diff --git a/servers/sh-mcp-finance/README.md b/servers/sh-mcp-finance/README.md
new file mode 100644
index 0000000..f8c2a24
--- /dev/null
+++ b/servers/sh-mcp-finance/README.md
@@ -0,0 +1,81 @@
+# sh-mcp-finance
+
+Finance-tier Sea Haven MCP server. Exposes the **finance** tool registry
+(qbo `search_vendors`, payments `lookup_payment_by_*` — see `docs/design.md §3`)
+over the same two interfaces as `sh-mcp-ops` (MCP Streamable HTTP + OpenAPI 3.1),
+through the same shared dispatch path.
+
+Finance is **sensitive, read-only, and fully audited**: every tool call emits a
+structured audit record and the response is redacted on egress (bank account /
+routing / card / SSN / tax-id masked) before it leaves the server
+(`docs/design.md §2.5, §7.3`).
+
+## Run locally (no AWS, no Cognito)
+
+```bash
+npm install
+npm run build
+
+SH_MCP_ENV=local PORT=8082 npm run start -w @sh-mcp/server-finance
+# or:  SH_MCP_ENV=local npm run dev -w @sh-mcp/server-finance
+```
+
+### Endpoints
+
+Identical shape to `sh-mcp-ops`: `GET /healthz`, `GET /openapi.json` (both
+unauthenticated), `POST /mcp`, and `POST /tools/:name` (both authenticated).
+
+### Dev bearer tokens (local only)
+
+| Token               | Identity                   | Scopes                                      |
+| ------------------- | -------------------------- | ------------------------------------------- |
+| `dev-finance`       | accounting@seahavenind.com | `ops:read`, `finance:read`                  |
+| `dev-finance-admin` | adam@seahavenind.com       | `ops:read`, `finance:read`, `finance:admin` |
+
+Ops-tier tokens (`dev-ops-only`, `dev-assistant`) are **rejected** by this server
+(audience binding).
+
+### Sample curl — redaction on egress
+
+```bash
+TOKEN=dev-finance
+
+curl -s -X POST localhost:8082/tools/lookup_payment_by_vendor \
+  -H "Authorization: Bearer $TOKEN" -H 'Content-Type: application/json' \
+  -d '{"vendor":"Harbor"}' | jq
+# → bankAccountNumber / bankRoutingNumber / cardNumber are "[REDACTED]";
+#   vendor, amount, invoice number are intact.
+```
+
+Each call writes one structured audit line to stdout (CloudWatch in Lambda):
+
+```json
+{
+  "kind": "audit",
+  "sub": "...",
+  "tool": "lookup_payment_by_vendor",
+  "argsHash": "<sha256>",
+  "decision": "allow",
+  "result": "ok",
+  "ts": "..."
+}
+```
+
+Args are **hashed, never logged raw** — secrets never reach the audit log.
+
+### MCP Inspector
+
+Point it at `http://localhost:8082/mcp` (Streamable HTTP) with
+`Authorization: Bearer dev-finance`.
+
+## Environment
+
+Same as `sh-mcp-ops` plus `PAYMENTS_TABLE` (aws mode). Finance additionally
+applies the **15-minute TTL ceiling** on `finance:*` tokens in `aws` mode
+(`docs/design.md §2.5`). `aws` mode is not runtime-exercised in Phase 1.
+
+## CDK
+
+`cdk/app.ts` is a **synth-only** placeholder (no real IAM/Cognito/WAF) — the
+finance least-privilege role and audit wiring land in a later phase behind the
+mandatory IAM cross-review.
diff --git a/servers/sh-mcp-finance/cdk.json b/servers/sh-mcp-finance/cdk.json
new file mode 100644
index 0000000..9e92cc2
--- /dev/null
+++ b/servers/sh-mcp-finance/cdk.json
@@ -0,0 +1,7 @@
+{
+  "app": "tsx cdk/app.ts",
+  "output": "cdk.out",
+  "context": {
+    "@aws-cdk/core:newStyleStackSynthesis": true
+  }
+}
diff --git a/servers/sh-mcp-finance/cdk/app.ts b/servers/sh-mcp-finance/cdk/app.ts
new file mode 100644
index 0000000..44c161d
--- /dev/null
+++ b/servers/sh-mcp-finance/cdk/app.ts
@@ -0,0 +1,30 @@
+/**
+ * sh-mcp-finance — synth-only CDK app (build-plan §6).
+ *
+ * Exists ONLY so the CI `cdk synth` gate has a valid app to synthesize. Defines
+ * NO real IAM/Cognito/API-Gateway/WAF resources (those need the mandatory human
+ * IAM cross-review). The real stack — including the finance least-privilege role
+ * and audit wiring (design.md §2.5) — is a later phase.
+ *
+ * TODO(phase-2): real stack — gated on Cognito + IAM cross-review (design.md §8).
+ */
+
+import { App, Stack, CfnOutput, type StackProps } from 'aws-cdk-lib';
+import type { Construct } from 'constructs';
+
+class ShMcpFinanceStack extends Stack {
+  constructor(scope: Construct, id: string, props?: StackProps) {
+    super(scope, id, props);
+
+    new CfnOutput(this, 'PlatformTier', {
+      value: 'finance',
+      description: 'sh-mcp-finance trust tier (synth-only placeholder; design.md §3).',
+    });
+  }
+}
+
+const app = new App();
+new ShMcpFinanceStack(app, 'sh-mcp-finance', {
+  description: 'Sea Haven MCP finance-tier server (synth-only stub — no real infra yet).',
+});
+app.synth();
diff --git a/servers/sh-mcp-finance/package.json b/servers/sh-mcp-finance/package.json
new file mode 100644
index 0000000..ee18c27
--- /dev/null
+++ b/servers/sh-mcp-finance/package.json
@@ -0,0 +1,36 @@
+{
+  "name": "@sh-mcp/server-finance",
+  "version": "0.1.0",
+  "description": "Sea Haven MCP finance-tier server — MCP (Streamable HTTP) + OpenAPI 3.1 over the finance tool registry, fully audited",
+  "license": "UNLICENSED",
+  "private": true,
+  "type": "module",
+  "main": "dist/index.js",
+  "types": "dist/index.d.ts",
+  "scripts": {
+    "dev": "tsx watch src/index.ts",
+    "start": "node dist/index.js",
+    "build": "tsc --project tsconfig.json",
+    "typecheck": "tsc --noEmit",
+    "test": "vitest run",
+    "test:watch": "vitest",
+    "synth": "cdk synth >/dev/null"
+  },
+  "engines": {
+    "node": ">=24"
+  },
+  "dependencies": {
+    "@sh-mcp/payments": "*",
+    "@sh-mcp/qbo": "*",
+    "@sh-mcp/shared": "*",
+    "express": "5.2.1"
+  },
+  "devDependencies": {
+    "@types/node": "^22.0.0",
+    "aws-cdk-lib": "2.260.0",
+    "constructs": "10.6.0",
+    "tsx": "4.22.4",
+    "typescript": "^5.5.0",
+    "vitest": "^2.0.0"
+  }
+}
diff --git a/servers/sh-mcp-finance/src/app.ts b/servers/sh-mcp-finance/src/app.ts
new file mode 100644
index 0000000..1b2f712
--- /dev/null
+++ b/servers/sh-mcp-finance/src/app.ts
@@ -0,0 +1,57 @@
+/**
+ * sh-mcp-finance application assembly.
+ *
+ * Same shared host as ops, but the registry holds finance-tier tools — so every
+ * call is audited and redacted on egress by the shared dispatcher (design.md
+ * §2.5, §7.3). Exported separately from `index.ts` for tests.
+ */
+
+import {
+  ConsoleAuditLogger,
+  InMemoryRateLimiter,
+  createApp,
+  type DispatchDeps,
+} from '@sh-mcp/shared';
+import type { Express } from 'express';
+
+import { buildFinanceRegistry } from './registry.js';
+import { buildFinanceAuthProvider } from './auth.js';
+import { loadFinanceConfig, type FinanceConfig } from './config.js';
+
+export interface BuildAppResult {
+  app: Express;
+  config: FinanceConfig;
+}
+
+export function buildFinanceApp(configOverride?: FinanceConfig): BuildAppResult {
+  const config = configOverride ?? loadFinanceConfig();
+  const registry = buildFinanceRegistry(config);
+  const authProvider = buildFinanceAuthProvider(config);
+
+  const deps: DispatchDeps = {
+    auditLogger: new ConsoleAuditLogger(),
+    // Finance is read-only and lower-volume; cap tighter than ops.
+    rateLimiter: new InMemoryRateLimiter({
+      sessionCap: 100,
+      perToolLimit: 30,
+      windowMs: 60_000,
+    }),
+  };
+
+  const app = createApp({
+    registry,
+    authProvider,
+    deps,
+    mcpInfo: { name: 'sh-mcp-finance', version: '0.1.0' },
+    openApi: {
+      info: {
+        title: 'Sea Haven MCP — Finance',
+        version: '0.1.0',
+        description: 'Finance-tier tools (sensitive, read-only, audited). design.md §3.',
+      },
+      servers: [{ url: `http://localhost:${config.port}`, description: 'local' }],
+    },
+  });
+
+  return { app, config };
+}
diff --git a/servers/sh-mcp-finance/src/auth.ts b/servers/sh-mcp-finance/src/auth.ts
new file mode 100644
index 0000000..f85b7c9
--- /dev/null
+++ b/servers/sh-mcp-finance/src/auth.ts
@@ -0,0 +1,31 @@
+/**
+ * sh-mcp-finance AuthProvider selection.
+ *
+ * `aws`   → CognitoAuthProvider with the finance TTL ceiling + finance scope
+ *           prefix (design.md §2.5).
+ * `local` → LocalAuthProvider (dev bearer tokens; refuses to build unless
+ *           SH_MCP_ENV=local).
+ */
+
+import {
+  CognitoAuthProvider,
+  LocalAuthProvider,
+  defaultLocalPrincipals,
+  type AuthProvider,
+} from '@sh-mcp/shared';
+
+import type { FinanceConfig } from './config.js';
+
+export function buildFinanceAuthProvider(config: FinanceConfig): AuthProvider {
+  if (config.env === 'aws') {
+    if (!config.cognito) {
+      throw new Error('Cognito config missing in aws mode.');
+    }
+    return new CognitoAuthProvider(config.cognito);
+  }
+  return new LocalAuthProvider({
+    audience: config.audience,
+    principals: defaultLocalPrincipals(),
+    env: 'local',
+  });
+}
diff --git a/servers/sh-mcp-finance/src/config.ts b/servers/sh-mcp-finance/src/config.ts
new file mode 100644
index 0000000..6724187
--- /dev/null
+++ b/servers/sh-mcp-finance/src/config.ts
@@ -0,0 +1,66 @@
+/**
+ * sh-mcp-finance configuration — read entirely from the environment.
+ *
+ * Like ops, nothing is hardcoded (build-plan §7). Finance additionally applies
+ * the 15-minute TTL ceiling on finance-scoped tokens (design.md §2.5).
+ */
+
+import { cognitoIssuer, cognitoJwks, type CognitoAuthConfig } from '@sh-mcp/shared';
+
+export type Env = 'local' | 'aws';
+
+export interface FinanceConfig {
+  env: Env;
+  port: number;
+  audience: string;
+  cognito?: CognitoAuthConfig;
+  paymentsTable?: string;
+}
+
+const AUDIENCE = 'sh-mcp-finance';
+const SCOPE_PREFIX = 'sh-mcp-finance';
+/** design.md §2.5: finance:* tokens must be short-lived (≤ 15 min). */
+const FINANCE_TTL_SECONDS = 15 * 60;
+
+function readEnv(name: string): string | undefined {
+  const v = process.env[name];
+  return v !== undefined && v.length > 0 ? v : undefined;
+}
+
+export function loadFinanceConfig(): FinanceConfig {
+  const rawEnv = readEnv('SH_MCP_ENV') ?? 'local';
+  if (rawEnv !== 'local' && rawEnv !== 'aws') {
+    throw new Error(`SH_MCP_ENV must be "local" or "aws" (got "${rawEnv}").`);
+  }
+  const env = rawEnv;
+  const port = Number(readEnv('PORT') ?? '8082');
+
+  const base: FinanceConfig = { env, port, audience: AUDIENCE };
+
+  if (env === 'aws') {
+    const region = readEnv('AWS_REGION') ?? 'us-east-1';
+    const userPoolId = required('COGNITO_USER_POOL_ID');
+    const allowedClientIds = required('COGNITO_ALLOWED_CLIENT_IDS')
+      .split(',')
+      .map((s) => s.trim())
+      .filter(Boolean);
+    base.cognito = {
+      issuer: cognitoIssuer(region, userPoolId),
+      audience: AUDIENCE,
+      allowedClientIds,
+      scopePrefix: SCOPE_PREFIX,
+      jwks: cognitoJwks(region, userPoolId),
+      maxTtlSeconds: FINANCE_TTL_SECONDS,
+      ttlGuardedScopes: ['finance:read', 'finance:admin'],
+    };
+    base.paymentsTable = readEnv('PAYMENTS_TABLE');
+  }
+
+  return base;
+}
+
+function required(name: string): string {
+  const v = readEnv(name);
+  if (!v) throw new Error(`Missing required env var ${name} for SH_MCP_ENV=aws.`);
+  return v;
+}
diff --git a/servers/sh-mcp-finance/src/index.ts b/servers/sh-mcp-finance/src/index.ts
new file mode 100644
index 0000000..46944fa
--- /dev/null
+++ b/servers/sh-mcp-finance/src/index.ts
@@ -0,0 +1,39 @@
+/**
+ * sh-mcp-finance entrypoint. The only place a listener is created
+ * (build-plan §2.1). A Lambda `handler` placeholder is exported for a future
+ * phase but is not depended on here.
+ */
+
+import { buildFinanceApp } from './app.js';
+
+export { buildFinanceApp } from './app.js';
+
+function main(): void {
+  const { app, config } = buildFinanceApp();
+  app.listen(config.port, () => {
+    console.log(
+      JSON.stringify({
+        msg: 'sh-mcp-finance listening',
+        env: config.env,
+        port: config.port,
+        endpoints: ['/mcp', '/openapi.json', 'POST /tools/:name', '/healthz'],
+      }),
+    );
+  });
+}
+
+/** Placeholder Lambda handler for a future phase — intentionally throws. */
+export function handler(): never {
+  throw new Error('Lambda handler is not implemented in Phase 1; run the HTTP server.');
+}
+
+const invokedDirectly =
+  process.argv[1] !== undefined && import.meta.url === `file://${process.argv[1]}`;
+if (invokedDirectly) {
+  try {
+    main();
+  } catch (err) {
+    console.error('Failed to start sh-mcp-finance:', err);
+    process.exit(1);
+  }
+}
diff --git a/servers/sh-mcp-finance/src/registry.ts b/servers/sh-mcp-finance/src/registry.ts
new file mode 100644
index 0000000..c3a4428
--- /dev/null
+++ b/servers/sh-mcp-finance/src/registry.ts
@@ -0,0 +1,46 @@
+/**
+ * sh-mcp-finance tool registry — composition root.
+ *
+ * Registers exactly the finance-tier tools (design.md §3): qbo (search_vendors)
+ * and payments (lookup_payment_by_*). Every finance tool call is audited and
+ * redacted on egress by the shared dispatcher (design.md §2.5, §7.3).
+ *
+ * As with ops, we call each factory with an explicit client rather than
+ * importing a pre-wired `tools` array, to keep import-time side-effect free
+ * (build-plan §7).
+ */
+
+import { ToolRegistry, type ToolDef } from '@sh-mcp/shared';
+
+import {
+  makeSearchVendorsTool,
+  QboClientImpl,
+  type QboClientInterface,
+  InMemoryQboClient,
+} from '@sh-mcp/qbo';
+import {
+  makePaymentsTools,
+  DynamoPaymentsClient,
+  type PaymentsClient,
+  InMemoryPaymentsClient,
+} from '@sh-mcp/payments';
+
+import type { FinanceConfig } from './config.js';
+
+/** Build the finance registry for the given environment. */
+export function buildFinanceRegistry(config: FinanceConfig): ToolRegistry {
+  const local = config.env === 'local';
+
+  const qboClient: QboClientInterface = local ? new InMemoryQboClient() : new QboClientImpl();
+  const paymentsClient: PaymentsClient = local
+    ? new InMemoryPaymentsClient()
+    : new DynamoPaymentsClient(config.paymentsTable);
+
+  const registry = new ToolRegistry();
+  const all: ToolDef<unknown, unknown>[] = [
+    makeSearchVendorsTool(qboClient),
+    ...makePaymentsTools(paymentsClient),
+  ].map((t) => t as ToolDef<unknown, unknown>);
+  for (const tool of all) registry.register(tool);
+  return registry;
+}
diff --git a/servers/sh-mcp-finance/tsconfig.json b/servers/sh-mcp-finance/tsconfig.json
new file mode 100644
index 0000000..2872b4f
--- /dev/null
+++ b/servers/sh-mcp-finance/tsconfig.json
@@ -0,0 +1,14 @@
+{
+  "extends": "../../tsconfig.base.json",
+  "compilerOptions": {
+    "outDir": "dist",
+    "rootDir": "src",
+    "declarationDir": "dist"
+  },
+  "include": ["src"],
+  "references": [
+    { "path": "../../packages/shared" },
+    { "path": "../../packages/payments" },
+    { "path": "../../packages/qbo" }
+  ]
+}
diff --git a/servers/sh-mcp-ops/README.md b/servers/sh-mcp-ops/README.md
new file mode 100644
index 0000000..3d56def
--- /dev/null
+++ b/servers/sh-mcp-ops/README.md
@@ -0,0 +1,97 @@
+# sh-mcp-ops
+
+Operations-tier Sea Haven MCP server. Exposes the **ops** tool registry
+(internal-data, knowledge-base, google-maps, gmail, calendar, tasks, reminders —
+see `docs/design.md §3`) over **two universal interfaces backed by one shared
+dispatch path**:
+
+- **MCP** (Streamable HTTP) at `POST /mcp` — via `@modelcontextprotocol/sdk`.
+- **OpenAPI 3.1** — full document at `GET /openapi.json`, plus one
+  `POST /tools/{tool-name}` endpoint per tool.
+
+All scope enforcement, audience binding, input validation, rate limiting, and
+audit logging live in `@sh-mcp/shared` (`executeTool`) and are identical across
+both interfaces (`docs/design.md §2.5`).
+
+## Run locally (no AWS, no Cognito)
+
+```bash
+# from the repo root
+npm install
+npm run build            # or: npx tsc -b
+
+SH_MCP_ENV=local PORT=8081 npm run start -w @sh-mcp/server-ops
+# or live-reload:  SH_MCP_ENV=local npm run dev -w @sh-mcp/server-ops
+```
+
+`SH_MCP_ENV=local` wires **in-memory dev clients** (seeded fake data, no network)
+and the `LocalAuthProvider`, which maps dev bearer tokens to identities. The
+local provider refuses to construct unless `SH_MCP_ENV=local`.
+
+### Endpoints
+
+| Method | Path                 | Auth | Notes                                  |
+| ------ | -------------------- | ---- | -------------------------------------- |
+| GET    | `/healthz`           | no   | `{ "status": "ok" }`                   |
+| GET    | `/openapi.json`      | no   | full OpenAPI 3.1 document              |
+| POST   | `/mcp` (+GET/DELETE) | yes  | MCP Streamable HTTP                    |
+| POST   | `/tools/:name`       | yes  | one-shot tool call, JSON in / JSON out |
+
+### Dev bearer tokens (local only)
+
+| Token           | Identity                 | Scopes                                       |
+| --------------- | ------------------------ | -------------------------------------------- |
+| `dev-ops-only`  | ops-only@seahavenind.com | `ops:read`, `ops:tasks`                      |
+| `dev-assistant` | lauren@seahavenind.com   | + `gmail:self`, `calendar:self`              |
+| `dev-ops-admin` | adam@seahavenind.com     | `ops:read`, `ops:tasks`, gmail/calendar self |
+
+Tokens minted for a different tier (e.g. `dev-finance`) are **rejected** by this
+server (audience binding).
+
+### Sample curl
+
+```bash
+TOKEN=dev-ops-only
+
+curl -s localhost:8081/healthz
+curl -s localhost:8081/openapi.json | jq '.openapi, (.paths | keys | length)'
+
+curl -s -X POST localhost:8081/tools/lookup_work_order \
+  -H "Authorization: Bearer $TOKEN" -H 'Content-Type: application/json' \
+  -d '{"workOrderId":"WO-1001"}' | jq
+
+# tool-hiding is convenience; the boundary is server-side — a forced call to a
+# tool you lack scope for is still 403:
+curl -s -o /dev/null -w '%{http_code}\n' -X POST localhost:8081/tools/search_inbox \
+  -H "Authorization: Bearer $TOKEN" -H 'Content-Type: application/json' \
+  -d '{"query":"invoice"}'   # → 403 (needs gmail:self)
+```
+
+### MCP Inspector
+
+Point the [MCP Inspector](https://github.com/modelcontextprotocol/inspector) at
+`http://localhost:8081/mcp` (transport: **Streamable HTTP**) and set an
+`Authorization: Bearer dev-assistant` header. `tools/list` reflects only the
+tools your token's scopes permit.
+
+## Environment
+
+| Var                          | Mode | Purpose                                       |
+| ---------------------------- | ---- | --------------------------------------------- |
+| `SH_MCP_ENV`                 | both | `local` (dev clients) or `aws` (real/Cognito) |
+| `PORT`                       | both | listen port (default 8081)                    |
+| `AWS_REGION`                 | aws  | Cognito region                                |
+| `COGNITO_USER_POOL_ID`       | aws  | issuer / JWKS source                          |
+| `COGNITO_ALLOWED_CLIENT_IDS` | aws  | comma-list; the audience boundary             |
+| `GOOGLE_MAPS_API_KEY`        | aws  | maps client                                   |
+| `REMINDER_TARGET_ARN` etc.   | aws  | scheduler wiring                              |
+
+`aws` mode is not runtime-exercised in Phase 1 (real external clients are
+deferred stubs; Cognito infra is out of scope — see `docs/build-plan-phase-1.md`).
+
+## CDK
+
+`cdk/app.ts` is a **synth-only** placeholder (`npm run synth -w @sh-mcp/server-ops`)
+so the CI `cdk synth` gate has a valid app. It provisions **no** real IAM,
+Cognito, API Gateway, or WAF — those land in a later phase behind the mandatory
+IAM cross-review.
diff --git a/servers/sh-mcp-ops/cdk.json b/servers/sh-mcp-ops/cdk.json
new file mode 100644
index 0000000..9e92cc2
--- /dev/null
+++ b/servers/sh-mcp-ops/cdk.json
@@ -0,0 +1,7 @@
+{
+  "app": "tsx cdk/app.ts",
+  "output": "cdk.out",
+  "context": {
+    "@aws-cdk/core:newStyleStackSynthesis": true
+  }
+}
diff --git a/servers/sh-mcp-ops/cdk/app.ts b/servers/sh-mcp-ops/cdk/app.ts
new file mode 100644
index 0000000..3f18351
--- /dev/null
+++ b/servers/sh-mcp-ops/cdk/app.ts
@@ -0,0 +1,31 @@
+/**
+ * sh-mcp-ops — synth-only CDK app (build-plan §6).
+ *
+ * Exists ONLY so the CI `cdk synth` gate has a valid app to synthesize, keeping
+ * the IaC/ARM64 wiring honest WITHOUT deploying. It defines NO real IAM roles,
+ * Cognito resources, API Gateway authorizers, or WAF — those carry the mandatory
+ * human IAM cross-review that cannot run here. The real stack is a later phase.
+ *
+ * TODO(phase-2): real stack — gated on Cognito + IAM cross-review (design.md §8).
+ */
+
+import { App, Stack, CfnOutput, type StackProps } from 'aws-cdk-lib';
+import type { Construct } from 'constructs';
+
+class ShMcpOpsStack extends Stack {
+  constructor(scope: Construct, id: string, props?: StackProps) {
+    super(scope, id, props);
+
+    // Inert marker output only — no real resources are provisioned here.
+    new CfnOutput(this, 'PlatformTier', {
+      value: 'ops',
+      description: 'sh-mcp-ops trust tier (synth-only placeholder; design.md §3).',
+    });
+  }
+}
+
+const app = new App();
+new ShMcpOpsStack(app, 'sh-mcp-ops', {
+  description: 'Sea Haven MCP ops-tier server (synth-only stub — no real infra yet).',
+});
+app.synth();
diff --git a/servers/sh-mcp-ops/package.json b/servers/sh-mcp-ops/package.json
new file mode 100644
index 0000000..8a1f48b
--- /dev/null
+++ b/servers/sh-mcp-ops/package.json
@@ -0,0 +1,41 @@
+{
+  "name": "@sh-mcp/server-ops",
+  "version": "0.1.0",
+  "description": "Sea Haven MCP ops-tier server — MCP (Streamable HTTP) + OpenAPI 3.1 over the ops tool registry",
+  "license": "UNLICENSED",
+  "private": true,
+  "type": "module",
+  "main": "dist/index.js",
+  "types": "dist/index.d.ts",
+  "scripts": {
+    "dev": "tsx watch src/index.ts",
+    "start": "node dist/index.js",
+    "build": "tsc --project tsconfig.json",
+    "typecheck": "tsc --noEmit",
+    "test": "vitest run",
+    "test:watch": "vitest",
+    "synth": "cdk synth >/dev/null"
+  },
+  "engines": {
+    "node": ">=24"
+  },
+  "dependencies": {
+    "@sh-mcp/calendar": "*",
+    "@sh-mcp/gmail": "*",
+    "@sh-mcp/google-maps": "*",
+    "@sh-mcp/internal-data": "*",
+    "@sh-mcp/knowledge-base": "*",
+    "@sh-mcp/reminders": "*",
+    "@sh-mcp/shared": "*",
+    "@sh-mcp/tasks": "*",
+    "express": "5.2.1"
+  },
+  "devDependencies": {
+    "@types/node": "^22.0.0",
+    "aws-cdk-lib": "2.260.0",
+    "constructs": "10.6.0",
+    "tsx": "4.22.4",
+    "typescript": "^5.5.0",
+    "vitest": "^2.0.0"
+  }
+}
diff --git a/servers/sh-mcp-ops/src/app.ts b/servers/sh-mcp-ops/src/app.ts
new file mode 100644
index 0000000..a1a05f0
--- /dev/null
+++ b/servers/sh-mcp-ops/src/app.ts
@@ -0,0 +1,58 @@
+/**
+ * sh-mcp-ops application assembly.
+ *
+ * Wires the registry, auth provider, audit logger, and rate limiter into the
+ * shared Express host (build-plan §2.2). Exported separately from `index.ts` so
+ * tests can build the app without binding a port.
+ */
+
+import {
+  ConsoleAuditLogger,
+  InMemoryRateLimiter,
+  createApp,
+  type DispatchDeps,
+} from '@sh-mcp/shared';
+import type { Express } from 'express';
+
+import { buildOpsRegistry } from './registry.js';
+import { buildOpsAuthProvider } from './auth.js';
+import { loadOpsConfig, type OpsConfig } from './config.js';
+
+export interface BuildAppResult {
+  app: Express;
+  config: OpsConfig;
+}
+
+/** Build the ops server app. Pass a config to override env loading (tests). */
+export async function buildOpsApp(configOverride?: OpsConfig): Promise<BuildAppResult> {
+  const config = configOverride ?? loadOpsConfig();
+  const registry = await buildOpsRegistry(config);
+  const authProvider = buildOpsAuthProvider(config);
+
+  const deps: DispatchDeps = {
+    auditLogger: new ConsoleAuditLogger(),
+    // Generous local limits; tightened per-tier in production (design.md §7.3).
+    rateLimiter: new InMemoryRateLimiter({
+      sessionCap: 200,
+      perToolLimit: 60,
+      windowMs: 60_000,
+    }),
+  };
+
+  const app = createApp({
+    registry,
+    authProvider,
+    deps,
+    mcpInfo: { name: 'sh-mcp-ops', version: '0.1.0' },
+    openApi: {
+      info: {
+        title: 'Sea Haven MCP — Ops',
+        version: '0.1.0',
+        description: 'Operations-tier tools (read-mostly). design.md §3.',
+      },
+      servers: [{ url: `http://localhost:${config.port}`, description: 'local' }],
+    },
+  });
+
+  return { app, config };
+}
diff --git a/servers/sh-mcp-ops/src/auth.ts b/servers/sh-mcp-ops/src/auth.ts
new file mode 100644
index 0000000..1dcc3bd
--- /dev/null
+++ b/servers/sh-mcp-ops/src/auth.ts
@@ -0,0 +1,30 @@
+/**
+ * sh-mcp-ops AuthProvider selection.
+ *
+ * `aws`   → CognitoAuthProvider (real JWT verification, design.md §2.5).
+ * `local` → LocalAuthProvider (dev bearer tokens; refuses to build unless
+ *           SH_MCP_ENV=local, build-plan §3).
+ */
+
+import {
+  CognitoAuthProvider,
+  LocalAuthProvider,
+  defaultLocalPrincipals,
+  type AuthProvider,
+} from '@sh-mcp/shared';
+
+import type { OpsConfig } from './config.js';
+
+export function buildOpsAuthProvider(config: OpsConfig): AuthProvider {
+  if (config.env === 'aws') {
+    if (!config.cognito) {
+      throw new Error('Cognito config missing in aws mode.');
+    }
+    return new CognitoAuthProvider(config.cognito);
+  }
+  return new LocalAuthProvider({
+    audience: config.audience,
+    principals: defaultLocalPrincipals(),
+    env: 'local',
+  });
+}
diff --git a/servers/sh-mcp-ops/src/config.ts b/servers/sh-mcp-ops/src/config.ts
new file mode 100644
index 0000000..3ce857b
--- /dev/null
+++ b/servers/sh-mcp-ops/src/config.ts
@@ -0,0 +1,70 @@
+/**
+ * sh-mcp-ops configuration — read entirely from the environment.
+ *
+ * Nothing is hardcoded (build-plan §7, design.md §2): client ids, issuer, JWKS
+ * URL, table names, scope prefix all arrive via env. `SH_MCP_ENV` selects local
+ * (dev clients + LocalAuthProvider) vs aws (real stub clients + Cognito).
+ */
+
+import { cognitoIssuer, cognitoJwks, type CognitoAuthConfig } from '@sh-mcp/shared';
+
+export type Env = 'local' | 'aws';
+
+export interface OpsConfig {
+  env: Env;
+  port: number;
+  audience: string;
+  /** Cognito config — only required/used in `aws` mode. */
+  cognito?: CognitoAuthConfig;
+  // Real-client settings (aws mode only; unused locally).
+  googleMapsApiKey?: string;
+  reminderTargetArn?: string;
+  schedulerRoleArn?: string;
+}
+
+const AUDIENCE = 'sh-mcp-ops';
+const SCOPE_PREFIX = 'sh-mcp-ops';
+
+function readEnv(name: string): string | undefined {
+  const v = process.env[name];
+  return v !== undefined && v.length > 0 ? v : undefined;
+}
+
+/** Parse and validate the process environment into an {@link OpsConfig}. */
+export function loadOpsConfig(): OpsConfig {
+  const rawEnv = readEnv('SH_MCP_ENV') ?? 'local';
+  if (rawEnv !== 'local' && rawEnv !== 'aws') {
+    throw new Error(`SH_MCP_ENV must be "local" or "aws" (got "${rawEnv}").`);
+  }
+  const env = rawEnv;
+  const port = Number(readEnv('PORT') ?? '8081');
+
+  const base: OpsConfig = { env, port, audience: AUDIENCE };
+
+  if (env === 'aws') {
+    const region = readEnv('AWS_REGION') ?? 'us-east-1';
+    const userPoolId = required('COGNITO_USER_POOL_ID');
+    const allowedClientIds = required('COGNITO_ALLOWED_CLIENT_IDS')
+      .split(',')
+      .map((s) => s.trim())
+      .filter(Boolean);
+    base.cognito = {
+      issuer: cognitoIssuer(region, userPoolId),
+      audience: AUDIENCE,
+      allowedClientIds,
+      scopePrefix: SCOPE_PREFIX,
+      jwks: cognitoJwks(region, userPoolId),
+    };
+    base.googleMapsApiKey = readEnv('GOOGLE_MAPS_API_KEY');
+    base.reminderTargetArn = readEnv('REMINDER_TARGET_ARN');
+    base.schedulerRoleArn = readEnv('SCHEDULER_ROLE_ARN');
+  }
+
+  return base;
+}
+
+function required(name: string): string {
+  const v = readEnv(name);
+  if (!v) throw new Error(`Missing required env var ${name} for SH_MCP_ENV=aws.`);
+  return v;
+}
diff --git a/servers/sh-mcp-ops/src/index.ts b/servers/sh-mcp-ops/src/index.ts
new file mode 100644
index 0000000..cd076d4
--- /dev/null
+++ b/servers/sh-mcp-ops/src/index.ts
@@ -0,0 +1,45 @@
+/**
+ * sh-mcp-ops entrypoint.
+ *
+ * Builds the app and starts listening. This is the ONLY place a listener is
+ * created — importing any module above is side-effect free (build-plan §2.1).
+ *
+ * A `handler` placeholder is exported for a future Lambda adapter, but this PR
+ * does NOT depend on the AWS Lambda runtime (build-plan §2.2).
+ */
+
+import { buildOpsApp } from './app.js';
+
+export { buildOpsApp } from './app.js';
+
+async function main(): Promise<void> {
+  const { app, config } = await buildOpsApp();
+  app.listen(config.port, () => {
+    console.log(
+      JSON.stringify({
+        msg: 'sh-mcp-ops listening',
+        env: config.env,
+        port: config.port,
+        endpoints: ['/mcp', '/openapi.json', 'POST /tools/:name', '/healthz'],
+      }),
+    );
+  });
+}
+
+/**
+ * Placeholder Lambda handler shape for a future phase. Intentionally throws —
+ * the HTTP server (`main`) is the supported runtime in Phase 1.
+ */
+export function handler(): never {
+  throw new Error('Lambda handler is not implemented in Phase 1; run the HTTP server.');
+}
+
+// Start only when executed directly (not when imported by tests).
+const invokedDirectly =
+  process.argv[1] !== undefined && import.meta.url === `file://${process.argv[1]}`;
+if (invokedDirectly) {
+  main().catch((err: unknown) => {
+    console.error('Failed to start sh-mcp-ops:', err);
+    process.exit(1);
+  });
+}
diff --git a/servers/sh-mcp-ops/src/registry.ts b/servers/sh-mcp-ops/src/registry.ts
new file mode 100644
index 0000000..c9466a6
--- /dev/null
+++ b/servers/sh-mcp-ops/src/registry.ts
@@ -0,0 +1,135 @@
+/**
+ * sh-mcp-ops tool registry — composition root.
+ *
+ * Registers exactly the ops-tier tools (design.md §3): internal-data,
+ * knowledge-base, google-maps, gmail, calendar, tasks, reminders. Each package
+ * factory is wired with the selected client — an in-memory dev client in
+ * `SH_MCP_ENV=local`, or the real (stub) client in `aws` mode.
+ *
+ * IMPORTANT: we deliberately call each package's *factory* with an explicit
+ * client rather than importing its pre-wired `tools` array, because some of
+ * those arrays construct AWS clients at import time. Building clients here keeps
+ * import-time side-effect-free (build-plan §7 "No I/O at import time").
+ *
+ * The package factory signatures are intentionally inconsistent (build-plan §1);
+ * each is wired to its own shape below.
+ */
+
+import { ToolRegistry, type ToolDef } from '@sh-mcp/shared';
+
+// internal-data
+import {
+  makeTools as makeInternalDataTools,
+  RealDynamoClient,
+  type InternalDataClient,
+  InMemoryInternalDataClient,
+} from '@sh-mcp/internal-data';
+// knowledge-base
+import {
+  createKnowledgeBaseTools,
+  createBedrockClientFromEnv,
+  type KnowledgeBaseClient,
+  InMemoryKnowledgeBaseClient,
+} from '@sh-mcp/knowledge-base';
+// google-maps
+import {
+  makeTools as makeMapsTools,
+  GooglePlacesClient,
+  type GoogleMapsClient,
+  InMemoryGoogleMapsClient,
+} from '@sh-mcp/google-maps';
+// gmail
+import {
+  makeGmailTools,
+  GmailApiClient,
+  type GmailClient,
+  type GoogleTokenProvider as GmailTokenProvider,
+  InMemoryGmailClient,
+} from '@sh-mcp/gmail';
+// calendar
+import {
+  buildCalendarTools,
+  GoogleCalendarClient,
+  type CalendarClient,
+  type GoogleTokenProvider as CalendarTokenProvider,
+  InMemoryCalendarClient,
+} from '@sh-mcp/calendar';
+// tasks
+import {
+  buildTaskTools,
+  DynamoDBTasksClient,
+  type TasksClient,
+  InMemoryTasksClient,
+} from '@sh-mcp/tasks';
+// reminders
+import {
+  buildReminderTools,
+  AwsSchedulerClient,
+  type SchedulerClient,
+  InMemorySchedulerClient,
+} from '@sh-mcp/reminders';
+
+import type { OpsConfig } from './config.js';
+
+/**
+ * A Google per-user token provider stub for `aws` mode. The REAL provider
+ * (per-user OAuth refresh tokens, design.md §2.4) is a later phase; in this PR
+ * `aws` mode is not runtime-exercised, so this throws if actually used.
+ */
+class StubGoogleTokenProvider implements GmailTokenProvider, CalendarTokenProvider {
+  async getAccessToken(): Promise<string> {
+    throw new Error(
+      'Real per-user Google token provider is not implemented in Phase 1 ' +
+        '(design.md §2.4 — deferred). Run with SH_MCP_ENV=local for a working server.',
+    );
+  }
+}
+
+/** Build the ops registry for the given environment. */
+export async function buildOpsRegistry(config: OpsConfig): Promise<ToolRegistry> {
+  const local = config.env === 'local';
+
+  // --- select clients (dev vs real) ---
+  const internalDataClient: InternalDataClient = local
+    ? new InMemoryInternalDataClient()
+    : await RealDynamoClient.create();
+
+  const kbClient: KnowledgeBaseClient = local
+    ? new InMemoryKnowledgeBaseClient()
+    : createBedrockClientFromEnv();
+
+  const mapsClient: GoogleMapsClient = local
+    ? new InMemoryGoogleMapsClient()
+    : new GooglePlacesClient(config.googleMapsApiKey ?? '');
+
+  const tokenProvider = new StubGoogleTokenProvider();
+  const gmailClient: GmailClient = local
+    ? new InMemoryGmailClient()
+    : new GmailApiClient(tokenProvider);
+  const calendarClient: CalendarClient = local
+    ? new InMemoryCalendarClient()
+    : new GoogleCalendarClient(tokenProvider);
+
+  const tasksClient: TasksClient = local ? new InMemoryTasksClient() : new DynamoDBTasksClient();
+
+  const schedulerClient: SchedulerClient = local
+    ? new InMemorySchedulerClient()
+    : new AwsSchedulerClient({
+        targetArn: config.reminderTargetArn ?? '',
+        roleArn: config.schedulerRoleArn ?? '',
+      });
+
+  // --- register all ops-tier tools ---
+  const registry = new ToolRegistry();
+  const all: ToolDef<unknown, unknown>[] = [
+    ...makeInternalDataTools(internalDataClient),
+    ...createKnowledgeBaseTools(kbClient),
+    ...makeMapsTools(mapsClient),
+    ...makeGmailTools(gmailClient),
+    ...buildCalendarTools(calendarClient),
+    ...buildTaskTools(tasksClient),
+    ...buildReminderTools({ client: schedulerClient }),
+  ].map((t) => t as ToolDef<unknown, unknown>);
+  for (const tool of all) registry.register(tool);
+  return registry;
+}
diff --git a/servers/sh-mcp-ops/tsconfig.json b/servers/sh-mcp-ops/tsconfig.json
new file mode 100644
index 0000000..b984810
--- /dev/null
+++ b/servers/sh-mcp-ops/tsconfig.json
@@ -0,0 +1,19 @@
+{
+  "extends": "../../tsconfig.base.json",
+  "compilerOptions": {
+    "outDir": "dist",
+    "rootDir": "src",
+    "declarationDir": "dist"
+  },
+  "include": ["src"],
+  "references": [
+    { "path": "../../packages/shared" },
+    { "path": "../../packages/calendar" },
+    { "path": "../../packages/gmail" },
+    { "path": "../../packages/google-maps" },
+    { "path": "../../packages/internal-data" },
+    { "path": "../../packages/knowledge-base" },
+    { "path": "../../packages/reminders" },
+    { "path": "../../packages/tasks" }
+  ]
+}