LunaTerminal

Screen draft client communications (emails, letters, social posts, meeting notes) for common FINRA/SEC communication-rule problems, including guarantees, misleading projections, pressure tactics, testimonials, specific recommendations, tax claims, missing performance disclosures, and Social Security or account numbers. Returns a status (clear, review or revise), findings with suggested revisions, and disclosure language for the firm’s compliance review.

Which tracked institutional managers held a stock in their latest quarterly SEC 13F filings: value, shares, portfolio weight and whether they bought, added or reduced, plus managers that sold out.

What tracked hedge funds did in their latest 13F filings. view: consensus (most bought and sold, new and closed positions), crowding (stocks in the most managers' top tens), mostHeld, rotation (money moving between sectors), funds (the tracked managers).

A U.S. economic series from FRED: fedfunds (effective fed funds rate), treasury10y, inflation, unemployment, cpi or gdp. Returns the latest value, its date and recent history.

Recent headlines for one symbol, or the day's market headlines when no symbol is given, with publisher, time and link.

The Fear & Greed market sentiment index (0 = extreme fear, 100 = extreme greed) with its previous close, one week, one month and one year ago.

Daily (or intraday for 1D and 5D) price history for one symbol over a range, with the period return, high and low. Returns up to 400 points.

Latest quotes for up to 25 stocks, ETFs, indices or currency pairs (e.g. EUR/USD): last price, change, day range, previous close, volume and 52-week range, each with its observation time and provider.

Price, daily change, day and 52-week range, market cap, valuation (P/E, forward P/E, EPS, dividend yield), company profile (sector, industry, CEO, employees, description), revenue and margins, the next earnings date and the ETFs that hold it, for one stock or ETF. Includes the as-of time and source.

The latest U.S. Treasury daily par yield curve, from 1 month to 30 years.

Work out the distribution rules for an inherited IRA under the SECURE Act final regulations (T.D. 10001) and IRS Pub. 590-B: the beneficiary class (eligible designated, designated or non-designated), whether the owner died before or after the required beginning date, the rule that applies (life expectancy, 10-year with or without annual RMDs, 5-year), the deadline to empty the account, this year's required minimum from the Single Life Expectancy Table, and four ways to drain it (back-loaded, even, front-loaded, fill a bracket) compared on federal tax in 2026 dollars and after-tax value. No names or account numbers are needed.

Review a household's holdings against a target model or custom allocation. Returns value by asset class and account, allocation drift, single-stock concentration, tax-loss harvesting candidates, unrealized gains, stress tests, and an asset-location score with suggestions. Missing prices are fetched from live quotes.

Build a tax-aware rebalancing trade list that brings holdings back to the target model or custom allocation, optionally investing new cash. Sells come from tax-advantaged accounts first, then taxable lots with losses, then the smallest gains; proceeds stay in the account that raised them. Returns each trade (account, symbol, dollars, estimated shares, estimated realized gain and tax), totals, the allocation after the trades, wash-sale and concentration warnings, and notes. Takes the same holdings, prices and target inputs as portfolio_review; missing prices are fetched from live quotes. Trades are estimates for advisor review, not orders.

Run a retirement Monte Carlo simulation in today's dollars: probability that savings last through the planning age, the range of portfolio values at retirement and at the end, median depletion age when paths fail, the initial withdrawal rate, the effect of three levers (save more, retire two years later, spend 10% less) and the highest spending that keeps the target success rate. Required: currentAge, retirementAge, planToAge, savings and spending. Return and volatility default to afa's capital market assumptions for the chosen model (a step more conservative in retirement); other optional inputs default to 0, and inflation to 2.5%. Results are hypothetical.

Score the eight-question risk questionnaire and map the client to a model portfolio. Four questions measure capacity to absorb losses and four measure willingness to take risk. The profile uses the lower of the two. With no answers, the result contains the questions and choices. With eight answers scored from 1 to 5, it returns the profile, score, rationale, model allocation, and illustrative return and volatility.

Compare Roth conversion strategies year by year under 2026 federal tax law in today's dollars: no conversions versus filling the 12%, 22%, 24% or 32% bracket each year until RMDs start (or stopAge). Models RMDs, Social Security taxation, the senior deduction, a flat state tax and heirs' tax on the remaining traditional balance, and flags IRMAA years. Returns each strategy's lifetime tax, after-tax wealth and amount converted, the best strategy by after-tax wealth, its year-by-year schedule, and the assumptions. Required: filingStatus, birthYear and traditional balance.

Screen stocks on up to 20 fundamentals, each with an optional minimum and maximum (market cap in billions; growth, yield, margins and returns in percent). Returns matching stocks with price, change, market cap, P/E, forward P/E and EPS.

Find ticker symbols by company or fund name, e.g. "nvidia" or "vanguard total".

Compare Social Security claiming ages 62-70 for a single client or a couple (all 81 combinations), including spousal top-ups, survivor benefits and delayed credits, ranked by present value in today's dollars. Returns the best available strategy, the top ten, claiming at 62, 67 and 70 for comparison, breakeven ages for the primary and the assumptions. PIA is the monthly benefit at full retirement age from the client's SSA statement.

Estimate a household's 2026 federal income tax, net investment income tax (3.8%), alternative minimum tax and resident state income tax in one pass. States: CA, NY, PA, IL, OH, GA, NC, MI, TX, FL, NV, SD, WY, AK, TN, NH, WA (the ten most populous plus states without a wage income tax; Washington's capital gains tax included). Each state's figures carry the year they come from; every result says which rules were applied. Standard deductions only; local income taxes and most credits are not modeled.

Classify the text of an incoming client email and detect fraud red flags such as new banking details or requests to avoid a phone call. Returns the risk level, urgency, complaint logging flag, and suggested steps for the advisor, including verification by phone when fraud or account takeover is suspected.