Questions,
answered.
What Marrow is, what it isn't, where your data lives, and what the assistant can actually do.
Getting started
What is Marrow?+
A household financial planning platform. It models ten wealth domains — portfolio, properties, business entities, equity compensation, debts, goals, the income plan, protection, estate, family — as one connected graph. Income planning, tax strategies, and an AI assistant all run against that complete model.
How is Marrow different from Mint, YNAB, or Personal Capital?+
Those tools track what is happening — Mint and YNAB on spending, Personal Capital on portfolio. Marrow models the entire household so you can plan what should happen. It is the only tool that treats LLCs with state-specific rules, equity compensation with vesting math, real estate with linked mortgages, and family beyond the household as first-class domains alongside the portfolio.
Do I need an account to use Marrow?+
Yes. Marrow runs against your household model in our database, so an account is required. Onboarding starts immediately after sign-up.
How long does onboarding take?+
Three minutes for the basics — household shape, members, filing status, state. Everything else (portfolio, properties, entities, equity, debts, goals, protection, estate, family, income plan) is optional and skippable; you can fill it in over time from the dashboard. The portfolio analyses light up as soon as you've added accounts and holdings.
Privacy & data
Where does my data live?+
In Marrow's Postgres database, encrypted at rest. Per-account isolation is enforced at the database layer — only you can see your household.
What happens when I use the AI assistant or strategy discovery?+
Your relevant household context is sent to Anthropic via OpenRouter for that single request only. It is not persisted upstream. Anthropic does not train on OpenRouter API traffic. Conversations are stored against your household.
Do you train AI models on my data?+
No. We do not train models. The providers we use (Anthropic, via OpenRouter) do not train on API traffic. This is committed both in their terms and in ours.
What happens if I delete my account?+
We hard-delete the data, not soft-delete it. We do not keep "for our records" copies. You can also export the full dataset to JSON before deleting, at any time.
Do you sell or share my data?+
No. We do not sell, share, or transfer your data to advertisers, brokers, or any third party other than the AI provider for the duration of a single request.
Capabilities
What can the AI assistant do?+
Ask about your plan in real terms. The assistant has your full household context loaded — members, accounts, holdings, goals, LLCs, strategy eligibility. It can search the web for current tax law and return cited answers. It runs the planning math against your data on the fly.
Are the tax strategies guaranteed to apply to me?+
No. Each play has eligibility criteria the system evaluates against your data, but final eligibility depends on facts the tool cannot verify. Always confirm with a CPA before acting.
Do you support business owners with LLCs?+
Yes — that is a first-class scenario. Marrow models LLC structures with state-specific rules, manager-LLC anonymity layering, S-Corp / C-Corp elections, and the proactive tax plays available to entity owners.
What does multi-household mean?+
One user can manage multiple households — your own plus your parents', for example. Each household is its own data namespace with its own members, accounts, goals, and analyses.
Trust & limits
Is this financial advice?+
No. Marrow is a planning tool. The output is structured analysis, not advice. We are not an SEC-registered investment advisor and are not licensed to provide individualized recommendations.
Should I use Marrow instead of a CPA?+
Use it alongside a CPA. The output of Marrow — particularly tax strategies and estate structure — should be confirmed by a qualified professional before acting. Marrow gets you to that conversation faster and better-prepared.
What is the one-line disclaimer?+
For discussion purposes only. Not financial, tax, or legal advice. Verify before acting.
Technical
What if I clear my browser?+
Nothing — your household data lives in our database, tied to your account. Clearing the browser just signs you out.
Can I import brokerage statements?+
Manual entry today. Statement import (PDF / CSV) is on the roadmap.
What devices does Marrow work on?+
Any modern browser. Desktop is the primary target since planning sessions benefit from screen real estate. Mobile works for viewing and quick edits.
Where is my data hosted?+
On our servers, encrypted at rest, in a North-America-hosted Postgres database. We do not replicate planning data outside the region you sign up from.
Not finding what you need?
The fastest answer is usually to set up a household and ask the assistant. It has your wealth model loaded and knows every domain top-to-bottom.
Set it up.
Run the brief.
Onboarding takes about ten minutes. The brief runs against your household model from there.
Start planning