EXECUTIVE RECOMMENDATION · WHAT IS BEST, WHY IT WINS & HOW TO PLAY WITH IT
Recommended Path: Option C (Full 6-Car Fleet + 35-Acct Commercial Route) — or Option A if you want $0 credit line.
- 1. Best Overall Profit & Cash Engine (Recommended — Option C): Launches the 6-vehicle luxury fleet + acquires a 35-account B2B commercial cleaning route ($550/mo per account, 30% down + 48m note at 7.5%). Delivers $1,126,081 in 2029 profit ($1,190,521 with all 8 lines active), $1,500,335 over 38 months, and an $887,880 ending cash pool.
- 2. Why Option C Beats Option B (+$290,880 Over 38m): Buying the 35-account route gives Glean immediate Day-1 route density ($231,000/yr recurring billing) and adds +$96,960/yr in 2029 profit for only $38,264 more peak working capital than Option B ($761,074 vs. $722,810).
- 3. Best Zero-Credit-Line Alternative (Option A — 2-SUV Staged Fleet): Starts with 2 Denalis + 1 BMW and holds 3 luxury vehicles until demand sustains ≥32 booked hrs/wk. Caps peak funding at $537,515 (staying $122,485 below your $660,000 starting capital pool) while still earning $934,654 in 2029 profit.
- 4. All 10 Portfolio Lines Are Profitable in 2029 After Full $138k/Yr Owner Pay: Across Pillar 1 · Home Care (1 · Glean, 2 · Pitstop, 3 · Simply Tech + Home Services Club), Pillar 2 · Mobility (4 · Foundry, 5 · Obsidian, 6 · Vesper + 10 · Motors & Fleet), and Pillar 3 · Digital (7 · Lucent, 8 · Novelle), every business clears positive 2029 post-owner EBITDA.
- 5. Play With the Plan Below: Tap Option A, B, C, or Baseline—or open Customize 15 Parameters—to test any combination live and see the year-by-year per-business breakdown immediately.
Plan status: loading…Reading bound finance display
STEP 1 · PICK AN OPTION OR PLAY WITH THE 15 LIVE LEVERS
Switch between Options A, B, C & Baseline—or customize 15 sliders to test your own scenario
Tap any option card below to switch the entire workbook view, or click Customize 15 Parameters to drag sliders and watch the recommendation box, chart, and year-by-year business table update live.
Option C (Leaning Toward)
WHY THIS OPTION WINS · LIVE DECISION ARTICULATION
- 1. Why Option C Is #1 Overall: Highest 2029 profit ($1,126,081 Wave 1 / $1,190,521 All-8 Active) and highest 38-month profit ($1,500,335) because the 35-account commercial cleaning route cash-flows from Month 3.
- 2. Capital Pool vs. Feb 2028 Trough: Option C needs a $101,074 credit line for the 2028-02 trough ($761,074 peak vs. $660,000 pool); switch to Option A if you want a +$122,485 cash cushion with zero credit line.
- 3. Why Option B Trails Option C: Option B takes 62% of the credit-line risk ($62,810 gap) while giving up -$96,960/yr in 2029 profit and -$290,880 over 38 months by skipping the commercial route.
15-PARAMETER LIVE SCENARIO STUDIO
Drag any slider or toggle below to test custom assumptions against Options A, B, C & Baseline
When you adjust any parameter, your active view switches to Custom Mode, showing your exact dollar delta vs. the base preset and updating the comparison matrix, marketing targets, and staffing tables automatically.
1 · GLEAN COMMERCIAL ROUTE & HOME CLUB
Commercial Cleaning Route & Membership
0 = Organic cleaning only (Options A, B & Baseline); 35 = Option C default ($253k route + van)
Default $550/mo ($6,600/yr per commercial account at 0.95x asking multiple)
30% down ($65.8k + $33.6k van = $99.4k upfront) vs. 100% cash ($253k upfront)
Scales 2027–2029 membership ramp (185 members fund 66.6% of shared CSR dispatch pool)
Less $134/yr included exterior wash, annual inspection & payment processing cost
2 · OBSIDIAN, FOUNDRY & PITSTOP FLEET
Fleet Staging, Multi-Channel & B2B Contracts
2-SUV Staged holds SUVs #3–4 & S500 until SUVs #1–2 sustain ≥32 booked hrs/wk for 8 weeks
Google Local Search + Hotel/FBO Concierge + Corporate Retainers + VIP Charter (6-Car mode)
Peak-window chauffeur shift scheduling reduction on unbooked $18/hr floor top-ups
$2,800/mo billing ($1,150/mo net margin per commercial shuttle contract)
$650/mo billing ($325/mo net contribution per commercial lot PM account in 2028–2029)
3 · LUCENT DIGITAL & SIMPLY TECH
High-Margin Digital SaaS & Partner Referrals
$297/mo productized missed-call text-back & AI voice ($215/mo net margin/client)
Paid discovery wedge converting into $1,500/mo recurring digital marketing retainers
25% referral commission on $2,600 licensed low-voltage partner packages ($605 net/job)
4 · WAVE 2 GATED LAUNCHES (NOVELLE & VESPER)
Optional 2028–2029 Expansion Gates
Exact C-Corp tax & cash engine: Every slider adjustment recomputes all 38 months through the 21% Federal + 5.5% Florida corporate tax schedule (with $50k Florida exemption and 80% net operating loss carryforward limit paid in Apr/Jun/Sep/Dec installments).
STEP 2 · VISUALIZE ALL 5 TRAJECTORIES ON ONE FULL-SIZE CHART
Remaining Cash Pool vs. $660,000 Starting Pool & February 2028 Trough (Nov 2026 – Dec 2029)
STEP 3 · SIDE-BY-SIDE ROLLOUT COMPARISON MATRIX
How Option A, Option B, Option C (Recommended), Baseline, and Your Active View compare line by line
↔ Swipe sideways to compare all columns
| Portfolio Metric | Your Active View Option C (Leaning Toward) |
|---|
STEP 4 · YEAR-BY-YEAR BREAKDOWN BY BUSINESS (2026 STUB → 2029 + 38M TOTAL) & 10-LINE SCORECARD
How much money each business makes per year (2026, 2027, 2028, 2029 & 38-Month Total) + Post-Owner-Pay 10-Line Test
Shows every business line from Nov 2026 through Dec 2029 under your active option, plus the 2029 post-owner-pay profitability check across all 10 lines.
↔ Swipe sideways to inspect 2026, 2027, 2028, 2029, 38m Total, Post-Owner-Pay 2029, and Codex Iter08 Deep-Dive schedules
| Business / Portfolio Line | 2026 (2m Stub) | 2027 (Yr 1) | 2028 (Yr 2) | 2029 (Yr 3) | 38-Month Total | 2029 Post-Owner Normalized | Compare 2029: Opt A / Opt B / Opt C | Codex Iter08 Deep-Dive & Notes |
|---|
Cash-Timing Sequence (Why Early Working Capital Matters):
- 1. 2026–2027 Startup Ramp: Operating profit is negative during the 2-month 2026 stub and 2027 ramp while vehicles, rigs, and routes are onboarded.
- 2. February 2028 Cumulative Cash Trough: Maximum cash drawdown hits in February 2028 for Options A, B, and C (or August 2028 in the Baseline).
- 3. Peak Funding Comparison vs. $660,000 Pool: Option A: $537,515 peak need (+$122,485 cushion below pool) · Option B: $722,810 peak need (-$62,810 credit line) · Option C: $761,074 peak need (-$101,074 credit line) · Baseline: $988,057 peak need (-$328,057 gap).
WHAT YOUR ACTIVE SELECTION MEANS
Where the plan stands under your active selection
- 1. Option C (Recommended Profit Leader): Pairing the 6-vehicle fleet with a 35-account commercial cleaning route projects $1,126,081 in 2029 profit ($1,500,335 over 38m) and an $887,880 ending pool.
- 2. Working Capital Requirement: Peak funding reaches $761,074 in Feb 2028 (requiring a $101,074 credit line above the $660,000 starting pool).
- 3. Zero-Credit-Line Alternative: Switch to Option A ($934,654 2029 profit; $537,515 peak need) to stay $122,485 below the $660,000 pool.
NEXT DECISIONS BEFORE LAUNCH
Four practical gates to resolve before committing capital
- 1. Additional Funding Requirement vs. Staged Fleet (Option C vs. Option A): Decide whether to arrange a $101,074 working-capital credit facility for Option C’s February 2028 trough, or start with Option A’s 2-SUV staged fleet ($122,485 below the $660,000 modeled capital pool) and unlock SUVs #3–4 only after 8 weeks of proven demand.
- 2. Glean Commercial Route Diligence (If Choosing Option C): Verify seller tax returns, building access rules, cleaner transferability, and <1.5%/mo account churn before signing any letter of intent on the 35-account route.
- 3. Certified Public Accountant (CPA) & Retirement Rollover Legal Sign-Off: Have a CPA and Employee Retirement Income Security Act (ERISA) counsel confirm the C-Corp tax schedule, Florida Statute 212.05 intercompany lease registration, and $330,000 Rollover for Business Startups (ROBS) retirement-funding qualification.
- 4. 30-to-60-Day Paid Channel Pilots: Run small, measured pilots for Lucent’s $495 AI Audit, Obsidian’s search and FBO concierge demand, and Glean/Home Club neighborhood conversion before scaling monthly ad spend.
Background Reference: What are the 2 Strategic Questions & 7 Operating Improvements? (Tap to expand) ▾
2 CORE ROLLOUT QUESTIONS
- Q1 · Fleet Staging (Option A vs. Options B & C): Start conservatively with 2 GMC Yukon Denalis + 1 BMW 530xi and hold 3 luxury vehicles until demand sustains ≥32 booked hrs/wk for 8 straight weeks (Option A), or deploy all 6 vehicles from Day 1 with multi-channel search, hotel/FBO concierge, and B2B corporate retainer marketing (Options B & C).
- Q2 · Commercial Cleaning Route (Options A & B vs. Option C): Grow Glean organically with zero route debt (Options A & B), or acquire a 35-account B2B commercial janitorial route ($550/mo per account = $231,000/yr recurring billing, financed 30% down + 48m note at 7.5%) for immediate route density (Option C).
THE 7 OPERATING IMPROVEMENTS INCLUDED IN OPTIONS A, B & C (ABSENT IN BASELINE)
- 1. Pitstop 2027 Internal Fleet Focus + B2B Lots: Dedicates 2027 mechanic hours to internal Prism fleet care ($0 retail ad burn), adding 6 B2B commercial lot PM contracts ($650/mo) in 2028–2029.
- 2. Obsidian 4x10 Peak-Window Chauffeur Shifts: Cuts unbooked $18/hr floor guarantee top-ups by 35% during 2027–2028.
- 3. Multi-Channel 6-Car Marketing & 14% Affiliate Overflow: Combines Google Search, hotel/FBO concierges, corporate retainers, and 14% net affiliate overflow trips.
- 4. Foundry $2,800/mo B2B Shuttle Retainers: Adds 1 → 3 commercial employee/hotel shuttle retainers ($1,150/mo net margin each) plus $99/veh Complete inspections.
- 5. $399/yr Prism Home Club Memberships: Scales to 185 active members by 2029 ($265/yr net contribution), funding 66.6% of the shared CSR dispatch desk.
- 6. Lucent $495 Credited AI Audit & $297/mo AI Receptionist SaaS: Pairs a paid discovery wedge with sticky $297/mo missed-call text-back & voice software (42 clients by 2029).
- 7. Simply Tech 25% Licensed Partner Referral Model: Routes $2,600 whole-home Wi-Fi & wired 4K PoE camera jobs to licensed partners for $605 net profit/job with $0 tech payroll.
SECTION 4 · 3-YEAR PROJECT SETUP, STAGES & EXECUTION WORK HUB
How initial setup work, 60-day pilots, and 3-year strategic milestones are organized across all 8 businesses
Separates 12 High-Level Strategic Goals (outcomes & gates across 4 rollout stages) from 36 Tactical Setup Tasks (exact CPA/ERISA reviews, Florida Statute 212.05 filings, route diligence, vehicle upfits, and dispatch setup) across 6 execution states.
Stage 1 · Nov 2026 – Mar 2027
Pre-Launch, Legal/Tax & Day-1 Setup
Entity & bank setup, CPA/ERISA $660k pool sign-off, Fla. Stat. 212.05 lease certificate, shared CSR desk, and Option C 35-account route diligence.
Stage 2 · Apr – Dec 2027
Wave 1 Core Launch & 60-Day Pilots
Glean residential/exterior & commercial route onboarding, Obsidian 4x10 shift launch, Lucent $495 AI Audit & $297/mo SaaS pilots, Simply Tech referrals.
Stage 3 · Jan – Dec 2028
B2B Expansion & Feb 2028 Cash Trough
Navigate the 2028-02 cumulative cash trough ($101k gap in Option C vs. $122k cushion in Option A), scale Foundry B2B shuttles & Pitstop lot PMs.
Stage 4 · Jan – Dec 2029
Full Scale & Wave 2 Gated Releases
Reach Oct 2029 flow targets ($102.1k/mo profit in Option C) and evaluate optional Wave 2 gates for 6 · Vesper Motor Collection and 8 · Novelle Veil.
Snapshot figures load from the bound finance display file.
BUSINESS PLAN · 3-STAGE OPERATING ARCHITECTURE
Build in stages, prove demand, and share one back office across eight brands.
Prism Holdings sequences the portfolio in three numbered stages across three shared operating pillars—so high-margin digital subscriptions and recurring commercial contracts fund shared CSR dispatch and fleet overhead early.
Stage 1 · Anchor recurring B2B & digital cash flow
- 1. Lucent Digital Funnel: Launch the $495 Credited AI & Call-Capture Audit wedge (converting into $1,500/mo retainers) and sticky $297/mo AI Receptionist SaaS.
- 2. Glean Commercial Route (Option C): Acquire the 35-account B2B janitorial route ($550/mo per account = $231k/yr, 30% down + 48m note at 7.5%) on Day 1.
- 3. Residential & Exterior Bundles: Scale recurring maid service plus high-margin exterior bundles ($375 pressure wash, $275 window, $1,200 paver sealing).
Stage 2 · Fill fleet & shared dispatch capacity
- 1. Obsidian Black & 4x10 Shifts: Pair Google Search, hotel/FBO concierge, and corporate retainers with 4x10 peak-window shift scheduling (-35% unbooked floor hours).
- 2. Fleet Rollout (Option A vs. B/C): Deploy 2 Denalis + 1 BMW in Option A (holding 3 cars until ≥32 booked hrs/wk), or all 6 vehicles in Options B & C with Foundry $2,800/mo B2B shuttles.
- 3. Pitstop & Home Club Offset: Keep Pitstop internal-only in 2027, add $650/mo B2B lot contracts in 2028–2029, and scale the $399/yr Home Club to 185 members.
Stage 3 · Monetize partner referrals & gate Wave 2
- 1. Simply Tech Partner Referrals: Route $2,600 whole-home Wi-Fi & wired 4K PoE camera installs to licensed third-party integrators for a 25% commission ($605 net/job) with $0 payroll.
- 2. Vesper Motor Collection (Wave 2): Hold at $0 fixed burn in Wave 1; unlock deposit-backed collector/exotic vehicle sourcing ($2,750 net/deal, 0% consignment per OD-0935) or the 4-car outright schedule (+$38.1k EBITDA) in Wave 2.
- 3. Novelle Veil (Wave 2): Hold at $0 payroll in Wave 1; unlock 50/50 creator management (+$655/creator/mo net) once ≥2 creators sign.
HOW THE 4 ROLLOUT CASES DIFFER
Why we compare Option A, Option B, Option C, and the Baseline
Every preset in this site uses the same unit pricing, direct cost rules, $138,000/yr owner compensation package booked at Holding, and corporate tax formulas—differing only in the strategic rollout levers:
- Option A · Staged Fleet Launch: 2 Denalis + 1 BMW sedan at launch + organic Glean cleaning + all 7 operating improvements. Keeps peak funding at $537,515 ($122,485 below the $660,000 modeled capital pool) with $934,654 in projected 2029 operating profit ($1,029,369 over 38m).
- Option B · Full 6-Car Fleet + Organic Cleaning: 4 Denalis + S500 + BMW sedan at launch + organic Glean cleaning + all 7 operating improvements. Projects $1,029,121 in 2029 operating profit ($1,209,455 over 38m) with a $722,810 peak funding need ($62,810 additional funding requirement above $660k).
- Option C · Full 6-Car Fleet + 35-Account Commercial Route (Leaning Toward): Full 6-car fleet + 35-account Glean commercial route ($231k/yr recurring billing). Projects $1,126,081 in 2029 operating profit ($1,500,335 over 38m) with a $761,074 peak funding need ($101,074 additional funding requirement above $660k).
- Baseline · Pre-Optimization Reference: Earlier 6-car plan before the 7 operating improvements (public retail Pitstop in 2027, 0 Home Club members, 0 B2B shuttles/fleets, 0 AI SaaS clients, 0 partner tech referrals). Projects $217,741 in 38m operating profit and a $988,057 peak funding need ($328,057 additional funding requirement above $660k).
OWNER REVIEW & PLANNING GUARDRAILS
Key limits to keep in view for your active selection
- 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.
THE 8 OPERATING BUSINESSES · ONE NUMBERED ORDER & 6-PART DOSSIERS
Consistent, well-organized profiles for all eight business lines.
All eight customer-facing businesses follow the exact same pillar-grouped order (1 through 8) across every table and tab in this site, and each dossier card below uses the same six numbered sections (1 through 6)—separating fixed reference pricing from live active-scenario assumptions.
PART 1 · PORTFOLIO FINANCIAL ROLL-UP TABLE (BUSINESSES 1–8 + MOTORS & FLEET SUBTOTAL + 2 SHARED/CORPORATE ROWS)
Projected year-by-year (2026–2029) & 38-month revenue and operating profit by line — Active Selection vs. Options A, B & C
Ordered 1 to 8 by operating pillar, plus the non-additive 10 · Prism Motors & Fleet (Foundry + Obsidian) division subtotal, the shared Home Services dispatch pool, and Prism Holdings corporate governance (where the full $138,000/yr owner compensation package is booked once legally, alongside a normalized post-owner-pay management view across the operating lines).
↔ Swipe sideways to compare all columns
| Business & Pillar | Launch Stage | 2026 (2m) Profit | 2027 Profit | 2028 Profit | Active 2029 Revenue | Active 2029 Profit (Pre-Owner) | 2029 Post-Owner Normalized | 38-Month Total Profit | Compare 2029 Profit: Opt A / Opt B / Opt C | What Your Active Selection & Codex Iter08 Model |
|---|
How the 10 lines add up to total group profit: Each business line’s projected operating profit (EBITDA) above is shown before the owner’s salary. When consolidating the full group, intercompany eliminations (-$635,152 over 38 months in 6-Car modes / -$294,252 in Option A’s 2-SUV Staged mode—representing internal Foundry vehicle leases and Pitstop internal fleet maintenance) net to $0 across the group, and the full $138,000/yr owner compensation package is deducted once at Prism Holdings.
PART 2 · STANDARDIZED 8-BUSINESS DOSSIERS (SECTIONS 1 TO 6 IN ORDER)
Compare every business line with the exact same six-part structure
In Summary mode, Sections 3 & 4 are tucked inside a one-click expandable drawer to keep scrolling compact; switching to Full Details in the sticky top bar opens all six sections automatically.
Pillar 1 · Home & Property Care
Wave 1 · Core Launch
1 · Glean Home Services
Recurring residential & commercial cleaning, exterior property restoration, and Home Club anchor
1. What It Does & Who It Serves
Delivers recurring residential maid service, exterior property care (pressure washing, window cleaning, paver sealing), and—when the commercial route lever is active—acquires an established business-to-business (B2B) commercial janitorial route serving South Florida medical, legal, and professional offices.
2. Customer Offers & Reference Pricing
- Recurring Residential Cleaning (Reference Offer): Bi-weekly & weekly home care packages ($185–$320/visit) + move-in/out deep cleans.
- Exterior Restoration Bundles (Reference Offer): $375 driveway/patio pressure wash, $275 interior/exterior window package, and $1,200 paver sealing ($551.25 blended ticket).
- Commercial Janitorial Route Benchmark: $550/mo reference recurring contract ($6,600/yr per building; 0.95x asking multiple).
- Prism Home Club ($399/yr Reference Fee): Annual membership bundling exterior wash + priority scheduling across Glean, Pitstop & Simply Tech.
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Google Local Services Ads (LSA) & Nextdoor ($1,500–$2,500/mo budget), 5-Around neighborhood door-hangers/postcards around every completed home, and direct B2B office park outreach ($650 replacement CAC for 1.5%/mo commercial churn).
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: W-2 residential/exterior two-person cleaning teams + evening commercial route cleaners; booked through the shared Home Services Customer Service Representative (CSR) dispatch desk; requires 10 hrs/wk (2027) → 6 hrs/wk (2029) of owner oversight.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: Commercial route acquisition requires verifying seller tax returns, night/weekend building access, and <1.5%/mo churn prior to closing. All figures are planning hypotheses.
Pillar 1 · Home & Property Care
Wave 1 · Internal Fleet → B2B
2 · Pitstop Mobile Auto
Dedicated internal Prism fleet maintenance in 2027 + B2B commercial lot preventive maintenance in 2028–2029
1. What It Does & Who It Serves
Provides mobile preventive maintenance, brakes, tires, diagnostics, and detailing. In Options A, B, and C, Pitstop dedicates 2027 to maintaining Prism’s own luxury SUVs, sedans, and service vans (eliminating single-car retail ad burn), then expands into scheduled after-hours B2B commercial lot fleet maintenance in 2028–2029.
2. Customer Offers & Reference Pricing
- Internal Prism Fleet SLA (Reference Offer): Scheduled preventive maintenance, brakes, fluid service, and turn-ready detailing for Foundry/Obsidian/Glean vehicles.
- B2B Commercial Lot Fleet PM ($650/mo Reference Retainer): Recurring monthly preventive maintenance per commercial fleet account (~8–10 vans/trucks serviced in one lot stop; $325/mo net contribution).
- Driveway Convenience Packages (Home Club Upsell): $99 synthetic oil service, $210 brake pad service, and $75/vehicle/mo fleet care add-on.
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Direct B2B outreach to local HVAC, plumbing, pest-control, and medical courier fleets (servicing 8–10 vehicles per lot stop) plus cross-sell to existing Glean and Home Club households.
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: Automotive Service Excellence (ASE) certified mobile mechanic capacity in an outfitted service van; coordinated via the shared Home Services CSR desk; requires 3 hrs/wk (2027) → 5 hrs/wk (2029) of owner oversight.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: B2B commercial lot retainers require signed multi-vehicle lot access agreements and clear parts/labor inclusion schedules before 2028 expansion.
Pillar 1 · Home & Property Care
Wave 1 · Asset-Light Partner Model
3 · Simply Tech
Prosumer mesh Wi-Fi, wired 4K Power-over-Ethernet (PoE) security cameras, and smart-home packages via licensed partners
1. What It Does & Who It Serves
Designs and sells turnkey residential and small-office networking, UniFi prosumer mesh Wi-Fi, wired 4K Power-over-Ethernet (PoE) security camera systems, and smart locks/thermostats—fulfilled through licensed, insured low-voltage contractor partners so Prism captures a referral commission with $0 technician payroll.
2. Customer Offers & Reference Pricing
- Whole-Home Prosumer Wi-Fi + 4K PoE Security Bundle (Reference Offer): $2,600 average turnkey package (hardware + structured wiring + app setup).
- Licensed Partner Referral Commission: 25% referral & design commission ($650 gross / $605 net contribution per install after $45 payment/dispatch handling).
- Small-Office Network & Camera Upgrade: Bundled with Glean commercial office cleaning and Lucent digital audits.
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Zero standalone ad burn; cross-sold during Glean move-in deep cleans, exterior restoration visits, and Home Club onboarding, plus South Florida realtor and custom builder partnerships.
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: 100% fulfilled by vetted, licensed Florida low-voltage (EF/ES) integration partners under service-level agreements ($0 in-house vans or installer payroll); requires 2 hrs/wk (2027 → 2029) of owner oversight.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: Requires executed partner agreements verifying Florida low-voltage licensing, certificates of insurance naming Prism, and customer sign-off before 75% partner payout release.
Pillar 2 · Mobility & Commercial Fleet
Wave 1 · Fleet Holding & B2B Shuttles
4 · Foundry Fleet & Commercial
Central vehicle asset holding company, intercompany luxury fleet lessor, and B2B corporate shuttle operator
1. What It Does & Who It Serves
Holds title, financing, commercial insurance, and depreciation for the group’s vehicle fleet, leases luxury SUVs and sedans internally to Obsidian Black (under Florida Statute 212.05 resale/lessor structure), and operates recurring B2B commercial employee and hotel/office shuttle contracts.
2. Customer Offers & Reference Pricing
- Internal Fleet Leases to Obsidian: Structured intercompany vehicle leases (eliminated on group consolidation so internal revenue is never double-counted).
- B2B Commercial Shuttle Retainers (Reference Offer): $2,800/mo recurring monthly billing per corporate/hotel/medical shuttle route ($1,150/mo net margin after $1,650 driver/fuel allocation).
- Dedicated Commercial Lease Programs: $1,100–$1,400/wk commercial fleet utilization packages.
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Direct B2B outbound to South Florida corporate campuses, luxury condominium associations, private aviation terminals (FBOs), and boutique hotels needing weekday shuttle loops.
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: Preventive maintenance performed in-house by Pitstop Mobile Auto; commercial fleet insurance and lessor compliance managed centrally; requires 6 hrs/wk (2027) → 5 hrs/wk (2029) of owner oversight.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: Requires CPA confirmation of Florida Statute 212.05 intercompany lease sales-tax exemption and binding commercial fleet insurance quotes prior to vehicle delivery.
Pillar 2 · Mobility & Commercial Fleet
Wave 1 · Flagship Luxury Mobility
5 · Obsidian Black
Executive black-car chauffeur service, private aviation terminal (FBO) & airport transfers, corporate retainers, and VIP charters
1. What It Does & Who It Serves
Operates South Florida’s executive chauffeur and black-car service across Palm Beach, Broward, and Miami-Dade—serving private jet FBO passengers, corporate executives, five-star hotel concierges, and private hourly charters.
2. Customer Offers & Reference Pricing
- Executive Airport & FBO Transfers (Reference Offer): $165–$245 flat-rate luxury transfers (PBI, FLL, MIA, Boca Raton & Opa-locka FBOs).
- Private Hourly & Evening Charters (Reference Offer): $95–$155/hr reference tiers (4-hour minimum) across BMW 530xi executive sedan ($95/hr), GMC Yukon Denali SUVs ($125/hr), and flagship Mercedes-Benz S500 ($155/hr).
- Corporate Executive Retainers & Affiliate Overflow: Priority monthly billing accounts + 14% net commission ($260 average booking) on overflow trips farmed out to vetted partner fleets.
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Multi-channel demand program ($3,300–$4,300/mo at 100% 6-Car scale: $1,800–$2,300/mo Google Local Search, $500–$700/mo Hotel & FBO Concierge, $600–$800/mo Corporate Retainer outreach, $400–$500/mo VIP Charter promo).
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: W-2 chauffeurs modeled under a 55% fare-share/burden structure with an $18/hr floor guarantee, scheduled on 4x10 peak-demand windows; requires 12 hrs/wk (2027) → 8 hrs/wk (2029) of owner oversight.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: Under Option A, SUVs #3–4 and the S500 remain gated until SUVs #1–2 sustain ≥32 booked hrs/wk for 8 consecutive weeks. Empirical chauffeur payroll records are currently 0 (planning model estimate).
Pillar 2 · Mobility & Commercial Fleet
Wave 2 · Gated ($0 in Active View)
6 · Vesper Motor Collection
Collector & exotic vehicle concierge sourcing, outright specialist acquisition (0% consignment per OD-0935), and bespoke restomod commissions
1. What It Does & Who It Serves
Provides high-net-worth automotive clients (primarily cross-sold from Obsidian Black’s VIP chauffeur & FBO aviation base) with deposit-backed collector and exotic vehicle sourcing and selective outright specialist acquisition (0% consignment per OD-0935). Held at $0 in Wave 1 by default, with a live toggle in the Parameter Studio (+$33,000/yr Wave-2 concierge fee net) plus the Codex Iter08 4-vehicle/yr outright collector acquisition schedule ($667,884 2029 revenue; +$38,137 pre-owner / +$23,808 post-owner EBITDA).
2. Customer Offers & Reference Pricing
- Deposit-Backed Automotive Concierge Sourcing Fee (Wave-2 Toggle): $3,500 flat sourcing & pre-purchase inspection retainer per collector vehicle mandate ($2,750 net profit/deal after $750 third-party PPI, title/escrow & enclosed carrier coordination).
- Outright Collector & Exotic Vehicle Acquisition (Codex Iter08 Schedule): 4 curated enthusiast/exotic vehicles/yr in 2029 ($667,884 Target revenue, $83,485 gross profit, +$38,137 pre-owner EBITDA / +$23,808 post-owner EBITDA under the Option B no-site launch rule; 0% consignment).
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Zero paid ad burn in Wave 1; private automotive lookbooks placed in Obsidian S500/Denali cabins, PCA/Ferrari/collector club events, and direct outreach to FBO aviation retainer clients.
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: No standalone retail dealership lease before scale (Option B no-site rule saves $17,079/yr in 2029); uses independent marque specialists for pre-purchase inspections (PPI), reconditioning, and enclosed insured transport.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: Held behind the Wave 2 qualification gate until Wave 1 cash flow is on track and escrow/mandate contracts are reviewed by legal counsel.
Pillar 3 · Digital Growth & Creator
Wave 1 · #1 Profit Contributor
7 · Lucent Digital Services
AI Receptionist SaaS, $495 Credited AI & Call-Capture Audits, conversion web builds, and recurring growth retainers
1. What It Does & Who It Serves
Serves as both the internal digital marketing engine for all eight Prism brands and a high-margin B2B digital agency & AI software provider for local home-service, medical, legal, and automotive businesses—making it the largest single profit contributor in the portfolio.
2. Customer Offers & Reference Pricing
- $495 Credited AI & Call-Capture Audit Wedge (Reference Offer): Paid 7-day diagnostic of a prospect’s missed calls, speed-to-lead, and search gaps—100% credited toward Month 1 if they sign a retainer within 14 days ($145 prep cost).
- $297/mo AI Receptionist & Missed-Call Software (Reference Offer): Productized 24/7 AI voice & SMS booking assistant ($215/mo net margin per active client after $82/mo telecom/AI/support cost).
- Conversion Web Builds & Monthly Growth Retainers: $2,650–$2,800 custom web builds + $1,500/mo recurring search, paid ads, and customer relationship management (CRM) retainers.
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Audit-first outbound and local search funnel—leading with the $495 Credited AI Audit to convert $1,500/mo retainers while offering the $297/mo AI Receptionist software as a sticky entry or downsell product.
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: Reusable industry web/funnel templates (home services, fleet, creator) and automated AI voice/SMS workflows; requires 14 hrs/wk (2027) → 10 hrs/wk (2029) of owner oversight.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: Requires 30-to-60-day pilot validation of $495 audit conversion rates and AI Receptionist monthly churn before scaling outbound spend.
Pillar 3 · Digital Growth & Creator
Wave 2 · Gated ($0 in Active View)
8 · Novelle Veil
Boutique digital creator management, fan-platform monetization, and turnkey creator website & batch-editing ops
1. What It Does & Who It Serves
Provides boutique, privacy-first management, content batch-editing, fan-funnel architecture, and custom creator websites for a capped roster (6–9 creators max). Held at $0 operating revenue in Wave 1 by default so owner bandwidth stays focused on core lines, with a live toggle in the Parameter Studio to test 2028–2029 activation.
2. Customer Offers & Reference Pricing
- 50/50 Net Revenue-Share Management Tier (Reference Offer): Full-service fan-funnel management, retention operations, and content calendar execution (modeled at $4,500/mo gross creator billings → $2,250/mo agency share).
- $2,500/mo Retainer + 25% Performance Tier (Reference Offer): Hybrid option for established creators wanting dedicated web & editing infrastructure.
- Reference Unit Margin (When Enabled in Wave 2): $2,250/mo agency share less $1,595/mo batch-editing/VA/platform cost = +$655/creator/mo net profit.
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Prospects are pitched using a live, custom-built creator fan-site demo (see the Sienna & Mara Sample Creator Site linked below) hosted on Lucent Digital’s web stack.
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: Variable per-creator video/photo batch editors and account VAs ($1,595/creator/mo) contracted only after a creator signs—zero fixed studio lease or idle payroll.
5. Financial Outlook (Live Active Selection vs. Options A, B & C)
6. Assumptions, Gates & Direct Links
Key Gate & Provenance: Held behind the Wave 2 Creator Pre-Launch Gate (-$6,500 legal review in 2027, $0 in 2029 unless toggled on); requires ≥2 signed creator letters of intent before activation.
MARKETING & SALES · DYNAMICALLY BOUND TO YOUR ACTIVE SCENARIO
Reach the right customers, cross-sell across the three pillars, and inspect active volume targets live.
Every business in Prism Holdings has a defined reference offer wedge, primary acquisition channel, and pilot validation rule—and the Active Scenario Volume & Target column below updates live whenever you switch between Option A, Option B, Option C, Baseline, or custom sliders.
COMPLETE 8-BUSINESS MARKETING & ACQUISITION MATRIX (ORDERED 1 TO 8)
Reference offer wedges, channel budgets, and live active-scenario volume targets
Separates fixed reference pricing/channel strategy from the active volume drivers modeled in your selected scenario.
↔ Swipe sideways to compare all columns
| Business & Pillar (1–8) | Reference Offer Wedge | Primary Acquisition Channels | Reference Budget / CAC Rule | Active Scenario Target & Status |
|---|
Pilot measurement rule: Every conversion rate, return-on-ad-spend (ROAS) figure, and utilization lift above is a documented planning hypothesis (
RECOMMENDED_HYPOTHESIS). Before scaling monthly ad spend or closing the Glean commercial route purchase, run 30-to-60-day paid pilots to measure actual cost-per-lead, booking conversion, and customer retention.PEOPLE, FLEET & RESOURCES · DYNAMICALLY BOUND TO YOUR ACTIVE SCENARIO
Keep staffing flexible, share one dispatch desk, and gate new vehicles on proven demand.
This page shows how people, vehicles, equipment, shared Customer Service Representative (CSR) dispatch funding, and weekly owner hours respond dynamically to your active scenario across all eight businesses, the shared Home Services pool, and Prism Holdings corporate governance.
COMPLETE 10-LINE STAFFING, FLEET & OWNER BANDWIDTH TABLE (ORDERED 1–8 + SHARED/CORPORATE)
Workforce model, fleet/equipment, and active-scenario capacity & owner hours
Owner time and shared CSR dispatch funding update automatically when you switch between Option A, Option B, Option C, Baseline, or Wave 2 toggles.
↔ Swipe sideways to compare all columns
| Business / Function | Workforce & Staffing Model | Active Fleet, Equipment & Systems | Active Owner Hrs/Wk (2027 → 2029) | Active Scenario Capacity & Funding Rule |
|---|
KEY OPERATING EFFICIENCY RULES (ACTIVE SCENARIO STATUS)
How the selected plan manages payroll and shared overhead
CAPACITY & EXPANSION GATES
Hard triggers before adding people, vehicles, or Wave 2 lines
- Fleet staging trigger (Option A vs. Options B/C): Under Option A, SUVs #3–4 and the Mercedes S500 stay held until SUVs #1 and #2 sustain ≥32 booked hours/week for 8 consecutive weeks.
- Glean commercial route capacity check (Option C): Verify cleaner headcount, night/weekend commercial building access, and <1.5%/mo account churn before closing the 35-account acquisition.
- Wave 2 gates (6 · Vesper & 8 · Novelle): Keep both lines at 0 hours and $0 operating burn in Wave 1 until Wave 1 cash flow and signed client deposits/agreements are in hand.
- Compliance pre-check: Confirm workers’ compensation classifications, overtime rules, and contractor agreements with employment counsel before onboarding staff.
Planning status: Empirical weekly chauffeur payroll records remain 0 (54,279 hypothetical driver-weeks modeled in the baseline). Confirm workers’ comp classifications, overtime rules, and contractor agreements with counsel before onboarding staff.
FINANCIAL PICTURE · LIVE CHARTS, TABLES & SIMULATOR
What the financial forecast projects across Options A, B, C, Baseline & Custom
Switch between Option A (Staged Fleet), Option B (6-Car Organic), Option C (6-Car + Commercial Route — Leaning Toward), the Baseline (Pre-Optimization Reference), Low, and High—or open the 15-Parameter Studio right here to test custom assumptions on the monthly chart and annual tables.
Not accepted for decisions yet. The model review verifies calculations and data links, not whether customer demand, route purchase, staffing, or financing will occur. Certified Public Accountant (CPA) review and owner acceptance are still open.
SINGLE OR OVERLAID METRIC INSPECTOR
Monthly projected operating profit after full owner pay
USD · year labels on the chart · 2026 covers November and December only
Monthly flow goals: loading from bound display…
How are the financial terms and acronyms defined?
Sales (Net Revenue): consolidated revenue after intercompany eliminations (-$635,152 over 38m in 6-Car modes; -$294,252 in Option A’s 2-SUV Staged mode). Projected Operating Profit (EBITDA): consolidated earnings before interest, taxes, depreciation, and amortization, stated after deducting the full $138,000/yr owner compensation package ($120,000 salary + $18,000 health benefits) at Holding. Cash After Modeled Tax (T2): consolidated net cash flow after seller-note debt service, vehicle/equipment capital expenditures (CapEx), and modeled C-Corp income taxes (21% Federal + 5.5% Florida with $50,000 exemption and 80% net operating loss carryforward limit).
Capital Pool & Acronyms: the $660,000 modeled starting capital pool combines $330,000 in Rollover for Business Startups (ROBS) retirement funds (governed by the Employee Retirement Income Security Act, ERISA) and $330,000 in non-ROBS capital/credit. CSR: Customer Service Representative. FBO: Fixed-Base Operator (private aviation terminal). PoE: wired Power-over-Ethernet. B2B: business-to-business.
CALENDAR YEAR VIEW
Annual results across Options C, B, A, Baseline, Low & High
2026 is a two-month startup stub (Nov–Dec 2026). 2027, 2028, and 2029 are complete 12-month calendar years.
↔ Swipe sideways to compare all columns
| Option / Case | Year | Months | Projected profit after owner pay | Cash after modeled tax |
|---|
Open validation items & external reviews
ROADMAP, 3-YEAR PROJECT SETUP GANTT & EXECUTION WORK HUB
From Day-1 legal, fleet, and route setup to 3-year strategic milestones across all eight businesses.
Structured using modern product-execution patterns (Linear roadmap timelines with collapsible lanes and milestone diamonds, Height / Linear 6-state status boards, and Notion / Fibery strategic-to-tactical relational hierarchies). Every record is dynamically linked to your active rollout choice (Option A, Option B, Option C, Baseline, or Custom).
1 · STRATEGIC GOALS VS. TACTICAL SETUP
12 Strategic Outcomes → 36 Tactical Setup Packets
Strategic Goals (12) define what portfolio milestone or capacity gate must be achieved (e.g., Wave 1 Fleet Readiness, Feb 2028 Cash Trough Reserve, Oct 2029 Flow Target). Tactical Setup Tasks (36) define the exact upfront actions needed in the beginning: entity formation, CPA/ERISA sign-off, Fla. Stat. 212.05 lease certificates, seller tax-return diligence, 4x10 chauffeur agreements, and CSR dispatch setup.
2 · TWO TIME HORIZONS
Year 1 Setup Zoom (14 Months) vs. Full 3-Year Roadmap (13 Quarters)
Switch between Initial Launch & Year 1 Setup Focus (Nov 2026 – Dec 2027)—which zooms into month-by-month pre-launch filings, equipment procurement, and 30-to-60-day paid pilots—and the Full 3-Year / 38-Month Roadmap (Nov 2026 – Dec 2029) across all four rollout stages, the 2028-02 cash trough, and Wave 2 conditional gates.
3 · 6 WORK STATES & COMPLETION INTEGRITY
Clear Readiness Rules & Verified Evidence
Every item sits in one of 6 states: Backlogged (unscheduled/Wave 2 queue), Planned (scheduled in Wave/Quarter), Ready for Work (prerequisites met for Day-1 start), In Progress (active work), Blocked (shows exact external blocker & unblock owner), and Completed (recorded modeling & live site deliverables; canonical execution done requires external sign-off & guard admission).
LIVE WORK STATE SUMMARY (CLICK ANY STATE CARD TO FILTER THE HUB)
48 Total Work Records: 12 Strategic Goals + 36 Tactical Setup & Pilot Tasks
RECORDED MODELING & SITE EVIDENCE (COMPLETED DELIVERABLES)
- Consolidated portfolio financial engine completed across all 10 business sections (
PORTFOLIO_ROLLUP.xlsxSHA-256b6df1ede…), evaluating 3 Rollout Choices (Options A, B, C) and the Historical Baseline Reference under identical accounting rules. - Independent cross-model audit verified $0.00 consolidation identity discrepancy (
sum(10 sections) + ELIMINATIONS == CONSOLIDATED), mode-specific 4x10 shift-floor savings (+$6,018.47 in Option A vs. +$48,455.80 in Options B & C), vehicle-specific 55% fare-share/burden payroll math, and exact C-Corp quarterly tax replay. - All 8 customer-facing brand websites, the sample creator fan site (
prism-creator-sample.pages.dev), and this interactive portfolio library are live on Cloudflare Pages with synchronized pricing, offers, and interactive scenario comparison.
CRITICAL REAL-WORLD EXECUTION GATES (OPEN & BLOCKED)
- Owner Rollout Choice (Option C vs. Option B vs. Option A): Confirm whether to proceed with Option C ($1,126,081 projected 2029 profit; $761,074 peak funding need = $101,074 additional funding requirement in Feb 2028), Option B ($1,029,121 projected 2029 profit; $62,810 additional funding requirement), or Option A ($934,654 projected 2029 profit; $537,515 peak need = $122,485 below the $660,000 modeled pool).
- CPA & ERISA Sign-Off: Formal review of the modeled C-Corp tax schedule ($252,714 38m tax in Option C), Florida Statute 212.05 intercompany lessor registration, and $330,000 Rollover for Business Startups (ROBS) retirement-rollover qualification.
- Glean 35-Account Route Due Diligence (Option C Critical Path): Verify seller tax returns, building access rules, cleaner transferability, and <1.5%/mo account churn before signing any letter of intent.
- 30-to-60-Day Paid Channel Pilots & Binding Insurance Quotes: Validate Obsidian multi-channel demand, Lucent $495 AI Audit conversion, Home Club take-rate, and commercial fleet insurance quotes before scaling monthly spend.
Completion integrity boundary: Recorded modeling and website deliverables above represent local planning and verification evidence only; canonical execution completion requires external legal/CPA/seller sign-off and Agent Hub guard admission.
DOCUMENTS & SOURCES
Supporting plans in the same private site.
Open the main source documents below or use the searchable document library for the full archive of business plans, marketing guides, staffing plans, and diligence notes.
Prism Holdings master business planPortfolio strategy, governance, and 8-brand operating architecture.Resource & Staffing Plan v10Workforce model, 4x10 shift rules, and owner bandwidth allocation.Glean Home Services marketing guideResidential, exterior restoration, commercial route & Home Club guide.Pitstop Mobile Auto go-to-market planInternal fleet SLA and B2B commercial lot fleet maintenance plan.Simply Tech marketing & partner planProsumer Wi-Fi, 4K PoE security, and licensed partner referral model.Prism Home Services companion planShared CSR dispatch desk and $399/yr Home Club membership structure.Open the full searchable document library →Search all saved plans, research, legal topics, decisions, and historical project documents inside this site.