# ClearMind Capital (remote · clearmind-capital.com)

Fee-only fiduciary RIA in Columbus, Ohio: firm facts, published Q&A, 401(k) Scorecard previews

- Trust score: 86/100 (high trust)
- Change this week: +2
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `clearmind-capital.com`: 86/100 (this document), [markdown](https://verifymcp.io/servers/com-clearmind-capital-clearmind/clearmind-capital.md), [page](https://verifymcp.io/servers/com-clearmind-capital-clearmind/clearmind-capital)

## Channel facts

- Endpoint: `https://clearmind-capital.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 68/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1510 tokens (~215/item across 7 items; 7 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 100/100
  - No destabilizing schema changes in the last 30 days.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 7 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 8 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the ClearMind Capital MCP server?

ClearMind Capital is a hosted endpoint at https://clearmind-capital.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-clearmind-capital-clearmind 'https://clearmind-capital.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-clearmind-capital-clearmind": {
      "url": "https://clearmind-capital.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-clearmind-capital-clearmind": {
      "type": "http",
      "url": "https://clearmind-capital.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-clearmind-capital-clearmind]
url = "https://clearmind-capital.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-clearmind-capital-clearmind": {
      "type": "remote",
      "url": "https://clearmind-capital.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-clearmind-capital-clearmind --url 'https://clearmind-capital.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-clearmind-capital-clearmind:
    url: "https://clearmind-capital.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-clearmind-capital-clearmind": {
      "Transport": "http",
      "Url": "https://clearmind-capital.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-clearmind-capital-clearmind -t streamable-http -u 'https://clearmind-capital.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-clearmind-capital-clearmind": {
      "type": "http",
      "url": "https://clearmind-capital.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-03 (score 86, 0)

- [security] Stability: 0.97 → pass
- [functional] Server version: 1.3.0 → 1.3.1

### 2026-11-02 (score 86, +1)

No change was recorded against any check on this day. Stability & Change Management went from 93 to 97. That category is still filling its 30-day observation window: 28 days of observed history at the previous scan, 29 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 85, +1)

No change was recorded against any check on this day. Stability & Change Management went from 87 to 90. That category is still filling its 30-day observation window: 26 days of observed history at the previous scan, 27 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-29 (score 84, +1)

No change was recorded against any check on this day. Stability & Change Management went from 80 to 83. That category is still filling its 30-day observation window: 24 days of observed history at the previous scan, 25 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 83, +1)

No change was recorded against any check on this day. Stability & Change Management went from 73 to 77. That category is still filling its 30-day observation window: 22 days of observed history at the previous scan, 23 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-24 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 63 to 67. That category is still filling its 30-day observation window: 19 days of observed history at the previous scan, 20 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-22 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 57 to 60. That category is still filling its 30-day observation window: 17 days of observed history at the previous scan, 18 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-21 (score 80, 0)

- [functional] Server version: 1.2.0 → 1.3.0

## MCP tools (7)

### `get_firm_overview` (~128 tokens)

ClearMind Capital: firm overview

Facts about ClearMind Capital LLC, a fee-only fiduciary registered investment adviser in Columbus, Ohio: services, advisers and credentials, fee schedules, custodian, regulatory IDs (CRD), contact details, and links to the Form ADV summary and SEC record. Takes no arguments, needs no auth, and returns the same published snapshot on every call. Use for any question about the firm itself. For money topics (retirement, taxes, investing) use search_answers; to book a call use get_booking_options; for a company's 401(k) use find_401k_plan.

### `search_answers` (~205 tokens)

Search ClearMind Capital's published answers

Keyword search over ClearMind Capital's published Q&A answers and Clarity Corner articles on retirement, Social Security, taxes (including Ohio and Columbus), investing, estate planning and trusts, 401(k) and workplace retirement plans, cash balance plans, and working with a fee-only advisor. Returns the best matches, each with the published answer text and its source URL, or an empty list with browse links when nothing matches. No auth; general education only, never advice for a specific person. Use for a specific money question. To browse the library by date or topic use list_clarity_corner; for facts and fees about the firm use get_firm_overview.

Input parameters:

- `limit` (integer): Most results to return (1-10, default 5). Weak matches are dropped, so you may get fewer.
- `query` (string, required): The question or topic in plain words, e.g. 'Roth conversion before retirement'. Full questions work; no operators or quotes needed.

### `list_clarity_corner` (~165 tokens)

List Clarity Corner articles and videos

List ClearMind Capital's Clarity Corner education library, newest first, with titles, summaries, dates, and URLs. Every result also includes the full list of topic names, so call it with no arguments first to see which topics exist. No auth. Use to browse or find recent content. To answer a specific question use search_answers, which ranks by relevance instead of date.

Input parameters:

- `kind` (string): Article, Video, Short, or Podcast. Case-insensitive; plurals work.
- `limit` (integer): Most items to return (1-25, default 10).
- `topic` (string): Topic name or part of one, case-insensitive, e.g. 'Retirement' or 'tax'. Combines with kind (both must match).

### `get_booking_options` (~143 tokens)

How to contact or book a call with ClearMind Capital

Booking links and contact details so a person can reach ClearMind Capital themselves. Individuals and families (planning, investments, estate plan) book with the Private Wealth team; business owners and HR leads (401(k), cash balance plans) book with the Workplace Retirement team. Returns links, phone, email, and the client login only. This server never books, submits, or stores anyone's information; hand the links to the person. No auth. For fees, services, or adviser credentials use get_firm_overview.

Input parameters:

- `audience` (string): individual_or_family for personal planning, business_owner for a company retirement plan. Omit when unsure to get both options.

### `find_401k_plan` (~249 tokens)

Find a company's 401(k) plan

Search the public U.S. Department of Labor Form 5500-SF filings that power the ClearMind 401(k) Scorecard. Covers 401(k) plans in all 50 states and DC that file the 5500-SF (usually under 100 participants); larger plans file the full Form 5500 and are not included, and a miss returns an empty list with a link to request a hand-built Scorecard. Search by name needs the two-letter state the company files from; an EIN works in any state. Returns up to 5 plans with sponsor, city, state, plan year, participant count, and plan_id. No auth. Step 1 of 2: pass the plan_id to get_401k_scorecard_preview for the score.

Input parameters:

- `query` (string, required): Company or plan name (e.g. 'Acme Tool'), a 9-digit EIN, or a 12-digit EIN plus plan number. Dashes and spaces are ignored.
- `state` (string): Two-letter state (or DC) of the company's address on its filing, e.g. OH or TX. Required to search by name; ignored for an EIN.

### `get_401k_scorecard_preview` (~172 tokens)

ClearMind 401(k) Scorecard preview

Preview of the ClearMind 401(k) Scorecard for one plan: overall 0-100 score, band (Strength, Monitor, Priority), headline, and a short story of the plan, scored from its latest public Form 5500-SF filing, with the filing date and data source. Not an audit or compliance determination. The full five-area breakdown is on the Scorecard page, not returned here. No auth. Step 2 of 2: get the plan_id from find_401k_plan first; an unknown plan_id returns an error that says so.

Input parameters:

- `plan_id` (string, required): plan_id from find_401k_plan: 9-digit EIN plus 3-digit plan number, e.g. 341401001-001. The dash is optional.

### `estimate_2026_income_tax` (~255 tokens)

Estimate 2026 federal, state, and Columbus income tax

Runs ClearMind Capital's public 2026 income tax estimator: federal brackets (IRS Rev. Proc. 2025-32), the chosen state's 2026 brackets (all 50 states and DC; Ohio includes its statutory $332 base above $26,050), and optionally the City of Columbus 2.5% income tax. Returns each layer's tax, the combined total, the effective rate, the top federal bracket, and a bracket-by-bracket breakdown, plus the estimator page URL to cite. Input is TAXABLE income (after deductions), applied to every layer. Excludes credits, the AMT, capital-gain rates, payroll tax, and most local taxes. General education only, not advice for a specific person. No auth; nothing is stored.

Input parameters:

- `filing_status` (string): Filing status. Default single.
- `include_columbus` (boolean): Add the City of Columbus 2.5% municipal income tax (for people who live or work in Columbus).
- `state` (string): Two-letter state code (or DC). Default OH.
- `taxable_income` (number, required): Taxable income in US dollars for 2026, e.g. 150000.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-clearmind-capital-clearmind/clearmind-capital#diagnostics

## Score history

- 2026-11-05: 86
- 2026-11-04: 86
- 2026-11-03: 86
- 2026-11-02: 86
- 2026-11-01: 85
- 2026-10-31: 85
- 2026-10-30: 84
- 2026-10-29: 84
- 2026-10-28: 83
- 2026-10-27: 83
- 2026-10-26: 82
- 2026-10-25: 82
- 2026-10-24: 82
- 2026-10-23: 81
- 2026-10-22: 81
- 2026-10-21: 80
- 2026-10-20: 80
- 2026-10-19: 79
- 2026-10-18: 79
- 2026-10-17: 78
- 2026-10-16: 78
- 2026-10-15: 77
- 2026-10-14: 77
- 2026-10-13: 76
- 2026-10-12: 76
- 2026-10-10: 77
- 2026-10-05: 74
- 2026-10-04: 74

## Common questions

### What is the ClearMind Capital MCP server?

ClearMind Capital is an MCP server listed in the public MCP registry as com.clearmind-capital/clearmind. Fee-only fiduciary RIA in Columbus, Ohio: firm facts, published Q&A, 401(k) Scorecard previews. This page covers its hosted endpoint (https://clearmind-capital.com/mcp).

### Is the ClearMind Capital MCP server safe to use?

ClearMind Capital scores 86 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the ClearMind Capital MCP server expose?

ClearMind Capital exposes 7 tools: get_firm_overview, search_answers, list_clarity_corner, get_booking_options, find_401k_plan, and 2 more. Their descriptions and schemas cost roughly 1,317 tokens of context every time the server is loaded.

### Does the ClearMind Capital MCP server require authentication?

No. We connected to ClearMind Capital without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the ClearMind Capital MCP server still maintained?

ClearMind Capital is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://clearmind-capital.com/mcp
- Website: https://clearmind-capital.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-clearmind-capital-clearmind/clearmind-capital.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-clearmind-capital-clearmind/clearmind-capital.json
- HTML version of this page: https://verifymcp.io/servers/com-clearmind-capital-clearmind/clearmind-capital