MARROW
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The income-plan engine

Five analyses.
Run in order.

Once your wealth model is in place, five structured analyses run in sequence to produce the income plan. Each tier consumes the outputs of the one before it — the plan emerges from the sequence, not from any single analysis.

The flow

What each tier passes
to the next.

Tier 101
Portfolio Foundation
OutputsTarget portfolio design
Tier 202
Financial Architecture
OutputsSpend ceiling + Roth ladder + tax plan
Tier 303
Income Execution
OutputsTwelve-month income calendar
Tier 404
Holding Validation
OutputsPer-holding safety verdicts
Tier 505
Ongoing Review
OutputsQuarterly tax-aware trade list
T01Tier 1

Portfolio Foundation
the bedrock.

Tier 1 diagnoses the portfolio against the inflation-adjusted income objective. It analyzes sector concentration, dividend safety, geographic exposure, and asset-class diversification. The output is a verdict — Strong, Adequate, Weak, or Critical — plus a multi-year glide path from your current portfolio to the optimized target. No forced sales. No tax shocks.

Inputs needed
  • Holdings list per account
  • Target real income at retirement
  • Risk tolerance
  • Time horizon
What you get
  • Scorecard verdict across 8 dimensions
  • Sector exposure vs target bands
  • 12-dimension dividend safety per holding
  • Specific add / reduce / replace actions
  • Multi-year glide path with milestones
T02Tier 2

Financial Architecture
the engine room.

Tier 2 architects the tax-optimal structure around the portfolio. It decides which assets sit in taxable, tax-deferred, and tax-free accounts. It plans the Roth conversion ladder under OBBBA brackets. It coordinates RMDs at age 73. It computes the maximum sustainable real withdrawal rate that survives to horizon. And it surfaces tax-loss harvesting opportunities with wash-sale tracking.

Inputs needed
  • Account types and balances
  • Income sources by year
  • Filing status
  • Each member's age
What you get
  • Asset location plan (taxable / Roth / traditional)
  • Year-by-year Roth conversion ladder
  • Maximum real spend ceiling
  • Bucket strategy allocation
  • Tax-loss harvesting trade list with replacements
T03Tier 3

Income Execution
the cadence.

Tier 3 translates the strategy into a smooth month-by-month dividend calendar. It identifies months where current holdings underdeliver. It suggests filler tickers per quarterly cycle to even out the cash flow. It models monthly-pay ETF alternatives as a simpler path for households that want predictable income.

Inputs needed
  • Holdings with payment frequencies
  • Target monthly real spend
What you get
  • Monthly income ladder
  • Gap analysis — months under target
  • Filler ticker recommendations by cycle
  • Monthly-ETF alternative portfolio
T04Tier 4

Holding Validation
the verdict.

Tier 4 evaluates any specific holding on demand. It runs a 12-dimension safety scorecard, a 10-signal yield-trap detection algorithm, EPS history analysis, dividend cut probability modeling, and recession survival simulation. The output is a clear Buy / Hold / Trim / Sell verdict with the reasoning attached.

Inputs needed
  • Ticker symbol
What you get
  • Safety score 0–100 across 12 dimensions
  • Yield trap signals (10 indicators)
  • 10-year EPS + dividend history
  • Dividend cut probability estimate
  • Recession survival rating
  • Buy / Hold / Trim / Sell verdict
T05Tier 5

Ongoing Review
the loop.

Tier 5 is the quarterly check-in. It compares actuals to plan. It detects drift against IPS bands. It generates a tax-aware rebalance trade list with lots selected to minimize realized gains while respecting wash-sale windows. It flags holdings whose fundamentals deteriorated. The output is a prioritized action list — what to do this quarter, what to monitor.

Inputs needed
  • Updated account values
  • Last quarter's plan
  • Current target allocations and IPS bands
What you get
  • Actual vs projected comparison
  • Drift report against IPS bands
  • Rebalance trade list with tax impact per lot
  • Holdings flagged for review with reasons
  • Prioritized action list
Principles

Why it is structured
this way.

Sequential, not parallel.
Each tier consumes the outputs of the one before it. The plan emerges from the sequence — not from any single analysis.
Real dollars, always.
Every figure is in today's purchasing power. Nominal equivalents are surfaced for tax math, never as the headline number.
Tax-aware throughout.
Asset location, Roth window, RMD coordination, lot selection, wash-sale tracking — built in at every tier, not bolted on.
OBBBA permanence.
The 2025 law made the TCJA brackets permanent and locked in QBI, the SALT cap, and a senior bonus deduction. Every model reflects this.
Next: the strategy engine

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