Run your household
like a desk.
Ten wealth domains in one model. Multi-scenario income planning. Proactive tax strategies. A web-grounded assistant.
Ten domains.
One model.
One household.
Most households are run on intuition.
The best are run like a desk.
An advisor desk doesn't guess. It models the whole picture — every account, property, entity, grant, debt, goal, and document — and plans against it. Marrow gives you the same model, locally, for your household.
Ten domains.
One model.
Portfolio, properties, business entities, equity compensation, debts, goals, protection, estate, family, and the income plan itself — each modeled as a first-class domain, linked into one graph. Net worth is honest because the model is complete.
Tour the wealth modelFive analyses.
Run in order.
Once the wealth model is in place, five structured analyses run in sequence to produce the income plan — each consuming the prior tier's outputs. Diagnose the portfolio, architect the tax structure, lay out the income, validate every holding, then review on a cadence. Across any number of scenarios.
Curated catalog.
AI for the long tail.
Mainstream plays a sharp CPA would mention — pre-evaluated against your specific household: entities, equity grants, properties, income trajectory.
For the obscure plays — searches IRC, recent legislation, and state opportunities scoped to your entities.
Ask about your plan
in real terms.
A persistent chat panel that sees the entire wealth model — accounts, properties, entities, equity grants, debts, scenarios, family. Web-grounded answers via Claude Sonnet 4.6. Citations inline. Conversations persist locally.
Yes — your FL operating LLC qualifies. Under IRC §280A(g), you can rent your personal residence to your business for up to 14 days per year and exclude all rental income from taxable income.
Required: legitimate business purpose, three fair-market quotes, documented meeting agendas, and a 1099-MISC issued by the LLC. At $1,000/day fair-market rate, that's up to $14,000 tax-free with a corresponding deduction at the LLC level.
Running the trade-off against your spend ceiling and goal funding…
Yes — adding $650/month per child ($1,300/month total) toward 529s closes both gaps by age 18 without delaying your retirement date. The new spend ceiling drops by $2,400/yr in real terms, which your projected income covers with $5,900/yr of buffer remaining.
Set it up once.
Run the brief whenever.
Onboarding builds the model: members, plan assumptions, accounts, holdings, LLCs, properties, debts, policies, goals. After that, the analyses, the assistant, and the quarterly review all run against one connected household graph.
Onboard
Ten minutes through a guided form or an AI chat. Either path writes the same household graph behind the scenes.
- Account-based, encrypted at rest
- JSON export anytime
- Delete your account whenever
- Edit and re-run forever
Use
Income planning, tax strategy, drawdown modeling, holding safety, the quarterly review, and an AI assistant — all running against your full household model.
- Sync across devices
- Encrypted at rest
- Same privacy commitments
- Advisor sharing, mobile (soon)
Privacy by default.
These are not features; they are guarantees we will not walk back.
Your data is yours.
01Export, transfer, or delete it whenever. We make leaving as easy as starting.
We don't train on your data.
02Your household, plan, holdings, and conversations are not used to train any model.
We don't sell or share.
03No partner ad networks, no data brokers, no third-party analytics on your planning data.
No ads. Ever.
04Marrow is funded by accounts. The product is your plan, not your attention.
Encrypted at rest.
05Household data is stored in Postgres with per-account isolation enforced at the database layer.
AI context is scoped and ephemeral.
06Each assistant turn includes only the household context needed for that request. Nothing is persisted upstream by providers.
Set it up.
Run the brief.
Onboarding takes about ten minutes. Create an account and the brief runs against your household model from there.