{ "document_type": "financial_planning_guide", "tools": [ { "name": "getPresentationOverview", "description": "문서의 전체 구조, 발표자 정보 및 핵심 투자 원칙 요약을 반환합니다.", "params": [], "data": { "title": "The Basics of Investing", "presenter": { "credentials": [ "CFP®", "CFA®" ], "background": "MIT Class of 2005, Independent Financial Planner", "services": [ "Financial Planning", "Implementation" ] }, "structure": [ "Basics (Interest & Risk)", "Investment Building Blocks (Stocks, Bonds, Funds)", "Strategy (Asset Allocation & Rebalancing)", "Costs (Expense Ratios & Share Classes)", "Equity Compensation (Stock Options & ESPP)", "Annuities & Real Estate", "Key Takeaways" ] } }, { "name": "getSlideContent", "description": "특정 페이지 번호에 해당하는 슬라이드 내용과 법적 고지 사항을 반환합니다.", "params": [ { "name": "pageNumber", "type": "number", "description": "조회할 페이지 번호 (1-12)", "required": true } ], "data": { "slides": [ { "page": 1, "topic": "Disclosures", "content": "Financial planning through NPA and LPL Financial. Not NCUA insured." }, { "page": 2, "topic": "Introduction", "content": "Who am I? How do I help?" }, { "page": 3, "topic": "Interest & Risk", "content": "Simple/Compound interest, Risk Free Rate, Government bonds." }, { "page": 4, "topic": "Building Blocks", "content": "Stocks, Bonds, Mutual Funds, ETFs and associated risks." }, { "page": 5, "topic": "Portfolio Theory", "content": "Efficient Markets, Modern Portfolio Theory, Asset Allocation." }, { "page": 6, "topic": "Investing Topics", "content": "Expense Ratio, Brokerage/Wrap, Discretion." }, { "page": 7, "topic": "Share Classes", "content": "Mutual Fund Share Classes (A, B, C, I, No Load)." }, { "page": 8, "topic": "Stock Options", "content": "ISOs, NSOs, Restricted Stock, 83(t), ESPP." }, { "page": 9, "topic": "Annuities", "content": "Fixed, Variable, Index annuities; Benefits and Drawbacks." }, { "page": 10, "topic": "Real Estate", "content": "Rental Real Estate, Cap Rates, Human Nature." }, { "page": 11, "topic": "Takeaways", "content": "12 Most Important Take Aways for investors." }, { "page": 12, "topic": "Wrap Up", "content": "General information disclaimer and contact options." } ] } }, { "name": "getInvestmentBuildingBlocks", "description": "주식, 채권, 뮤추얼 펀드, ETF의 특징과 위험 요소를 검색합니다.", "params": [], "data": { "instruments": [ { "type": "Stock", "notes": "Dividends not guaranteed; companies may reduce or eliminate them." }, { "type": "Bond", "risks": "Inverse relationship with interest rates (rates rise, values drop). Principal loss possible if sold before maturity." }, { "type": "Mutual Fund", "risks": "Fluctuate in value; loss of principal possible. Risk based on underlying securities.", "fees": "12(b)1 fees may apply." }, { "type": "ETF", "risks": "Price volatility, index tracking errors, international political/economic developments, trading halts." } ], "general_concepts": [ "Simple and Compound Interest", "Risk Free Rate (US Gov Bonds)", "Diversification (does not protect against market risk)" ] } }, { "name": "getMutualFundShareClasses", "description": "뮤추얼 펀드의 다양한 쉐어 클래스(A, B, C, I 등)와 비용 구조를 반환합니다.", "params": [], "data": { "share_classes": [ { "class": "A Share", "type": "Upfront", "description": "Front-end sales charge." }, { "class": "B Share", "type": "Back", "description": "Back-end sales charge/surrender fee." }, { "class": "C Share", "type": "Level", "description": "Level load fees." }, { "class": "I Share", "type": "Wrap", "description": "Institutional/Wrap account shares." }, { "class": "No Load Share", "type": "DIY", "description": "No sales commission." } ], "additional_fees": [ "12(b)1 fees", "Expense Ratio" ] } }, { "name": "getStockCompensationDetails", "description": "기업 주식 보상 제도(ISO, NSO, RSU, ESPP)에 대한 정보를 반환합니다.", "params": [], "data": { "types": [ { "name": "Incentive Stock Options (ISOs)", "category": "Stock Option" }, { "name": "Non Qualified Stock Options (NSOs)", "category": "Stock Option" }, { "name": "Restricted Stock", "notes": "Includes 83(t) election mention." }, { "name": "Employee Stock Purchase Plan (ESPP)", "notes": "Employer-sponsored plan to buy stock." } ], "key_questions": [ "What is a stock option?", "When to sell?" ] } }, { "name": "getAnnuityAndRealEstateInfo", "description": "연금(Annuities)의 종류와 장단점, 그리고 임대 부동산 투자 시 고려사항을 반환합니다.", "params": [], "data": { "annuities": { "types": [ "Fixed", "Variable", "Index" ], "benefits": [ "Tax Deferral", "Lifetime Income" ], "drawbacks": [ "Complexity", "Cost", "Surrender Periods", "Income Taxes" ], "risks": "Variable annuities subject to market risk; 10% IRS penalty for withdrawals before 59 1/2." }, "rental_real_estate": { "evaluation_metrics": [ "Capitalization Rate (Cap Rate)" ], "requirements": [ "Demand a higher rate of return", "Must be evaluated like any other investment" ], "factors": [ "Human Nature" ] } } }, { "name": "getFinancialPlanningTakeaways", "description": "문서에서 강조하는 12가지 핵심 투자 및 재무 설계 조언을 반환합니다.", "params": [], "data": { "takeaways": [ "Save Early", "Get a Health Care Proxy and Durable Power of Attorney", "Permanent and Emergency Guardians for Children", "Stockpile cash before a home purchase", "You can finance an education, but not retirement", "Take your employer match", "Pay down your highest interest rate first", "Plan for the worst", "Write down your goal", "Understand what you are paying and who you are paying it to", "Buy low and sell high", "If you don’t understand it, don’t invest" ] } } ], "verify": { "manifest_url": "https://febyeji.github.io/feat-surface/verify.json", "how": "Fetch verify.json, find this document by ID, compare SHA-256 hashes of webmcp/*.json files." } }