{"generated_at":"2026-10-14T20:07:22+00:00","item":{"added_at":"2026-06-21","analysis_method":"independent_manual_review_2026-10-10","assessment_status":"provisional","auth_posture":"auth_required","category":"Web Connector","confidence":"medium","description":"Model Roth conversion scenarios with RothGPT. Compare conversion amounts, tax brackets and projected after-tax outcomes. Inspect bracket-by-bracket and annual projections across retirement and inherited-IRA periods.","did":"cbc2efb1-c918-40de-a0bd-3b6ffcc80b61","documentation_url":"https://www.rothgpt.com/docs.html","editorial_description":{"extended_description":"The model breaks estimated present-value gains into tax-rate differences, required-minimum-distribution tax effects and Medicare/IRMAA impacts. Results include projected conversion and distribution rates, after-tax Roth value and conversion return relative to a portfolio benchmark.","schema_version":1,"summary":"Model Roth conversion scenarios with RothGPT.\nCompare conversion amounts, tax brackets and projected after-tax outcomes.\nInspect bracket-by-bracket and annual projections across retirement and inherited-IRA periods."},"homepage_url":"","icon":"https://www.rothgpt.com/icon-512.png","id":"cbc2efb1-c918-40de-a0bd-3b6ffcc80b61","installs":0,"last_scanned":"","license":"","long_description":"The model breaks estimated present-value gains into tax-rate differences, required-minimum-distribution tax effects and Medicare/IRMAA impacts. Results include projected conversion and distribution rates, after-tax Roth value and conversion return relative to a portfolio benchmark.","manual_assessment":"low","manual_review":{"all_findings":[{"evidence":"The complete four-tool inventory retrieves saved inputs or runs bounded Roth conversion modeling described in the listing.","reasoning":"A domain-specific deterministic analysis is not arbitrary code/query execution and no write or transaction action is exposed.","risk_type":"private_data_read","severity":"low","title":"Retirement inputs and conversion projections are read/analyzed","triggering_tools_or_skills":["get_inputs","get_conversion_ladder","get_year_detail","run_conversion_analysis"]},{"evidence":"The connector runs at https://rothgpt-mcp.onrender.com/mcp without a pinned server implementation in the packet.","reasoning":"The hosted implementation and tool behavior can change independently of this snapshot, so monitoring and runtime verification remain necessary.","risk_type":"provenance_uncertainty","severity":"low","title":"RothGPT is a mutable remote service","triggering_tools_or_skills":[]}],"assessment_status":"provisional","auth_and_scopes":"Authentication is required for the user's retirement-planning inputs; exact scopes/storage are not described.","blocked_missing_evidence":null,"confidence":"medium","displayed_risk":"low","evidence_completeness":"partial","manual_overall_risk":"low","official_sources":[{"accessed_at":"2026-10-10T20:24:37Z","url_or_path":"plutosecurity/plutonium@b749c8dc43536c794409be9805edd48063f045e2:app/data/conn/claudesec/cbc2efb1-c918-40de-a0bd-3b6ffcc80b61.json","what_it_proves":"Candidate PR #125 record identity (name \"RothGPT\", publisher, type web_connector) and 4 stored tool names; no tool descriptions stored"},{"accessed_at":"2026-09-22T10:46:07Z","url_or_path":"https://api.anthropic.com/api/directory/servers?verified_tier=anthropic,partner,community (snapshot claude-directory-all-tiers-2026-09-22.json)","what_it_proves":"Official Claude Directory listing https://claude.ai/directory/cbc2efb1-c918-40de-a0bd-3b6ffcc80b61: complete tool_names inventory (4 tools), remote streamable-http endpoint https://rothgpt-mcp.onrender.com/mcp, auth_posture auth_required, directory tier community"}],"primary_reason":"RothGPT only reads financial-planning inputs and computes Roth conversion scenarios.","provisional_risk":null,"publication_recommendation":"accept","requires_runtime_verification":true,"review_key":"claude:cbc2efb1-c918-40de-a0bd-3b6ffcc80b61","reviewed_at":"2026-10-10","reviewer_notes":"Reviewed all 4 tools. The official docs URL was inaccessible; the complete names-only inventory contains no account mutation, filing, trade or payment action.","risk_domains":{"arbitrary_network_access":"false","authz_ambiguity":"false","browser_control":"false","credential_or_admin_actions":"false","deletes_data":"false","deployment_or_infrastructure":"false","dynamic_hidden_actions":"false","filesystem_or_repo_access":"false","forwards_data_to_third_party":"true","modifies_data":"false","persistent_credentials":"true","prompt_injection_exposure":"true","provenance_uncertainty":"true","reads_private_data":"true","runs_code_or_queries":"false","sends_messages_as_user":"false","spends_or_moves_money":"false"},"tools_or_skills_reviewed":4,"tools_or_skills_total":4},"name":"RothGPT","needs_runtime_verification":true,"plutonium_url":"https://plutonium.pluto.security/detail.html?planet=claudesec&did=cbc2efb1-c918-40de-a0bd-3b6ffcc80b61&utm_source=plutonium_analysis_skill&utm_medium=claude_skill&utm_campaign=connector_risk_assessment","privacy_policy_url":"https://www.rothgpt.com/privacy.html","provisional_risk":null,"publication_recommendation":"accept","publisher":"RothGPT","publisher_url":"https://www.rothgpt.com/","remote_url":"https://rothgpt-mcp.onrender.com/mcp","repository_url":"","risk":"low","risk_severity":"low","security_risks":[{"description":"This connector can read information available to the connected account and return it to the AI. Review findings: A domain-specific deterministic analysis is not arbitrary code/query execution and no write or transaction action is exposed.","evidence":"Retirement inputs and conversion projections are read/analyzed: The complete four-tool inventory retrieves saved inputs or runs bounded Roth conversion modeling described in the listing.","manual_risk_type":"private_data_read","remediation":{"block_tool_categories":["data_exfiltration"],"steps":["Use a least-privilege account limited to the information required by the workflow.","Restrict folders, projects, tenants, and other data scopes wherever the provider allows it.","Review access logs for unexpected reads or bulk retrieval."]},"risk_type":"reads_private_data","severity":"low","title":"Retirement inputs and conversion projections are read/analyzed","triggering_tools":["get_inputs","get_conversion_ladder","get_year_detail","run_conversion_analysis"]}],"signature_status":"unknown","source_code_reviewed":false,"support_url":"privacy@rothgpt.com","tags":["network_access","oauth_required","reads_private_data","web_connector"],"tools":[{"description":"","name":"get_conversion_ladder"},{"description":"","name":"get_inputs"},{"description":"","name":"get_year_detail"},{"description":"","name":"run_conversion_analysis"}],"tools_count":4,"transport":"streamable-http","type":"web_connector","url":"https://claude.ai/directory/cbc2efb1-c918-40de-a0bd-3b6ffcc80b61","uuid":"b881398f-1ae6-567f-88b0-175ecd631cd9","verification_tier":"community","version":""},"query_key":"rothgpt rothgpt","schema_version":1,"status":"match"}