# WealthSchema (remote · www.wealthschema.com)

Cited 2026 U.S. planning figures (IRS, SSA, CMS), synthetic household samples, and an AI benchmark.

- Trust score: 69/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-28

## Components

- remote · `www.wealthschema.com`: 69/100 (this document), [markdown](https://verifymcp.io/servers/com-wealthschema-mcp/api-mcp.md), [page](https://verifymcp.io/servers/com-wealthschema-mcp/api-mcp)

## Channel facts

- Endpoint: `https://www.wealthschema.com/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.0`

## 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 2026-09-28.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 8 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - 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**: 75/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 718 tokens (~89/item across 8 items; 8 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **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 8 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 9 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 WealthSchema MCP server?

WealthSchema is a hosted endpoint at https://www.wealthschema.com/api/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-wealthschema-mcp 'https://www.wealthschema.com/api/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-wealthschema-mcp": {
      "url": "https://www.wealthschema.com/api/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-wealthschema-mcp": {
      "type": "http",
      "url": "https://www.wealthschema.com/api/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-wealthschema-mcp]
url = "https://www.wealthschema.com/api/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add com-wealthschema-mcp --url 'https://www.wealthschema.com/api/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-wealthschema-mcp:
    url: "https://www.wealthschema.com/api/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-wealthschema-mcp": {
      "Transport": "http",
      "Url": "https://www.wealthschema.com/api/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-wealthschema-mcp -t streamable-http -u 'https://www.wealthschema.com/api/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-wealthschema-mcp": {
      "type": "http",
      "url": "https://www.wealthschema.com/api/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.

### 2026-09-28 (score 69, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-26 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-25 (score 67, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-24 (score 67)

First indexed and scored.

## MCP tools (8)

### `list_archetypes` (~30 tokens)

List all synthetic household archetypes (id, name, life stage, wealth tier, household type).

### `list_bundles` (~29 tokens)

List product bundles (themed household datasets) with use cases and one-time-purchase links.

### `get_sample_household` (~113 tokens)

Get one deliberately-insufficient sample household (PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, projections withheld). Free sample archetypes: F-01, A-01, H-01, H-02, S-01, R-01, RE-01, RL-01. Other archetypes are in the paid corpus.

Input parameters:

- `archetypeId` (string, required): Archetype id, e.g. 'A-01' (see list_archetypes).

### `describe_household_schema` (~21 tokens)

Describe the top-level fields of a synthetic household record.

### `get_purchase_link` (~45 tokens)

Get the one-time-purchase product URL for a bundle.

Input parameters:

- `bundleId` (string, required): Bundle id, e.g. 'B01' (see list_bundles).

### `list_reference_parameters` (~113 tokens)

List the U.S. federal financial-planning parameters for a tax year (keys, labels, domains), marking which are in the free sample. Optionally filter by domain.

Input parameters:

- `domain` (string): Optional filter: retirement | tax | social_security | medicare | health | estate.
- `tax_year` (integer): Tax year (default 2026). 2027 is filled in as the IRS, SSA and CMS publish; see https://www.wealthschema.com/rule-sets/2027.

### `get_reference_parameter` (~131 tokens)

Get a source-verified U.S. federal financial-planning parameter by key and tax year, with its value and primary-source citation. Without a paid key, only the headline free-sample figures return values.

Input parameters:

- `key` (string, required): Parameter key, e.g. 'retirement.401k.elective_deferral.under_50' (see list_reference_parameters).
- `tax_year` (integer): Tax year (default 2026). 2027 is filled in as the IRS, SSA and CMS publish; see https://www.wealthschema.com/rule-sets/2027.

### `get_planning_benchmark` (~118 tokens)

Get Planning Benchmark v2 - 50 free evaluation tasks for AI financial-advice systems with answer keys by construction: required figures cited to primary source documents, wrong-but-plausible stale values enumerated with reason codes (the Stale Figure Rate metric). Pass blind=true to omit the answer keys for blind evaluation. Scoreboard + protocol: https://www.wealthschema.com/benchmark ; commercial eval packs: https://www.wealthschema.com/ai-eval-sets

Input parameters:

- `blind` (boolean): Omit answer keys.

## Diagnostics

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

## Score history

- 2026-09-28: 69
- 2026-09-27: 68
- 2026-09-26: 68
- 2026-09-25: 67
- 2026-09-24: 67

## Common questions

### What is the WealthSchema MCP server?

WealthSchema is an MCP server listed in the public MCP registry as com.wealthschema/mcp. Cited 2026 U.S. planning figures (IRS, SSA, CMS), synthetic household samples, and an AI benchmark. This page covers its hosted endpoint (https://www.wealthschema.com/api/mcp).

### Is the WealthSchema MCP server safe to use?

WealthSchema scores 69 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 WealthSchema MCP server expose?

WealthSchema exposes 8 tools: list_archetypes, list_bundles, get_sample_household, describe_household_schema, get_purchase_link, and 3 more. Their descriptions and schemas cost roughly 600 tokens of context every time the server is loaded.

### Does the WealthSchema MCP server require authentication?

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

### Is the WealthSchema MCP server still maintained?

WealthSchema is still listed as active in the MCP registry. We last reached this channel on 28 September 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://www.wealthschema.com/api/mcp
- Website: https://www.wealthschema.com/for-agents
- Changelog RSS feed: https://verifymcp.io/servers/com-wealthschema-mcp/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-wealthschema-mcp/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-wealthschema-mcp/api-mcp