IN SIMPLE TERMS

Where the plan stands across Options A, B & C

Option C (Selected) combines the 6-car multi-channel fleet and core commercial levers with a 35-account Glean commercial route (30% down + 48-month seller note at 7.5%), delivering $1,126,081 in 2029 profit ($1,500,335 over 38 months) and an ending cash pool of $887,880, with a peak funding need of $761,074 ($101,074 working-capital buffer above $660k). Option B runs the same 6-car multi-channel fleet with organic Glean ($1,029,121 2029 profit; $722,810 peak need). Option A stages the launch with 2 SUVs + BMW ($934,654 2029 profit; $537,515 peak need—staying $122,485 inside the $660k pool).

NEXT DECISIONS

What still needs attention

• Confirm whether to reserve the $101,074 working-capital credit line for Option C’s Feb 2028 trough or stage Vehicle Cohort 2 under Option A ($122,485 cushion inside $660k).
• Verify Glean commercial route seller terms (30% down / 7.5% 48-month note, <1.5%/mo account churn) before signing any LOI.
• Have a CPA & ERISA counsel confirm the T2 C-Corp tax schedule, Fla. Stat. 212.05 lessor registration, and $330k ROBS qualification.
• Run 30-to-60-day paid pilots to replace planning hypotheses with observed conversion and chauffeur roster records.

WHAT THE FORECAST USES

Option C (Selected) & modular comparators

The bound Iteration 9 roll-up evaluates all 10 sections across Option C (6-Car Multi-Channel + 35-Account Glean Commercial Route), Option B (6-Car Multi-Channel + Organic Glean), Option A (2-SUV Staged Launch), and the F08 Baseline, while booking full $138k/yr owner pay at Holding and replaying the exact F08 annual_tax2 corporate tax engine. Every commercial lever is a transparent planning hypothesis (RECOMMENDED_HYPOTHESIS), not observed history.

OWNER REVIEW

Key limits to keep in view

• Target peak funding and Low-case shortfall load from the bound forecast snapshot.
• Target does not sustain positive profit and after-tax cash through every month.
• Tax treatment, route economics, and some growth inputs need outside evidence or professional review.

OPTION C OPERATING RULES

How people and fleet capacity are scheduled

• 4x10 Peak-Window Chauffeur Shift Scheduling: Aligns W-2 chauffeur rosters to high-demand airport, corporate, and weekend charter windows—cutting unbooked $18/hr ($19.80/hr loaded) floor top-up hours by 35% (+$48.5k savings in 6-Car modes; +$6.0k in 2-SUV mode) while filling remaining unbooked hours via multi-channel bookings.
• Internal-Only 2027 Mechanic Deployment + B2B Lot Routes: Dedicates Pitstop’s mechanic capacity to internal Prism fleet care in 2027 (eliminating unprofitable retail customer acquisition), then layers on scheduled after-hours B2B commercial lot PM routes (3 → 6 fleets) in 2028–2029.
• Shared Home Services CSR Dispatch (66.6% Member-Funded): Centralizes scheduling, billing, and customer follow-up across Glean, Pitstop, and Simply Tech; 185 Prism Home Club members at $399/yr generate $49,025/yr net contribution against the $73,655 2029 shared dispatch pool.
• Licensed Low-Voltage Partner Network: Routes Simply Tech smart-home and PoE camera installations to licensed, insured third-party integrators for a 25% referral commission ($605 net/job), requiring zero in-house technician vans or payroll in Wave 1.

CAPACITY & OWNER BANDWIDTH GATES

Before adding people, vehicles, or Wave 2 lines

• Owner time budget (~52 hrs/wk in 2027 → ~39 hrs/wk in 2029): Allocated across Lucent (14→10h), Obsidian (12→8h), Glean (10→6h), Foundry (6→5h), Home Services (5→4h), Holding (4h), Pitstop (3→5h), and Simply Tech (2h).
• Fleet staging trigger (Option A vs. Options B/C): Under Option A, SUVs #3–4 and the Mercedes S500 stay held until SUV #1 and #2 sustain ≥32 booked hours/week for 8 consecutive weeks.
• Glean commercial route capacity check: Verify cleaner headcount, night/weekend commercial building access, and <1.5%/mo account churn before closing the 35-account acquisition.
• Wave 2 gates (Novelle & Vesper): Keep both lines at 0 hours and $0 operating burn in Wave 1 until Wave 1 cash flow and signed client deposits/LOIs are in hand.

COMPLETED

• Iteration 9 Modular Coordinator & Option C (MODE_4_6CAR_MULTICHANNEL_PLUS_COMMERCIAL_ROUTE) roll-up completed across all 10 business sections (PORTFOLIO_ROLLUP.xlsx SHA-256 b6df1ede…), preserving frozen F07 (96ff3f0e…) and F08 (927cd599…) baselines byte-identically.
• Independent Codex CLI Rev 2 validation (PASS) verified $0.00 consolidation identity discrepancy (sum(10 sections) + ELIMINATIONS == CONSOLIDATED), mode-specific shift-floor savings (+$6,018.47 in Mode 2 vs. +$48,455.80 in Modes 3 & 4), vehicle-specific F08 55% fare-share/burden payroll math, and exact F08 annual_tax2 corporate tax replay.
• This private site now includes an interactive Option A / B / C & 15-Parameter Playground that recomputes the 38-month portfolio, T2 taxes, cash pool, and 10-company table in real time in the browser.

STILL OPEN

• Owner capital-buffer decision: Option C delivers $1,126,081 in 2029 profit and $887,880 ending pool but peaks at $761,074 in Feb 2028 (requiring a $101,074 working-capital buffer above the $660,000 pool), whereas Option B peaks at $722,810 ($62,810 above $660k) and Option A (2-SUV Staged) peaks at $537,515 (staying $122,485 inside the $660,000 pool while still earning $934,654 in 2029 profit).
• CPA and ERISA confirmation of modeled T2 C-Corp tax schedule ($252,714 38m tax in Option C), Fla. Stat. 212.05 lessor sales-tax registration, and $330k ROBS funding qualification.
• Empirical weekly chauffeur payroll, tips, and commercial insurance quotes (currently 0 actual records; 54,279 hypothetical weeks modeled in F08).
• 30-to-60-day paid channel pilots for Obsidian multi-channel demand, Lucent $495 AI Audit funnel, Home Club membership conversion, and Glean commercial route seller due diligence.