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# Private Wealth Advisory — Structured Planning Skill

## Environment

Base URL: use the `GDPEVO_ENV_BASE_URL` supplied by the harness (HTTP). All endpoints are under `/api/` and use kebab-case naming. The API is a plain JSON REST service over HTTP; no authentication is required within the staging environment. Use `curl` or equivalent. Responses are JSON arrays or objects.

### Endpoint Reference

| Endpoint | Returns | Use |
|---|---|---|
| `GET /api/clients` | Array of client objects | Look up client by `client_id` |
| `GET /api/clients/{client_id}` | Single client object | Verify or pull a specific client |
| `GET /api/retirement-accounts` | Array of IRA account objects | Get traditional/Roth balances, expected return, RMD start age, recommended conversion years |
| `GET /api/rmd-factors` | Object mapping age→factor | IRS Uniform Lifetime Table; divisor for RMD = balance / factor |
| `GET /api/life-insurance` | Array of policy objects | Death benefit, annual premium, proposed owner, contribution date, existing-policy-transfer flag |
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