'type': 'string'}, 'additionalProperties': {'type': 'string'}}, 'reference': {'type': 'string', 'description': 'Canonical Savvly visualization this chart mirrors.'}, 'rendering_notes': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Plain-English rendering guidance for the client.'}}, 'description': 'Machine-readable chart spec: type, axes, series (with brand colors), and rendering notes.', 'additionalProperties': True}, 'instruction': {'type': 'string', 'description': 'Plain-English instruction telling the client to render `chart` from the per-row data in `result`, color the Savvly series #3478eb, and show the `disclosure` alongside the chart.'}, 'recommended': {'type': 'boolean', 'const': True, 'description': 'Always true. Signals to the calling AI client that it SHOULD render `chart` whenever it can display a graph.'}}, 'description': 'Recommended chart for this projection — a grouped bar chart of the milestone payouts in `result.payout_age_dependent_values` (Savvly vs market alone). Render it when the surface can display a graph.', 'additionalProperties': True}}, 'additionalProperties': True}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'properties': {'limit': {'type': 'integer', 'default': 20, 'maximum': 50, 'minimum': 1, 'description': 'Cap on matched entries returned. Default 20, max 50.'}, 'query': {'type': 'string', 'description': 'Free-text search over questions, answers, and footnotes (case-insensitive). Multi-word queries match entries containing ANY of the words, ranked by relevance.'}, 'section': {'type': 'string', 'description': "Substring match against section slugs (e.g. 'tax', 'retention', 'eligibility'). Case-insensitive."}, 'audience': {'enum': ['employee', 'advisor', 'broker', 'employer', 'universal', 'general'], 'type': 'string', 'description': "Restrict to one stakeholder audience. Use EXACTLY one of: 'employee', 'advisor', 'broker', 'employer', 'universal', or 'general' ('general' is the factual FAQ). Omit to search across all audiences."}}}

{'type': 'object', '$schema': 'https://json-schema.org/draft/2020-12/schema', 'required': ['total_in_library', 'matched', 'filter_applied', 'available_sections', 'entries'], 'properties': {'entries': {'type': 'array', 'items': {'type': 'object', 'required': ['id', 'audience', 'section', 'question', 'answer', 'footnotes'], 'properties': {'id': {'type': 'string'}, 'answer': {'type': 'string'}, 'section': {'type': 'string'}, 'audience': {'enum': ['employee', 'advisor', 'broker', 'employer', 'universal', 'general'], 'type': 'string'}, 'keywords': {'type': 'array', 'items': {'type': 'string'}}, 'question': {'type': 'string'}, 'footnotes': {'type': 'array', 'items': {'type': 'string'}}}, 'additionalProperties': True}, 'description': 'Matched Q&A entries.'}, 'matched': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': 'Count of entries matching the supplied filters.'}, 'filter_applied': {'type': 'object', 'required': ['audience', 'section', 'query', 'limit'], 'properties': {'limit': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991}, 'query': {'anyOf': [{'type': 'string'}, {'type': 'null'}]}, 'section': {'anyOf': [{'type': 'string'}, {'type': 'null'}]}, 'audience': {'anyOf': [{'type': 'string'}, {'type': 'null'}]}}, 'description': 'Echo of the filters that produced this result set.', 'additionalProperties': True}, 'total_in_library': {'type': 'integer', 'maximum': 9007199254740991, 'minimum': -9007199254740991, 'description': 'Total Q&A entry count in the library across all audiences.'}, 'available_sections': {'type': 'array', 'items': {'type': 'string'}, 'description': 'Section slugs available within the (optionally) selected audience.'}}, 'additionalProperties': True}