Active Plan: Recommended Full 10-Brand Plan

2029 Profit: $2,359,769 · Peak Cash Need: $656,135 · Ending Cash: $2,128,863

Reading depth:

CHAPTER 1 · EXECUTIVE RECOMMENDATION · OWNER-REVIEW DRAFT · RECOMMENDED FULL 10-BRAND PLAN (<=$660K SELF-FUNDED · 4-ROOM STUDIO JAN 2027 · VESPER ACTIVE JUL 2027)

Recommended Full 10-Brand Plan: +$2,359,769.10 2029 Profit after Owner Pay, $656,135.46 Peak Cash Need inside the $660,000 Pool.

Self-Funded Inside $660k: Peaks at $656,135.46 in 2027-06 (+$3,864.54 cushion; or $652,237.07 / +$7,762.93 cushion if the $20k 4-room studio fit-out is split $10k Jan / $10k Jul) by funding $220k of 2028 fleet/route expansion from operating cash flow and launching #5 Vesper post-trough in July 2027.
All 10 Portfolio Lines Profitable in 2029: Generates $11,516,563.30 in 2029 revenue and +$2,359,769.10 post-owner EBITDA across all 10 active lines after $177,411/yr company owner cost at Holding ($10,000/mo W-2 cash wages before income tax + $2,500/mo 401k deposit + $1,500/mo health coverage + $9,411/yr employer payroll tax; +$2,537,180.10 Pre-Owner SDE; +$3,359,832.05 38m profit; +$1,468,862.91 38m cash; with #5 Vesper adding $667,884.00 2029 revenue / +$30,797.08 post-owner profit and the 4-room Novelle Veil studio contributing $1,256,513.88 revenue / +$657,457.07 post-owner profit).
Ending Pool & Year-3 Draft Exit Illustration ($10.05M–$17.89M Non-Cash Valuation): Ends Dec 2029 with $2,128,862.91 cash pool ($1,300,972.59 net debt-free surplus cash generated [$1,468,862.91 38m cash minus -$167,890.32 Glean route note], or $1,960,972.59 total debt-free bank cash including the $660k pool), $0 vehicle debt, and $509k–$553k hard-asset fleet/rig FMV ($12.39M SOTP / $14.55M 3-Bundle / $15.50M Single Portfolio draft illustration—not cash in the bank). Open the Owner-Planning Workbook →

Plan status: loading…Reading bound finance display

Recommended Plan Highlights ▾

Recommended Full 10-Brand Plan (<=$660k Self-Funded): Covers all 10 portfolio lines under 3 Legal LLCs—including the 4-room creator studio ($8,500/mo starting Jan 2027), staged cash vehicle purchases, post-trough Vesper luxury vehicle brokerage (July 2027), and organic customer growth—keeping peak cash need at $656,135 (+$3,865 cushion below the $660,000 pool) and generating $2,359,769 in 2029 operating profit after full CEO compensation.

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1. 38-Month Revenue & Profit Trajectory: $3.51M ($3,508,368 in 2027) → $8.37M ($8,369,108 in 2028) → $11.52M ($11,516,563 in 2029) → $23.40M ($23,399,083 over 38m) Net Revenue; -$177.5k (-$177,460 in 2027) → +$1.27M (+$1,269,806 in 2028) → +$2.36M (+$2,359,769 in 2029) → +$3.36M (+$3,359,832 over 38m) Operating Profit After Owner Pay; +$1.47M (+$1,468,863) 38m After-Tax Cash ($2.13M / $2,128,863 Ending Cash Pool).
2. Staged <=$660k Self-Funded Expansion ($0 Credit Line Needed): Waiting until May–September 2028 positive cash flow to fund $220k of expansion equipment (Glean Route #3 + Foundry Vehicles #4–#6) and launching #5 Vesper in July 2027 (post-trough) keeps Peak Cash Need at $656,135 in 2027-06 (leaving a +$3,865 cash cushion below the $660,000 starting pool, or +$7,763 with split studio fit-out).
3. 4-Room Creator Studio (Jan 2027) & Active Vesper Brokerage (Jul 2027): Novelle Veil leases the 5-bedroom house ($8,500/mo rent + $1,100/mo utilities = $9,600/mo) in Jan 2027, turning cash-flow positive in May 2027 and generating $1,256,514 2029 revenue and +$657,457 post-owner profit; #5 Vesper launches in July 2027 at 4 luxury collector vehicles/yr (1/quarter = 10 over 38m @ $166,971/unit), generating $667,884 2029 revenue, +$30,797 post-owner profit, and +$46,003 38m after-tax cash.
4. Year-3 (2029-12) Debt-Free Cash & Hypothetical Exit Range ($10.05M–$17.89M Non-Cash Pre-Transaction Valuation): Paying off the remaining $167,890.32 Glean route note ($0 vehicle debt) leaves $1,300,972.59 net debt-free surplus cash generated ($1,960,972.59 total debt-free bank cash including the $660k initial pool) + $509k–$553k hard assets (6 luxury vehicles + 5 Glean rigs) + ~$240k collectible customer receivables—supporting a hypothetical non-cash valuation of $12.39M (Option 1 Individual Brand Sale), $14.55M (Option 2 Three LLC Platform Bundles), or $15.50M (Option 3 Single Portfolio Sale).

Recommended staged plan charts and readouts ▾

CURRENT RECOMMENDED STAGED PLAN

Recommended Full 10-Brand Plan

One active staged plan drives the charts, annual readouts and business tables below.

Recommended Full 10-Brand Plan

WHY THIS RECOMMENDED STAGED PLAN FITS THE $660,000 POOL · LIVE DECISION ARTICULATION

1. Recommended Portfolio Outcome: The Recommended Full 10-Brand Plan (Staged <=$660k) projects $2,359,769 in 2029 post-owner EBITDA across all 10 active portfolio lines (9 standalone operating lines + #10 Motors & Fleet non-additive subtotal, with #5 Vesper launching post-trough in July 2027 at 4 collector vehicles/yr = $667,884 2029 rev / +$30,797 post-owner profit), and $3,359,832 over 38 months.
2. Capital Pool & Self-Funded Cushion: Peak cumulative cash need is $656,135 in 2027-06, staying +$3,865 below the $660,000 starting capital pool (or $652,237 peak / +$7,763 cushion if the $20,000 studio fit-out is split $10k Jan / $10k Jul).
3. 4-Room Creator Studio & Staged Reinvestment: Launching the 4-room creator studio at $8,500/mo base rent in Jan 2027 flips positive in May 2027 and lifts #9 Novelle to $1,256,514 2029 revenue and +$657,457 post-owner profit while $220,000 of 2028 fleet/route expansion releases from operating cash surplus.

STEP 2 · RECOMMENDED STAGED PLAN TRAJECTORY

Remaining Cash Pool vs. $660,000 Starting Pool & Cash Trough (Nov 2026 – Dec 2029)

Lines:

↔ Swipe graph left or right with your finger to inspect all 38 months & 13 quarters

Month (2027-06 · Selected-plan cash low):

STEP 3 · SIDE-BY-SIDE ROLLOUT COMPARISON MATRIX

Recommended staged plan financial summary

Tap any option column header to switch the active view

↔ Swipe sideways to compare all columns

Portfolio Metric						Your Active View Recommended Full 10-Brand Plan

New Recommended Plan Summary ($2,359,769 2029 Profit · $656,135 Peak Need · 4-Room Studio @ $8,500/mo Jan 2027 · Vesper Active Jul 2027):

New Recommended Full 10-Brand Plan (<=$660k Staged Self-Funded): Our master portfolio plan across all 10 portfolio lines under 3 Legal LLCs (including 3 commercial lawn rigs + 2 pool rigs in #1 Glean, post-trough July 2027 collector vehicle acquisition/resale in #5 Vesper Motor Collection at 4 vehicles/yr, active 15-creator roster + 4-room creator studio @ $8,500/mo base rent starting Jan 2027 in #9 Novelle Veil, and full B2B digital scale in #8 Lucent Digital). Generates $11,516,563 in 2029 revenue and +$2,359,769 in 2029 operating profit after $177,411/yr CEO compensation—while keeping peak cash need at $656,135 in June 2027 (+$3,865 [$7,763 w/ split fit-out] cushion below the $660,000 starting pool) by launching Vesper in July 2027 after the June trough and funding $220,000 of expansion equipment from May–September 2028 operating cash flow.

WHAT THE OWNER IS PAID & 401(k) EQUITY ROADMAP · QUARTERLY & ANNUAL STEPPING STONES (NOV 2026 – DEC 2029)

What the owner is paid in plain language: $10,000/mo cash wages before income tax ($14,000/mo total direct package), optional Q4 2028 raise, and C-Corp retained cash

This section tracks every quarter from 2026-Q4 through 2029-Q4 on the owner-review draft—showing your planned $10,000/mo ($120,000/yr) W-2 cash wages before income tax (which stay flat through Q3 2028 and depend on operating cash and pool availability), how $14,000/mo ($168,000/yr) bundles W-2 cash wages + a $2,500/mo 401(k) deposit + $1,500/mo health coverage ($177,411/yr company cost at Holding after $9,411 employer payroll tax), when an optional raise to $180k–$245k/yr can be considered after the $660,000 pool is recovered in Q4 2028, and how your ROBS 401(k) trust (50% shareholder) holds $95,000 in direct 401(k) deposits plus a 50% ($1,064,431) attribution of the C-Corp's ending bank balance (corporate cash subject to the $167,890 Glean seller note and CPA/ERISA rules, not personal spendable cash).

Open Workbook Paycheck Rules → Open 4-Stage Resourcing, Labor & Capital Outlay Plan →

1 · Cash Wages vs. Bundled Package (Booked Once at Holding) $120,000 / yr Cash Wages · $168,000 / yr Package $10,000/mo W-2 cash wages before income tax ($30k/qtr · $120k/yr) + $2,500/mo 401(k) deposit ($7.5k/qtr · $30k/yr) + $1,500/mo health coverage ($4.5k/qtr · $18k/yr) = $14,000/mo bundled package (not take-home cash pay). Company cost at Holding is $177,411/yr after ~$9,411 employer payroll tax ($561,994 over 38m); per-line owner shares are a management view, not a second paycheck.

2 · Optional Salary Step-Up Illustration (Unbooked) $120k Booked · Optional $180k–$245k After Q4 28 Cash wages stay flat at $10,000/mo ($120,000/yr) through Q3 2028 (and remain booked at $120k/yr through Dec 2029 in the baseline cash path). Once the $660k pool is recovered in Dec 2028 (2028-Q4: $723k pool), an optional board-approved raise to $45k in Q4 2028 and $245k/yr in 2029 is shown as an unbooked illustration (would reduce the ending C-Corp pool by ~$149k before tax).

3 · ROBS 401(k) Trust Attribution (50% C-Corp Equity) $95k Direct 401(k) + $1,064,431 Pool Share Includes $95,000 in direct 401(k) deposits ($2,500/mo × 38m) PLUS a 50% ($1,064,431) shareholder attribution of the $2,128,863 ending C-Corp bank pool ($1,159,431 combined attribution; $1,157,531 on the CPA $29,400/yr 401k statutory note). Retained pool cash sits inside the C-Corp treasury (with $167,890 Glean seller note remaining) and is not personal spendable cash.

4 · Personal Cash Wages & 50% C-Corp Attribution $380k W-2 + $57k Health + $1,064,431 Pool Share Includes $380,000 in gross W-2 cash wages before income tax + $57,000 in health coverage ($437,000 over 38m) PLUS your 50% ($1,064,431) shareholder attribution of the ending C-Corp cash pool ($1,501,431 combined before dividend tax or debt payoff).

Plain-Language Paycheck & Retained C-Corp Cash Rules: (1) Cash wages are $10,000/mo ($120,000/yr) before personal income tax—planned operating expenses paid as cash is available. (2) $14,000/mo ($168,000/yr) is a bundled package ($10,000 W-2 cash wages + $2,500 401k deposit + $1,500 health coverage), not take-home cash pay; Holding books the $177,411/yr company cost once after ~$9,411 employer payroll tax. (3) Retained C-Corp Cash Pool ($2,128,863 by Dec 2029): Remains corporate cash inside the C-Corp bank account ($1,960,973 net of the $167,890 Glean route note) until a board-approved pro-rata dividend or exit.

STEPPING STONES PART A · ANNUAL PROGRESSION (2026 STUB → 2027 → 2028 → 2029 → 38-MONTH TOTAL)

Year-by-Year Portfolio Sales, Bundled Owner Package ($10k/mo Cash Wages + 401k + Health), Unbooked Raise Option & 50/50 C-Corp Pool Attribution

↔ Swipe sideways to inspect all annual columns

Calendar Year & Stepping-Stone Phase	Portfolio Net Revenue	Bundled Owner Package $10k/mo W-2 + $2.5k 401k + $1.5k Health	Unbooked W-2 Raise Option Illustration After Q4 28	Post-Owner Operating Profit	Staged Net After-Tax Cash	Ending $660k Cash Pool	401(k) Trust Attribution 50% C-Corp Pool + $2.5k/mo 401k	Personal Attribution 50% C-Corp Pool + Cum. W-2/Health

STEPPING STONES PART B · QUARTER-BY-QUARTER ROADMAP (ALL 13 QUARTERS: 2026-Q4 → 2029-Q4)

Quarterly Revenue, Operational Milestones, Your $42,000/Qtr Direct Pay, and Quarterly 401(k) Profit & Cash Take-Back

↔ Swipe quarterly graph left or right with your finger to inspect all 13 quarters (2026-Q4 – 2029-Q4)

↔ Swipe sideways to inspect all 13 quarters from 2026-Q4 through 2029-Q4

Quarter	Stepping-Stone Phase & Key Operational Milestone	Quarterly Revenue	Your Direct Paycheck W-2 + 401(k) + Health	Post-Owner Profit	Staged Net Cash Flow	Ending $660k Cash Pool	401(k) 50% Profit / Cash Share (Qtr)	Total Liquid 401(k) Value 50% Pool + Cum. Contrib	Personal 50% Pool + Cum. W-2/Health

3 LEGAL OPERATING LLCs + CENTRAL ENTITIES RECONCILIATION SUMMARY

How the 3 Legal Operating LLCs and Central Entities add up to 100% of Portfolio Revenue, Profit, Cash & Exit Value

Groups the 10 portfolio lines under their 3 actual Florida operating LLCs—plus the 4th reconciliation row for Central Entities (Prism Holdings LLC & Prism Property LLC) and intercompany eliminations so every column ties to the exact consolidated total with $0 drift.

Entity 1 · Home Services LLC (#1–#4)

$3,620,569 2029 Rev · +$742,097 Post-Owner Profit (31.4% share) · $3.71M–$5.19M Bundle Exit

Entity 2 · Prism Mobility, LLC (#5, #6, #7, #10)

$3,978,754 2029 Rev · +$300,194 Post-Owner Profit (12.7% share) · $1.16M–$1.59M Bundle Exit

Entity 3 · Digital LLC (#8–#9)

$4,143,903 2029 Rev · +$1,317,478 Post-Owner Profit (55.8% share) · $5.93M–$8.56M Bundle Exit

↔ Swipe sideways to inspect 2027, 2028, 2029 Revenue & Profit, 38-Month Cash, and Year-3 Exit Valuation by Legal LLC

Legal Operating LLC / Reconciliation Group	Included Portfolio Lines	2027 Profit	2028 Profit	2029 Revenue	2029 Pre-Owner Profit	2029 Post-Owner Profit	38m After-Tax Cash	Year-3 Estimated Exit Range
Entity 1: Prism Home Services LLC #1–#4	#1 Glean · #2 Simply Tech · #3 Pitstop · #4 Prism Home Services (Parent Platform & Home Club)	+$77,090	+$431,636	$3,620,569	+$803,466	+$742,097	+$427,706	$2.89M – $4.36M (SOTP) · $3.71M – $5.19M (Bundle)
Entity 2: Prism Mobility, LLC #5, #6, #7 [excluding #10 subtotal]	#5 Vesper ($667.9k) · #6 Foundry Fleet ($810.1k) · #7 Obsidian Black ($2.50M) (#10 Motors & Fleet $3.31M subtotal excluded from sum)	-$69,749	+$239,767	$3,978,754	+$349,830	+$300,194	-$287,759	$1.02M – $1.46M (SOTP) · $1.16M – $1.59M (Bundle)
Entity 3: Prism Digital LLC #8–#9	#8 Lucent Digital ($2.89M) · #9 Novelle Veil ($1.26M)	-$4,327	+$712,175	$4,143,903	+$1,391,227	+$1,317,478	+$1,330,877	$4.61M – $7.58M (SOTP) · $5.93M – $8.56M (Bundle)
4th Central Entities (Prism Holdings LLC & Prism Property LLC) Reconciliation Row	Prism Holdings LLC (CEO $177,411/yr pay booked once legally; allocated across #1–#9 in Post-Owner col) + Prism Property LLC + Intercompany Lease Eliminations (-$226,663 rev)	-$180,474	-$113,772	-$226,663	$0 (Pre-Owner SDE)	-$177,411 (Allocated across #1–#9 above)	-$1,961	+$1.30M Net Cash + $0.40M–$0.55M Fleet/NWC Credit (= +$1.70M–$1.85M)
Consolidated Portfolio Total (100% Tie-Out · $0 Drift)	All 10 Portfolio Lines under 3 Legal LLCs + Central Entities (38-Month Operating Profit: $3,359,832)	-$177,460	+$1,269,806	$11,516,563	+$2,537,180	+$2,359,769	+$1,468,863 ($2,128,863 w/ $660k Pool)	$10.05M – $15.03M (SOTP · $12.39M Base) · $12.37M – $16.99M (3-Bundle · $14.55M Base) · $13.30M – $17.89M (1-Portfolio · $15.50M Base)

10-Line Year-by-Year Stepping-Stones Breakdown (2026 → 2027 → 2028 → 2029 → 38m) & Year-3 Exit Valuation Matrix ▾

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 the Recommended Full 10-Brand Plan, 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 Key Operating Drivers

Business / Portfolio Line	2026 (2m Stub)	2027 (Yr 1)	2028 (Yr 2)	2029 (Yr 3)	38-Month Total	2029 Post-Owner Normalized	38m After-Tax Cash & Break-Even	Recommended Plan Key Drivers & Notes

STAGED <=$660,000 SELF-FUNDED CAPITAL SCHEDULE & YEAR-3 (2029-12) DEBT-FREE EXIT VALUATION

How the Recommended Plan stays inside $660,000 ($656,135 peak need in 2027-06) and builds a $10.05M–$17.89M Year-3 exit

Stages $220,000 of expansion CapEx (Glean Route #3 down payment + Foundry Vehicles #4–#6) into May–Sep 2028 when monthly operating cash exceeds +$92k–$108k/mo, and retires 100% of remaining debt at 2029-12.

PART A · STAGED <=$660,000 SELF-FUNDED REINVESTMENT SCHEDULE

Peak Pre-Reserve Need Capped at $656,135 (+$3,865 Cushion Below $660k, or +$7,763 w/ Split Fit-Out)

1. Phase 1 Initial Launch (2026-11 to 2027-06 · Capped at <=$660k): Launches 3 luxury chauffeur vehicles (2 Yukon Denalis + 1 S500/BMW), 2 Glean routes + lawn/pool rigs, Lucent Digital, Novelle Veil (4-room creator studio @ $8,500/mo base rent starting Jan 2027), Pitstop, Simply Tech, and Home Services. Peak cumulative pre-reserve drawdown hits $656,135.46 in 2027-06 (leaving +$3,864.54 cushion below $660,000, or +$7,762.93 if studio fit-out is split $10k Jan / $10k Jul; statutory reserve-inclusive peak is $1,053,246) and a secondary trough of $527,242.94 in 2028-02.
2. Phase 2 Cash-Flow-Funded Expansion (May–Sep 2028 · $0 External Debt/Equity):
- 2028-05: Monthly operating cash reaches +$97,367 → self-funds $40,000 Glean Route #3 down payment (+$57,367 net monthly surplus).
- 2028-07: Monthly operating cash reaches +$92,772 → self-funds $60,000 Foundry Luxury Vehicle #4 (+$32,772 net monthly surplus).
- 2028-09: Monthly operating cash reaches +$108,437 → self-funds $120,000 Foundry Luxury Vehicles #5 & #6.
3. Full 2029 Capacity Preserved: All 6 luxury vehicles, 4 collector vehicles/yr in Vesper, 3 Glean routes, 5 lawn/pool rigs, and the 4-room Novelle Veil studio operate for 100% of 2029, delivering the full $11,516,563 2029 Net Revenue, +$2,359,769 Post-Owner EBITDA, and +$1,468,863 38m After-Tax Cash.

PART B · YEAR-3 (2029-12) DEBT-FREE BALANCE SHEET & HARD ASSETS

$1,300,973 Debt-Free Cash + $509k–$553k Physical Fleet/Rigs + ~$240k Net Working Capital AR

1. 100% Debt-Free Retained Cash ($1,300,972.59): Cumulative 38m after-tax cash is $1,468,862.91 (or $2,128,862.91 including the $660k initial pool). Foundry vehicle loans are $0.00 (paid off by 2029-12); paying off the remaining $167,890.32 Glean route seller note leaves $1,300,972.59 in pure debt-free cash (or $1,960,972.59 with initial pool).
2. Debt-Free Hard Assets ($509,000–$553,000 FMV at 2029-12) & ROBS Exit Rule:
- Foundry & Obsidian: 6 debt-free luxury vehicles (4 Yukon Denalis, 1 Mercedes S500, 1 BMW Sedan — refreshed in 2028–2029) worth $360,000–$385,000 FMV.
- Glean Home Services: 3 commercial lawn rigs + 2 pool rigs + wash equipment worth $135,000–$150,000 physical FMV (plus $361k acquired route contracts).
- Novelle, Simply Tech & Home Services: 4-room creator studio ($20,000 lighting/camera/acoustic fit-out) + AV/inspection gear ($18,000–$22,000 FMV) + ~$240,000 collectible client AR.
- ROBS 401(k) Exit Proceeds Note: Under ERISA rules, sale proceeds attributable to the 401(k) plan’s pro-rata C-Corp stock ownership flow tax-deferred back into the ROBS retirement trust before personal distribution.

↔ Swipe sideways to compare Year-3 (2029-12) M&A Exit Valuation Options (Post-Owner $2.36M EBITDA / Pre-Owner $2.54M SDE)

Year-3 (2029-12) Exit Structure (Recommended Plan)	2029 Post-Owner EBITDA / Pre-Owner SDE	Blended EBITDA Multiple (Cons / Base / Aggr)	Enterprise Value (Post-Owner Basis)	Debt-Free Cash + Hard-Asset / NWC Credit	Hypothetical Non-Cash Exit Illustration (Cons / Base / Aggr)
Exit Option 1 · Individual Brand Sale (Sum-of-the-Parts) Sell each of the active brands separately to local/regional buyers	$2,359,769 post-owner $2,537,180 pre-owner SDE	3.63x / 4.60x / 5.70x	$8.52M / $10.81M / $13.39M	+$1.30M net cash +$350k–$500k surplus fleet/AR credit	$10.05M / $12.39M / $15.03M (Base Equity Bridge [EV + Cash before $425k credit]: $9.82M / $12.11M / $14.69M)
Exit Option 2 · Three Industry Platform Bundles Home Services ($4.45M) + Digital/Creator ($7.25M) + Mobility ($1.37M)	$2,359,769 post-owner $2,537,180 pre-owner SDE	4.60x / 5.58x / 6.55x	$10.80M / $13.07M / $15.35M	+$1.30M net cash +$400k–$500k surplus fleet/AR credit	$12.37M / $14.55M / $16.99M (Base Equity Bridge [EV + Cash before credit]: $12.10M / $14.37M / $16.65M)
Exit Option 3 · Single Multi-Brand Portfolio Sale (Recommended Exit) Institutional PE / family-office platform sale at 5.0x–7.0x EBITDA	$2,359,769 post-owner $2,537,180 pre-owner SDE	5.00x / 6.00x / 7.00x	$11.80M / $14.16M / $16.52M	+$1.30M net cash +$400k–$550k surplus fleet/AR credit	$13.30M / $15.50M / $17.89M (Base Equity Bridge [EV + Cash before credit]: $13.10M / $15.46M / $17.82M)

Cash-Timing Sequence (How the $660,000 Pool Covers the Entire Ramp With $0 Credit Line):

1. 2026–2027 Startup Ramp: Operating profit is negative during the 2-month 2026 stub (-$2,283) and 2027 ramp (-$177,460) while the Phase-1 3-vehicle fleet, 2 Glean routes, and the 4-room creator studio ($8,500/mo base rent starting Jan 2027) are onboarded.
2. Maximum Cash Trough in June 2027 (2027-06): Cumulative cash drawdown reaches its maximum peak of $656,135 in June 2027 (leaving $3,865 in remaining cash inside the $660,000 pool, or $7,763 if studio fit-out is split $10k Jan / $10k Jul). The Novelle creator studio turns cash-flow positive in May 2027 (+$1,274/mo) and generates +$8,813/mo by August 2027, while #5 Vesper Motor Collection launches post-trough in July 2027 (2027-07) with zero effect on the June trough.
3. Self-Funded 2028 Expansion & $2.13M Ending Cash Pool: The portfolio flips cash-flow positive in H2 2027, self-funds $220,000 of expansion equipment in May–September 2028 strictly from operating cash surplus, and finishes December 2029 with a $2,128,863 ending cash pool (+$1,468,863 net cash generated after tax + $660,000 starting pool).

RECOMMENDED PLAN SUMMARY

Where the Recommended Plan stands at a glance

1. Recommended Full 10-Brand Plan (<=$660k Staged Self-Funded): Projects $11,516,563 in 2029 revenue, +$2,359,769 in 2029 operating profit after $177,411/yr CEO pay (+$3,359,832 over 38m), and a $2,128,863 ending cash pool.
2. Self-Funded Within $660,000 ($0 Credit Line Needed): Waiting until May–September 2028 positive cash flow to fund $220,000 of expansion equipment keeps Peak Cash Need at $656,135 in June 2027 (+$3,865 cushion below the $660,000 pool, or +$7,763 with split studio fit-out).
3. 4-Room Creator Studio ($8,500/mo Base Rent Starting Jan 2027): Ramps 1 → 2 → 3 → 4 rooms across 2027, flips cash-flow positive in May 2027 (3 rooms filled), and delivers $1,256,514 in 2029 revenue and +$657,457 in 2029 post-owner profit.

Inspect all 10 portfolio dossiers → Open monthly charts & tables → Jump to Stage-1 Legal, CPA & Route Agendas ↓

3 OWNER DECISIONS TO LOCK IN THE BASELINE

Three strategic choices to confirm before Stage-1 execution

1. Confirm Staged <=$660,000 Self-Funded Capital Rule: Launch Phase 1 (2026-11 to 2027-06) with 3 luxury vehicles + 2 Glean routes + the 4-room creator studio (capping peak need at $656,135.46 in 2027-06, +$3,864.54 buffer below $660k), and release the remaining $220,000 expansion CapEx in May–Sep 2028 (2028-05 $40k Route #3, 2028-07 $60k Vehicle #4, 2028-09 $120k Vehicles #5–#6) strictly from positive operating cash flow.
2. Confirm Post-Trough July 2027 Launch for #5 Vesper Motor Collection: Launch Vesper in July 2027 (2027-07) right after the June 2027 cash trough at 4 luxury collector vehicles/year (1/quarter: 2 in H2 2027, 4 in 2028, 4 in 2029 = 10 vehicles over 38m; 0% consignment)—delivering $667,884 in 2029 revenue, +$30,797 in 2029 post-owner profit, and +$46,003 in 38-month net cash while peaking at only $6,311 in August 2027.
3. Confirm Preferred Year-3 (2029-12) Exit Track for Contract Drafting: Draft Day-1 customer, route, and intercompany agreements with clean change-of-control & assignability clauses tailored to Exit Option 2 ($14.55M — 3 Industry Platform Bundles) and Exit Option 3 ($15.50M — Single Multi-Brand Portfolio Sale).

STEP 6 · STAGE-1 PRE-LAUNCH LEGAL, CPA, ROUTE DILIGENCE & 30–60 DAY PILOT CHECKLIST PACKET (NOV 2026 – MAR 2027)

Ready-to-use meeting agendas & verification checklists for your CPA, ERISA counsel, route seller, insurance broker, and channel pilots

Use these four checklists directly in your pre-launch meetings to verify tax/ROBS compliance, inspect commercial janitorial route financials, bind fleet/partner insurance, and run capped 30-to-60-day validation pilots before scaling spend.

Open Interactive First-90-Days Gantt →

AGENDA 1 · CPA & ERISA ROLLOVER COUNSEL (TK-01..TK-04)

Corporate Tax, $660k ROBS Pool & Fla. Stat. 212.05 Lease Setup

1. C-Corp & $660,000 Capital Pool Sign-Off: Confirm Prism Holdings C-Corp parent + operating LLC subsidiary structure for the $660,000 capital pool ($330,000 ROBS 401k rollover + $330,000 owner cash/loan) and quarterly estimated tax schedule.
2. ERISA ROBS & Owner W-2 Compensation Rules: Execute IRS/DOL-compliant 401(k) plan adoption, independent stock valuation, and $177,411/yr 2029 CEO compensation rules ($120k W-2 salary + $30k 401k match + $18k health + $9,411 payroll tax booked once legally at Holding).
3. Florida Statute 212.05 Intercompany Fleet Lease Certificate (Form DR-13): Register Foundry Fleet & Commercial (under Prism Mobility, LLC) for a Florida Annual Resale Certificate (Form DR-13) and have the CPA confirm the binding lease-stream sales-tax election under Fla. Stat. § 212.05(1)(c) so luxury vehicles purchased exclusively for lease to Obsidian Black avoid upfront purchase sales tax and double taxation.
4. Year-3 M&A Assignability Clauses: Standardize customer and intercompany contracts with automatic change-of-control assignability so the businesses can be sold either as 3 Industry Bundles ($14.55M) or a Single Portfolio ($15.50M) at 2029-12.

AGENDA 2 · GLEAN COMMERCIAL ROUTE SELLER DILIGENCE (TK-05..TK-08)

Tax Return Verification, Churn Audit & 90-Day Clawback

1. 24-Month Tax Return & Bank Deposit Reconciliation: Reconcile seller Schedule C / Form 1120S tax returns and bank statements against the billed commercial account roster ($550/mo average recurring billing per office/medical/HOA account).
2. Contract Assignability & <1.5%/mo Churn Audit: Inspect account start dates, written cancellation notice terms, after-hours keycard/alarm transfer rules, and verify historical monthly account churn is <1.5%/mo.
3. Seller Note & 90-Day Retention Guarantee: Structure purchase terms at 30% down + 48-month seller note at 7.5% with a binding 90-day client retention clawback / account replacement warranty.
4. Staged Route #3 Expansion Gate (2028-05): Hold the $40,000 Route #3 down payment until May 2028 when monthly portfolio operating cash reaches +$97,367/mo (preserving the $656,135 peak need cap).

AGENDA 3 · COMMERCIAL FLEET, LIVERY INSURANCE & PARTNER BINDING (TK-13..TK-16)

Phase-1 3-Car Launch Fleet, Permits & Simply Tech Subcontractors

1. Phase-1 Commercial Livery Insurance Binding: Obtain binding commercial for-hire livery policies ($1M–$2M CSL + private aviation FBO tarmac endorsement) for the initial 3 luxury vehicles (2 GMC Yukon Denalis + 1 Mercedes S500/BMW 530xi).
2. Self-Funded Vehicles #4–#6 Release Gate (2028-07 & 2028-09): Gate Vehicle #4 ($60,000 in 2028-07) and Vehicles #5–#6 ($120,000 in 2028-09) on sustained chauffeur utilization and positive 2028 operating cash flow.
3. Tri-County Livery Permits & Chauffeur 4x10 Agreements: File Palm Beach, Broward, and Miami-Dade VH/limousine permits, FLL/MIA/PBI airport AVI transponders, and W-2 chauffeur 4x10 peak-window shift agreements (55% fare-share/burden with $18/hr floor).
4. Simply Tech Licensed Integrator Agreements: Execute partner contracts verifying Florida low-voltage (EF/ES) licenses, $1M COI naming Prism as additional insured, and 25% Prism commission ($605 net/job) on $2,600 Wi-Fi/PoE installs.

AGENDA 4 · 30-TO-60-DAY PAID CHANNEL & CREATOR PILOTS (TK-19..TK-27)

Capped Validation Pilots Before Scaling Monthly Marketing Spend

1. Lucent Digital $495 AI Audit Pilot ($1,500 Cap): Run a 45-day outbound & local search test of the $495 Credited AI & Call-Capture Audit wedge—verifying cost-per-audit and ≥25% conversion into $1,500/mo retainers or $297/mo AI Receptionist SaaS.
2. Obsidian Black Search & FBO Concierge Pilot ($2,000 Cap): Test Google Local Search + private jet FBO/five-star hotel concierge outreach + 14% affiliate overflow trips against the 3-car Phase-1 fleet before expanding ad spend.
3. Glean & $399/yr Home Club Pilot ($1,500 Cap): Validate Google Local Services Ads (LSA) + 5-Around neighborhood door-hangers and point-of-sale conversion into the $399/yr Prism Home Club ($265/yr net contribution toward shared CSR dispatch).
4. Novelle Veil Creator LOI Gate ($0 Upfront Studio Burn): Use the live Sienna & Mara Sample Creator Site to sign ≥2–3 creator letters of intent (50/50 split or $2,500/mo + 25%) before releasing 4-room studio ($8,500/mo Jan 2027) equipment spend.

Background Reference: What are the 2 Strategic Questions & 7 Operating Improvements? (Tap to expand) ▾

2 CORE ROLLOUT QUESTIONS

Q1 · Staged fleet: Follow the current workbook monthly schedule and the 2028 operating-cash release tests before expanding the fleet.
Q2 · Commercial routes: Verify seller evidence and follow the selected staged-plan acquisition schedule before committing capital.

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 3 · HOW THE 10 PORTFOLIO LINES FIT UNDER THEIR ACTUAL LEGAL LLCs (ZERO OVERLAP)

Explore the 3 Legal LLC Groups, open all 8 live customer websites, or jump to their 6-part dossiers

Grouped directly under their actual legal operating LLCs—so #1–#4 sit under Prism Home Services LLC, #5, #6, #7 & #10 (Non-Additive Parent Roll-Up) sit under Prism Mobility, LLC with zero double-counting, and #8 & #9 operate as standalone Digital & Creator LLCs.

Explore All 10 Portfolio Dossiers (by LLC) →

Group A · Prism Home Services LLCLines #1, #2, #3 & #4 (Parent Platform)

1 · Glean Home ServicesCommercial Janitorial, Lawn/Pool & Exterior Care ↗

2 · Simply Tech$2,600 Prosumer Wi-Fi, 4K PoE & Smart Home ↗

3 · Pitstop Mobile AutoMobile Mechanical Fleet Care & B2B Lot PM ($650/mo) ↗

4 · Prism Home Services (Parent LLC Platform)$29/mo Home Club ($348/yr), $295/mo Homewatch & Shared CSR

Group B · Prism Mobility, LLCLines #5, #6, #7 & #10 (#6 + #7 = #10 Non-Additive)

5 · Vesper Motor CollectionPost-Trough Jul 2027 Collector Vehicle Acquisition (4/yr · $667.9k Rev · +$30.8k Profit · 0% Consignment) ↗

6 · Foundry Fleet & CommercialFleet Asset Owner, Leases & $2,800/mo B2B Shuttles ↗

7 · Obsidian BlackExecutive Chauffeur, Airport/FBO Transfers & Charters ↗

10 · Prism Motors & Fleet (Parent LLC Roll-Up)Non-Additive Sum of #6 Foundry + #7 Obsidian (Zero Double-Count)

Group C · Digital & Creator LLCsStandalone LLCs #8 Lucent & #9 Novelle Veil

8 · Lucent Digital LLC$495 Credited AI Audit, $297/mo AI SaaS & Retainers ↗

9 · Novelle Veil LLCBoutique Creator Agency & 4-Room Studio ($8,500/mo Jan 2027 · 50/50) ↗

↳ Sample Creator Site (Sienna & Mara)Live demo of Novelle Veil creator fan site template ↗

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 10 portfolio lines under 3 Legal LLCs

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.

Open Interactive Setup Gantt & Work Hub →

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, 4-room creator studio lease (Jan 2027), and commercial route diligence.

Stage 2 · Apr – Dec 2027 Wave 1 Core Launch & 60-Day Pilots

Glean residential/exterior & commercial route onboarding, Novelle studio ramp (flips cash-positive May 2027), Obsidian 4x10 shift launch, Lucent $495 AI Audit & $297/mo SaaS pilots.

Stage 3 · Jan – Dec 2028 B2B Expansion & Cash-Flow Reinvestment

Fund $220k expansion CapEx from May–Sep 2028 operating cash flow ($40k Route #3, $60k Vehicle #4, $120k Vehicles #5–#6), and scale B2B shuttles & lot PMs.

Stage 4 · Jan – Dec 2029 Full Scale & Debt-Free Exit Readiness

Reach $11.52M revenue, +$2.36M post-owner profit, $2.13M ending cash pool, $0 vehicle debt, and full 10-line profitability including 4 collector vehicles/yr in #5 Vesper Motor Collection.

Snapshot figures load from the bound finance display file.

CHAPTER 2 · THE 3 LEGAL LLC OPERATING ENGINES & 4 CALENDAR STAGES

Build in stages, prove demand, and share one back office across 10 portfolio lines under 3 Legal LLCs.

Prism Holdings organizes the portfolio into 3 Legal LLC Operating Engines (which define who operates what with zero overlap) sequenced across Calendar Stages 1–4 (which define when each launch and expansion gate happens from Nov 2026 through Dec 2029)—so high-margin digital subscriptions and recurring commercial contracts fund shared CSR dispatch and fleet overhead early.

Stage 1 · Nov 2026 – Mar 2027Legal, $660k ROBS Pool & Core Launch

Form 3 LLCs, bind Form DR-13 lease certificate, launch 3 luxury vehicles + 2 Glean routes + 4-room creator studio ($8,500/mo Jan 2027) + shared CSR desk ($51,840 base).

Stage 2 · Apr – Dec 202760-Day Pilots & Early Break-Even

Simply Tech BE 2027-04, Novelle BE 2027-05, Glean & Vesper BE 2027-09, Obsidian & Lucent BE 2027-11, Pitstop & Motors BE 2027-12; staged cash trough $656,135 in 2027-06.

Stage 3 · Jan – Dec 2028$220k Self-Funded Cash-Flow Expansion

Home Services BE 2028-01, Foundry BE 2028-03; fund $40k Route #3 (2028-05), $60k Vehicle #4 (2028-07), and $120k Vehicles #5–#6 (2028-09) from operating surplus.

Stage 4 · Jan – Dec 2029Full 10-Line Scale & Debt-Free Exit

Reach $11.52M revenue, +$2.36M post-owner profit, $2.13M ending cash pool, $0 vehicle debt, and $10.05M–$17.89M Year-3 exit readiness.

2029 POST-OWNER PROFIT & BREAK-EVEN TIMING BY LEGAL LLC ENGINE

Engine 3 · Prism Digital LLC (#8–#9)+$1,317,478 (55.8%) · BE: Novelle 2027-05 / Lucent 2027-11

Engine 1 · Prism Home Services LLC (#1–#4)+$742,097 (31.4%) · BE: Simply Tech 2027-04 / Glean 2027-09 / Pitstop 2027-12 / Home 2028-01

Engine 2 · Prism Mobility, LLC (#5, #6, #7, #10)+$300,194 (12.7%) · BE: Vesper 2027-09 / Obsidian 2027-11 / Motors 2027-12 / Foundry 2028-03

Operating Engine 1 — Prism Home Services LLC

#1 Glean · #2 Simply Tech · #3 Pitstop · #4 Prism Home Services — Parent Platform & Home Club
Calendar Mapping: Stage 1–2 Core Launch (Nov 2026 – Dec 2027) → Stage 3 Self-Funded Route #3 & B2B Lot Expansion (May–Dec 2028) → Stage 4 Full Scale ($3.62M 2029 Rev / +$742.1k Profit).

1. #1 Glean Cleaning, Lawn & Pool: Builds residential, lawn (3 rigs), pool (2 rigs), exterior restoration, and commercial janitorial routes with staged May 2028 Route #3 expansion ($2,913,952 2029 revenue / +$501,785 post-owner profit).
2. #2 Simply Tech & #3 Pitstop Mobile Auto: Simply Tech delivers $2,600 whole-home Wi-Fi & wired 4K PoE camera installs ($139,832 2029 rev / +$77,655 post-owner profit); Pitstop handles internal Prism fleet mechanics in 2027 and adds $650/mo B2B commercial lot PM contracts in 2028–2029 ($321,284 2029 rev / +$36,066 post-owner profit).
3. #4 Prism Home Services (Parent Platform): Runs the shared CSR booking/dispatch desk and sells recurring Home Club memberships ($29/mo = $348/yr), $295/mo Homewatch, and $1,200 Hurricane Readiness packages ($245,500 2029 rev / +$126,590 post-owner profit).

Full Details: Launch Stage, Break-Even & Peak Funding (#1–#4) ▾

#1 Glean: Launch Stage 1 (Core Launch Nov 2026) · EBITDA BE 2027-09 · Cash BE 2027-07 · Peak Funding $210,928 (2027-06)
#2 Simply Tech: Launch Stage 1–2 (Core Launch) · EBITDA BE 2027-04 · Cash BE 2027-05 · Peak Funding $9,081 (2027-04)
#3 Pitstop: Launch Stage 1 (fleet PM) → Stage 3 B2B lots · EBITDA BE 2027-12 · Cash BE 2027-12 · Peak Funding $11,444 (2028-01)
#4 Prism Home Services: Launch Stage 1 (Shared CSR Desk) · EBITDA BE 2028-01 · Cash BE 2028-01 · Peak Funding $24,901 (2027-12)

Operating Engine 2 — Prism Mobility, LLC

#5 Vesper Motor Collection · #6 Foundry Fleet · #7 Obsidian Black · #10 Prism Motors & Fleet Subtotal
Calendar Mapping: Stage 1–2 3-Car Launch, 4x10 Shifts & Jul 2027 Vesper Launch (Nov 2026 – Dec 2027) → Stage 3 Cash-Flow-Funded Vehicles #4–#6 (Jul–Sep 2028) → Stage 4 Full Scale ($3.98M 2029 Rev / +$300.2k Profit).

1. #6 Foundry Fleet & #7 Obsidian Black: Foundry owns the luxury fleet (3 vehicles at launch → 6 vehicles in 2028) and leases them internally to Obsidian under Fla. Stat. § 212.05 (Form DR-13) while running $2,800/mo B2B shuttles; Obsidian operates W-2 chauffeurs on 4x10 peak-window shifts (-35% unbooked floor hours).
2. #10 Prism Motors & Fleet Subtotal: Represents the non-additive combined mobility subtotal of #6 Foundry + #7 Obsidian ($3,310,870 2029 rev / +$269,397 post-owner profit)—never counted twice in portfolio totals.
3. #5 Vesper Motor Collection — Post-Trough July 2027 Collector Vehicle Acquisition (4/Yr): Launches in July 2027 right after the June 2027 cash trough at 4 collector vehicles/year (1/quarter: 2 in H2 2027, 4 in 2028, 4 in 2029 = 10 over 38m; $166,971/unit; 0% consignment), generating $667,884 in 2029 revenue and +$30,797 in post-owner profit.

Full Details: Launch Stage, Break-Even & Peak Funding (#5, #6, #7, #10) ▾

#5 Vesper: Launch Stage 2 Post-Trough (2027-07 · 4 collector vehicles/yr) · EBITDA BE 2027-09 · Cash BE 2027-12 · Peak Funding $6,311 (2027-08)
#6 Foundry: Launch Stage 1 (3-Car Core) · EBITDA BE 2028-03 · Cash BE 2027-01 · Peak Funding $378,912 (2026-12)
#7 Obsidian: Launch Stage 1 (4x10 Shifts) · EBITDA BE 2027-11 · Cash BE 2027-12 · Peak Funding $211,615 (2027-11)
#10 Motors & Fleet (non-additive): Combined Stage 1–2 · EBITDA BE 2027-12 · Cash BE 2027-08 · Peak Funding $581,886 (2028-02)

Operating Engine 3 — Prism Digital LLC

#8 Lucent Digital · #9 Novelle Veil
Calendar Mapping: Stage 1–2 Audit & 4-Room Studio Launch (Nov 2026 – Dec 2027) → Stage 3 Retainer & Studio Scale (2028) → Stage 4 #1 Profit Engine ($4.14M 2029 Rev / +$1.32M Profit).

1. #8 Lucent Digital Funnel: Launches in Stage 1 with the $495 Credited AI & Call-Capture Audit wedge (converting into $1,500/mo retainers) and sticky $297/mo AI Receptionist SaaS, scaling to $2.89M 2029 revenue and +$660.0k post-owner profit.
2. #9 Novelle Veil Creator Agency & 4-Room Studio ($8,500/mo Jan 2027): Leases a 5-bedroom house (4 creator rooms + 1 control room at $8,500/mo base rent + $1,100/mo utilities = $9,600/mo) starting Jan 2027 on a Balanced Ramp (1 → 2 → 3 → 4 rooms), flipping cash-flow positive in May 2027 and scaling to $1.26M 2029 revenue and +$657.5k post-owner profit.
3. Portfolio Digital Backbone: Lucent hosts and optimizes all 8 customer brand websites, the sample creator fan site, and 24/7 missed-call text-back automation across all 3 Legal LLCs.

Full Details: Launch Stage, Break-Even & Peak Funding (#8–#9) ▾

#8 Lucent: Launch Stage 1 (AI Audit wedge) · EBITDA BE 2027-11 · Cash BE 2028-01 · Peak Funding $89,318 (2027-12)
#9 Novelle: Launch Stage 1 (4-Room Studio Jan 2027 Balanced Ramp) · EBITDA BE 2027-05 · Monthly Cash BE 2027-05 (Cum Cash BE 2028-01) · Peak Funding $58,976 (2027-04)

3-LEGAL-LLC OPERATING FLYWHEEL · ZERO DOUBLE-COUNTING

How the 3 Legal LLCs Share Customers & Cash Flow

Visual Flow: #8 Lucent 24/7 AI Call Capture & Funnels → #1 Glean / #2 Simply Tech / #3 Pitstop Household Visits → #4 Prism Home Club ($29/mo) Shared CSR Desk → #6 Foundry 6-Vehicle Lessor (Form DR-13) → #7 Obsidian 4x10 Executive Chauffeurs (= #10 Motors & Fleet Subtotal).

1. Home Club (#4) Feeds #1 Glean, #2 Simply Tech & #3 Pitstop

Every Glean cleaning, Simply Tech Wi-Fi/PoE install, or Pitstop driveway service cross-sells the #4 Prism Home Club ($29/mo = $348/yr) and $295/mo Homewatch—generating recurring membership margin that funds the shared CSR booking and dispatch desk.

2. Lucent Digital (#8) Powers Lead Generation & 24/7 AI Call Capture

#8 Lucent Digital runs high-converting local search funnels and 24/7 AI Receptionist & missed-call text-back across all Prism brands while selling the same $495 AI Audit and $297/mo SaaS externally, and builds custom fan sites for #9 Novelle Veil creators.

3. Foundry (#6) Owns the Fleet Operated by Obsidian (#7) & Serviced by Pitstop (#3)

#6 Foundry Fleet holds title to up to 6 luxury SUVs/sedans and leases them internally to #7 Obsidian Black under Fla. Stat. § 212.05 (Form DR-13), while #3 Pitstop performs in-house preventive maintenance. Internal intercompany leases and dispatch allocations are eliminated in consolidation so they are never counted as external portfolio revenue.

HOW THE RECOMMENDED PLAN WORKS ACROSS ALL 10 LINES

Key pillars of the Recommended Full 10-Brand Plan (<=$660k Self-Funded)

The Recommended Plan uses bound workbook unit economics, explicit owner compensation booked once at Prism Holdings LLC ($177,411/yr in 2029 = $120,000 W-2 salary + $30,000 401k + $18,000 health + $9,411 payroll tax), and exact C-Corp tax formulas:

Consolidated Financial Trajectory: $3,508,368 in 2027 revenue (-$177,460 operating profit during ramp; -$194,093 staged cash) → $8,369,108 in 2028 revenue (+$1,269,806 profit; +$596,408 staged cash after -$220k self-funded expansion) → $11,516,563 in 2029 revenue (+$2,359,769 operating profit after CEO pay; +$3,359,832 38m profit; +$1,468,863 38m net cash).
Staged <=$660,000 Self-Funded Capital Schedule: Launches Phase 1 (Nov 2026 – Jun 2027) with 3 luxury vehicles, 2 Glean routes, and the 4-room creator studio—capping Peak Cash Need at $656,135 in June 2027 (+$3,865 cushion below the $660,000 pool, or +$7,763 with split studio fit-out)—activates #5 Vesper Motor Collection post-trough in July 2027 (4 collector vehicles/yr), and funds $220,000 of expansion equipment ($40k Glean Route #3 in May 2028 + $60k Foundry Vehicle #4 in Jul 2028 + $120k Foundry Vehicles #5–#6 in Sep 2028) from 2028 operating cash flow.
4-Room Creator Studio ($8,500/mo Base Rent Starting Jan 2027): Leases a 5-bedroom house (4 creator residency rooms + 1 production/control room at $8,500/mo rent + $1,100/mo utilities = $9,600/mo) on a Balanced Ramp (1 → 2 → 3 → 4 rooms across 2027), flipping cash-flow positive in May 2027 and generating $1,256,514 in 2029 revenue and +$657,457 in post-owner profit.
Year-3 (2029-12) Debt-Free Cash & Hypothetical Exit Range ($10.05M–$17.89M Non-Cash Pre-Transaction Valuation): Finishes Month 38 with a $2,128,863 ending cash pool; paying off the remaining $167,890.32 Glean route seller note ($0 vehicle debt) leaves $1,300,972.59 net debt-free surplus cash generated ($1,468,862.91 38m cash minus $167,890.32 route note) and $1,960,972.59 total debt-free bank cash including the returned $660,000 initial pool, plus $509k–$553k in physical fleet/rig hard assets.

OWNER REVIEW & PLANNING GUARDRAILS

Key limits to keep in view for the Recommended Plan

Peak funding ($656,135 in June 2027) and monthly cash flow load from the bound forecast snapshot.
Operating profit is negative during the 2026 stub and 2027 ramp before flipping strongly positive in 2028–2029.
Tax treatment, route economics, studio zoning/HOA rules, and growth inputs require CPA, legal, and pilot verification before launch commitments.

Open master business plan draft Open Home Services plan companion Browse all source documents

THE 10 PORTFOLIO LINES · GROUPED ABOVE THEIR ACTUAL LEGAL LLCs (ZERO OVERLAP)

Consistent, well-organized profiles for all 10 portfolio lines grouped under their 3 Legal LLC structures.

All 10 portfolio lines are grouped directly under their actual legal LLC entities—so you can see at a glance how #1–#4 operate under Prism Home Services LLC, how #5 Vesper, #6 Foundry, #7 Obsidian, and #10 Prism Motors & Fleet (Non-Additive Parent LLC Roll-Up) fit together with zero overlap or double-counting, and how #8 Lucent Digital LLC and #9 Novelle Veil LLC operate as standalone Digital & Creator LLCs.

PART 1 · STANDARDIZED 10-LINE PORTFOLIO DOSSIERS GROUPED BY LEGAL LLC (SECTIONS 1 TO 6 IN ORDER)

Compare every business and parent LLC roll-up with the exact same six-part structure

Each card leads with an at-a-glance summary, pricing anchors, and live financial outlook, with a collapsible View Unit Economics, Risks & 90-Day Playbook drawer for marketing, staffing, and governance details.

LEGAL ENTITY GROUP A · PRISM HOME SERVICES LLC (LINES #1 – #4)

Prism Home Services LLC — 3 Trade Operating DBAs (#1 Glean, #2 Simply Tech, #3 Pitstop) + #4 Parent Platform

One Florida operating LLC housing three specialized trade DBAs plus the central Home Club & shared CSR dispatch platform. Zero scope overlap: #1 Glean handles cleaning, lawn, pool & exterior wash; #2 Simply Tech handles low-voltage Wi-Fi, 4K PoE cameras & AV; #3 Pitstop handles mobile mechanical auto repair only (zero detailing bleed); and #4 Prism Home Services runs the shared dispatch desk, $29/mo Home Club ($348/yr), $295/mo Homewatch & $1,200 Hurricane Readiness.

2029 Combined Group A: $3,620,569 Rev · +$742,097 Post-Owner Profit

Prism Home Services LLC · DBA #1

1 · Glean Home Services

Recurring residential & commercial cleaning, lawn & pool care, exterior property restoration, and B2B routes

Wave 1 · Core Launch ($2.91M 2029 Rev)

2029 Rev: $2,913,952 ($4.59M Gross Units)2029 Post-Owner Profit: +$501,785Break-Even & Peak: EBITDA 2027-09 · Cash 2027-07 · Peak $210,928 (2027-06)Year-3 Exit Val: $2.01M–$3.01M (4.0x–6.0x)

1. What It Does & Who It Serves

Delivers recurring residential maid service, commercial lawn (3 rigs) & pool care (2 rigs), exterior property care (pressure washing, window cleaning, paver sealing), and acquired B2B commercial janitorial routes serving South Florida medical, legal, and professional offices ($2,913,952 2029 revenue; +$527,011 pre-owner profit · $25,226/yr non-posting owner-pay share → +$501,785 post-owner EBITDA in the staged plan).

2. Customer Offers & Reference Pricing

Whole-Project Remodel & Installer Programs: 54.3 projects @ $18,912 ($1,026,812) + 60 installer payouts @ $2,500 ($150,000) = $1,176,812 (40.4% of 2029 rev).
Recurring Residential & Acquired Commercial Routes: 3,291 visits @ $167 ($549,627) + B05 & external commercial routes ($127,069 + $46,893) = $723,589 (24.8%).
Commercial Lawn (3 Rigs) & Pool Routes (2 Rigs): 2,649 lawn visits @ $195 ($516,516) + 1,228 pool acct-mos @ $150 ($184,187) = $700,703 (24.0%).
Mobile Car Care, Handyman & Fleet Wash: 1,213 retail car care @ $135 ($163,760) + 960 fleet washes @ $45 ($43,200) + 1,560 handyman hrs @ $65 ($101,400) + $6,705 Obsidian wash less -$2,217 bundle discount = $312,848 (10.7%).

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: $3,000/mo launch → $6,000/mo steady media envelope — 40% Google Local Services Ads (LSA), 20% Thumbtack, 15% Nextdoor/Meta, 10% Referral, 5% Angi, 10% Reserve — plus 5-Around neighborhood door-hangers around every completed home.
Lead-to-Quote-to-Book Conversion Funnel & Blended CAC: LSA/Nextdoor lead → same-day phone/SMS quote → booked recurring route; commercial route replacement CAC ~$650 per retained building against a 1.5%/mo commercial churn planning band.
Monthly Churn / Annual Retention & Cross-Sell Attach Benchmark: Target <1.5%/mo commercial route churn (~83%+ annual retention) with Home Club (#4) priority scheduling attach and Simply Tech / Pitstop driveway cross-sell on every completed exterior visit.

4. Team, Fleet & Operations (People & Active Capacity)

W-2 vs. 1099 Staffing & Shared CSR Dispatch Model: W-2 residential/exterior two-person cleaning teams + lawn/pool crews + evening commercial route cleaners; all booked through the shared #4 Home Services CSR dispatch desk (Lucent 24/7 AI Receptionist overflow).
Vehicles, Rigs, Tools & Peak Funding CapEx: 3 commercial lawn rigs + 2 pool routes + cleaning vans/tools staged under Wave 1; Peak Funding CapEx $210,928 in 2027-06.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Wave 1 Core Launch; owner oversight 10 hrs/wk (2027) → 6 hrs/wk (2029) ($25,226/yr non-posting owner-pay share in 2029); EBITDA break-even 2027-09 · Cash break-even 2027-07.

5. Financial Outlook (Recommended Plan Trajectory)

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. Year-3 standalone exit valuation: $2.01M–$3.01M (4.0x–6.0x post-owner; $2.51M base + $135k–$150k rigs FMV).

Open Live Glean Website ↗ Glean Marketing & Brand Guide → Home Services Companion Plan →

Prism Home Services LLC · DBA #2

2 · Simply Tech

Prosumer mesh Wi-Fi, wired 4K Power-over-Ethernet (PoE) security cameras, and smart-home packages

Wave 1 · Smart-Home & PoE ($139.8k 2029 Rev)

2029 Rev: $139,832 ($241.9k Gross Units)2029 Post-Owner Profit: +$77,655Break-Even & Peak: EBITDA 2027-04 · Cash 2027-05 · Peak $9,081 (2027-04)Year-3 Exit Val: $272k–$427k (3.5x–5.5x)

1. What It Does & Who It Serves

Designs and installs turnkey residential and small-office networking, UniFi prosumer mesh Wi-Fi, wired 4K Power-over-Ethernet (PoE) security camera systems, and smart locks/thermostats—operating as a dedicated low-voltage/AV division in the Recommended Plan ($139,832 2029 revenue; +$87,627 pre-owner profit · $9,972/yr non-posting owner-pay share → +$77,655 post-owner EBITDA).

2. Customer Offers & Reference Pricing

Partner-Referred Wi-Fi/PoE & Smart-Home Projects: 60 partner installs @ $650 ($39,000) + 13.9 larger smart-home projects @ $2,112 ($29,321) = $68,321 (48.9% of 2029 rev).
Smart Living Recurring Support Memberships: 1,951 member-mos @ $16.58/mo = $32,343 (23.1%).
On-Site Wi-Fi Visits, Smart Devices & TV Mounts: 69.4 Wi-Fi visits @ $175 ($12,148) + 57.8 device installs @ $150 ($8,677) + 57.8 TV mounts @ $135 ($7,809) = $28,634 (20.5%).
Remote Tech Support Sessions: 195.1 remote sessions @ $60 ($11,704) less -$1,170 contra = $10,534 (7.5%).

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: ~$30/lead partner-referral payout + ~19%/yr Glean active-account cross-sell + Home Depot/installer co-marketing; near-zero standalone paid-media burn (demand rides Glean move-in, exterior, and #4 Home Club onboarding).
Lead-to-Quote-to-Book Conversion Funnel & Blended CAC: Glean/Home Club warm lead → site survey & hardware quote → booked install; blended CAC anchored at ~$30 partner lead + internal CSR handoff.
Monthly Churn / Annual Retention & Cross-Sell Attach Benchmark: Smart Living membership retention target ≥90% annual (~<0.9%/mo churn) with PoE camera / mesh Wi-Fi attach on every Glean commercial office clean and Lucent digital-audit referral.

4. Team, Fleet & Operations (People & Active Capacity)

W-2 vs. 1099 Staffing & Shared CSR Dispatch Model: Vetted Florida low-voltage (EF/ES) 1099/partner integration specialists under SLA; coordinated through the shared #4 Home Services CSR desk (certificates of insurance naming Prism required before payout).
Vehicles, Rigs, Tools & Peak Funding CapEx: Partner-owned vans/tools with Prism-issued structured-wiring kits & PoE test gear; Peak Funding CapEx $9,081 in 2027-04.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Wave 1 Smart-Home & PoE; owner oversight 2 hrs/wk (2027 → 2029) ($9,972/yr non-posting owner-pay share in 2029); EBITDA break-even 2027-04 · Cash break-even 2027-05.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: Requires executed partner/qualifier agreements verifying Florida low-voltage (EF/ES) licensing, certificates of insurance naming Prism, and customer sign-off before payout release. Year-3 standalone exit valuation: $272k–$427k (3.5x–5.5x post-owner; $349k base).

Open Live Simply Tech Website ↗ Simply Tech Marketing Plan →

Prism Home Services LLC · DBA #3

3 · Pitstop Mobile Auto

Dedicated internal Prism fleet mechanical maintenance in 2027 + B2B commercial lot preventive maintenance in 2028–2029

Wave 1 · Internal Fleet → B2B ($321.3k 2029 Rev)

2029 Rev: $321,284 ($249.2k External)2029 Post-Owner Profit: +$36,066Break-Even & Peak: EBITDA 2027-12 · Cash 2027-12 · Peak $11,444 (2028-01)Year-3 Exit Val: $108k–$162k (3.0x–4.5x)

1. What It Does & Who It Serves

Provides mobile mechanical preventive maintenance, synthetic oil/fluid service, brakes, tires, batteries, and OBDI/II diagnostics (zero auto-detailing overlap with Glean). Pitstop prioritizes maintaining Prism’s own luxury SUVs, sedans, and service vans, and expands into scheduled after-hours B2B commercial lot fleet maintenance in 2028–2029 ($321,284 2029 revenue; +$43,867 pre-owner profit · $7,801/yr non-posting owner-pay share → +$36,066 post-owner EBITDA in the staged plan).

2. Customer Offers & Reference Pricing

Mobile Tires, Brakes, Rotors & Flat Repair: 90.4 4-tire sets @ $900 ($81,347) + 90.4 pads/rotors @ $375 ($33,895) + 45.2 brake pads @ $250 ($11,298) + 135.6 rotations @ $101 ($13,693) + 135.6 flat repairs @ $107.50 ($14,575) = $154,808 (48.2% of 2029 rev).
Mobile Battery, Synthetic Oil & Diagnostics: 180.8 batteries @ $376.19 ($68,004) + 180.8 oil services @ $120 ($21,693) + 45.2 diagnostics @ $99.99 ($4,519) = $94,216 (29.3%).
External B2B Commercial Fleet Lot PM Contracts: 95.0 fleet-mos @ $650/mo ($61,776) less -$3,089 contra = $58,687 (18.3%).
Internal Prism Fleet Mechanical SLA: Foundry 6 luxury vehicles ($12,449) + Glean route rigs ($1,125) = $13,574 (4.2%).

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: $0 retail ad burn in 2027 (internal fleet first) → direct B2B lot outreach to HVAC/plumbing/pest/medical courier fleets + #4 Home Club driveway upsell; external media stays near-zero through 2028 lot ramp.
Lead-to-Quote-to-Book Conversion Funnel & Blended CAC: Warm B2B outreach / Home Club driveway prompt → multi-vehicle lot quote → signed $650/mo retainer (~8–10 vans/trucks per stop); blended CAC near $0 paid media with CSR-assisted quote close ($325/mo net contribution per retainer).
Monthly Churn / Annual Retention & Cross-Sell Attach Benchmark: B2B lot retainer retention target ≥90% annual with synthetic-oil / brake attach on every Home Club driveway visit and zero auto-detailing overlap with Glean wash streams.

4. Team, Fleet & Operations (People & Active Capacity)

W-2 vs. 1099 Staffing & Shared CSR Dispatch Model: ASE-certified mobile mechanic capacity (W-2 or dedicated contractor under SLA) in an outfitted service van; coordinated via the shared #4 Home Services CSR desk.
Vehicles, Rigs, Tools & Peak Funding CapEx: One outfitted mobile service van with lifts, fluid carts, tire/brake tooling & spill-containment kits; Peak Funding CapEx $11,444 in 2028-01.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Wave 1 Internal Fleet → B2B; owner oversight 3 hrs/wk (2027) → 5 hrs/wk (2029) ($7,801/yr non-posting owner-pay share in 2029); EBITDA break-even 2027-12 · Cash break-even 2027-12.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: B2B commercial lot retainers require signed multi-vehicle lot access agreements, environmental spill-containment kits, and clear parts/labor inclusion schedules before 2028 expansion. Year-3 standalone exit valuation: $108k–$162k (3.0x–4.5x post-owner; $135k base).

Open Live Pitstop Website ↗ Pitstop Go-to-Market Plan →

Prism Home Services LLC · #4 Parent Platform

4 · Prism Home Services

Parent LLC platform operating the shared CSR dispatch desk, $29/mo ($348/yr) Home Club, $295/mo Homewatch & $1,200 Hurricane Readiness

Wave 1 · Parent LLC Platform ($245.5k 2029 Rev)

2029 Rev: $245,500 ($156.8k Direct)2029 Post-Owner Profit: +$126,590 ($18,370/yr base)Break-Even & Peak: EBITDA 2028-01 · Cash 2028-01 · Peak $24,901 (2027-12)Year-3 Exit Val: $506k–$760k (3.5x–5.5x)

1. What It Does & Who It Serves

Serves as the parent legal entity (Prism Home Services LLC) and unified customer umbrella for Group A—operating the shared Customer Service Representative (CSR) booking and dispatch desk across #1 Glean, #2 Simply Tech, and #3 Pitstop, while directly selling recurring Home Club memberships, absentee-owner Homewatch retainers, and seasonal Hurricane Readiness packages ($245,500 2029 revenue; +$144,960 pre-owner profit · $18,370/yr non-posting owner-pay share → +$126,590 post-owner EBITDA; +$155,722 38m EBITDA / +$132,973 38m cash in the staged plan).

2. Customer Offers & Reference Pricing

Absentee Homewatch Subscriptions: 420 subscriber-mos (35 avg / 70 peak retainers) @ $295/mo = $123,900 (50.5% of 2029 rev).
Prism Home Club Memberships: 3,770 member-mos @ $33.25/mo ($125,357 gross less -$3,757 contra) = $121,600 (49.5%); reference list price $29/mo = $348/yr scaling to 250 active household members.
Seasonal Hurricane Readiness & Storm-Prep Packages: Reference $1,200/pkg upsell bundled via Homewatch & Home Club households (≈30 packages modeled in 2029 seasonal mix).
Shared CSR Dispatch Pool Offset: Funds the $51,840 Day-1 (2027) → $73,655 (2029) centralized booking & dispatch desk across #1–#4 (intercompany allocation + membership contribution).

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: Point-of-sale CSR booking prompt on every Glean / Simply Tech / Pitstop job + seasonal snowbird & South Florida realtor move-in channel; near-zero standalone ad burn (membership attach rides trade DBA demand).
Lead-to-Quote-to-Book Conversion Funnel & Blended CAC: Completed trade visit → CSR membership/Homewatch pitch → same-day enroll; blended CAC near $0 paid media with ~$18,370/yr normalized base owner-pay share covering desk oversight.
Monthly Churn / Annual Retention & Cross-Sell Attach Benchmark: Home Club / Homewatch annual retention target ≥85% with Hurricane Readiness attach each storm season and priority cross-sell into Glean, Simply Tech, and Pitstop service menus.

4. Team, Fleet & Operations (People & Active Capacity)

W-2 vs. 1099 Staffing & Shared CSR Dispatch Model: Centralizes phone/SMS intake, route scheduling, and quality follow-up in one shared CSR desk (W-2 CSR capacity supported by Lucent’s 24/7 AI Receptionist); no separate field fleet under #4.
Vehicles, Rigs, Tools & Peak Funding CapEx: Shared dispatch software, phones/SMS, and Homewatch inspection kits (no dedicated trade vans); Peak Funding CapEx $24,901 in 2027-12.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Wave 1 Parent LLC Platform; owner oversight 5 hrs/wk (2027) → 4 hrs/wk (2029) (management owner-pay comparison share $18,370/yr in 2029 [$12,545.45 normalized base]; paid once legally at Prism Holdings LLC); EBITDA break-even 2028-01 · Cash break-even 2028-01.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: Shared CSR dispatch payroll is offset by Home Club membership contributions, Homewatch retainers, and intercompany dispatch allocations. Year-3 standalone exit valuation: $506k–$760k (3.5x–5.5x post-owner; $633k base; or bundled inside the $4.45M Home Services LLC Platform exit).

Open Glean / Home Services Hub ↗ Home Services Companion Plan →

LEGAL ENTITY GROUP B · PRISM MOBILITY, LLC (LINES #5, #6, #7 & #10)

Prism Mobility, LLC — How #5 Vesper, #6 Foundry, #7 Obsidian & #10 Motors & Fleet Subtotal Fit With Zero Overlap

No Overlap Between #5, #6, #7, and #10: #5 Vesper Motor Collection launches post-trough in July 2027 at 4 luxury collector vehicles/yr ($667,884 2029 rev / +$30,797 post-owner profit, 0% consignment). #6 Foundry Fleet & Commercial ($810,068 rev / +$70,542 post-owner profit) owns the 6 luxury vehicles, leases them internally to Obsidian under Fla. Stat. § 212.05 (Form DR-13), and runs B2B shuttles. #7 Obsidian Black ($2,500,802 rev / +$198,855 post-owner profit) employs the W-2 chauffeurs and serves retail/corporate passengers. #10 Prism Motors & Fleet ($3,310,870 rev / +$269,397 post-owner profit) is the non-additive division subtotal of #6 + #7—already included in #6 and #7 so it is never counted twice in Entity 2 ($3,978,754 2029 rev / +$300,194 post-owner profit) or portfolio totals.

4-Part Mobility Non-Overlap Role Split: #5 Vesper (4 collector vehicles/yr starting Jul 2027 · 0% consignment; $667,884 Rev / +$30,797 Post-Owner Profit) | #6 Foundry Fleet (owns & rents the 6 debt-free luxury SUVs/sedans; $810,068 Rev / +$70,542 Post-Owner Profit) | #7 Obsidian Black (operates W-2 executive chauffeurs & in-house wraps/tint/maintenance; $2,500,802 Rev / +$198,855 Post-Owner Profit) | #10 Prism Motors & Fleet (combined #6 + #7 division subtotal: $3,310,870 2029 Rev / +$269,397 Post-Owner Profit — never added twice; Entity 2 #5+#6+#7 = $3,978,754 Rev / +$300,194 Profit)

Entity 2 (#5+#6+#7): $3,978,754 Rev · +$300,194 Profit (#10 = $269.4k #6+#7 Subtotal)

Prism Mobility, LLC · Division #5

5 · Vesper Motor Collection

Post-trough July 2027 luxury collector & exotic vehicle acquisition and resale (4 vehicles/yr = 1/quarter; 0% consignment; zero overlap with #6/#7 chauffeur fleet)

Stage 2 · Active Jul 2027 ($667.9k 2029 Rev)

2029 Rev: $667,884 (4 Collector Vehicles/Yr)2029 Post-Owner Profit: +$30,797 (+$38,137 Pre-Owner)Break-Even & Peak: EBITDA 2027-09 · Cash 2027-12 · Peak $6,311 (2027-08)Year-3 Exit Val: $77k–$108k ($92.4k Base · 2.5x–3.5x)

1. What It Does & Who It Serves

Acquires, reconditions, and resells curated luxury collector and enthusiast vehicles to high-net-worth automotive buyers (cross-sold from #7 Obsidian Black’s VIP chauffeur & FBO aviation base and national enthusiast marketplaces) under a strict direct purchase and resale model (0% consignment). Launches post-trough in July 2027 (2027-07) right after the June 2027 cash trough at 4 vehicles/year (1/quarter: 2 in H2 2027 [Sep & Dec], 4 in 2028 [Mar, Jun, Sep, Dec], 4 in 2029 [Mar, Jun, Sep, Dec] = 10 vehicles over 38 months)—generating $333,942 in 2027 revenue (+$14,213 post-owner profit), $667,884 in 2028 (+$30,440 profit), and $667,884 in 2029 (+$38,137 pre-owner profit · $7,340/yr non-posting owner-pay share → +$30,797 post-owner EBITDA; +$75,450 38m profit / +$46,003 38m cash after tax).

2. Customer Offers & Reference Pricing

Curated Collector & Exotic Vehicle Sales (4 Units/Yr = 1/Quarter): 4 collector vehicles/yr @ $165,000 vehicle sale price + $971 Florida doc fee + $1,000 F&I warranty/escrow commission = $166,971/unit ($667,884/yr in 2028 & 2029; $333,942 in H2 2027; $1,669,710 over 38 months across 10 vehicles).
Unit Landed Cost & Gross Margin ($33,617 Gross Margin/Car): $133,354 total landed cost per vehicle ($123,750 wholesale acquisition + $3,094 auction buyer fee + $1,450 enclosed carrier transport + $624 AU05 pre-purchase inspection + $1,800 Pitstop mechanical recon + $650 Glean cosmetic detail + $1,554 Pitstop +$1,500 warranty & closing labor + $432 temp storage/detail), yielding $33,617 gross contribution per vehicle before quarterly listing media and dealer insurance.
Deposit-Backed Automotive Concierge Sourcing Mandate (Reference Option): $3,500 flat sourcing & pre-purchase inspection retainer per collector mandate ($2,750 net/deal after $750 third-party PPI, title/escrow & enclosed carrier coordination; 0% consignment).

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: $0/mo during Nov 2026–Jun 2027 pre-launch → $1,032/mo average ($3,095/quarter = $6,190 in H2 2027; $12,380/yr in 2028 & 2029; $30,950 over 38m) covering Bring a Trailer, Cars & Bids, eBay Motors, and AutoTrader Classics featured listings ($2,095/car) plus a $1,000/car Novelle Veil 4K photo/video studio showcase and private collector lookbooks in Obsidian Black cabins.
Lead-to-Quote-to-Book Funnel & CAC: National enthusiast auction/listing + Obsidian VIP / FBO warm intro → full AU05 inspection & 4K media dossier → wire/escrow closing; blended marketing & photography CAC is $3,095 per sold collector vehicle (1.85% of sale price).
Inventory Turn & Cross-Sell Benchmark: 1 collector vehicle acquired and sold within the same quarter (Sep & Dec 2027; Mar, Jun, Sep & Dec in 2028–2029) so zero unsold vehicle inventory sits across quarter-ends, with Obsidian VIP transfer and Glean ceramic-coating cross-sell on every local delivery.

4. Team, Fleet & Operations (People & Active Capacity)

Staffing and facilities: Lean intercompany specialist model—AU05 third-party pre-purchase inspection ($624/car), #3 Pitstop mechanical reconditioning ($1,800/car) & warranty/closing specialist (6h/deal), #1 Glean cosmetic detail ($650/car), and #9 Novelle 4K studio shoot ($1,000/car), with climate-controlled warehouse storage ($325/mo starting Jul 2027) and no retail dealership showroom lease.
Fleet / Equipment CapEx & Peak Funding Need: Launches post-trough in 2027-07 ($1,650 initial FL dealer license/bond/setup); peak cumulative cash draw is only $6,311 in 2027-08 before the first September 2027 vehicle sale flips Vesper permanently cash-positive (zero impact on the portfolio's June 2027 $656,135 trough).
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Stage 2 Post-Trough Launch (2027-07); owner oversight 2.0 hrs/wk (H2 2027) → 1.5 hrs/wk (2028–2029) ($7,340/yr non-posting owner-pay share in 2029); monthly EBITDA break-even 2027-09 · cumulative cash break-even 2027-12.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: Requires Florida Independent Motor Vehicle Dealer license (FLHSMV VI license), $25,000 surety bond, garage keepers insurance, and strict direct purchase/resale compliance (0% consignment). Year-3 standalone exit valuation: $77k–$108k ($92.4k Base at 2.5x–3.5x post-owner EBITDA).

Open Live Vesper Motor Website ↗ Vesper Governance & Dealer Licensing → Vesper Collector Playbook →

Prism Mobility, LLC · Division #6

6 · Foundry Fleet & Commercial

Central vehicle asset owner, intercompany luxury fleet lessor (Fla. Stat. § 212.05 Form DR-13), and B2B corporate shuttle operator

Wave 1 · Asset Owner & B2B Shuttles ($810.1k Rev)

2029 Rev: $810,068 ($241.7k External)2029 Post-Owner Profit: +$70,542Break-Even & Peak: EBITDA 2028-03 · Cash 2027-01 · Peak $378,912 (2026-12)Year-3 Exit Val: $247k–$353k (3.5x–5.0x) + $360k–$385k Fleet FMV

1. What It Does & Who It Serves

Holds title, financing, commercial insurance, and depreciation for the 6-vehicle luxury fleet ($360,000–$385,000 debt-free FMV by 2029-12), leases SUVs and sedans internally to #7 Obsidian Black under Florida Statute § 212.05 (Form DR-13 resale/lessor structure), and operates recurring B2B commercial shuttle contracts ($810,068 2029 revenue; +$91,355 pre-owner profit · $20,813/yr non-posting owner-pay share → +$70,542 post-owner EBITDA in the staged plan).

2. Customer Offers & Reference Pricing

Internal Fleet Leases to #7 Obsidian Black: Structured intercompany vehicle leases (eliminated in the consolidated group row so internal lease 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.

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: Direct B2B outbound to South Florida corporate campuses, luxury condominium associations, private aviation terminals (FBOs), and boutique hotels (~$800–$1,200/mo soft outreach / hospitality; near-zero retail search media — demand is contract sales, not consumer ads).
Lead-to-Quote-to-Book Funnel & CAC: Campus/hotel/FBO intro → route survey & DR-13 lease quote → signed monthly retainer; blended CAC target ≤1 month of retainer gross (~$2,800) against multi-year shuttle contracts.
Retention / Utilization Gate & Cross-Sell Benchmark: Target ≥90% annual route retention with weekday shuttle utilization ≥70%; every shuttle account is a warm path into #7 Obsidian executive transfers and #5 Vesper collector vehicle introductions.

4. Team, Fleet & Operations (People & Active Capacity)

W-2 vs. 1099 Staffing & 4x10 Shift / Maintenance Model: B2B shuttle operators scheduled on weekday loops; mechanical preventive maintenance performed in-house by #3 Pitstop Mobile Auto; commercial fleet insurance and lessor compliance managed centrally.
Fleet / Equipment CapEx & Peak Funding Need: 6 luxury vehicles (title held here; leased to #7 under Form DR-13); Peak Funding CapEx $378,912 in 2026-12.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Wave 1 Asset Owner & B2B Shuttles; owner oversight 6 hrs/wk (2027) → 5 hrs/wk (2029) ($20,813/yr non-posting owner-pay share in 2029); EBITDA break-even 2028-03 · Cash break-even 2027-01.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: Requires CPA confirmation of Florida Statute § 212.05 Annual Resale Certificate (Form DR-13) lease-stream sales-tax election and binding commercial fleet insurance quotes prior to vehicle delivery. Year-3 standalone exit valuation: $247k–$353k (3.5x–5.0x post-owner) + $360k–$385k debt-free fleet FMV.

Open Live Foundry Fleet Website ↗ Portfolio Fleet & Lease Structure → Foundry Fleet & Shuttle Plan →

Prism Mobility, LLC · Division #7

7 · Obsidian Black

Executive black-car chauffeur service, private aviation terminal (FBO) & airport transfers, corporate retainers, and VIP charters

Wave 1 · Flagship Chauffeur Ops ($2.50M Rev)

2029 Rev: $2,500,802 ($458.3k Core Base)2029 Post-Owner Profit: +$198,855Break-Even & Peak: EBITDA 2027-11 · Cash 2027-12 · Peak $211,615 (2027-11)Year-3 Exit Val: $696k–$994k (3.5x–5.0x)

1. What It Does & Who It Serves

Operates South Florida’s executive chauffeur and black-car service across Palm Beach, Broward, and Miami-Dade—leasing its 6 luxury vehicles internally from #6 Foundry Fleet and employing the W-2 chauffeur team to serve private jet FBO passengers, corporate executives, five-star hotel concierges, and private hourly charters ($2,500,802 2029 revenue; +$220,338 pre-owner profit · $21,483/yr non-posting owner-pay share → +$198,855 post-owner EBITDA in the staged plan).

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.

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: 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).
Lead-to-Quote-to-Book Funnel & CAC: Google/hotel/FBO lead → same-day dispatch quote → booked transfer or 4-hr minimum charter; blended CAC target ≤$85–$120 against $165–$245 airport fares and $380–$620 average charter tickets.
Retention / Utilization Gate & Cross-Sell Benchmark: Sustained chauffeur utilization supports 2028 self-funded fleet expansion (Vehicles #4–#6); target ≥70% corporate/hotel retainer repeat within 90 days plus Foundry shuttle and Vesper collector vehicle cross-sell on VIP households.

4. Team, Fleet & Operations (People & Active Capacity)

W-2 vs. 1099 Staffing & 4x10 Shift / Maintenance Model: W-2 chauffeurs modeled under a 55% fare-share/burden structure with an $18/hr floor guarantee, scheduled on 4x10 peak-demand windows; wraps/tint/detail coordinated in-house with Pitstop maintenance support.
Fleet / Equipment CapEx & Peak Funding Need: 6 luxury vehicles leased from #6 Foundry (no title held here); Peak Funding CapEx $211,615 in 2027-11.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Wave 1 Flagship Chauffeur Ops; owner oversight 12 hrs/wk (2027) → 8 hrs/wk (2029) ($21,483/yr non-posting owner-pay share in 2029); EBITDA break-even 2027-11 · Cash break-even 2027-12.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: Under the staged <=$660k cap, Vehicles #4–#6 release from positive operating cash flow in Jul–Sep 2028. Empirical chauffeur payroll records are currently 0 (planning model estimate). Year-3 standalone exit valuation: $696k–$994k (3.5x–5.0x post-owner).

Open Live Obsidian Black Website ↗ Chauffeur Roster & Shift Plan → Obsidian & Mobility Playbook →

Prism Mobility, LLC · #10 Combined Division Roll-Up

10 · Prism Motors & Fleet

Non-additive division roll-up combining #6 Foundry Fleet ($810,068) + #7 Obsidian Black ($2,500,802) = $3,310,870 Rev / +$269,397 Post-Owner Profit (Never Double-Counted)

Combined Division Roll-Up (#6 + #7)

2029 Rev (#6+#7): $3,310,870 ($628.0k Net Ext)2029 Post-Owner Profit: +$269,397 ($42,296/yr · $40,772.73 normalized alloc)Break-Even & Peak: EBITDA 2027-12 · Cash 2027-08 · Peak $581,886 (2028-02)Year-3 Exit Val: $1.08M–$1.48M Bundle ($943k–$1.35M SOTP)

1. What It Does & Who It Serves

Represents the combined fleet & chauffeur division roll-up under Prism Mobility, LLC of #6 Foundry Fleet & Commercial (vehicle asset holder, intercompany lessor & B2B shuttles) plus #7 Obsidian Black (executive chauffeur & charter operator). Strict Non-Overlap Rule: Because this row is the combined subtotal of #6 and #7, its $3,310,870 2029 revenue ($810,068 + $2,500,802), +$311,693 pre-owner profit · $42,296/yr owner-pay share [$40,772.73 normalized JSON allocation = $15,681.82 #6 + $25,090.91 #7] → +$269,397 post-owner EBITDA (+$178,431 38m EBITDA) are never added a second time into Entity 2 (#5 + #6 + #7 = $3,978,754 rev / +$300,194 profit) or portfolio totals.

2. Customer Offers & Reference Pricing

Exact Additive Identity (#6 + #7 = #10): $810,068 (#6 Foundry 2029 revenue) + $2,500,802 (#7 Obsidian 2029 revenue) = $3,310,870 combined division revenue before intercompany lease elimination.
Combined Division Profitability (#6 + #7 = #10): +$70,542 (#6 Foundry post-owner EBITDA) + +$198,855 (#7 Obsidian post-owner EBITDA) = +$269,397 post-owner EBITDA (+$311,693 pre-owner EBITDA; +$178,431 38m EBITDA) in 2029 under the staged plan.
Debt-Free 6-Vehicle Hard-Asset Backing: Holds 6 luxury vehicles (4 GMC Yukon Denalis, 1 Mercedes S500, 1 BMW Sedan — refreshed in 2028–2029) with $0.00 debt and $360,000–$385,000 FMV at 2029-12.

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: Unified B2B corporate mobility sales — $3,300–$4,300/mo Obsidian consumer/FBO media plus Foundry’s near-zero retail burn (~$800–$1,200/mo soft B2B hospitality) cross-selling airport/FBO transfers (#7) with employee/hotel shuttle retainers (#6).
Lead-to-Quote-to-Book Funnel & CAC: Single mobility CRM path: campus/hotel/FBO intro → combined shuttle + chauffeur quote → booked retainer or transfer; blended division CAC held under Obsidian’s $85–$120 consumer band and Foundry’s ≤1-month-retainer B2B band.
Retention / Utilization Gate & Cross-Sell Benchmark: Sustained utilization across the 6-vehicle chauffeur fleet with ≥90% Foundry route retention; every corporate account is scored for shuttle + black-car attach and Year-3 platform exit readiness.

4. Team, Fleet & Operations (People & Active Capacity)

W-2 vs. 1099 Staffing & 4x10 Shift / Maintenance Model: W-2 Obsidian chauffeurs on 4x10 peak windows + Foundry B2B shuttle operators; Pitstop handles preventive maintenance; no duplicate payroll across the parent roll-up.
Fleet / Equipment CapEx & Peak Funding Need: Combined 6-vehicle platform CapEx peaks at $581,886 in 2028-02; normalized owner-pay share $42,296/yr across #6 + #7 (management view only; not an additional payroll charge).
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Staged 3-car launch in 2026-11..2027-06 then self-funded Vehicles #4–#6 in 2028; combined owner oversight 13 hrs/wk in 2029; EBITDA break-even 2027-12 · Cash break-even 2027-08.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: Bundling #6 Foundry + #7 Obsidian in a Year-3 Mobility Platform exit commands $1.08M–$1.48M bundle EV ($943k–$1.35M SOTP; 4.0x–5.5x EBITDA baseline plus $360k–$385k debt-free fleet FMV). Non-additive roll-up row.

Open Obsidian Black Website ↗ Open Foundry Fleet Website ↗ Prism Motors & Fleet Playbook →

LEGAL ENTITY GROUP C · STANDALONE DIGITAL & CREATOR LLCs (LINES #8 & #9)

Lucent Digital LLC (#8) & Novelle Veil LLC (#9) — High-Margin Digital SaaS, Agency & Creator Studio

Two separate, asset-light Florida LLCs that generate the highest profit margins in the portfolio while legally ring-fencing creator management and studio operations (#9 Novelle Veil LLC) from B2B software and marketing clients (#8 Lucent Digital LLC).

2029 Combined Group C: $4,143,903 Rev · +$1,317,478 Post-Owner Profit

Lucent Digital LLC · Standalone LLC #8

8 · Lucent Digital Services

AI Receptionist SaaS, $495 Credited AI & Call-Capture Audits, conversion web builds, and recurring growth retainers

Wave 1 · #1 Profit Contributor ($2.89M Rev)

2029 Rev: $2,887,389 ($1.97M Core Funnel)2029 Post-Owner Profit: +$660,021 (#1 Profit Line)Break-Even & Peak: EBITDA 2027-11 · Cash 2028-01 · Peak $89,318 (2027-12)Year-3 Exit Val: $2.64M–$4.29M (4.0x–6.5x)

1. What It Does & Who It Serves

Operates under Lucent Digital LLC as both the internal digital marketing engine for all Prism brands and a high-margin B2B digital agency & AI software provider for local home-service, medical, legal, and automotive businesses—generating $2,887,389 in 2029 revenue; +$728,432 pre-owner profit · $68,411/yr non-posting owner-pay share → +$660,021 in post-owner EBITDA (#1 profit contributor in the portfolio).

2. Customer Offers & Reference Pricing

Recurring B2B Growth Retainers (R1–R3 & Audit Conversions): 268.6 R1 mos @ $1,250 ($335,746) + 335.7 R2 mos @ $1,500 ($503,619) + 98.4 R3 mos @ $4,750 ($467,368) + 308.9 converted audit mos @ $1,500 ($463,285) = $1,770,017 (61.3% of 2029 rev).
Conversion Websites (W1–W4), Strategy Reviews (ST1) & Onboarding (X3): W1–W4 web builds ($346,768) + 45.5 X3 onboardings @ $3,000 ($136,389) + 35.1 ST1 reviews @ $1,750 ($61,346) + 12 WL1 templates @ $2,750 ($33,000) = $577,503 (20.0%).
Paid-Media Management (X2), Care Plans (X1) & Pipeline Desk (S1/S2): 126.9 X2 mos @ $1,000 ($126,898) + 386.7 X1 care mos @ $255 ($98,616) + S1/S2 desk ($96,531) + Glean Ad Lab ($5,670) = $327,715 (11.4%).
24/7 AI Receptionist SaaS, AI Pilots (AI1) & $495 Audits: 566.1 SaaS client-mos @ $297/mo ($168,135) + 5.7 AI1 pilots @ $4,980 ($28,179) + 48 AI Audits @ $495 ($23,760 less -$7,920 credit) = $212,154 (7.3%).

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: Audit-first local B2B outbound + Google Search + portfolio cross-sell — $2,400/mo reference media envelope (≈40% Google Search / Local Services, 25% LinkedIn/outbound sequences, 20% Meta retargeting, 15% partner & portfolio referral reserve).
Lead-to-Audit / Creator Discovery-to-Signed Conversion Funnel & CAC: $495 Credited AI & Call-Capture Audit → 14-day credit toward Month-1 retainer → $1,500/mo growth retainer or $297/mo AI Receptionist downsell; blended client CAC held <$650.
Monthly Churn / Tenure & Cross-Sell Benchmark: Planning band 6%/mo roster/client churn (~55%+ annual retention) with AI Receptionist attach on every audit close and cross-sell of Prism Home Services / Mobility sites hosted on Lucent’s stack.

4. Team, Fleet & Operations (People & Active Capacity)

Staffing & Pod / Studio Operating Model: Reusable industry web/funnel templates (home services, fleet, creator) and automated AI voice/SMS workflows staffed as a compact delivery pod (strategy + build + ads + AI support); 14 hrs/wk (2027) → 10 hrs/wk (2029) owner oversight ($68,411/yr non-posting owner-pay share in 2029).
Studio / Tech CapEx & Peak Funding Need: Laptop/AI tooling, CRM, and telecom stack CapEx staged under Wave 1; Peak Funding Need $89,318 in 2027-12.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Wave 1 Core Launch (AI Audit wedge); EBITDA break-even 2027-11 · Cash break-even 2028-01.

5. Financial Outlook (Recommended Plan Trajectory)

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. All figures are planning hypotheses. Year-3 standalone exit valuation: $2.64M–$4.29M (4.0x–6.5x post-owner; $3.30M base; #1 value driver).

Open Live Lucent Digital Website ↗ Lucent Digital Strategy & Funnel → Lucent Digital Playbook →

Novelle Veil LLC · Standalone LLC #9

9 · Novelle Veil

Boutique digital creator agency, 4-room content studio ($8,500/mo base rent · $9,600/mo all-in starting Jan 2027), fan-platform monetization & brand deal representation

Wave 1 · 4-Room Studio ($1.26M 2029 Rev)

2029 Rev: $1,256,514 (4-Room Studio + 15 Creators)2029 Post-Owner Profit: +$657,457 (+$662,793 Pre-Owner)Break-Even & Peak: EBITDA & Cash 2027-05 · Cum Cash BE 2028-01 · Peak $58,976 (2027-04)Year-3 Exit Val: $1.97M–$3.29M (3.0x–5.0x · $2.65M Base)

1. What It Does & Who It Serves

Operates under standalone Novelle Veil LLC as a boutique, privacy-first digital creator agency and South Florida content studio. Under the Recommended 4-Room Studio @ $8,500/mo Base Rent ($9,600/mo all-in with utilities/fiber/security) Starting Jan 2027 (Balanced Ramp: 0 rooms Jan → 1 Feb → 2 Mar–Apr → 3 May–Jul → 4 Aug–Dec 2027), Novelle generates $347,299 in 2027 revenue (+$36,852 post-owner profit), $844,247 in 2028 (+$362,110 profit), and $1,256,514 in 2029 (+$662,793 pre-owner profit · $5,336/yr non-posting owner-pay share → +$657,457 post-owner profit; +$1,056,420 38m profit / +$802,790 38m cash after tax).

2. Customer Offers & Reference Pricing

Full-Service Creator Revenue-Share Management (50/50 Studio & 35% Remote Tier): Scales to $1,067,025 in 2029 (84.9% of 2029 rev). Studio-resident creators pay $0 separate room rent (included in the 50/50 split; ~$3,400/mo net contribution per filled room, breaking even on the $8,500/mo house at 3 filled rooms in May 2027).
Creator Social Growth & Retention Management: $100,131 in 2029 (8.0% of 2029 rev) across social growth and X4 talent packages.
Paid Media & Batch Video Editing Management ($141/creator-mo): $32,026 in 2029 (2.5% of 2029 rev).
Creator Onboarding Setup Fees ($499/$1,499/$2,999), 4-Room Studio Shoot Packages ($625) & 15% Daytime Peerspace Sublease ($45/hr · $250/day): $57,331 in 2029 ($28,644 setup fees + $28,687 studio/Peerspace/kit rentals = 4.6% of 2029 rev).

View Unit Economics, Risks & 90-Day Playbook (Sections 3 & 4) ▾

3. How It Wins Customers (Marketing & Active Target)

Primary Acquisition Channels & Monthly Ad Budget Split: Live custom fan-site demo outreach (Sienna & Mara sample) + creator-to-creator referral network; paid-spend guardrail held <0.85 of net agency contribution (near-zero cold paid media; demo + referral first).
Lead-to-Audit / Creator Discovery-to-Signed Conversion Funnel & CAC: Fan-site demo → discovery call → talent management agreement → studio onboarding; blended creator/client CAC held <$650.
Monthly Churn / Tenure & Cross-Sell Benchmark: Planning band 6%/mo roster/client churn with brand-deal and Lucent-hosted fan-site attach on every signed creator, plus studio kit rental upsell.

4. Team, Fleet & Operations (People & Active Capacity)

Staffing & Pod / Studio Operating Model: Dedicated 4-room creator studio ($8,500/mo base rent + $1,100/mo utilities/fiber/security = $9,600/mo starting Jan 2027) + 1 production/control room + 2 recruiters ($1,400/mo each) + variable batch editors ($141/creator-mo) and retention VAs—requiring only 1.5–2.5 hrs/wk of owner oversight ($5,336/yr non-posting owner-pay share; plan band 4.0h → 2.5h/wk).
Studio / Tech CapEx & Peak Funding Need: $20,000 4-room lighting/acoustic/camera fit-out in 2027-01 ($5,000/room); Novelle Peak Funding Need $58,976 in 2027-04 during the initial 4-month room fill ramp.
Launch Stage, Weekly Owner Hours & Exact Break-Even Timing: Balanced 2027 Studio Ramp (0 rooms Jan → 1 Feb → 2 Mar–Apr → 3 May–Jul → 4 Aug–Dec); EBITDA & monthly cash flip positive in 2027-05 (+$1,274/mo in May, +$8,813/mo by Aug, +$11,325/mo by Dec 2027) · Cumulative cash break-even 2028-01.

5. Financial Outlook (Recommended Plan Trajectory)

6. Assumptions, Gates & Direct Links

Key Gate & Provenance: Requires standard talent management agreements, age/identity verification compliance, and ≥2 signed creator letters of intent before studio equipment drawdowns. All figures are planning hypotheses. Year-3 standalone exit valuation: $1.97M–$3.29M (3.0x–5.0x post-owner; $2.65M Base; $5.93M–$8.56M Digital Bundle).

Open Live Novelle Veil Website ↗ Open Sample Creator Site (Sienna & Mara) ↗ Wave 2 Staffing Gate Rules → Novelle Veil Studio Playbook →

PART 2 · PORTFOLIO FINANCIAL ROLL-UP TABLE (ALL 10 LINES + CENTRAL ENTITIES)

Side-by-side revenue, profit, startup cash need, and break-even month across all 10 lines

Positioned below the 10 full business cards so you can inspect the complete operating playbooks first, then compare every line side by side in your active scenario.

↔ Swipe sideways to compare all columns

Full 10-Line Financial Roll-Up Table (#businessRows) ▾

Business & Legal LLC	First Offer & Reference Price	2029 Revenue	2029 Operating Profit (EBITDA)	38m Operating Profit / Cash & Break-Even	Active Scenario Role & Status

MARKETING & SALES · RECOMMENDED PLAN ACQUISITION & CROSS-SELL

Reach the right customers, cross-sell across the 3 Legal LLCs, and inspect recommended volume targets.

Every business in Prism Holdings has a defined first-offer wedge, primary acquisition channel, and 30-to-60-day paid pilot validation rule across the Recommended Full 10-Brand Plan (<=$660k Self-Funded).

VISUAL CHANNEL BUDGET, CAC & CONVERSION FUNNEL SUMMARY BY LEGAL LLC

Entity 1 · Home Services LLC (#1–#4)$4,350/mo Ad Budget · $32–$185 CAC · 38%–42% Quote-to-Book · #4 Home Club cuts churn 5.5% → 2.9%/mo

Entity 2 · Prism Mobility, LLC (#5, #6, #7, #10)$5,082/mo Ad & Listing Budget ($3,650 Obsidian + $400 Foundry + $1,032 Vesper Active) · $92–$450 Chauffeur CAC / $3,095/car Collector Listing+Shoot · 58% Repeat Corporate/FBO

Entity 3 · Digital LLC (#8–#9)$2,400/mo Lucent Audit Funnel (≥25% Audit-to-Retainer) + Novelle Creator Demo Funnel (<$650 Recruitment CAC, 6%/mo Churn)

ENGINE 1 · PRISM HOME SERVICES LLC (#1–#4)

#4 Prism Home Club ($29/mo = $348/yr) Household Cross-Sell Funnel

Step 1 (Entry Wedge): Acquire one South Florida household through #1 Glean bi-weekly cleaning ($185–$320/visit), lawn/pool care, or exterior restoration ($551.25 blended ticket).
Step 2 (Conversion & CAC Rule): Enroll into #4 Prism Home Club (185 active household members @ $29/mo = $348/yr + $295/mo Seasonal Homewatch & Hurricane Prep) without paying a second customer acquisition cost (CAC).
Step 3 (Cross-Sell & Retention Lift): Cross-sell #2 Simply Tech smart-home Wi-Fi/4K PoE installs ($2,600 avg job ticket) and #3 Pitstop driveway fleet maintenance to the same household membership.

CROSS-LLC B2B ENGINE · COMMERCIAL PROPERTY, FLEET & CHAUFFEUR FUNNEL (#1, #3, #6, #7, #10)

Recurring B2B Commercial Retainers & Executive Accounts

Step 1 (Entry Wedge): Direct B2B account outreach across both Home Services and Mobility LLCs to open commercial property, fleet, and executive/FBO relationships.
Step 2 (Conversion & CAC Rule): Lock recurring retainers: #1 Glean night/weekend medical and office janitorial ($550/mo per building across 35 commercial accounts), #3 Pitstop B2B commercial lot fleet PM contracts ($650/mo per fleet), and #6 Foundry Fleet corporate employee/hotel shuttle retainers ($2,800/mo).
Step 3 (Cross-Sell & Retention Lift): Expand into #7 Obsidian Black FBO private aviation ground desks and corporate executive retainers (combined in #10 Prism Motors & Fleet subtotal) for sticky multi-line B2B accounts.

ENGINE 3 · PRISM DIGITAL LLC (#8, #9)

#8 Lucent 24/7 AI Receptionist & Missed-Call Text-Back Engine

Step 1 (Entry Wedge): #8 Lucent Digital opens with a $495 Credited AI & Call-Capture Audit that powers both internal portfolio lead capture and external B2B agency growth.
Step 2 (Conversion & CAC Rule): Convert audits into $2,650–$2,800 web builds + $1,500/mo recurring growth retainers and sticky $297/mo AI Receptionist SaaS subscriptions.
Step 3 (Cross-Sell & Retention Lift): Pair Lucent retainers with #9 Novelle Veil creator management and 4-room studio ($8,500/mo Jan 2027) funnels (15 managed creators in 2029) for Digital LLC retention and expand.

COMPLETE 10-LINE MARKETING & ACQUISITION MATRIX (GROUPED UNDER 3 LEGAL LLCS)

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

Complete 10-Line Marketing, Channel Budget, Funnel & Retention Matrix (All 10 Businesses Grouped by 3 Legal LLCs) ▾

Business & Legal LLC (#1–#10)	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.

Live Glean Site ↗ Live Simply Tech Site ↗ Live Pitstop Site ↗ Live Vesper Site ↗ Live Foundry Site ↗ Live Obsidian Site ↗ Live Lucent Site ↗ Live Novelle Site ↗ Master 10-Line Plan #1 Glean Plan & Marketing Guide #2 Simply Tech Plan #3 Pitstop Plan #4 Home Services Structure #5 Vesper Plan #6 Foundry Plan #7 Obsidian & #10 Mobility Plan #8 Lucent Plan #9 Novelle Plan Search all marketing sources

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 10 portfolio lines under 3 Legal LLCs, the shared Home Services pool, and Prism Holdings corporate governance.

2029 WEEKLY OWNER HOURS BY LEGAL LLC (44.0H ACTIVE OPS LINES [42.5H CORE + 1.5H VESPER] TAPERING TO 40.0H TARGET · ZERO #10 DOUBLE-COUNT)

Entity 1 · Prism Home Services LLC (#1–#4): 17.0 hrs/wk#1 Glean 6.0h · #3 Pitstop 5.0h · #4 Home Services 4.0h · #2 Simply Tech 2.0h

Entity 2 · Prism Mobility, LLC (#5, #6, #7; #10 is 13.0h Subtotal): 14.5 hrs/wk (13.0h Motors + 1.5h Vesper)#7 Obsidian 8.0h · #6 Foundry 5.0h · #5 Vesper 1.5h Active (2.0h → 1.5h/wk) · #10 Motors = 13.0h non-additive subtotal

Entity 3 · Prism Digital LLC (#8–#9): 12.5 hrs/wk#8 Lucent 10.0h · #9 Novelle 2.5h (plus 4.0h Central Holdings governance)

1 · OWNER WEEKLY TIME BANDWIDTH BY LEGAL LLC (2029 SCORECARD TIE-OUT)

2029 Operating Line Total = 44.0 hrs/wk Active Across All 10 Lines (42.5 hrs/wk Core + 1.5 hrs/wk Vesper · Tapering Toward 40.0 hrs/wk Target)

Owner Time Cap: 2029 operating lines = 44.0 hrs/wk active in Target (42.5 hrs/wk core + 1.5 hrs/wk Vesper), tapering from 58.0 hrs/wk (2027) toward the 40.0 hrs/wk / 2,080 hrs/yr steady-state target.
3 Legal LLC split: Home Services 17.0 hrs/wk · Mobility 14.5 hrs/wk (13.0h Motors + 1.5h Vesper) · Digital 12.5 hrs/wk (+ Central Holdings 4.0 hrs/wk governance).
Zero #10 double-count: #10 Motors & Fleet is the non-additive 13.0h Mobility subtotal — never added twice on top of #6 Foundry + #7 Obsidian.

Weekly owner hours tie out 100% to the bound 2029 scorecard: Entity 1 — Prism Home Services LLC (#1–#4): 17.0 hrs/wk (#1 Glean 6.0h + #2 Simply Tech 2.0h + #3 Pitstop 5.0h + #4 Prism Home Services 4.0h); Entity 2 — Prism Mobility, LLC (#5, #6, #7; #10 is non-additive 13.0h subtotal): 14.5 hrs/wk active in Target (13.0 hrs/wk Motors & Fleet + 1.5 hrs/wk #5 Vesper) (#5 Vesper 1.5h + #6 Foundry 5.0h + #7 Obsidian 8.0h; #10 Motors & Fleet = 13.0h subtotal — never added twice); Entity 3 — Prism Digital LLC (#8–#9): 12.5 hrs/wk (#8 Lucent 10.0h + #9 Novelle 2.5h); plus Central — Prism Holdings & Property: 4.0 hrs/wk governance oversight. 2029 Operating Line Total = 44.0 hrs/wk active in Target (42.5 hrs/wk core + 1.5 hrs/wk Vesper, tapering from 58.0 hrs/wk in 2027 toward the 40.0 hrs/wk / 2,080 hrs/yr steady-state owner bandwidth target).

2 · OWNER COMPENSATION PACKAGE (BOOKED ONCE AT HOLDING)

$177,411/yr Total Owner Compensation ($561,994 Over 38 Months · $532,000 Direct to You)

Full Plan pay: $177,411/yr = $120,000 W-2 base + $30,000 401(k) + $18,000 health + $9,411 employer payroll taxes ($561,994 company cost / $532,000 direct to you over 38 months).
Cash salary + benefits: includes $138,000/yr in direct salary + health benefits plus $30,000/yr 401(k) retirement funding and $9,411/yr employer payroll tax.
Booked once at Holding: owner pay posts only at Prism Holdings LLC; per-business #1–#9 allocation is a non-posting management view (#10 = #6+#7 subtotal).

Under the Recommended Plan, the owner receives $177,411/yr ($120,000 W-2 base salary + $30,000 401(k) retirement contribution + $18,000 health benefits + $9,411 employer payroll taxes, totaling $561,994 over 38 months, of which $532,000 goes directly to you and your 401(k)/health plan). To preserve legal and tax accuracy, owner pay is booked once at Prism Holdings LLC; the per-business management allocation across #1–#9 (#10 is the #6+#7 subtotal) is a non-posting management view only.

3 · REVENUE-GATED STAFFING & SHIFT STRUCTURE

W-2 Employees vs. 1099 Contractors & 4x10 Chauffeur Shifts

W-2 core staff: employees cover core routes plus shared CSR dispatch ($51,840 Day-1 base → $73,655 2029 pool) with full employer taxes and workers’ compensation.
4x10 chauffeur blocks: four 10-hour Thursday–Sunday peak shifts save +$48,455.80 in 6-car modes vs. 5x8 schedules.
1099 overflow: independent contractors handle variable cleaning overflow, licensed partner referrals, and non-peak affiliate rides so fixed payroll never outruns booked revenue.

W-2 employees (with full employer payroll taxes and workers’ compensation coverage) staff core routes, shared Customer Service Representative (CSR) dispatch ($51,840 Day-1 base → $73,655 2029 pool), and dedicated 4x10 peak chauffeur blocks (four 10-hour shifts covering Thursday–Sunday executive/FBO peaks, saving +$48,455.80 in 6-car modes vs. 5x8 schedules). 1099 independent contractors handle variable overflow cleaning, licensed partner referrals, and non-peak affiliate rides so fixed payroll never outruns booked revenue.

COMPLETE 10-LINE STAFFING, FLEET & OWNER BANDWIDTH TABLE (GROUPED UNDER 3 LEGAL LLCS + CENTRAL)

Workforce model, fleet/equipment, and active-scenario capacity & owner hours

Owner time, staffing model, and shared CSR dispatch funding across all 10 portfolio lines in the Recommended Plan.

↔ Swipe sideways to compare all columns

Complete 10-Line Staffing, Fleet/CapEx, Owner Hours & Break-Even Table (All 10 Businesses + Central) ▾

Business / Function	Workforce & Staffing Model	Active Fleet, Equipment & Systems	Active Owner Hrs/Wk (2027 → 2029)	Active Scenario Capacity & Funding Rule

PART 2 · 4-STAGE RESOURCING & HIRING PROGRESSION (NOV 2026 → DEC 2029)

How staffing, W-2 vs. 1099 roles, and owner-hour relief scale across 4 concrete operational stages

Every new hire, chauffeur shift block, route technician, and studio coordinator is gated on proven cash flow and utilization—stepping your weekly owner hours down from 72.0h/wk at launch → 58.0h/wk in late 2027 → 53.5h/wk in 2028 → 42.5h/wk in 2029.

PART 3 · COMPLETE LABOR COSTS, PAY RATES & HEADCOUNT BREAKDOWN BY COMPANY (2026 → 2027 → 2028 → 2029 → 38M TOTAL)

How the $11.59M 38-month labor & provider budget ($1.93M in 2027 → $4.01M in 2028 → $5.60M in 2029 · 48.6% of sales) breaks down across all 10 lines + Central Holding

Reconciles 100% with the authoritative workbook (Component schedules, Entity results & OWNER_PAY.csv). Shows exact W-2 wages, payroll taxes, benefits, 1099 provider/contractor payouts, non-labor operating costs, non-posting owner-pay share, and post-owner profit by company.

2027 Total Portfolio Labor & Payroll $1,933,531 55.1% of $3.51M 2027 sales across all 10 active brands + $192.4k Central Holding (CEO + SH06 Bookkeeper)

2028 Total Portfolio Labor & Payroll $4,007,196 47.9% of $8.37M 2028 sales as 6-vehicle chauffeur fleet, Vesper collector sales, 3 Glean routes, Lucent pods & 4-room studio scale

2029 Total Portfolio Labor & Payroll $5,599,230 48.6% of $11.52M 2029 sales · Generates +$2,359,769 post-owner profit after all labor & $177,411 CEO pay

38-Month Cumulative Labor & Provider Pay $11,593,272 49.5% of $23.40M 38m sales ($3.84M Obsidian · $3.17M Lucent · $2.27M Glean · $683k Novelle · $608k Holding · $367k Home · $312k Pitstop · $226k Foundry · $74k Simply Tech · $50k Vesper)

↔ Swipe sideways to inspect 2026, 2027, 2028, 2029 & 38m Labor Costs, Pay Rates, Headcount Ramp, and Post-Owner Profit by Company

Company / Portfolio Line	Workforce Structure, Pay Rates & 2027→2029 Headcount Ramp	2026 Stub Labor	2027 Labor Cost	2028 Labor Cost	2029 Labor Cost & % of 2029 Sales	38-Month Total Labor	2029 Non-Labor Op/Fleet Costs	2029 Sales & Post-Owner Profit	Itemized 2029 Labor Lines (Workbook Tie-Out)

PART 4 · CAPITAL OUTLAY, STARTUP BUILD-UP, 2028 SELF-FUNDED EXPANSION & ONGOING MAINTENANCE BY BRAND

What every brand costs to build up, how the $220,000 2028 expansion is self-funded, and what ongoing fleet, rig & studio maintenance costs each year

Separates one-time launch CapEx & working-capital build-up ($329,435 initial staged CapEx/fleet inside the $656,135 peak pool drawdown) from the $220,000 self-funded 2028 expansion and recurring annual maintenance, fuel, chemicals, commercial insurance, studio rent, and fleet rotation reserves ($527.9k in 2027 → $730.6k in 2028 → $863.9k in 2029).

Initial 2026–2027 Staged Capital Outlay $329,435 CapEx/Fleet 3 luxury vehicles ($193.0k) + Glean lawn/pool/wash rigs ($77.6k) + Obsidian launch ($31.1k) + Novelle 4-room fit-out ($20.0k) + Simply Tech ($3.5k) + Pitstop ($1.65k) + Home ($1.5k) + Lucent ($1.0k; plus $21.3k expensed templates). Keeps peak pool need at $656,135.

2028 Self-Funded Expansion CapEx $220,000 ($0 Debt) Paid 100% from 2028 operating cash flow: $40,000 in May 2028 (Glean Commercial Lawn Rig #3) + $60,000 in Jul 2028 (Foundry Vehicle #4) + $120,000 in Sep 2028 (Foundry Vehicles #5 & #6).

Ongoing Annual Maintenance, Fuel & Lease Upkeep $528k (27) → $731k (28) → $864k (29) Covers all fleet fuel/tires/repairs ($361.5k Obsidian in 2029), fleet depreciation/rotation reserve ($206.2k Foundry), Glean route fuel/chemicals/supplies ($281.0k), and Novelle 4-room studio lease & utilities ($120.2k).

Ending Debt-Free Hard Assets (Dec 2029) $509,000 – $553,000 FMV 6 debt-free luxury vehicles ($360k–$385k FMV) + 5 commercial lawn/pool rigs & wash gear ($135k–$150k FMV) + 4-room studio & AV gear ($14k–$18k FMV) with $0.00 vehicle debt.

↔ Swipe sideways to inspect Initial Build-Up, 2028 Self-Funded CapEx, Peak Cash Need, and 2027–2029 Ongoing Maintenance by Brand

Brand / Portfolio Line	Initial 2026–2027 Build-Up Outlay (Staged)	2028 Self-Funded Expansion CapEx	2028–2029 Ongoing CapEx & Fleet Rotation	Total 38m Capital Deployed	Peak Startup Cash Need & Payback	What Initial Capital & Build-Up Buys	Ongoing Maintenance & Upkeep (2027 → 2028 → 2029)	What Ongoing Maintenance, Fuel, Lease & Reserve Covers

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 (Staged Self-Funded Plan): In the Staged Self-Funded plan, initial vehicle down-payments and commercial route acquisition tranches are sequenced across Months 1–16 so cumulative cash burn stays at $656,135 (inside the $660,000 starting pool), and Vehicles #4–#6 release from positive operating cash flow in Jul–Sep 2028.
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.
Capital-light specialty lines (#5 Vesper & #9 Novelle): In the Recommended Plan, #5 Vesper launches post-trough in July 2027 at 4 collector vehicles/yr (2.0 hrs/wk → 1.5 hrs/wk owner time in 2029) and #9 Novelle runs on the 4-room creator studio ($8,500/mo base rent starting Jan 2027) + 15-creator roster (2.5 hrs/wk owner time in 2029).
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.

Open Resource Plan v10 Home Services structure Browse position and staffing documents

FINANCIAL PICTURE · RECOMMENDED PLAN CHARTS, TABLES & DRAFT EXIT ILLUSTRATION

What the financial forecast projects for the Recommended Plan ($11.52M 2029 Revenue · +$2.36M Profit)

Inspect the monthly cash pool, operating profit trajectory, and hypothetical Year-3 non-cash exit illustration for the Recommended Full 10-Brand Plan (<=$660k Staged Self-Funded) across all 38 months (Nov 2026 – Dec 2029).

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.

CHAPTER 4 · YEAR-3 HYPOTHETICAL NON-CASH EXIT ILLUSTRATION, FLEET EQUITY & <=$660,000 SELF-FUNDED CAPITAL SUMMARY

$10.05M Conservative | $12.39M Base | $15.03M SOTP ($17.89M Single-Portfolio Aggressive) — Hypothetical Non-Cash Draft Exit Illustration

1 · YEAR-3 HYPOTHETICAL NON-CASH EXIT ILLUSTRATION TIERS

$10.05M Conservative | $12.39M Base | $15.03M SOTP ($17.89M Single-Portfolio Aggressive) — Pre-Transaction Illustration

Three Year-3 (Dec 2029) M&A exit structures backed by $2,359,769 post-owner EBITDA ($2,537,180 pre-owner SDE) + $1,300,973 debt-free cash + $509k–$553k hard-asset FMV: Option 1 Sum-of-the-Parts yields $10.05M Conservative | $12.39M Base | $15.03M Aggressive; Option 2 Three LLC Platform Bundles yields $12.37M / $14.55M / $16.99M; and Option 3 Single Multi-Brand Portfolio Sale reaches $13.30M / $15.50M / $17.89M.

2 · HARD-ASSET FLEET & RIG EQUITY AT MONTH 38

$509k–$553k Physical Fleet/Rig FMV ($219.9k Liquidation Floor) · $0 Vehicle Debt

By Month 38 (Dec 2029), all 6 luxury vehicles in #6 Foundry Fleet ($360,000–$385,000 FMV) and #1 Glean commercial lawn/pool/wash rigs ($135,000–$150,000 FMV) plus studio/AV gear ($14,000–$18,000) are 100% paid off with $0.00 remaining vehicle debt (and a conservative liquidation floor of $219,900).

3 · SELF-FUNDED <=$660,000 STAGED CAPITAL SCHEDULE

$656,135 Peak Cash Need · $3,865 ($7,763 w/ split fit-out) Safety Cushion

Combining $330,000 in Rollover for Business Startups (ROBS) retirement funds and $330,000 in non-ROBS cash/credit creates a $660,000 starting capital pool. Staging $220,000 of expansion equipment into May–September 2028 positive cash flow caps maximum cumulative cash draw at $656,135 in 2027-06 (+$3,865 ($7,763 w/ split fit-out) safety buffer inside $660,000, zero outside dilution) vs. $876,135 in the Unstaged Sensitivity.

YEAR-3 (2029-12) EXIT VALUATION TIERS & 10-BUSINESS STANDALONE MULTIPLE BREAKDOWN

Option 3 · Single Multi-Brand Portfolio Sale (5.0x–7.0x EBITDA + $1.30M Cash + $475k Fleet/AR)$13.30M Cons · $15.50M Base · $17.89M Aggr

Option 2 · Three Legal LLC Platform Bundles (4.60x–6.55x EBITDA + Cash/Assets)$12.37M Cons · $14.55M Base · $16.99M Aggr (Digital $5.93M–$8.56M · Home $3.71M–$5.19M · Mobility $1.16M–$1.59M)

Option 1 · Individual Brand Sale SOTP (3.65x–5.73x EBITDA + Cash/Assets)$10.05M Cons · $12.39M Base · $15.03M Aggr (#8 Lucent $2.64M–$4.29M · #1 Glean $2.01M–$3.01M · #9 Novelle $1.97M–$3.29M · #7 Obsidian $696k–$994k · #4 Home $506k–$760k · #2 Simply Tech $272k–$427k · #6 Foundry $247k–$353k + $360k–$385k Fleet · #3 Pitstop $108k–$162k · #5 Vesper $77k–$108k [$92.4k Base] · #10 Motors $1.08M–$1.48M Bundle)

Staged <=$660k Gate Schedule (Gate 0..3) & Cash-Valley CurveGate 0 (2026-11): $660k ROBS+Cash Pool → Trough (2027-06): -$656,135 (+$3,865 [$7,763 w/ split fit-out] Cushion) → Vesper Post-Trough Launch (2027-07) → Gate 1 (2028-05): $40k Route #3 → Gate 2 (2028-07): $60k Veh #4 → Gate 3 (2028-09): $120k Veh #5–#6 → Ending Pool (2029-12): $2,128,863

Rollout Option / Scenario Preset Chart Metric

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

Recommended Full 10-Brand Plan

↔ Swipe graph left or right with your finger to inspect all 38 months & 13 quarters

2029 Annual Revenue & Margin$11,516,56320.5% operating profit margin across 3 Legal LLCs

2029 Annual Profit & 38m Profit+$2,359,769+$3,359,832 cumulative 38-month operating profit after $177,411/yr CEO pay

Peak Funding Need & Pool Cushion$656,1352027-06 trough · +$3,865 ($7,763 w/ split fit-out) cushion below $660,000 starting pool

Ending 38m Cash Pool (Dec 2029)$2,128,863+$1,468,863 38m net cash after tax + $660,000 starting pool

Monthly flow goals: loading from bound display…

YOUR MONEY PATH · 4 ACTIONABLE CASH, PAYCHECK & REINVESTMENT GATES (2026-Q4 → 2029-Q4)

How your $10,000/mo cash wages ($14,000/mo bundled package), 2028 cash-gated buys, Dec 2028 pool recovery, and C-Corp pool attribution connect

Four concrete decision gates tie your $10,000/mo ($120,000/yr) W-2 cash wages before income tax (bundled with $2,500/mo 401k deposit and $1,500/mo health coverage into a $14,000/mo package; $177,411/yr company cost at Holding) to the portfolio's cash curve, the $220,000 self-funded 2028 expansion, the Dec 2028 ($723k pool) unbooked raise option, and your 401(k)'s $1,159,431 combined attribution ($95k direct 401k deposits + 50% of the C-Corp's $2,128,863 ending cash pool).

Open Companion Workbook → View Full 13-Quarter Chart on Overview → Open 4-Stage Resourcing & Brand CapEx on Resources →

Gate 1 · Planned Cash Wages & Package$10k/mo Cash Wages ($14k Bundled)$10,000/mo W-2 cash wages before income tax ($120k/yr, flat through Q3 2028) + $2,500/mo 401(k) deposit + $1,500/mo health ($168k/yr bundled · $177,411/yr company cost at Holding).

Gate 2 · May–Sep 2028 Cash Buys$220,000 Self-FundedRelease $40k in May 2028 (Lawn Rig #3), $60k in Jul 2028 (Vehicle #4), and $120k in Sep 2028 (Vehicles #5–#6) only out of positive operating cash.

Gate 3 · Dec 2028 Pool Recovery & Unbooked Raise$722,745 Pool → Optional RaiseOnce the $660k pool is recovered in Dec 2028 (2028-Q4), an optional board-approved raise to $45k in Q4 2028 and $245k/yr in 2029 can be evaluated (unbooked in baseline cash).

Gate 4 · Dec 2029 C-Corp Pool Attribution$1.16M 401(k) · $1.50M Personal$95k direct 401(k) deposits + $1,064,431 401(k) 50% C-Corp pool share; $437k W-2/health + $1,064,431 personal 50% C-Corp pool share (corporate cash inside C-Corp).

Expand 13-Quarter Owner Compensation, Unbooked Raise Option & 401(k) Attribution Schedule (2026-Q4 → 2029-Q4) ▾

↔ Swipe sideways to inspect all 13 quarters of Owner Pay & C-Corp Pool Attribution

Quarter	Stepping-Stone Phase & Key Operational Milestone	Quarterly Revenue	Bundled Owner Package $10k/mo W-2 + 401(k) + Health	Post-Owner Profit	Staged Net Cash Flow	Ending $660k Cash Pool	401(k) 50% Profit / Cash Share (Qtr)	401(k) Trust Attribution 50% C-Corp Pool + Cum. 401k	Personal 50% C-Corp Pool + Cum. W-2/Health

Expand Brand-by-Brand Capital Outlay, 2028 Self-Funded Expansion & Ongoing Maintenance Table ▾

↔ Swipe sideways to inspect Capital Outlay, 2028 Self-Funded Expansion & Ongoing Annual Maintenance by Brand

Brand / Portfolio Line	Initial 2026–2027 Build-Up Outlay (Staged)	2028 Self-Funded Expansion CapEx	2028–2029 Ongoing CapEx & Fleet Rotation	Total 38m Capital Deployed	Peak Startup Cash Need & Payback	What Initial Capital & Build-Up Buys	Ongoing Maintenance & Upkeep (2027 → 2028 → 2029)	What Ongoing Maintenance, Fuel, Lease & Reserve Covers

Layer 3 Audit Drawer · Expand Historical Multi-Plan Trajectory Overlays & Comparison Table ▾

MULTI-PLAN OVERLAID TRAJECTORIES & END-OF-HORIZON COMPARISON

Compare Recommended Full 10-Brand Plan, Options C, B, A, and Baseline side by side

How are the financial terms and acronyms defined?

Sales (Net Revenue): consolidated customer revenue after removing internal intercompany billings (such as #6 Foundry vehicle leases to #7 Obsidian, #3 Pitstop internal fleet maintenance SLAs, and #8 Lucent internal marketing retainers). Projected Operating Profit (EBITDA — Earnings Before Interest, Taxes, Depreciation, and Amortization): consolidated operating profit stated after deducting the full owner compensation package booked once at Prism Holdings LLC ($177,411/yr = $120,000 W-2 salary + $30,000 401(k) + $18,000 health benefits + $9,411 employer payroll taxes). Cash After Modeled Tax (T2): consolidated net cash flow after seller-note debt service, vehicle/equipment capital expenditures (CapEx), and modeled C-Corporation income taxes (21% Federal + 5.5% Florida with $50,000 exemption and 80% net operating loss carryforward limit).

Capital Pool & Plain-English Acronyms: the $660,000 modeled starting capital pool combines $330,000 in ROBS (Rollover for Business Startups retirement funds governed by ERISA, the Employee Retirement Income Security Act) and $330,000 in non-ROBS cash/credit. CSR: Customer Service Representative (shared phone & dispatch desk). FBO: Fixed-Base Operator (private aviation terminal for executive jet arrivals). TNC: Transportation Network Company (commercial black-car/limousine permit authority). PoE: wired Power-over-Ethernet (hardwired camera/Wi-Fi cabling). SLA: Service-Level Agreement. CAC: Customer Acquisition Cost. LTV: Customer Lifetime Value. B2B: Business-to-Business.

CALENDAR YEAR VIEW

Annual results across the Recommended Plan (2026–2029)

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

Open sources and review notes

ROADMAP, 3-YEAR PROJECT SETUP GANTT & EXECUTION WORK HUB

From Day-1 legal, fleet, and route setup to 3-year strategic milestones across all 10 portfolio lines under 3 Legal LLCs.

Organized with collapsible timeline lanes, milestone markers, a 6-state status board, and a strategic-to-tactical table so you can inspect every pre-launch filing, 30-to-60-day paid pilot, and expansion gate across the Recommended Full 10-Brand Plan (<=$660k Self-Funded).

IMMEDIATE OWNER CHECKLIST · 4 REAL-WORLD PRE-LAUNCH ACTION GATES

What must be signed off in the real world before spending launch capital

Gate 1 · Capital Stack: Lock the Recommended Full 10-Brand Plan inside the <=$660k self-funded pool ($656,135 staged peak need = $3,865 ($7,763 w/ split fit-out) cushion).
Gate 2 · Franchise & Premises: CPA/ERISA sign-off on the $330k ROBS C-Corp + Fla. Stat. 212.05 Form DR-13 intercompany lease certificate.
Gate 3 · Fleet & Insurance: Bind Phase-1 3-car livery insurance; stage Jul–Sep 2028 Vehicles #4–#6 expansion to the 6-SUV fleet.
Gate 4 · Shared Desk & Pilots: Stand up the Shared CSR Desk ($51,840 → $73,655) and run 30-to-60-day paid channel pilots.

Full Pre-Launch Gate Detail (Capital, CPA/ERISA, Fleet Binders & CSR Desk) ▾

Gate 1 · Capital Stack Lock (Lock Active Rollout Schedule & <=$660k Self-Funded Pool): Execute the Recommended Full 10-Brand Plan (<=$660k Self-Funded) (all 10 lines active; $11,516,563 in 2029 revenue; $2,359,769 projected 2029 profit; $656,135 staged peak cash need = $3,865 ($7,763 w/ split fit-out) cushion inside the $660,000 starting pool; $2,128,863 ending cash), launching #5 Vesper post-trough in July 2027 and sequencing $220,000 of expansion equipment into May–September 2028 operating cash flow.
Gate 2 · Franchise & Premises Lock (CPA Tax, ERISA Sign-Off & No-Lease Rules): Obtain written Certified Public Accountant (CPA) and Employee Retirement Income Security Act (ERISA) counsel sign-off on the $330,000 Rollover for Business Startups (ROBS) C-Corporation structure, the 3 Legal LLC subsidiary agreements, the no-standalone-dealership-lease rule for #5 Vesper, and the Florida Statute 212.05 intercompany vehicle lease sales-tax exemption certificate (Form DR-13) between #6 Foundry and #7 Obsidian.

Gate 3 · 6-SUV Fleet Acquisition & Commercial Insurance (#6 Foundry + #7 Obsidian): Obtain written commercial auto/livery insurance binders for the Phase-1 3-vehicle launch fleet (and staged 2028 Vehicles #4–#6 expansion to 6 luxury vehicles), confirm Palm Beach/Broward/Miami-Dade TNC & FBO airport permits, and execute 4x10 chauffeur shift agreements.
Gate 4 · Shared CSR & Booking Launch ($51,840 Day-1 → $73,655 2029 Pool & 35-Account Route Diligence): Stand up the shared Customer Service Representative (CSR) dispatch & booking desk ($51,840 Day-1 base scaling to $73,655 2029 pool), inspect 24 months of Glean commercial route seller tax returns/deposits (<1.5%/mo churn), and run 30-to-60-day paid channel pilots.

How the 3-Column Readiness Board, 12 Strategic Goals & 36 Tactical Setup Tasks Work ▾

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, Staged Capital Cushion Reserve, Oct 2029 Flow Target). Tactical Setup Tasks (36) define the exact upfront actions needed in the beginning: entity formation across the 3 Legal LLCs, 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 staged capital reserve window, and specialty expansion gates.

3 · 6 WORK STATES & COMPLETION INTEGRITY

Clear Readiness Rules & Verified Evidence

Every item sits in one of 6 states: Backlogged (unscheduled/conditional queue), Planned (scheduled in Stage/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

1. View Mode:

2. Time Horizon:

3. Work Level:

4. Business / Lane:

Layer 3 Audit Drawer · Expand Recorded Modeling Deliverables & Real-World Execution Gates ▾

RECORDED MODELING & SITE EVIDENCE (COMPLETED DELIVERABLES)

Consolidated portfolio financial engine completed across all 10 business lines and Central Holding/Property (PORTFOLIO_ROLLUP.xlsx — 6-Tab Executive Owner Workbook), evaluating the Recommended Full 10-Brand Plan (<=$660k Self-Funded) under unified accounting rules.
Independent cross-model audit verified $0.00 consolidation identity discrepancy (sum(10 lines + Central) + ELIMINATIONS == CONSOLIDATED), 4x10 shift-floor savings (+$48,455.80), vehicle-specific 55% fare-share/burden payroll math, and exact C-Corp quarterly tax replay.
All customer-facing brand websites, the sample creator fan site (prism-creator-sample.pages.dev), and this portfolio guide are live on Cloudflare Pages with synchronized pricing and offers.

CRITICAL REAL-WORLD EXECUTION GATES (OPEN & BLOCKED)

Owner Rollout Lock (Recommended Full 10-Brand Plan): Confirm execution of the Recommended Full 10-Brand Plan (<=$660k Self-Funded) ($11,516,563 in 2029 revenue; $2,359,769 projected 2029 profit; $656,135 staged peak cash need = $3,865 ($7,763 w/ split fit-out) safety cushion inside the $660,000 starting pool; $2,128,863 ending cash).
CPA & ERISA Sign-Off: Formal review of the modeled C-Corp tax schedule, Florida Statute 212.05 intercompany lessor registration, and $330,000 Rollover for Business Startups (ROBS) retirement-rollover qualification.
Glean 35-Account Route Due Diligence: 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.