Ten domains.
One model.
Portfolio, properties, business entities, equity compensation, debts, goals, plan, protection, estate, family — every part of a household's wealth modeled as a first-class domain and linked into one graph. Net worth is honest because the model is complete.
Ten domains.
One household at the center.
The household sits at the center — members, filing status, state. Around it, ten domains: four asset classes that build net worth (portfolio, properties, entities, equity comp), one liability class (debts), one trajectory (the income plan), and four life layers (goals, protection, estate, family).
Portfolio
the investable core.
Accounts, holdings, sector exposure, blended yield, account-level tax treatment. The portfolio is the visible center of most households — Marrow models it in full detail, but treats it as one domain among many, not the whole story.
- All account types — taxable brokerage, IRAs, 401(k)s, HSAs, 529s, trusts
- Per-holding shares, market value, sector, dividend yield
- Tax treatment per account (taxable / tax-deferred / tax-free)
- Concentration flags by sector and single-holding weight
- Blended yield and total projected income
Properties
the real-estate book.
Real estate as a first-class asset, not a single line item. Primary residence, vacation homes, rentals, land, commercial — each with its own value, owner (member or LLC), linked mortgage, and cash flow. Equity is computed against the linked debt.
- Six property kinds — residence, vacation, rental, land, commercial, other
- Valuation methods — appraisal, comparables, online estimate, purchase, manual
- Owner can be a member or an LLC (rental-via-asset-protection pattern)
- Linked mortgage tracks principal, rate, payment, payoff date
- Monthly rent and expenses — net cash flow rolls into the dashboard
Entities
the LLC structure.
LLCs are modeled with ownership trees, manager-LLC anonymity layering, state-specific charging-order rules, and tax-election effects on strategy eligibility. Each entity can carry its own valuations over time so business value flows into net worth.
- Holding LLCs (asset protection — often WY or DE)
- Operating LLCs (S-Corp or C-Corp election)
- Real-estate LLCs (per-property segregation)
- Manager structures (LLC-managed-by-LLC for anonymity)
- Business valuations over time — book / DCF / multiples / appraisal
- 9 curated states: WY · DE · NV · NM · FL · TX · CA · NY · NJ
Equity Compensation
the employer-tied asset.
RSUs, ISOs, NSOs, ESPP, restricted stock. Vesting is calculated from grant date + cliff + cadence — the dashboard counts vested-and-unexercised shares at current FMV (or intrinsic value for options). The most-mishandled asset class for tech-job households, finally modeled.
- Six grant types — RSU, restricted stock, ISO, NSO, ESPP, SAR
- Cliff + monthly / quarterly / annual / single-cliff cadences
- Strike price and intrinsic-value math for ISO/NSO
- Exercised-share tracking — no double-counting
- Anticipated liquidity year for private-co grants
Debts
honest net worth.
Mortgages, HELOCs, student loans, auto loans, credit cards, margin, business and intra-family debt — all subtracted from assets so net worth is honest. Debt-service ratios surface alongside, and tax-deductible interest is flagged so it can feed into strategy.
- Twelve liability kinds across personal, real-estate, and business debt
- Principal, interest rate, monthly payment, payoff date
- Optional links to a secured account, LLC, or property
- Tax-deductibility flag — mortgage / HELOC / student / business
- Blended interest rate and debt-service coverage ratio
Goals
what you're saving toward.
Every household has goals that the income plan needs to absorb. Marrow tracks each one — funded versus projected, with the monthly contribution that closes the gap and the assumptions behind it.
- Retirement (coordinated with the income plan)
- Education (529s with account-ownership and beneficiary tracking)
- Home or property (down payment plus carrying cost)
- Gifting and charitable (annual exclusion, DAF, QCD)
- Family support (hiring family, dependents, custodial)
- Custom horizons (wedding, vehicle, sabbatical)
Income Plan
the forward trajectory.
Income target, horizon, inflation, return — the assumptions that drive every projection. Multiple scenarios per household are supported, so you can compare a base case to a retire-at-60 case, a 5%-inflation case, or any what-if you want to model.
- After-tax income target in real (inflation-adjusted) dollars
- Income-phase start year and plan horizon age
- Inflation and portfolio return assumptions
- Investment Policy Statement — target allocation + rebalance bands
- Multiple named scenarios per household — switch from /plan
- Snapshots capture net worth at each point in time
Protection
the downside layer.
Insurance is sized against the income plan, not against a rule of thumb. Term life replaces income years; permanent life supports estate planning; disability protects working-year income; long-term care protects assets past age 75; umbrella sits above home and auto.
- Term life — coverage versus income replacement need
- Permanent life — cash-value plus estate planning use
- Disability (STD and LTD) — income protection during working years
- Long-term care — asset protection past age 75
- Umbrella liability — layered above home and auto
Estate
what happens next.
Estate is a document inventory plus a beneficiary alignment exercise plus a gifting strategy. Marrow models all three in one place and links them to the accounts, entities, and people they reference.
- Wills — per member with executor and guardians
- Revocable trusts — funding status and successor trustee
- Irrevocable trusts — ILIT, GRAT, IDGT, SLAT
- POA and healthcare directives — powers, HIPAA, living will
- Beneficiary designations — per account, with conflict detection
- Gifting records — annual exclusion and lifetime exemption use
Family
the people, not just the household.
Children who've moved out, grandchildren, parents you support, charitable beneficiaries — all the people who matter for estate, gifting, and 529 planning but aren't part of the household itself. Modeled as first-class records so they can be linked into other domains.
- Ten relationship kinds — child, grandchild, parent, sibling, step-*, in-law, godchild, charitable beneficiary
- Dependent status for tax purposes
- DOB for age-driven planning (529 timing, gift exclusion, GST)
- Available as beneficiary targets across estate and goals
Tax Strategies
what runs on the model.
Tax strategies aren't a wealth domain — they're plays that run against the model. Eleven mainstream ones come pre-evaluated; AI discovery surfaces the rest scoped to your specific entities, grants, and income trajectory.
See the strategy engineModel the whole household.
Not just the portfolio.
Every domain shares one data model — properties link to mortgages, equity grants vest under members, LLCs hold accounts, beneficiaries connect to estate documents. Set it up once; everything else compounds.