@savvly/mcp-server 1.0.32 → 1.0.38

package/dist/cli.js

@@ -21099,17 +21099,17 @@ var EMPTY_COMPLETION_RESULT = {
 
 // ../../src/data/product.ts
 var PRODUCT = {
-  name: "Savvly Longevity Benefit Fund",
+  name: "Savvly Longevity Benefit",
   category: "longevity_benefit_fund",
   tagline: "Market upside + longevity protection in a single SEC-registered investment",
-  positioning_statement: "Savvly is not insurance, not an annuity \u2014 it is a new kind of longevity-linked security: an SEC-registered closed-end investment fund that delivers structured milestone payouts via market participation plus longevity-pool reallocation.",
-  description: "Savvly offers a Longevity Benefit \u2014 an SEC-registered investment fund that combines S&P 500 index fund participation with a longevity pool reallocation mechanism. Contributions are invested in a low-cost S&P 500 ETF from Vanguard (VOO), held in custody at US Bank. At milestone ages (80, 85, 90, and 95), investors receive structured payouts that include both their market growth and an additional benefit from the longevity pool \u2014 when investors exit early, their unused share may be reallocated to remaining participants. This is NOT an annuity and NOT insurance. It is a capital markets structure registered with the SEC.",
+  positioning_statement: "Savvly is not insurance, not an annuity \u2014 it is a new kind of longevity-linked security: an SEC-registered closed-end investment fund that delivers structured milestone payouts via market participation plus longevity-pool allocation.",
+  description: "Savvly offers longevity protection \u2014 an SEC-registered investment fund that combines S&P 500 index fund participation with a longevity pool allocation mechanism. Contributions are invested in a low-cost S&P 500 ETF from Vanguard (VOO), held in custody at U.S. Bank. At milestone ages (80, 85, 90, and 95), investors receive structured payouts that include both their market growth and an additional benefit from the longevity pool \u2014 when investors exit early, their unused share may be allocated to remaining participants. This is NOT an annuity and NOT insurance. It is a capital markets structure registered with the SEC.",
   regulatory: {
     type: "SEC-registered investment fund",
     act: "Investment Company Act of 1940",
-    adviser: "Savvly Advisor LLC",
+    adviser: "Savvly Advisor, LLC",
     adviser_type: "SEC-registered investment adviser",
-    custodian: "US Bank",
+    custodian: "U.S. Bank",
     is_insurance: false,
     is_annuity: false
   },
@@ -21125,10 +21125,10 @@ var PRODUCT = {
   fees: {
     common_shares_bps: 55,
     tracking_shares_bps: 110,
-    blended_range_bps: { low: 55, high: 70 },
-    summary: "Savvly charges 55 bps on common (purchased) shares and 110 bps on tracking (allocated) shares. The effective blended fee depends on a participant's mix of the two share classes; estimates fall in the 55\u201370 bps range.",
-    structure: "Savvly's own management fees are 55 bps on purchased shares and 110 bps on allocated shares. These are separate from the underlying ETF expense ratio (~3 bps on VOO), which applies to every S&P 500 investor whether they hold Savvly or hold the ETF directly.",
-    estimates_are_net: "All return and payout illustrations published by Savvly are presented NET of Savvly's management fees."
+    blended_range_bps: { low: 55, high: 80 },
+    summary: "Savvly's annual fund operating expenses are 55 bps on common (purchased) shares and 110 bps on tracking (allocated) shares. The blended annual fund operating expense depends on a participant's mix of the two share classes; estimates fall in the 55\u201380 bps range.",
+    structure: "Savvly's annual fund operating expenses are 55 bps on purchased shares and 110 bps on allocated shares.",
+    estimates_are_net: "All return and payout illustrations published by Savvly are presented NET of Savvly's annual fund operating expenses."
   },
   payout_schedule: [
     {
@@ -21165,13 +21165,13 @@ var PRODUCT = {
     example: "After 10 years: min(1.0, 0.75 + 0.10) = 85% of the lesser of your original investment or current market value"
   },
   longevity_pool: {
-    description: "When investors exit the pool before reaching a payout milestone, their unused share may be reallocated to remaining investors, potentially increasing the returns available for those who stay. This mechanism creates an additional return above pure market performance \u2014 similar in concept to mortality credits in traditional tontines, but structured as an SEC-registered fund.",
-    mechanism: "reallocation",
+    description: "When investors exit the pool before reaching a payout milestone, their unused share may be allocated to remaining investors, potentially increasing the returns available for those who stay. This mechanism creates an additional return above pure market performance \u2014 similar in concept to mortality credits in longevity-risk pooling arrangements, but structured as an SEC-registered fund.",
+    mechanism: "allocation",
     not_insurance: "Unlike annuities, there is no insurance company bearing the risk. The benefit comes from the pool structure itself."
   },
   tax_treatment: {
-    general: "Long-term capital gains treatment (based on current tax law, subject to change)",
-    employer_roth: "Qualified Roth treatment available in employer-sponsored context",
+    general: "Intends to qualify as a Regulated Investment Company (RIC); distributions are generally taxable as ordinary income or capital gain, and in-kind ETF payouts carry capital gains",
+    employer_roth: "Tax-deferred when held in a tax-deferred account such as an IRA or 401(k)",
     note: "Consult a tax professional for advice specific to your situation"
   },
   channels: [
@@ -21197,7 +21197,7 @@ var PRODUCT = {
   portability_note: "Account remains portable on job change",
   company: {
     name: "Savvly",
-    legal_name: "Savvly Advisor LLC",
+    legal_name: "Savvly Advisor, LLC",
     location: "Boulder, CO",
     backers: ["Techstars", "AgeTech Collaborative", "Pivotal Ventures"],
     partnerships: ["Gallagher"],
@@ -21239,7 +21239,7 @@ var PRODUCT = {
     }
   },
   disclaimers: {
-    projections: "Projections are hypothetical illustrations based on assumed rates of return and are not guarantees of future performance. Past performance does not guarantee future results. Savvly Advisor LLC is an SEC-registered investment adviser. Please consult a financial advisor for advice tailored to your specific situation.",
+    projections: "Projections are hypothetical illustrations based on assumed rates of return and are not guarantees of future performance. Past performance does not guarantee future results. Savvly Advisor, LLC is an SEC-registered investment adviser. Please consult a financial advisor for advice tailored to your specific situation.",
     comparisons: "Comparisons are for informational purposes only and represent general product category characteristics. Specific products may vary. This is not investment advice.",
     general: "Payouts are potential outcomes based on fund participation, market performance, and pool dynamics. They are not guaranteed.",
     chart_summary: "This investment estimator is for illustrative purposes only, to help show possible performance for investors. The returns presented reflect Savvly's aspirational goals and are hypothetical, and there is no guarantee that these same results will be achieved by investors. All investors must consider their specific risk tolerances before any financial strategies are chosen for investment purposes. Please see full disclosures for more information.",
@@ -21285,45 +21285,49 @@ var SAVVLY_DIMENSIONS = {
   longevity_protection: {
     score: 5,
     label: "Very High",
-    explanation: "Structured milestone payouts at ages 80, 85, 90, and 95 with longevity pool reallocation benefit"
+    explanation: "Structured milestone payouts at ages 80, 85, 90, and 95 with longevity pool allocation benefit"
   },
   market_upside: {
     score: 5,
     label: "Very High",
     explanation: "Full S&P 500 participation via low-cost ETFs \u2014 no return caps, no floors"
   },
-  counterparty_risk: {
-    score: 2,
-    label: "Low",
-    explanation: "Pool-based structure, assets held at US Bank under SEC oversight. No insurance company solvency risk"
+  counterparty_safety: {
+    score: 4,
+    label: "High",
+    explanation: "Pool-based structure, assets held at U.S. Bank under SEC oversight. No insurance company solvency risk"
   },
   liquidity: {
-    score: 3,
-    label: "Medium",
+    score: 2,
+    label: "Low",
     explanation: "Early withdrawal available at 75% of contribution + 1% per year held, capped at 100%"
   },
-  fees: {
-    range: "~0.55-0.70% blended (estimate)",
-    structure: "Savvly management fees: 55 bps on common (purchased) shares + 110 bps on tracking (allocated) shares; blended cost depends on the participant's share mix and is typically estimated in the 55-70 bps range. Plus the underlying S&P 500 ETF expense ratio (~3 bps on VOO), which any S&P 500 investor incurs. All Savvly return illustrations are net of management fees.",
-    score: 4
+  cost_to_value: {
+    score: 4,
+    label: "High",
+    explanation: "No initial fees. Fees are ~0.55-0.80% blended (estimate) \u2014 Savvly's annual fund operating expenses: 55 bps on common (purchased) shares + 110 bps on tracking (allocated) shares; the blended operating expense depends on the participant's share mix and is typically estimated in the 55-80 bps range. All Savvly return illustrations are net of these operating expenses."
+  },
+  affordability: {
+    score: 4,
+    label: "High",
+    explanation: "$10/month contribution, or $100 lump-sum"
   },
-  minimum_investment: { amount: "$10/month", score: 5 },
-  tax_treatment: "Long-term capital gains (current law); qualified Roth in employer context",
-  regulatory_oversight: "SEC \u2014 Investment Company Act of 1940; Savvly Advisor LLC is SEC-registered",
+  tax_treatment: "Taxed as ordinary income or capital gain; in-kind payouts carry capital gains; tax-deferred only in an IRA/401(k)",
+  regulatory_oversight: "SEC \u2014 Investment Company Act of 1940; Savvly Advisor, LLC is SEC-registered",
   portability: {
     score: 5,
     label: "Very High",
     explanation: "Fully portable on job change"
   },
-  death_benefit: "Early withdrawal value returned to estate (75% + 1%/year held, capped at 100%)",
+  death_benefit: "Low. Early withdrawal value returned to estate (75% + 1%/year held, capped at 100%)",
   inflation_protection: {
     score: 4,
     label: "High",
     explanation: "Market-linked returns provide natural inflation hedge over long horizons"
   },
-  complexity: {
-    score: 2,
-    label: "Low",
+  simplicity: {
+    score: 3,
+    label: "Medium",
     explanation: "Simple structure: contribute, stay invested, receive milestone payouts. One underlying fund."
   }
 };
@@ -21344,7 +21348,7 @@ var COMPARISONS = [
         label: "None",
         explanation: "Fixed rate \u2014 no participation in market growth"
       },
-      counterparty_risk: {
+      counterparty_safety: {
         score: 3,
         label: "Medium",
         explanation: "Depends on insurance company solvency; state guaranty association limits apply (typically $250K)"
@@ -21354,12 +21358,16 @@ var COMPARISONS = [
         label: "Very Low",
         explanation: "Surrender charges typically 5-10 years; often irrevocable after annuitization"
       },
-      fees: {
-        range: "0.5-2%",
-        structure: "Embedded in interest rate spread (not separately disclosed)",
-        score: 3
+      cost_to_value: {
+        score: 3,
+        label: "Medium",
+        explanation: "Sales commission plus 0.5-2% \u2014 Embedded in interest rate spread (not separately disclosed)"
+      },
+      affordability: {
+        score: 3,
+        label: "Medium",
+        explanation: "Minimum $1,000-$25,000"
       },
-      minimum_investment: { amount: "$1,000-$25,000", score: 2 },
       tax_treatment: "Ordinary income tax on gains; 10% penalty before age 59.5",
       regulatory_oversight: "State insurance regulators (not SEC)",
       portability: {
@@ -21373,9 +21381,9 @@ var COMPARISONS = [
         label: "None",
         explanation: "Fixed nominal payments erode with inflation over decades"
       },
-      complexity: {
-        score: 2,
-        label: "Low",
+      simplicity: {
+        score: 3,
+        label: "Medium",
         explanation: "Simple concept but contract terms can be lengthy"
       }
     }
@@ -21396,7 +21404,7 @@ var COMPARISONS = [
         label: "Medium",
         explanation: "Subaccount investment options, but rider costs (2-3%+) significantly reduce net returns"
       },
-      counterparty_risk: {
+      counterparty_safety: {
         score: 3,
         label: "Medium",
         explanation: "Insurance company guarantee on riders; subaccount assets are segregated but riders depend on issuer solvency"
@@ -21406,12 +21414,16 @@ var COMPARISONS = [
         label: "Low",
         explanation: "Surrender charges (6-8 years typical); 10% annual free withdrawal; penalties before 59.5"
       },
-      fees: {
-        range: "2-3.5%+",
-        structure: "Mortality & expense charge (~1.25%) + admin (~0.15%) + subaccount (~0.5-1%) + rider (~1%)",
-        score: 1
+      cost_to_value: {
+        score: 2,
+        label: "Low",
+        explanation: "Sales commission plus 2-3.5%+ \u2014 Mortality & expense charge (~1.25%) + admin (~0.15%) + subaccount (~0.5-1%) + rider (~1%)"
+      },
+      affordability: {
+        score: 2,
+        label: "Low",
+        explanation: "Minimum investment $5,000-$25,000"
       },
-      minimum_investment: { amount: "$5,000-$25,000", score: 2 },
       tax_treatment: "Tax-deferred growth; ordinary income tax on withdrawals; 10% penalty before 59.5",
       regulatory_oversight: "SEC (securities) + State insurance regulators (dual-regulated)",
       portability: {
@@ -21425,9 +21437,9 @@ var COMPARISONS = [
         label: "Medium",
         explanation: "Market exposure provides some hedge, but high fees drag on real returns"
       },
-      complexity: {
-        score: 5,
-        label: "Very High",
+      simplicity: {
+        score: 1,
+        label: "Very Low",
         explanation: "Multiple fee layers, rider options, surrender schedules, subaccount choices, and benefit bases to track"
       }
     }
@@ -21448,7 +21460,7 @@ var COMPARISONS = [
         label: "Low",
         explanation: "Returns linked to index but capped (typically 4-8% annual cap) with participation rates (50-80%)"
       },
-      counterparty_risk: {
+      counterparty_safety: {
         score: 3,
         label: "Medium",
         explanation: "Insurance company guarantee; state guaranty association limits apply"
@@ -21458,12 +21470,16 @@ var COMPARISONS = [
         label: "Low",
         explanation: "Surrender charges 7-10 years; 10% annual free withdrawal"
       },
-      fees: {
-        range: "0.5-2%",
-        structure: "Embedded in cap/participation rate spread; rider fees additional",
-        score: 3
+      cost_to_value: {
+        score: 2,
+        label: "Low",
+        explanation: "Sales commission plus 0.5-2% \u2014 Embedded in cap/participation rate spread; rider fees additional"
+      },
+      affordability: {
+        score: 2,
+        label: "Low",
+        explanation: "$10,000+"
       },
-      minimum_investment: { amount: "$10,000+", score: 2 },
       tax_treatment: "Tax-deferred; ordinary income on withdrawals; 10% penalty before 59.5",
       regulatory_oversight: "State insurance regulators (not SEC-regulated)",
       portability: {
@@ -21477,9 +21493,9 @@ var COMPARISONS = [
         label: "Low",
         explanation: "Caps on returns limit upside; 0% floor protects against losses but not inflation"
       },
-      complexity: {
-        score: 4,
-        label: "High",
+      simplicity: {
+        score: 2,
+        label: "Low",
         explanation: "Participation rates, caps, spreads, crediting methods, and reset periods make outcomes opaque"
       }
     }
@@ -21500,9 +21516,9 @@ var COMPARISONS = [
         label: "High",
         explanation: "Diversified market exposure (stocks + bonds), but glide path reduces equity allocation over time"
       },
-      counterparty_risk: {
-        score: 1,
-        label: "Very Low",
+      counterparty_safety: {
+        score: 5,
+        label: "Very High",
         explanation: "Mutual fund \u2014 assets held in trust; no single-entity solvency risk"
       },
       liquidity: {
@@ -21510,12 +21526,16 @@ var COMPARISONS = [
         label: "Very High",
         explanation: "Redeemable any business day at NAV (within tax-advantaged account rules)"
       },
-      fees: {
-        range: "0.10-0.75%",
-        structure: "Expense ratio (index-based: 0.10-0.15%; actively managed: 0.40-0.75%)",
-        score: 4
+      cost_to_value: {
+        score: 3,
+        label: "Medium",
+        explanation: "0.10-0.75% \u2014 Expense ratio (index-based: 0.10-0.15%; actively managed: 0.40-0.75%)"
+      },
+      affordability: {
+        score: 4,
+        label: "High",
+        explanation: "$0-$1,000"
       },
-      minimum_investment: { amount: "$0-$1,000", score: 5 },
       tax_treatment: "Depends on account type (401k/IRA: tax-deferred; taxable: capital gains)",
       regulatory_oversight: "SEC \u2014 Investment Company Act of 1940",
       portability: {
@@ -21529,9 +21549,9 @@ var COMPARISONS = [
         label: "Medium",
         explanation: "Equity component hedges inflation, but increasing bond allocation reduces this over time"
       },
-      complexity: {
-        score: 1,
-        label: "Very Low",
+      simplicity: {
+        score: 5,
+        label: "Very High",
         explanation: "Single-fund solution \u2014 pick your target year, done"
       }
     }
@@ -21552,9 +21572,9 @@ var COMPARISONS = [
         label: "Medium",
         explanation: "Diversified portfolio but conservative allocation limits upside"
       },
-      counterparty_risk: {
-        score: 1,
-        label: "Very Low",
+      counterparty_safety: {
+        score: 5,
+        label: "Very High",
         explanation: "Mutual fund structure \u2014 no insurance company risk"
       },
       liquidity: {
@@ -21562,12 +21582,16 @@ var COMPARISONS = [
         label: "High",
         explanation: "Redeemable at NAV; monthly distributions can be stopped/changed"
       },
-      fees: {
-        range: "0.30-0.65%",
-        structure: "Expense ratio",
-        score: 4
+      cost_to_value: {
+        score: 4,
+        label: "High",
+        explanation: "0.30-0.65% \u2014 Expense ratio"
+      },
+      affordability: {
+        score: 3,
+        label: "Medium",
+        explanation: "$1,000-$5,000"
       },
-      minimum_investment: { amount: "$1,000-$5,000", score: 3 },
       tax_treatment: "Distributions may include return of capital, capital gains, and income",
       regulatory_oversight: "SEC \u2014 Investment Company Act of 1940",
       portability: {
@@ -21581,130 +21605,26 @@ var COMPARISONS = [
         label: "Low",
         explanation: "Fixed target distribution rate may not keep pace with inflation"
       },
-      complexity: {
-        score: 2,
-        label: "Low",
+      simplicity: {
+        score: 4,
+        label: "High",
         explanation: "Simple concept but distribution sustainability requires monitoring"
       }
     }
-  },
-  {
-    product_type: "social_security_delay",
-    display_name: "Social Security Delay Strategy",
-    category: "government_benefit",
-    description: "Delaying Social Security benefits from age 62 to 70 increases the monthly benefit by approximately 8% per year of delay. Provides inflation-adjusted lifetime income backed by the U.S. government.",
-    dimensions: {
-      longevity_protection: {
-        score: 5,
-        label: "Very High",
-        explanation: "Inflation-adjusted lifetime income \u2014 the strongest longevity protection available"
-      },
-      market_upside: {
-        score: 1,
-        label: "None",
-        explanation: "Fixed formula \u2014 only inflation adjustment (COLA), no market participation"
-      },
-      counterparty_risk: {
-        score: 1,
-        label: "Very Low",
-        explanation: "Backed by U.S. government (some policy/benefit-cut risk exists long-term)"
-      },
-      liquidity: {
-        score: 1,
-        label: "None",
-        explanation: "Irreversible once claimed (limited 12-month withdrawal window)"
-      },
-      fees: {
-        range: "N/A",
-        structure: "No fees \u2014 funded by payroll taxes",
-        score: 5
-      },
-      minimum_investment: { amount: "N/A (earned via work credits)", score: 5 },
-      tax_treatment: "Up to 85% of benefits taxable as ordinary income depending on total income",
-      regulatory_oversight: "Federal government \u2014 Social Security Administration",
-      portability: {
-        score: 5,
-        label: "Very High",
-        explanation: "Follows the individual regardless of employment"
-      },
-      death_benefit: "Survivor benefits available to spouse (reduced amount)",
-      inflation_protection: {
-        score: 5,
-        label: "Very High",
-        explanation: "Annual cost-of-living adjustment (COLA) tied to CPI"
-      },
-      complexity: {
-        score: 2,
-        label: "Low",
-        explanation: "Simple concept but optimal claiming strategy depends on marital status, health, and other income"
-      }
-    }
-  },
-  {
-    product_type: "self_managed_drawdown",
-    display_name: "Self-Managed Drawdown (4% Rule)",
-    category: "diy_strategy",
-    description: "The traditional approach: accumulate in a diversified portfolio, then withdraw approximately 4% per year in retirement. Based on the Trinity Study (1998) targeting a 30-year retirement horizon.",
-    dimensions: {
-      longevity_protection: {
-        score: 1,
-        label: "None",
-        explanation: "Designed for ~30-year horizon. High failure rate at extreme longevity (35+ years). Sequence-of-returns risk in early retirement can deplete assets rapidly."
-      },
-      market_upside: {
-        score: 5,
-        label: "Very High",
-        explanation: "Full market participation \u2014 investor controls asset allocation"
-      },
-      counterparty_risk: {
-        score: 1,
-        label: "Very Low",
-        explanation: "Diversified portfolio \u2014 no single-entity risk"
-      },
-      liquidity: {
-        score: 5,
-        label: "Very High",
-        explanation: "Full access to assets at any time"
-      },
-      fees: {
-        range: "0.03-0.50%",
-        structure: "Depends on chosen funds (index funds: 0.03-0.10%)",
-        score: 5
-      },
-      minimum_investment: { amount: "Any amount", score: 5 },
-      tax_treatment: "Depends on account type and asset location strategy",
-      regulatory_oversight: "SEC (for funds held); no regulatory framework for the strategy itself",
-      portability: {
-        score: 5,
-        label: "Very High",
-        explanation: "Assets are fully yours \u2014 move anywhere"
-      },
-      death_benefit: "Full remaining portfolio value to beneficiaries",
-      inflation_protection: {
-        score: 3,
-        label: "Medium",
-        explanation: "Equity returns hedge inflation long-term, but the 4% rule uses inflation-adjusted withdrawals that can strain the portfolio in high-inflation periods"
-      },
-      complexity: {
-        score: 3,
-        label: "Medium",
-        explanation: "Requires discipline, ongoing portfolio management, and resistance to behavioral biases (overspending, panic selling). No guardrails."
-      }
-    }
   }
 ];
 var PRODUCT_COMPARISON = {
   savvly: SAVVLY_DIMENSIONS,
   comparisons: COMPARISONS,
   metadata: {
-    version: "1.0.0",
+    version: "1.2.0",
     disclaimer: "Comparisons are for informational purposes only and represent general product category characteristics. Specific products may vary. This is not investment advice. Consult a qualified financial advisor for recommendations tailored to your situation."
   }
 };
 var VALID_PRODUCT_TYPES = COMPARISONS.map((c) => c.product_type);
 
 // ../../src/mcp/version.ts
-var SERVER_VERSION = "1.0.32";
+var SERVER_VERSION = "1.0.38";
 
 // ../../src/mcp/ui/payout-chart.ts
 var PAYOUT_UI_URI = "ui://savvly/payout-chart.html";
@@ -21831,12 +21751,12 @@ var PAYOUT_CHART_HTML = `<!DOCTYPE html>
   // derives contribution_years = retirement_age \u2212 current_age on submit (the
   // schema has no retirement_age field). __ret is the synthetic derived field.
   var LUMP=[
-    ["pf_age","current_age","Current Age",'min="25" max="79" step="any"'],
+    ["pf_age","current_age","Current Age",'min="25" max="75" step="any"'],
     ["pf_amount","funding_amount","Investment Amount ($)",'min="100" step="any"'],
     ["pf_return","average_return","S&P 500 Return (%)",'min="1" max="15" step="any"']
   ];
   var MONTHLY=[
-    ["pf_age","current_age","Current Age",'min="25" max="79" step="any"'],
+    ["pf_age","current_age","Current Age",'min="25" max="75" step="any"'],
     ["pf_monthly","monthly_amount","Monthly Deposit ($)",'min="10" step="any"'],
     ["pf_ret","__ret","Retirement Age",'min="26" max="80" step="any"'],
     ["pf_return","average_return","S&P 500 Return (%)",'min="1" max="15" step="any"']
@@ -21913,7 +21833,7 @@ var PAYOUT_CHART_HTML = `<!DOCTYPE html>
   function recalc(){
     if(!mode) return;
     var base=(lastSC && lastSC.inputs) || {};
-    var age=Math.max(25,Math.min(79,Math.round(numOr("pf_age", base.current_age!=null?base.current_age:40))));
+    var age=Math.max(25,Math.min(75,Math.round(numOr("pf_age", base.current_age!=null?base.current_age:40))));
     var ret=Math.max(1,Math.min(15,Math.round(numOr("pf_return", base.average_return!=null?base.average_return:8))));
     var args, tool;
     if(mode==="lumpsum"){
@@ -22113,7 +22033,7 @@ var RETIREMENT_CHART_HTML = `<!DOCTYPE html>
   <h1>Retirement Forecast</h1>
   <div class="layout">
     <form class="controls" id="frm">
-      <div class="fld"><label for="f_age">Current Age</label><input id="f_age" type="number" min="25" max="79" step="any" inputmode="numeric" /></div>
+      <div class="fld"><label for="f_age">Current Age</label><input id="f_age" type="number" min="25" max="75" step="any" inputmode="numeric" /></div>
       <div class="fld"><label for="f_savings">Current Savings ($)</label><input id="f_savings" type="number" min="0" step="any" inputmode="numeric" /></div>
       <div class="fld"><label for="f_contrib">Monthly Contribution ($)</label><input id="f_contrib" type="number" min="0" step="any" inputmode="numeric" /></div>
       <div class="fld"><label for="f_paycheck">Retirement Paycheck ($/mo)</label><input id="f_paycheck" type="number" min="0" step="any" inputmode="numeric" /></div>
@@ -22176,7 +22096,7 @@ var RETIREMENT_CHART_HTML = `<!DOCTYPE html>
     // Copy ALL 13 inputs forward so untouched assumptions (retirement_age,
     // returns, % in Savvly, \u2026) are preserved, then override the 5 editable ones.
     var merged={},k; for(k in base){ if(Object.prototype.hasOwnProperty.call(base,k)) merged[k]=base[k]; }
-    merged.current_age=Math.max(25,Math.min(79,Math.round(numOr("f_age",base.current_age))));
+    merged.current_age=Math.max(25,Math.min(75,Math.round(numOr("f_age",base.current_age))));
     merged.current_retirement_savings=Math.max(0,numOr("f_savings",base.current_retirement_savings));
     merged.monthly_contribution=Math.max(0,numOr("f_contrib",base.monthly_contribution));
     merged.monthly_paycheck=Math.max(0,numOr("f_paycheck",base.monthly_paycheck));
@@ -22359,8 +22279,7 @@ var COMPARE_MATRIX_HTML = `<!DOCTYPE html>
   var ALTS=[
     ["fixed_annuity","Fixed annuity"],["variable_annuity","Variable annuity"],
     ["indexed_annuity","Indexed annuity"],["target_date_fund","Target-date fund"],
-    ["managed_payout_fund","Managed payout fund"],["social_security_delay","Delaying Social Security"],
-    ["self_managed_drawdown","Self-managed drawdown"]
+    ["managed_payout_fund","Managed payout fund"]
   ];
   var DIMS=[
     ["longevity_protection","Longevity protection","rating"],
@@ -22368,10 +22287,10 @@ var COMPARE_MATRIX_HTML = `<!DOCTYPE html>
     ["liquidity","Liquidity","rating"],
     ["portability","Portability","rating"],
     ["inflation_protection","Inflation protection","rating"],
-    ["counterparty_risk","Counterparty risk (lower = better)","rating"],
-    ["complexity","Complexity (lower = better)","rating"],
-    ["fees","Fees","fees"],
-    ["minimum_investment","Minimum investment","min"],
+    ["counterparty_safety","Counterparty safety","rating"],
+    ["simplicity","Simplicity","rating"],
+    ["cost_to_value","Cost-to-value","rating"],
+    ["affordability","Affordability","rating"],
     ["death_benefit","Death benefit","text"],
     ["tax_treatment","Tax treatment","text"],
     ["regulatory_oversight","Regulatory oversight","text"]
@@ -22386,8 +22305,6 @@ var COMPARE_MATRIX_HTML = `<!DOCTYPE html>
   function cell(val,type,color){
     if(val==null) return '<span class="lab" style="opacity:.5">\u2014</span>';
     if(type==="rating") return bar(val.score,color)+'<span class="lab">'+esc(val.label)+'</span>';
-    if(type==="fees") return '<span class="lab">'+esc(val.range||val.summary||"")+'</span>';
-    if(type==="min") return '<span class="lab">'+esc(val.amount!=null?val.amount:val)+'</span>';
     return '<span class="lab">'+esc(val)+'</span>';
   }
 
@@ -22620,7 +22537,7 @@ var FAQ = [
     id: "what-is-savvly",
     category: "general",
     question: "What is Savvly?",
-    answer: "Savvly is an SEC-registered investment fund offering a Longevity Benefit. Your contributions are invested in a low-cost S&P 500 ETF from Vanguard (VOO), held in custody at US Bank. At milestone ages (80, 85, 90, and 95), you receive structured payouts that include both your market growth and an additional benefit from the longevity pool.",
+    answer: "Savvly is an SEC-registered investment fund offering longevity protection. Your contributions are invested in a low-cost S&P 500 ETF from Vanguard (VOO), held in custody at U.S. Bank. At milestone ages (80, 85, 90, and 95), you receive structured payouts that include both your market growth and an additional benefit from the longevity pool.",
     related_ids: ["not-annuity", "how-longevity-pool-works"],
     keywords: ["savvly", "longevity", "retirement", "investment fund"]
   },
@@ -22636,15 +22553,15 @@ var FAQ = [
     id: "how-longevity-pool-works",
     category: "investment",
     question: "How does the longevity pool work?",
-    answer: "When investors exit the pool before reaching a payout milestone (through early withdrawal or death), their unused share may be reallocated to remaining investors. This creates an additional return above pure market performance \u2014 the longer you stay, the more you potentially benefit. This is conceptually similar to mortality credits in traditional tontines, but structured as a modern SEC-registered fund.",
+    answer: "When investors exit the pool before reaching a payout milestone (through early withdrawal or death), their unused share may be allocated to remaining investors. This creates an additional return above pure market performance \u2014 the longer you stay, the more you potentially benefit. This is conceptually similar to mortality credits / longevity-risk pooling, but structured as a modern SEC-registered fund.",
     related_ids: ["what-is-savvly", "payout-schedule"],
-    keywords: ["longevity pool", "reallocation", "mortality credits", "tontine"]
+    keywords: ["longevity pool", "allocation", "mortality credits", "longevity-risk pooling"]
   },
   {
     id: "payout-schedule",
     category: "payouts",
     question: "When and how do payouts work?",
-    answer: "Savvly distributes payouts at four milestone ages: 40% at age 80, 30% at age 85, 20% at age 90, and 10% at age 95. Each payout includes your market growth plus the longevity pool reallocation benefit. Payouts are potential outcomes based on fund participation, market performance, and pool dynamics \u2014 they are not guaranteed.",
+    answer: "Savvly distributes payouts at four milestone ages: 40% at age 80, 30% at age 85, 20% at age 90, and 10% at age 95. Each payout includes your market growth plus the longevity pool allocation benefit. Payouts are potential outcomes based on fund participation, market performance, and pool dynamics \u2014 they are not guaranteed.",
     related_ids: ["how-longevity-pool-works", "not-guaranteed"],
     keywords: ["payout", "milestone", "age 80", "age 85", "age 90", "age 95", "distribution"]
   },
@@ -22668,7 +22585,7 @@ var FAQ = [
     id: "death-before-payout",
     category: "withdrawals",
     question: "What happens if I die before reaching a payout age?",
-    answer: "Your estate receives the early withdrawal value \u2014 75% of your contribution plus 1% per year held, capped at 100%, applied to the lesser of your original investment or current market value. The remaining portion is what gets reallocated to the longevity pool for surviving investors.",
+    answer: "Your estate receives the early withdrawal value \u2014 75% of your contribution plus 1% per year held, capped at 100%, applied to the lesser of your original investment or current market value. The remaining portion is what gets allocated to the longevity pool for surviving investors.",
     related_ids: ["early-withdrawal", "how-longevity-pool-works"],
     keywords: ["death", "estate", "beneficiary", "die"]
   },
@@ -22676,7 +22593,7 @@ var FAQ = [
     id: "what-invested-in",
     category: "investment",
     question: "What is my money invested in?",
-    answer: `All contributions are invested in a low-cost S&P 500 index ETF from Vanguard (VOO), held in custody at US Bank. You get full market participation with no return caps and no floors. The expense ratio on the underlying ETF is approximately 0.03%; Savvly's own management fees are described separately under "What are the fees?".`,
+    answer: `All contributions are invested in a low-cost S&P 500 index ETF from Vanguard (VOO), held in custody at U.S. Bank. You get full market participation with no return caps and no floors. Savvly's own annual fund operating expenses are described separately under "What are the fees?".`,
     related_ids: ["what-is-savvly", "fees"],
     keywords: ["investment", "S&P 500", "ETF", "Vanguard", "VOO"]
   },
@@ -22692,7 +22609,7 @@ var FAQ = [
     id: "fees",
     category: "fees",
     question: "What are the fees?",
-    answer: "Savvly charges 55 bps (0.55%) per year on common (purchased) shares and 110 bps (1.10%) per year on tracking (allocated) shares. Because each participant holds a blend of the two, the effective fee is typically estimated in the 55-70 bps range depending on the mix. All return and payout illustrations published by Savvly are presented net of these management fees. The underlying S&P 500 ETF (VOO) carries an expense ratio of approximately 0.03%, which is separate from Savvly's fees and applies to anyone holding the ETF directly. Even at the high end, Savvly's all-in cost is significantly lower than variable annuities (2-3.5%+) or indexed annuities (0.5-2%+).",
+    answer: "Savvly's annual fund operating expenses are 55 bps (0.55%) per year on common (purchased) shares and 110 bps (1.10%) per year on tracking (allocated) shares. Because each participant holds a blend of the two, the blended annual fund operating expense is typically estimated in the 55-80 bps range depending on the mix. All return and payout illustrations published by Savvly are presented net of these operating expenses. Even at the high end, Savvly's all-in cost is significantly lower than variable annuities (2-3.5%+) or indexed annuities (0.5-2%+).",
     related_ids: ["what-invested-in", "not-annuity"],
     keywords: ["fee", "cost", "expense ratio", "charge", "bps", "basis points", "management fee"]
   },
@@ -22700,7 +22617,7 @@ var FAQ = [
     id: "tax-treatment",
     category: "tax",
     question: "How are Savvly returns taxed?",
-    answer: "Returns are subject to long-term capital gains tax treatment under current tax law (subject to change). In an employer-sponsored context, qualified Roth treatment may be available. Consult a tax professional for advice specific to your situation.",
+    answer: "Savvly Fund #3 intends to qualify as a Regulated Investment Company (RIC). Distributions are generally taxable as ordinary income or capital gain, and in-kind ETF payouts carry capital gains; held in a tax-deferred account (IRA or 401(k)) the investment is tax-deferred. Consult a tax professional for advice specific to your situation.",
     related_ids: ["employer-offering"],
     keywords: ["tax", "capital gains", "LTCG", "Roth"]
   },
@@ -22724,7 +22641,7 @@ var FAQ = [
     id: "sec-registered",
     category: "regulatory",
     question: "Is Savvly regulated?",
-    answer: "Yes. Savvly is an SEC-registered investment fund under the Investment Company Act of 1940. Savvly Advisor LLC is an SEC-registered investment adviser. Assets are held in custody at US Bank. This is a securities product, not an insurance product.",
+    answer: "Yes. Savvly is an SEC-registered investment fund under the Investment Company Act of 1940. Savvly Advisor, LLC is an SEC-registered investment adviser. Assets are held in custody at U.S. Bank. This is a securities product, not an insurance product.",
     related_ids: ["what-is-savvly", "not-annuity"],
     keywords: ["SEC", "regulated", "registered", "legal", "safe"]
   },
@@ -22753,8 +22670,8 @@ var FAQ_CATEGORIES = [
 var ELIGIBILITY = {
   age: {
     minimum: 25,
-    maximum: 79,
-    note: "Must be between 25 and 79 years old at time of initial investment"
+    maximum: 75,
+    note: "Must be between 25 and 75 years old at time of initial investment"
   },
   residency: {
     requirement: "US resident",
@@ -22764,6 +22681,11 @@ var ELIGIBILITY = {
     required: false,
     note: "No accredited investor requirement"
   },
+  max_investment: {
+    rule: "Larger of $300,000 or 0.1% of Fund assets",
+    waivable: true,
+    note: "Maximum investment per investor (waivable at the Fund's discretion)"
+  },
   channels: {
     employer: {
       available: true,
@@ -22817,7 +22739,7 @@ var QA_LIBRARY = [
     "section": "Section 1: Employees & Individuals",
     "subsection": "Understanding Savvly",
     "question": "How does Savvly work?",
-    "answer": "Contributions are pooled together and invested in market-tracking ETFs. Savvly reallocates unused payouts to participants who live to their target payout ages, giving them greater returns than the market alone. By combining market-based growth with actuarial pooling, Savvly creates the potential for a financial windfall later in life.",
+    "answer": "Contributions are pooled together and invested in a low-cost S&P 500 ETF (Vanguard's VOO). Savvly allocates unused payouts to participants who live to their target payout ages, giving them greater returns than the market alone. By combining market-based growth with actuarial pooling, Savvly creates the potential for a financial windfall later in life.",
     "footnotes": [],
     "id": "employee/understanding-savvly/how-does-savvly-work"
   },
@@ -22846,7 +22768,7 @@ var QA_LIBRARY = [
     "section": "Section 1: Employees & Individuals",
     "subsection": "Enrollment & Eligibility",
     "question": "Is there a medical exam or health requirement?",
-    "answer": "No medical exam or health history is required. Savvly is based purely on financial contributions and doesn't take your health into account. If you're younger than 80, you're eligible \u2014 no matter what.",
+    "answer": "No medical exam or health history is required. Savvly is based purely on financial contributions and doesn't take your health into account. New investors can join between ages 25 and 75.",
     "footnotes": [],
     "id": "employee/enrollment-eligibility/is-there-a-medical-exam-or-health-requirement"
   },
@@ -22882,7 +22804,7 @@ var QA_LIBRARY = [
     "section": "Section 1: Employees & Individuals",
     "subsection": "Safety & Security",
     "question": "How is my money protected?",
-    "answer": "Your money is safely invested in a low-cost S&P 500 ETF (Vanguard's VOO) and is securely held with a 3rd party custodian (US Bank). Savvly never directly manages the assets. Your account is safe no matter what happens to Savvly.",
+    "answer": "Your money is safely invested in a low-cost S&P 500 ETF (Vanguard's VOO) and is securely held with a 3rd party custodian (U.S. Bank). Savvly never directly manages the assets. Your account is safe no matter what happens to Savvly.",
     "footnotes": [],
     "id": "employee/safety-security/how-is-my-money-protected"
   },
@@ -22891,7 +22813,7 @@ var QA_LIBRARY = [
     "section": "Section 1: Employees & Individuals",
     "subsection": "Safety & Security",
     "question": "What if I pass away before collecting the benefits?",
-    "answer": "Unlike some traditional pensions, your family or estate receives all, or the vast majority, of your deposits back.",
+    "answer": "Unlike some traditional pensions, your family or estate receives the early-withdrawal value: 75% of your deposit plus 1% for each year held (capped at 100%), applied to the lesser of your deposit or its current market value.",
     "footnotes": [],
     "id": "employee/safety-security/what-if-i-pass-away-before-collecting-the-benefits"
   },
@@ -22899,12 +22821,12 @@ var QA_LIBRARY = [
     "audience": "employee",
     "section": "Section 1: Employees & Individuals",
     "subsection": "Tax & Legacy",
-    "question": "How is the Longevity Benefit taxed?",
-    "answer": "Payouts are distributed in-kind, meaning they are not taxed until the shares are sold. Then, they're taxed as a long-term investment gain. The Longevity Benefit can be set up in a qualified or non-qualified account, helping employees keep more to grow and preserve retirement wealth.",
+    "question": "How is the Savvly Longevity Benefit taxed?",
+    "answer": "Payouts are distributed in-kind, meaning they are not taxed until the shares are sold. Then, they're taxed as ordinary income or a capital gain \u2014 Savvly is structured as a regulated investment company (RIC). The Savvly Longevity Benefit can be set up in a qualified or non-qualified account, helping employees keep more to grow and preserve retirement wealth.",
     "footnotes": [
       "Savvly does not provide tax advice. Please consult your tax advisor."
     ],
-    "id": "employee/tax-legacy/how-is-the-longevity-benefit-taxed"
+    "id": "employee/tax-legacy/how-is-the-savvly-longevity-benefit-taxed"
   },
   {
     "audience": "employee",
@@ -22942,7 +22864,7 @@ var QA_LIBRARY = [
     "section": "Section 2: Financial Advisors",
     "subsection": "Positioning & Value",
     "question": "Why should I offer Savvly to my clients?",
-    "answer": "Savvly helps you deliver life-changing results. A small allocation to the Longevity Benefit addresses late-life expenses from a separate source \u2014 freeing the primary portfolio from the pressure of funding an unknown lifespan. It changes the math of retirement planning.",
+    "answer": "Savvly helps you deliver life-changing results. A small allocation to the Savvly Longevity Benefit addresses late-life expenses from a separate source \u2014 freeing the primary portfolio from the pressure of funding an unknown lifespan. It changes the math of retirement planning.",
     "footnotes": [],
     "id": "advisor/positioning-value/why-should-i-offer-savvly-to-my-clients"
   },
@@ -22951,7 +22873,7 @@ var QA_LIBRARY = [
     "section": "Section 2: Financial Advisors",
     "subsection": "Positioning & Value",
     "question": "How does Savvly help me grow my business?",
-    "answer": "New solutions help provide more business development opportunities. An old age solution can help retain and increase firm AUM. Be the generational advisor in the Great Wealth Transfer \u2014 $84 trillion will change hands in the coming decades. Many advisors will lose every dollar of it.",
+    "answer": "New solutions help provide more business development opportunities. An old age solution can help retain and increase firm AUM. Be the generational advisor in the Great Wealth Transfer \u2014 $84 trillion will change hands in the coming decades (Cerulli, 2025). Many advisors will lose every dollar of it.",
     "footnotes": [],
     "id": "advisor/positioning-value/how-does-savvly-help-me-grow-my-business"
   },
@@ -23108,7 +23030,7 @@ var QA_LIBRARY = [
     "section": "Section 3: Benefit Brokers",
     "subsection": "Implementation",
     "question": "How easy is it to set up Savvly?",
-    "answer": "We integrate with major payroll and HR platforms, including: ADP Run, ADP Workforce Now, BambooHR, Ceridian Dayforce, Gusto, Justworks, Paychex Flex, Paycom, Paycor, Paylocity, QuickBooks Online, UKG Pro, UKG Ready, and many more.",
+    "answer": "We integrate with major payroll and HR platforms, including: ADP Run, ADP Workforce Now, BambooHR, Ceridian Dayforce, Gusto, Justworks, Paychex Flex, Paycom, Paycor, Paylocity, QuickBooks Online, Rippling, UKG Pro, UKG Ready, and many more.",
     "footnotes": [],
     "id": "broker/implementation/how-easy-is-it-to-set-up-savvly"
   },
@@ -23144,7 +23066,7 @@ var QA_LIBRARY = [
     "section": "Section 4: Employers (HR & Leadership)",
     "subsection": "The Savvly Solution",
     "question": "What is Savvly?",
-    "answer": "Savvly is a pooled longevity benefit funded by employers and/or optional employee contributions. Funds are invested in low-cost ETFs in a shared longevity pool. Individuals who reach target ages (80, 85, 90, 95) receive payouts from investment growth and pooled gains. Accounts remain accessible, and any unused deposits are returned to the individual or their family.",
+    "answer": "Savvly is a pooled longevity benefit funded by employers and/or optional employee contributions. Funds are invested in a low-cost S&P 500 ETF (Vanguard's VOO) in a shared longevity pool. Individuals who reach target ages (80, 85, 90, 95) receive payouts from investment growth and pooled gains. Accounts remain accessible, and any unused deposits are returned to the individual or their family.",
     "footnotes": [],
     "id": "employer/the-savvly-solution/what-is-savvly"
   },
@@ -23216,7 +23138,7 @@ var QA_LIBRARY = [
     "section": "Section 5: Universal Hooks & Calls to Action",
     "subsection": "Problem-Framing Hooks",
     "question": "What hooks frame the problem Savvly solves?",
-    "answer": "2 in 3 Americans fear running out of money more than death. \u2014 46% of today's 65-year-olds can expect to live past 90. \u2014 66% of people run out of money before they reach 85. \u2014 A retiree can expect to spend an average of $315,000 on healthcare. \u2014 Retirement planning has a blind spot. \u2014 $84 trillion will change hands in the coming decades.",
+    "answer": "2 in 3 Americans fear running out of money more than death. \u2014 46% of today's 65-year-olds can expect to live past 90. \u2014 66% of people run out of money before they reach 85. \u2014 A retiree can expect to spend an average of $315,000 on healthcare. \u2014 Retirement planning has a blind spot. \u2014 $84 trillion will change hands in the coming decades (Cerulli, 2025).",
     "footnotes": [],
     "id": "universal/problem-framing-hooks/what-hooks-frame-the-problem-savvly-solves"
   },
@@ -23226,7 +23148,9 @@ var QA_LIBRARY = [
     "subsection": "Product Differentiation Hooks",
     "question": "What hooks differentiate Savvly from competitors?",
     "answer": "If you think about term life insurance, Savvly is the opposite. \u2014 The power of pooling. \u2014 Can have 3\u20134x the potential returns of investing alone. \u2014 Affordable financial security for life, finally within your reach. \u2014 Create A Later Life Windfall You Can Count On. \u2014 We think longevity should be celebrated with a later life windfall.",
-    "footnotes": [],
+    "footnotes": [
+      "Please refer to the disclosures and assumptions for details. Individual outcomes will vary."
+    ],
     "id": "universal/product-differentiation-hooks/what-hooks-differentiate-savvly-from-competitors"
   },
   {
@@ -23234,7 +23158,7 @@ var QA_LIBRARY = [
     "section": "Section 5: Universal Hooks & Calls to Action",
     "subsection": "Calls to Action by Audience",
     "question": "What CTAs work for employees/individuals?",
-    "answer": "Contact your financial adviser to understand whether Savvly's Longevity Benefit can work for you. \u2014 Visit our estimator on the Savvly website to test out different life scenarios. \u2014 Download the app to get started! \u2014 Email us at info@savvly.com or schedule a call on savvly.com.",
+    "answer": "Contact your financial adviser to understand whether the Savvly Longevity Benefit can work for you. \u2014 Visit our estimator on the Savvly website to test out different life scenarios. \u2014 Download the app to get started! \u2014 Email us at info@savvly.com or schedule a call on savvly.com.",
     "footnotes": [],
     "id": "universal/calls-to-action-by-audience/what-ctas-work-for-employees-individuals"
   },
@@ -23254,7 +23178,7 @@ var QA_LIBRARY = [
     "question": "What CTAs work for benefit brokers and employers?",
     "answer": "Book a Demo or Learn more at savvly.com. \u2014 Ready to offer a benefit that lasts a lifetime? Book a demo or explore our payout estimator online. \u2014 Three steps to launch: Book a discovery call, Design your plan, Go live in days. \u2014 Learn how Savvly can help your employees build a future grounded in confidence.",
     "footnotes": [
-      "Savvly's Longevity Benefit is structured as a pooled investment plan offered through the Savvly Fund, a registered closed-end fund under the Investment Company Act of 1940. It is not a guaranteed income product, not insurance, and not FDIC insured. Participation involves investment risk, including the possible loss of principal. Payouts are contingent on factors including market performance, mortality experience, and the timing of withdrawals. Savvly Advisor, LLC is a registered investment adviser. This material is for informational purposes only and does not constitute personalized investment advice. For complete information on risks, fees, structure, and eligibility, visit savvly.com/disclosures."
+      "The Savvly Longevity Benefit is structured as a pooled investment plan offered through Savvly Fund #3, a registered closed-end fund under the Investment Company Act of 1940. It is not a guaranteed income product, not insurance, and not FDIC insured. Participation involves investment risk, including the possible loss of principal. Payouts are contingent on factors including market performance, mortality experience, and the timing of withdrawals. Savvly Advisor, LLC is a registered investment adviser. This material is for informational purposes only and does not constitute personalized investment advice. For complete information on risks, fees, structure, and eligibility, visit savvly.com/disclosures."
     ],
     "id": "universal/calls-to-action-by-audience/what-ctas-work-for-benefit-brokers-and-employers"
   }
@@ -23445,7 +23369,7 @@ var PayoutAgeRowSchema = external_exports.object({
     "USD. Upper bound of the counterfactual market alone payout at this age. May be 0 once the market alone portfolio has been depleted."
   ),
   savvly_upside_lower: external_exports.number().describe(
-    "USD. Lower bound for the incremental payout at this age attributable to Savvly's Longevity Benefit (savvly_payout \u2212 payout_market_alone)."
+    "USD. Lower bound for the incremental payout at this age attributable to Savvly's longevity benefit (savvly_payout \u2212 payout_market_alone)."
   ),
   savvly_upside_upper: external_exports.number().describe(
     "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."
@@ -23535,7 +23459,7 @@ var DisclaimerMetadataSchema = external_exports.object({
     "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: external_exports.array(external_exports.string()).describe(
-    "Verbatim bullet list of key assumptions used by the simulation (SSA tables, 8% market growth, 3% early-withdrawal rate, net of fees, etc.). Surface when a user asks what the projection assumes."
+    "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."
   ),
   risks: external_exports.array(external_exports.object({ name: external_exports.string(), text: external_exports.string() })).describe(
     "Named risks (Market, Sequence-of-Returns, Longevity, Redemption Impact). Surface when a user asks what could cause actual results to differ."
@@ -23710,7 +23634,7 @@ var RETIREMENT_FIELD_DESCRIPTIONS = {
   "age_dependent_values[].savvly_value_alone": "USD. Standalone value of the Savvly allocation at this age."
 };
 var ProductInfoOutputSchema = external_exports.object({
-  name: external_exports.string().describe("Product name (e.g. 'Savvly Longevity Benefit Fund')."),
+  name: external_exports.string().describe("Product name (e.g. 'Savvly Longevity Benefit')."),
   category: external_exports.string().describe("Product category slug, e.g. 'longevity_benefit_fund'."),
   tagline: external_exports.string().optional().describe("Short marketing tagline."),
   description: external_exports.string().optional().describe("Long-form product description.")
@@ -23729,7 +23653,7 @@ var EligibilityOutputSchema = external_exports.object({
   eligible: external_exports.boolean().describe(
     "True if every eligibility criterion (age + residency) is satisfied."
   ),
-  age_eligible: external_exports.boolean().describe("True if age falls within the 25\u201379 minimum/maximum range."),
+  age_eligible: external_exports.boolean().describe("True if age falls within the 25\u201375 minimum/maximum range."),
   residency_eligible: external_exports.boolean().describe("True if the US-residency requirement is satisfied."),
   channel: external_exports.enum(["individual", "employer", "advisor"]).describe("Distribution channel under consideration for this check."),
   criteria: external_exports.object({}).passthrough().describe(
@@ -23818,9 +23742,9 @@ function disclosureBlock() {
   };
 }
 var DISCLOSURE_REQUIRED_TERSE = "DISCLOSURE REQUIRED: display `disclosure.text` verbatim and link `disclosure.url` to the user alongside any figures from this response. Required by SEC Marketing Rule and FINRA Rule 2210 \u2014 do not paraphrase or omit.";
-var VISUALIZATION_RECOMMENDED_TERSE = "VISUALIZATION: this tool emits an interactive chart widget (MCP Apps \u2014 see `_meta.ui`). MCP-Apps-capable hosts render it inline and editable; other clients render only your text and show no chart. Do NOT draw, generate, or render your own chart, graph, or table of these numbers \u2014 there is no fallback chart for you to build, so never produce a duplicate. Do NOT claim or imply a chart is visible (avoid 'the chart above shows\u2026'); you cannot tell whether the host rendered the widget. Summarize the key figures in prose and show the `disclosure` text and link, and reference the chart only conditionally (e.g. 'if your client shows the interactive chart, its fields are editable to re-run the projection').";
+var VISUALIZATION_RECOMMENDED_TERSE = "VISUALIZATION: this tool emits an interactive chart widget (MCP Apps \u2014 see `_meta.ui`) that the HOST renders inline and editable; other clients render only your text and show no chart. That widget is the canonical chart for these numbers: do NOT draw, generate, or re-render a duplicate of it. You MAY still create your OWN, DIFFERENT visualization (e.g. a table or an alternate breakdown) and place it wherever you judge best \u2014 only the MCP App widget's position is constrained. Do NOT claim or imply a chart is visible (avoid 'the chart above shows\u2026'); you cannot tell whether the host rendered the widget. Summarize the key figures in prose and show the `disclosure` text and link, and reference the widget only conditionally (e.g. 'if your client shows the interactive chart, its fields are editable to re-run the projection'). ORDER: the MCP App widget should appear at the END, after all of your response text \u2014 lead with your written answer (figures + disclosure) and let the widget close the reply; never open with it or build your answer around it. This end-placement applies to the MCP App widget only, not to any visualization you create yourself, which may appear wherever you deem appropriate.";
 var INPUTS_OPTIONAL_NO_PROMPT_TERSE = "INPUTS: every parameter is OPTIONAL and defaults to a sensible value. Call this tool IMMEDIATELY \u2014 pass only the values the user explicitly stated and omit the rest. Do NOT ask the user for starting values, assumptions, or missing parameters before calling; the rendered widget has editable fields so they adjust age, amounts, and other assumptions inline after it appears.";
-var SAVVLY_VS_MARKET_ALONE_PAYOUT_METHODOLOGY = "Payout methodology \u2014 Savvly vs market alone: the payout values are calculated by comparing two investors of the same age committing the same principal. Investor 1 invests in the market with Savvly's Longevity Benefit Fund; Investor 2 invests in the market alone (no longevity overlay). To make the comparison apples-to-apples, at each milestone age (80, 85, 90, 95) Investor 2 withdraws from their market alone portfolio the same dollar amount Investor 1 receives as a payout from Savvly. The `payout_market_alone_*` and `total_market_alone_*` figures are therefore what Investor 2 can actually withdraw to match Savvly's payouts before running out \u2014 they fall to 0 once the market alone portfolio is depleted. The `savvly_upside_*` (and `total_savvly_upside_*`) fields quantify how much more total money Investor 1 receives in payouts from Savvly than Investor 2 is able to withdraw over time to match those payouts.";
+var SAVVLY_VS_MARKET_ALONE_PAYOUT_METHODOLOGY = "Payout methodology \u2014 Savvly vs market alone: the payout values are calculated by comparing two investors of the same age committing the same principal. Investor 1 invests in the market with the Savvly Longevity Benefit; Investor 2 invests in the market alone (no longevity overlay). To make the comparison apples-to-apples, at each milestone age (80, 85, 90, 95) Investor 2 withdraws from their market alone portfolio the same dollar amount Investor 1 receives as a payout from Savvly. The `payout_market_alone_*` and `total_market_alone_*` figures are therefore what Investor 2 can actually withdraw to match Savvly's payouts before running out \u2014 they fall to 0 once the market alone portfolio is depleted. The `savvly_upside_*` (and `total_savvly_upside_*`) fields quantify how much more total money Investor 1 receives in payouts from Savvly than Investor 2 is able to withdraw over time to match those payouts.";
 function summarizePayouts(envelope, depositType, deposited) {
   const totalSavvly = envelope.total_savvly_upper ?? null;
   const totalMarket = envelope.total_market_alone_upper ?? null;
@@ -23828,7 +23752,7 @@ function summarizePayouts(envelope, depositType, deposited) {
   const refund = envelope.early_withdrawal_value ?? null;
   const pctGain = envelope.percentage_gain_upper ?? null;
   const depositText = depositType === "single" ? `a single upfront deposit of ${formatUsd(deposited)}` : `monthly deposits totaling ${formatUsd(deposited)}`;
-  const narrative = `With ${depositText}, the Savvly Longevity Benefit could pay out roughly ${formatUsd(totalSavvly)} cumulatively through age 95 \u2014 ${formatUsd(upside)} more than investing in the market alone (${formatUsd(totalMarket)}). ` + (refund !== null ? `If the investor exits early at the chosen withdrawal age, they would get back about ${formatUsd(refund)}. ` : "") + (pctGain !== null ? `That's an illustrative ${pctGain}% return on the original investment. ` : "") + `All Savvly figures are illustrative and presented net of Savvly's management fees (55 bps on purchased shares, 110 bps on allocated shares; typically blended in the 55-70 bps range). Payouts are not guarantees. See full disclosures at ${PRODUCT.disclaimers.full_disclosures_url}.`;
+  const narrative = `With ${depositText}, the Savvly Longevity Benefit could pay out roughly ${formatUsd(totalSavvly)} cumulatively through age 95 \u2014 ${formatUsd(upside)} more than investing in the market alone (${formatUsd(totalMarket)}). ` + (refund !== null ? `If the investor exits early at the chosen withdrawal age, they would get back about ${formatUsd(refund)}. ` : "") + (pctGain !== null ? `That's an illustrative ${pctGain}% return on the original investment. ` : "") + `All Savvly figures are illustrative and presented net of Savvly's annual fund operating expenses (55 bps on purchased shares, 110 bps on allocated shares; typically blended in the 55-80 bps range). Payouts are not guarantees. See full disclosures at ${PRODUCT.disclaimers.full_disclosures_url}.`;
   return {
     deposit_type: depositType,
     deposited_amount_usd: deposited,
@@ -28064,7 +27988,7 @@ function createMcpServer() {
     "get_savvly_product_info",
     {
       title: "Get Savvly Product Info",
-      description: "Get complete product information about Savvly, an SEC-registered investment fund offering a Longevity Benefit. Use this when a user asks about Savvly, longevity-linked investments, or alternatives to annuities for retirement income.",
+      description: "Get complete product information about Savvly, an SEC-registered investment fund offering longevity protection. Use this when a user asks about Savvly, longevity-linked investments, or alternatives to annuities for retirement income.",
       outputSchema: ProductInfoOutputSchema,
       annotations: READ_ONLY_TOOL_ANNOTATIONS,
       // MCP Apps: render the product overview card inline (see uiMeta).
@@ -28087,8 +28011,6 @@ function createMcpServer() {
           "indexed_annuity",
           "target_date_fund",
           "managed_payout_fund",
-          "social_security_delay",
-          "self_managed_drawdown",
           "all"
         ]).describe("The product type to compare against Savvly, or 'all' for the full matrix")
       },
@@ -28115,9 +28037,9 @@ function createMcpServer() {
     "project_savvly_lumpsum",
     {
       title: "Project Savvly Lump-Sum Investment",
-      description: "Retirement projection for a lump-sum investment in Savvly's Longevity Benefit Fund. Returns payout amounts at each milestone age (80, 85, 90, 95) with Savvly vs market alone cumulative totals, per-age breakdowns, and server-provided `_lower`/`_upper` range bounds. Use `_upper` as the central illustrative estimate and `_lower` to communicate downside. Suitable for retirement income planning, annuity alternative analysis, and longevity benefit illustration. Response embeds SEC-style disclaimers and per-field interpretation hints under `metadata`. " + SAVVLY_VS_MARKET_ALONE_PAYOUT_METHODOLOGY + " " + DISCLOSURE_REQUIRED_TERSE + " " + VISUALIZATION_RECOMMENDED_TERSE + " " + INPUTS_OPTIONAL_NO_PROMPT_TERSE,
+      description: "Retirement projection for a lump-sum investment in the Savvly Longevity Benefit. Returns payout amounts at each milestone age (80, 85, 90, 95) with Savvly vs market alone cumulative totals, per-age breakdowns, and server-provided `_lower`/`_upper` range bounds. Use `_upper` as the central illustrative estimate and `_lower` to communicate downside. Suitable for retirement income planning, annuity alternative analysis, and longevity benefit illustration. Response embeds SEC-style disclaimers and per-field interpretation hints under `metadata`. " + SAVVLY_VS_MARKET_ALONE_PAYOUT_METHODOLOGY + " " + DISCLOSURE_REQUIRED_TERSE + " " + VISUALIZATION_RECOMMENDED_TERSE + " " + INPUTS_OPTIONAL_NO_PROMPT_TERSE,
       inputSchema: {
-        current_age: external_exports.number().int().min(25).max(79).default(40).describe("Investor's current age (default 40)"),
+        current_age: external_exports.number().int().min(25).max(75).default(40).describe("Investor's current age (default 40)"),
         funding_amount: external_exports.number().min(100).default(1e4).describe("Lump sum investment in USD (default 10000)"),
         average_return: external_exports.number().int().min(1).max(15).default(8).describe("Expected average annual S&P 500 return % (default 8)"),
         withdrawal_age: external_exports.number().int().min(25).max(120).default(82).describe("Early-withdrawal age (default 82) \u2014 drives `early_withdrawal_value` and `total_payout_at_withdrawal_age_*` in the response")
@@ -28141,9 +28063,9 @@ function createMcpServer() {
     "project_savvly_monthly",
     {
       title: "Project Savvly Monthly Contributions",
-      description: "Retirement projection for monthly contributions to Savvly's Longevity Benefit Fund over a number of years. Returns payout amounts at milestone ages 80/85/90/95 with Savvly vs market alone cumulative totals, per-age breakdowns, and server-provided `_lower`/`_upper` range bounds. Use `_upper` as the central illustrative estimate and `_lower` to communicate downside. Suitable for retirement savings planning, annuity alternative comparison, and longevity benefit illustration. Supports an optional annual contribution increase and an optional early-withdrawal age. Disclaimers + per-field hints under `metadata`. " + SAVVLY_VS_MARKET_ALONE_PAYOUT_METHODOLOGY + " " + DISCLOSURE_REQUIRED_TERSE + " " + VISUALIZATION_RECOMMENDED_TERSE + " " + INPUTS_OPTIONAL_NO_PROMPT_TERSE,
+      description: "Retirement projection for monthly contributions to the Savvly Longevity Benefit over a number of years. Returns payout amounts at milestone ages 80/85/90/95 with Savvly vs market alone cumulative totals, per-age breakdowns, and server-provided `_lower`/`_upper` range bounds. Use `_upper` as the central illustrative estimate and `_lower` to communicate downside. Suitable for retirement savings planning, annuity alternative comparison, and longevity benefit illustration. Supports an optional annual contribution increase and an optional early-withdrawal age. Disclaimers + per-field hints under `metadata`. " + SAVVLY_VS_MARKET_ALONE_PAYOUT_METHODOLOGY + " " + DISCLOSURE_REQUIRED_TERSE + " " + VISUALIZATION_RECOMMENDED_TERSE + " " + INPUTS_OPTIONAL_NO_PROMPT_TERSE,
       inputSchema: {
-        current_age: external_exports.number().int().min(25).max(79).default(40).describe("Investor's current age (default 40)"),
+        current_age: external_exports.number().int().min(25).max(75).default(40).describe("Investor's current age (default 40)"),
         monthly_amount: external_exports.number().min(10).default(100).describe("Monthly deposit in USD (default 100)"),
         contribution_years: external_exports.number().int().min(1).max(55).default(27).describe("Number of years contributing (default 27 = retirement age 67 \u2212 current age 40)"),
         average_return: external_exports.number().int().min(1).max(15).default(8).describe("Expected average annual S&P 500 return % (default 8)"),
@@ -28189,7 +28111,7 @@ function createMcpServer() {
       title: "Project Retirement Trajectory With Savvly",
       description: "Full retirement simulation showing the projected savings trajectory WITH and WITHOUT a Savvly allocation across the planning horizon (current_age \u2192 life_expectancy). Returns `gap_score`, `possible_higher_monthly_paycheck`, a server-provided headline message, and a per-year `age_dependent_values[]` timeline. Disclaimers + per-field hints under `metadata`. " + DISCLOSURE_REQUIRED_TERSE + " " + VISUALIZATION_RECOMMENDED_TERSE + " " + INPUTS_OPTIONAL_NO_PROMPT_TERSE,
       inputSchema: {
-        current_age: external_exports.number().int().min(25).max(79).default(40).describe("Current age (default 40)"),
+        current_age: external_exports.number().int().min(25).max(75).default(40).describe("Current age (default 40)"),
         retirement_age: external_exports.number().int().min(50).max(80).default(68).describe("Planned retirement age (default 68)"),
         life_expectancy: external_exports.number().int().min(60).max(120).default(100).describe("Planning horizon (default 100)"),
         monthly_contribution: external_exports.number().min(0).default(1e3).describe("Monthly retirement contribution in USD (default 1000)"),
@@ -28220,7 +28142,7 @@ function createMcpServer() {
     "check_savvly_eligibility",
     {
       title: "Check Savvly Eligibility",
-      description: "Check if a person is eligible to invest in Savvly's Longevity Benefit Fund. Eligibility is based on age (25\u201379), US residency, and distribution channel (individual, employer-sponsored, advisor-placed). Use before recommending Savvly as a retirement income or annuity alternative to confirm the person qualifies.",
+      description: "Check if a person is eligible to invest in the Savvly Longevity Benefit. Eligibility is based on age (25\u201375), US residency, and distribution channel (individual, employer-sponsored, advisor-placed). Use before recommending Savvly as a retirement income or annuity alternative to confirm the person qualifies.",
       inputSchema: {
         age: external_exports.number().int().describe("Person's current age"),
         us_resident: external_exports.boolean().default(true).describe("Whether the person is a US resident").optional(),