uk.co.simplyestate/estate-planning

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Au dernier audit MCP Hub, le serveur MCP « uk.co.simplyestate/estate-planning » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.

Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 16 outils

• calculate_iht≈ 607 tokens

  Estimate a UK Inheritance Tax bill (2025/26 England & Wales rules). Models the nil-rate band, residence nil-rate band and its £2m taper, spousal doubling, the 40% charge, the 2027 pension change, plus optional debts, charity rate (36% at 10%+), transferred allowances and business/agricultural relief. Illustrative only — excludes lifetime-gift history.

  Paramètres, retour & exemple (15)

  Paramètres

  • married · boolean · requis
    Married or in a civil partnership (combined/doubled allowances)
  • homeValue · number · optionnel
    Value of the main home (£) — caps the residence nil-rate band
  • charityPct · number · optionnel
    Share of the net estate left to charity (%)
  • debtsValue · number · optionnel
    Mortgage, loans and funeral costs (£)
  • estateValue · number · requis
    Total estate value excluding any pension you add separately (£)
  • includeDebts · boolean · optionnel
    Deduct debts/liabilities first
  • pensionValue · number · optionnel
    Unused pension value to fold in (£)
  • includeRelief · boolean · optionnel
    Qualifying business/agricultural assets get simplified relief
  • includePension · boolean · optionnel
    Include unused pensions (the rules from 6 April 2027)
  • transferredNrb · number · optionnel
    Late spouse's unused nil-rate band (£), capped £325,000
  • transferredRnrb · number · optionnel
    Late spouse's unused residence nil-rate band (£), capped £175,000
  • leavingToCharity · boolean · optionnel
    A share of the estate is left to charity (10%+ cuts the rate to 36%)
  • reliefAssetsValue · number · optionnel
    Value of qualifying business/agricultural assets (£)
  • transferredAllowance · boolean · optionnel
    Claim a late spouse's/civil partner's unused allowances
  • leavingHomeToDescendants · boolean · requis
    Does a main home pass to children/grandchildren? Enables the residence nil-rate band

  Exemple d'appel

  {"name": "calculate_iht", "arguments": {"married": true, "estateValue": 1, "leavingHomeToDescendants": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• calculate_lpa_cost≈ 306 tokens

  Calculate the Office of the Public Guardian fees to register Lasting Powers of Attorney in England & Wales: £92 per LPA (applications received from 17 November 2025), with a 50% remission where the donor's gross annual income is under £12,000 and a full exemption on certain means-tested benefits (both claimed with form LPA120). Registration fees only — nothing about drafting costs or whether an LPA is right for someone.

  Paramètres, retour & exemple (4)

  Paramètres

  • couple · boolean · requis
    A couple making the same LPAs each (doubles the document count)
  • lpaTypes · string · requis · Property & financial affairs | Health & welfare | Both types
    Which LPA(s) — 'Both types' registers two documents per person
  • incomeUnder12k · boolean · requis
    Donor's gross annual income below £12,000 (50% remission)
  • qualifyingBenefits · boolean · requis
    Donor receives certain means-tested benefits (full exemption)

  Exemple d'appel

  {"name": "calculate_lpa_cost", "arguments": {"couple": true, "lpaTypes": "Property & financial affairs", "incomeUnder12k": true, "qualifyingBenefits": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• check_deed_of_variation≈ 324 tokens

  Check whether a deed of variation is available — guidance-only eligibility against the s.142 IHTA 1984 conditions: the hard two-year window from the date of death (HMRC does not extend it), adult beneficiaries with capacity, and the agreement of everyone whose share would reduce. Returns yes / no / depends with blockers, goal-mapped possibilities, and an honest note that ALWAYS accompanies the result. No tax outcome is promised — whether it helps depends on the whole estate.

  Paramètres, retour & exemple (4)

  Paramètres

  • goal · string · requis · redirect | charity | trust | equalise
    What the family wants the variation to achieve
  • allAgree · boolean · requis
    Those affected beneficiaries all agree to the change
  • allAdults · boolean · requis
    Every beneficiary whose share would reduce is an adult (18+) with capacity
  • deathTiming · string · requis · within_2_years | over_2_years | planning_ahead
    When the person died — the two-year window is the hard statutory gate

  Exemple d'appel

  {"name": "check_deed_of_variation", "arguments": {"goal": "redirect", "allAgree": true, "allAdults": true, "deathTiming": "within_2_years"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• check_need_probate≈ 338 tokens

  Check whether a grant of probate (or letters of administration) is LIKELY to be needed in England & Wales, from what the person owned and how they owned it. Returns a guidance verdict — likely / maybe / unlikely — with per-asset reasons and next steps. Indicative only: every bank and institution sets its OWN probate threshold and decides asset by asset, so the honest answer always includes asking each one directly.

  Paramètres, retour & exemple (5)

  Paramètres

  • allToSpouse · boolean · requis
    Everything passes to a surviving spouse/civil partner who owned it jointly
  • soleProperty · boolean · requis
    Property or land registered in the deceased's sole name
  • jointProperty · boolean · requis
    Property owned jointly — held as joint tenants it passes by survivorship
  • largestBalance · string · requis · under_5k | 5k_20k | 20k_50k | over_50k
    Largest single bank or building-society balance in their sole name
  • soleInvestments · boolean · requis
    Shares or investments held in their sole name

  Exemple d'appel

  {"name": "check_need_probate", "arguments": {"allToSpouse": true, "soleProperty": true, "jointProperty": true, "largestBalance": "under_5k", "soleInvestments": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• check_rnrb≈ 432 tokens

  Check residence nil-rate band eligibility and amount (England & Wales 2025/26): up to £175,000 per person where a home you own (or owned) passes to direct descendants, doubled for a married couple / civil partners, plus a late spouse's transferred allowance — capped at the home's value and tapered by £1 for every £2 the estate exceeds £2m. Illustrative check with plain-English reasons.

  Paramètres, retour & exemple (8)

  Paramètres

  • married · boolean · requis
    Married or in a civil partnership (combined/doubled allowance on the second death)
  • ownsHome · boolean · requis
    You own (or owned) a home that is — or was — your residence
  • homeValue · number · requis
    Value of the home (£) — caps the available allowance
  • estateValue · number · requis
    Total estate value including the home (£) — drives the £2m taper
  • transferredRnrb · number · optionnel
    Late spouse's unused residence nil-rate band (£), capped £175,000
  • passesToDescendants · boolean · requis
    The home passes to children/grandchildren (step, adopted and foster children count)
  • transferredAllowance · boolean · optionnel
    Claim a late spouse's/civil partner's unused residence allowance
  • downsizedAfterJuly2015 · boolean · optionnel
    Sold or downsized after 8 July 2015 — surfaces the downsizing-addition note (never changes the numbers)

  Exemple d'appel

  {"name": "check_rnrb", "arguments": {"married": true, "ownsHome": true, "homeValue": 1, "estateValue": 1, "passesToDescendants": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• compare_pension_2027≈ 304 tokens

  Show the Inheritance Tax impact of the April 2027 change that brings most unused pensions into the estate: the IHT before vs after, and the extra tax. Exposure only — models nothing about pension products or what to do with a pension (that is FCA-regulated advice).

  Paramètres, retour & exemple (6)

  Paramètres

  • married · boolean · requis
    Married or in a civil partnership
  • homeValue · number · optionnel
    Main home value (£) — caps the residence nil-rate band
  • estateValue · number · requis
    Estate value excluding pensions (£)
  • pensionValue · number · requis
    Unused pension value (£) — counted only in the 'from 2027' scenario
  • pensionToSpouse · boolean · optionnel
    Pension would pass to a spouse first (educational note only)
  • leavingHomeToDescendants · boolean · requis
    Does a main home pass to children/grandchildren?

  Exemple d'appel

  {"name": "compare_pension_2027", "arguments": {"married": true, "estateValue": 1, "pensionValue": 1, "leavingHomeToDescendants": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• compare_trusts≈ 167 tokens

  Recommend which UK trust types are worth discussing for a goal, with an HONEST note that always accompanies the recommendation (e.g. no trust simply avoids care fees — deliberate-deprivation rules apply with no time limit). Each trust lists what it does NOT do. 'No trust may be needed' is a valid answer.

  Paramètres, retour & exemple (1)

  Paramètres

  • goal · string · requis · care_fees | children | control | blended_family | vulnerable
    What the person is trying to achieve

  Exemple d'appel

  {"name": "compare_trusts", "arguments": {"goal": "care_fees"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• estimate_care_cost≈ 258 tokens

  Project what care home fees could cost: typical self-funder weekly ranges (sourced 2026 estimates rounded from published averages) × 52 weeks × years, by region and care type. The educate-only means-test notes are ALWAYS included — England's capital limits and Wales's single limit are stated as facts for education; there is deliberately no 'how much could you protect' computation, because no arrangement simply avoids care fees.

  Paramètres, retour & exemple (3)

  Paramètres

  • years · number · requis
    Whole years of care to project (e.g. 1, 2, 3 or 5)
  • region · string · requis · london_south_east | rest_of_england | wales
    Where the care would be
  • careType · string · requis · residential | nursing
    Residential care or nursing care

  Exemple d'appel

  {"name": "estimate_care_cost", "arguments": {"years": 1, "region": "london_south_east", "careType": "residential"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• estimate_probate_cost≈ 291 tokens

  Estimate the cost of probate in England & Wales: the HMCTS application fee (£300 where the estate is over £5,000; no fee at £5,000 or below — the same with or without a will), sealed-copy costs, and — on the professional route — typical fee ranges across the UK market (NOT the firm's fees; most professional fees attract VAT on top). Guidance, not advice.

  Paramètres, retour & exemple (4)

  Paramètres

  • hasWill · boolean · requis
    A valid will exists (grant of probate); without one, letters of administration
  • estateValue · number · requis
    Gross estate value (£) — home, savings, investments, minus debts
  • includesProperty · boolean · requis
    Estate includes a house or flat (enables the IHT-instalments note)
  • professionalRoute · boolean · requis
    true = with professional help (adds typical UK market fee ranges); false = applying yourself

  Exemple d'appel

  {"name": "estimate_probate_cost", "arguments": {"hasWill": true, "estateValue": 1, "includesProperty": true, "professionalRoute": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• get_faqs≈ 99 tokens

  Return Simply Estate's frequently-asked questions and answers (fees, regulation, IHT, trusts, wills/LPAs/probate). Optional keyword filter.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · optionnel
    Optional keyword to filter the FAQs

  Exemple d'appel

  {"name": "get_faqs", "arguments": {"query": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• gift_7_year_timeline≈ 277 tokens

  Map lifetime gifts onto the 7-year-rule timeline: which taper BAND each gift sits in and when it falls outside the estate. An EDUCATIONAL timeline of the bands and mechanics only — NOT a personal tax computation: taper relief reduces the rate of tax, never the gift's value, and it only matters where total gifts in the 7 years before death exceed the £325,000 nil-rate band (used up oldest gift first). No personal tax figures are computed.

  Paramètres, retour & exemple (1)

  Paramètres

  • gifts · array · requis
    Up to 5 gifts to place on the timeline

  Exemple d'appel

  {"name": "gift_7_year_timeline", "arguments": {"gifts": []}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• lookup_glossary≈ 102 tokens

  Look up plain-English definitions of UK estate-planning terms (IHT, trusts, LPAs, probate). Omit `term` to list all.

  Paramètres, retour & exemple (1)

  Paramètres

  • term · string · optionnel
    Term or partial term to match; omit to return the full glossary

  Exemple d'appel

  {"name": "lookup_glossary", "arguments": {"term": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• request_consultation≈ 285 tokens

  Submit a request for a FREE, no-obligation estate-planning consultation on the user's behalf. Use only with the user's explicit consent and real contact details. Returns a reference id; the Simply Estate team follows up. Estate planning here is not FCA-regulated.

  Paramètres, retour & exemple (6)

  Paramètres

  • name · string · requis
    The person's full name
  • email · string · requis
    A real email address (required if no phone)
  • phone · string · optionnel
    Phone number (optional)
  • county · string · optionnel
    County, if known
  • message · string · optionnel
    Brief description of what they'd like help with
  • service · string · optionnel · estate-planning | iht | trusts
    Area of interest

  Exemple d'appel

  {"name": "request_consultation", "arguments": {"name": "texte", "email": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• search_guides≈ 109 tokens

  Search Simply Estate's estate-planning guides (wills, IHT, LPAs, trusts, probate) by keyword. Returns titles, URLs and excerpts to cite.

  Paramètres, retour & exemple (1)

  Paramètres

  • query · string · requis
    Keywords to search guide titles, excerpts and tags

  Exemple d'appel

  {"name": "search_guides", "arguments": {"query": "texte"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• who_inherits_intestacy≈ 338 tokens

  Apply the England & Wales intestacy rules (dying without a will, rules from 26 July 2023): who inherits and how much. ALWAYS returns the warnings — e.g. a cohabiting partner inherits nothing, and jointly-owned assets usually pass outside these rules by survivorship.

  Paramètres, retour & exemple (6)

  Paramètres

  • estateValue · number · requis
    Estate passing under intestacy (£) — sole-name assets, minus debts
  • hasChildren · boolean · requis
    Any biological or legally adopted children (stepchildren don't count unless adopted)
  • maritalStatus · string · requis · married | cohabiting | single | divorced
    Legal status at death (only marriage/civil partnership counts)
  • hasPartialWill · boolean · optionnel
    A valid will covers some assets (partial intestacy)
  • hasForeignAssets · boolean · optionnel
    Property/accounts held abroad — local succession law applies
  • jointlyOwnedValue · number · optionnel
    Approx value of jointly-owned assets (£) — passes by survivorship, outside these rules

  Exemple d'appel

  {"name": "who_inherits_intestacy", "arguments": {"estateValue": 1, "hasChildren": true, "maritalStatus": "married"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• will_readiness_check≈ 255 tokens

  Score estate-planning readiness against a checklist. Pass `answers` as a map of item id → true/false (ids: has_will, will_recent, executors_named, guardians_named, lpa_property, lpa_health, wishes_recorded, assets_listed; advanced: pension_nominations, digital_assets, business_succession, foreign_assets, life_insurance_trust). Missing or false items count as gaps. Returns a band: covered / gaps / urgent.

  Paramètres, retour & exemple (3)

  Paramètres

  • answers · object · requis
    Map of checklist item id → true (in place) / false
  • hasChildren · boolean · requis
    Household includes children under 18 (enables the guardianship item)
  • includeAdvanced · boolean · optionnel
    Include the advanced/often-forgotten items

  Exemple d'appel

  {"name": "will_readiness_check", "arguments": {"answers": {}, "hasChildren": true}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://simplyestate.co.uk/api/ai/mcp