START HERE · THE WHOLE PORTFOLIO IN PLAIN ENGLISH
One operating group, eight customer-facing businesses, and an interactive financial plan you can test live.
Prism Holdings is a South Florida operating group built around eight customer-facing businesses organized into three shared operating pillars: Home & Property Care (1 · Glean Home Services, 2 · Pitstop Mobile Auto, 3 · Simply Tech), Mobility & Commercial Fleet (4 · Foundry Fleet & Commercial, 5 · Obsidian Black, 6 · Vesper Motor Collection), and Digital Growth & Creator Management (7 · Lucent Digital Services, 8 · Novelle Veil). Instead of paying for eight separate back offices, the group shares one Customer Service Representative (CSR) dispatch desk, one fleet maintenance operation, and one digital marketing engine—while funding a full $138,000/yr owner compensation package at Holding against a $660,000 modeled starting capital pool.
Plan status: loading…Reading bound finance display
SECTION 1 · UNDERSTANDING THE 4 ROLLOUT OPTIONS BEFORE YOU COMPARE THE NUMBERS
What decision are we evaluating? Comparing Option A, Option B, Option C (Leaning Toward), and the Baseline
If you are reading this plan for the first time, the financial forecast evaluates two practical rollout choices over the 38-month launch horizon (November 2026 – December 2029) against our $660,000 modeled starting capital pool, alongside a pre-optimization reference case:
Q1
How fast do we launch the luxury vehicle fleet?
Do we start conservatively with 2 GMC Yukon Denali SUVs + 1 BMW 530xi sedan and hold the other 3 luxury vehicles until demand is proven at ≥32 booked hours/week for 8 straight weeks (Option A)? Or do we launch the full 6-vehicle fleet from Day 1 backed by Google Local Search, hotel concierge, private aviation terminal (FBO), and business-to-business (B2B) corporate retainer marketing (Options B & C)?
Q2
Do we grow commercial cleaning organically or buy an established route?
Do we grow Glean’s cleaning customers purely organically with zero acquisition debt (Options A & B)? Or do we acquire an established 35-account commercial janitorial route ($550/mo per account = $231,000/yr recurring revenue, financed with 30% down + a 48-month seller note at 7.5%) so Glean starts with immediate commercial route density (Option C)?
Option A · Staged Fleet
2 SUVs + 1 BMW + Organic Cleaning
Includes all 7 operating improvements while staging the fleet. Projected 2029 operating profit: $934,654 ($1,029,369 over 38m). Peak funding need: $537,515 (stays $122,485 below the $660,000 modeled capital pool).
Option B · 6-Car Organic
Full 6-Car Fleet + Organic Cleaning
Launches all 6 vehicles with multi-channel marketing and all 7 operating improvements, but zero bought cleaning route. Projected 2029 operating profit: $1,029,121 ($1,209,455 over 38m). Peak funding need: $722,810 ($62,810 additional funding requirement above the $660,000 pool).
Option C · Leaning Toward
Full 6-Car Fleet + 35-Acct Route
Pairs the 6-vehicle multi-channel fleet with the 35-account commercial cleaning route. Highest projected 2029 operating profit ($1,126,081; $1,500,335 over 38m) and $887,880 ending pool, with a $761,074 peak funding need ($101,074 additional funding requirement above the $660,000 pool).
Baseline · Reference Case
Earlier 6-Car Plan Before 7 Improvements
Baseline is the earlier six-vehicle plan before the seven operating improvements included in Options A, B, and C; it serves as a historical reference case. Without those improvements, projected 38m profit is $217,741 and peak funding reaches $988,057 ($328,057 additional funding requirement).
What are the 7 operating improvements included in Options A, B & C (and absent in the Baseline)?
(1) Dedicating Pitstop to internal fleet care in 2027 ($0 retail ad burn) plus B2B lot contracts in 2028–2029; (2) 4x10 peak-window chauffeur shift scheduling (-35% unbooked floor hours); (3) multi-channel 6-car marketing & 14% affiliate overflow; (4) Foundry $2,800/mo B2B shuttle retainers; (5) $399/yr Prism Home Club memberships funding 66.6% of shared Customer Service Representative (CSR) dispatch; (6) Lucent $495 credited AI audits & $297/mo AI Receptionist software; and (7) Simply Tech 25% referral commissions on $2,600 wired Power-over-Ethernet (PoE) security & Wi-Fi installs. Click any option card or top-bar button below to switch the entire site—including Marketing, People & Resources, and all 8 Business Dossiers—to that exact scenario.
SECTION 2 · INTERACTIVE ROLLOUT STUDIO & SIDE-BY-SIDE COMPARISON
Click any of the 4 rollout presets below—or open the 15 parameter sliders to test your own scenario live
Selecting an option card or dragging any slider recomputes all 38 months through the corporate tax and cash-flow engine ($0 rounding drift) and updates every tab, operating table, and business dossier across the site.
Option C (Leaning Toward)
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).
SIDE-BY-SIDE ROLLOUT COMPARISON MATRIX
How Option A, Option B, Option C (Leaning Toward), Baseline, and Your Active View compare line by line
↔ Swipe sideways to compare all columns
| Portfolio Metric | Your Active View Option C (Leaning Toward) |
|---|
Important cash-timing reality: A positive projected 2029 operating profit does not mean the portfolio is cash-positive in every early month. Full-year projected operating profit is negative during the 2-month 2026 startup stub and 2027 ramp, turns positive in 2028 and 2029, and reaches its maximum cumulative cash drawdown in February 2028 for Options A, B, and C (or August 2028 in the pre-optimization Baseline). Compare Option A ($537,515 peak funding need = $122,485 below the $660,000 modeled capital pool) against Option B ($722,810 peak need = $62,810 additional funding requirement), Option C ($761,074 peak need = $101,074 additional funding requirement), and the Baseline ($988,057 peak need = $328,057 additional funding requirement).
WHAT YOUR ACTIVE SELECTION MEANS
Where the plan stands under your active selection
We are leaning toward Option C because pairing the 6-vehicle luxury fleet with a 35-account commercial cleaning route (30% down + 48-month seller note at 7.5%) projects $1,126,081 in 2029 operating 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 additional funding requirement above the $660,000 modeled capital pool). Switch to Option A ($934,654 projected 2029 operating profit; $537,515 peak funding need) if you prefer to stay $122,485 below the $660,000 modeled pool without an external credit line.
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.
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.
Rather than launching eight disconnected startups, Prism Holdings sequences the portfolio in three disciplined stages across three shared operating pillars—so high-margin digital subscriptions and recurring commercial contracts help fund shared Customer Service Representative (CSR) dispatch and fleet overhead early.
Stage 1 · Anchor recurring B2B & digital cash flow
Launch 7 · Lucent Digital’s $495 Credited AI & Call-Capture Audit wedge (converting into $1,500/mo retainers) and sticky $297/mo AI Receptionist software alongside 1 · Glean Home Services. Under Option C (Leaning Toward), Glean acquires a 35-account business-to-business (B2B) commercial janitorial route ($550/mo per account = $231k/yr, financed 30% down + 48m note at 7.5%) on Day 1; under Options A & B, Glean grows organically alongside exterior bundles ($375 pressure wash, $275 window, $1,200 paver sealing).
Stage 2 · Fill fleet & shared dispatch capacity
Scale 5 · Obsidian Black and 4 · Foundry Fleet & Commercial using multi-channel demand (Google Local Search, hotel concierges, private aviation terminals (FBOs), corporate retainers, and VIP charters) paired with 4x10 peak-window chauffeur shift scheduling. Under Option A, only 2 SUVs + 1 BMW launch initially (holding 3 vehicles until ≥32 booked hrs/wk); under Options B & C, all 6 vehicles deploy with Foundry adding $2,800/mo B2B shuttle retainers, 2 · Pitstop serving internal fleet care in 2027 before adding $650/mo B2B lot fleet contracts in 2028–2029, and the $399/yr Prism Home Club scaling to 185 members.
Stage 3 · Monetize partner referrals & gate Wave 2
Project zero-payroll commission flow in 3 · Simply Tech by routing smart-home Wi-Fi and wired 4K Power-over-Ethernet (PoE) security installs ($2,600 average package) to licensed third-party low-voltage integrators for a 25% referral commission ($605 net/job). Meanwhile, keep 6 · Vesper Motor Collection (deposit-backed watch/exotic sourcing) and 8 · Novelle Veil (creator management) strictly gated at $0 operating burn in Wave 1 unless you toggle them on in the parameter studio.
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 + 2 SHARED/CORPORATE ROWS)
Projected 2029 revenue & operating profit by line — Active Selection vs. Options A, B & C
Ordered 1 to 8 by operating pillar, followed by visually separated rows for the shared Home Services dispatch pool and Prism Holdings corporate governance (where the full $138,000/yr owner compensation package is booked).
↔ Swipe sideways to compare all columns
| Business & Pillar | Launch Stage | Active 2029 Revenue | Active 2029 Profit (Before Owner Pay) | Compare 2029 Profit: Opt A / Opt B / Opt C | What Your Active Selection Models |
|---|
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
Deposit-backed luxury timepiece & exotic vehicle concierge sourcing and bespoke restomod commissions
1. What It Does & Who It Serves
Provides high-net-worth clients (primarily cross-sold from Obsidian Black’s VIP chauffeur & FBO aviation base) with deposit-backed luxury watch and collector vehicle sourcing—operating with $0 speculative inventory float. Held at $0 in Wave 1 by default, with a live toggle in the Parameter Studio to test 2028–2029 activation.
2. Customer Offers & Reference Pricing
- Deposit-Backed Concierge Sourcing Fee (Reference Offer): $3,500 flat sourcing & authentication retainer per timepiece/collector acquisition ($2,750 net profit/deal after $750 third-party authentication, insured courier & escrow cost).
- Bespoke Collector Commissioning Tiers (Reference Offer): $12.5k / $32k / $75k+ milestone-funded restomod and collector build coordination (100% client-escrow funded).
Show Marketing & Staffing Details (Sections 3 & 4) ▾
3. How It Wins Customers (Marketing & Active Target)
- Reference Channels: Zero paid ad burn; private lookbooks placed in Obsidian S500/Denali cabins and direct relationship outreach to existing corporate and FBO aviation retainer clients.
4. Team, Fleet & Operations (People & Active Capacity)
- Reference Operating Model: Zero showroom lease or inventory float; uses bonded third-party watchmakers, independent vehicle inspectors, and insured transport funded out of cleared client deposits.
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.
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| Business / Function | Workforce & Staffing Model | Active Fleet, Equipment & Systems | Active Owner Hrs/Wk (2027 → 2029) | Active Scenario Capacity & Funding Rule |
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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.
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.
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| Option / Case | Year | Months | Projected profit after owner pay | Cash after modeled tax |
|---|
Open validation items & external reviews
PROGRESS & DECISIONS
What has been checked, and what is still open.
This page separates completed modeling and verification work from the remaining real-world execution gates. “Reviewed” means the math reconciled—not that external contracts or financing are signed.
COMPLETED
- Consolidated portfolio financial engine completed across all 10 business sections (
PORTFOLIO_ROLLUP.xlsxSHA-256b6df1ede…), evaluating Option A (Staged Fleet), Option B (6-Car Organic), Option C (6-Car + 35-Account Commercial Route), and the Baseline (Pre-Optimization 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 (plus the sample creator fan site and this interactive portfolio library) are live on Cloudflare Pages with synchronized pricing, offers, and interactive scenario comparison.
STILL OPEN
- Owner Rollout Choice (Option C vs. Option B vs. Option A): We are leaning toward Option C ($1,126,081 projected 2029 operating profit; $887,880 ending pool; $761,074 peak funding need requiring a $101,074 additional funding requirement above the $660,000 modeled pool), while keeping Option B ($1,029,121 projected 2029 profit; $722,810 peak need) and Option A ($934,654 projected 2029 profit; $537,515 peak need = $122,485 below the $660,000 modeled pool) active for comparison.
- 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.
- Empirical Payroll & Insurance Quotes: Replace modeled chauffeur payroll and commercial insurance assumptions with binding carrier quotes and pilot payroll records.
- 30-to-60-Day Paid Channel Pilots: Validate Obsidian multi-channel demand, Lucent $495 AI Audit conversion, Home Club membership take-rate, and Glean commercial route seller due diligence.
What the financial review does not prove: customer commitments, real sales, empirical payroll history, hiring availability, signed acquisition terms, lender approval, opening readiness, or an approved business forecast.
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.