Legal Entity Map

McKnight Opportunity Group · P0 Foundation

Who owns what. Who signs what.

The structural blueprint that must exist on paper before a single site launches, a single client signs, or a single dollar flows. Every arrow needs a signed intercompany agreement — no handshake deals inside a family of brands.

⚠ This document is a template — not legal advice. All entity structures, ownership decisions, tax elections, and intercompany agreements must be reviewed and executed by qualified counsel and a CPA before adoption. Nothing here should be treated as final until entity formation and formal opinions are on file.

1 · Ownership Tree

Draft · pending counsel

00 · Parent

McKnight Opportunity Group

Holdings / Management · TBD entity type

OwnerDr. McKnight

Formation—

EIN—

01 · Operator

The Contracting Preacher

Federal consulting · LLC recommended

SignerDr. McKnight

SAM UEI—

InsE&O + GL

02 · Nonprofit

McKnight Housing Initiative

501(c)(3) · Separate governance required

BoardMin 3 independent

IRS letter—

InsD&O + GL

03 · Operator

McKnight Capital Ready

Credit/funding · LLC · state bonds by lane

SignerDr. McKnight

AttorneyRequired

InsProf Liability

04 · Software IP

McKnight MortgageOS

Wholly owned by MOG · DE C-Corp option

IPAssigned to entity

CounselMortgage-specific

InsCyber + E&O

05 · Software IP

McKnight GrowthOS

Wholly owned by MOG

IPAssigned

SignerDr. McKnight

InsCyber + E&O

06 · Operator

McKnight Freight Systems

Transportation LLC · USDOT + MC required

SignerDr. McKnight

USDOT—

InsBI/PD + Cargo

07 · Operator

McKnight FleetWorks

Repair · LLC · Garage liability required

SignerDr. McKnight

Facility—

InsGarage + WC

08 · Operator

McKnight Early Learning Academy

Licensed childcare · Separate entity strongly recommended

LicenseChildcare

Provider #—

InsProf + GL + AL

09 · Software IP

McKnight LearningOS

Wholly owned by MOG · COPPA review required

IPAssigned

CounselCOPPA / minors

InsCyber + E&O

2 · Authority Matrix

Per-entity permissions

Who can bind which entity to what. Fill this in as counsel confirms.

Entity	Sign Clients	Sign Vendors	Bank Signer	Employs Staff	Owns Software IP	Files Taxes
McKnight Opportunity GroupParent / Holdings	—	✓ (shared services)	Dr. McKnight	✓ (admin)	✓ (all)	Yes
The Contracting PreacherFederal consulting	✓	✓	Dr. McKnight	Contractors	—	Yes (own)
McKnight Housing InitiativeNonprofit	✓ (grants)	✓	Board approved	Employees	—	Yes (990)
McKnight Capital ReadyCredit / funding	✓ (regulated)	✓	Dr. McKnight	W-2 + 1099	—	Yes
McKnight MortgageOSSoftware	✓ (SaaS)	✓	Dr. McKnight	Contractors	✓	Yes
McKnight GrowthOSSoftware	✓ (SaaS)	✓	Dr. McKnight	Contractors	✓	Yes
McKnight Freight SystemsTransportation	✓ (shippers/brokers)	✓ (drivers/factors)	Dr. McKnight	Drivers	—	Yes
McKnight FleetWorksRepair	✓ (fleet + retail)	✓ (parts)	Dr. McKnight	Techs (W-2)	—	Yes
Early Learning AcademyChildcare	✓ (families)	✓	Dr. McKnight	Staff (W-2)	—	Yes
McKnight LearningOSSoftware	✓ (SaaS)	✓	Dr. McKnight	Contractors	✓	Yes

3 · Intercompany Agreements

Required · pre-launch

Every value flowing between related entities needs a signed agreement so the IRS, auditors, and courts see clean lines.

Agreement · Type A

Management Services Agreement

MOG provides shared admin, brand, marketing, and back-office to each operator. Operator pays MOG a documented management fee.

MOG ↔ every operator

Agreement · Type B

IP License Agreement

MortgageOS / GrowthOS / LearningOS retain IP; other operators license the software under documented terms with defined fees.

Software IPCos ↔ operators

Agreement · Type C

Referral / Cross-Sell Agreement

Formal referral fees between operators (e.g., TCP → Capital Ready → MortgageOS). Documented percentages, disclosed to clients.

Operator ↔ operator

Agreement · Type D

Sublease / Facilities Agreement

Any shared physical space needs a documented sublease with fair-market rent so no entity subsidizes another off-books.

Space-owner ↔ occupying entities

Agreement · Type E

Employee/Contractor Assignment

Which entity actually employs each person, and how time gets allocated across entities they support (with proper W-2/1099).

Employer ↔ employee ↔ served entities

Agreement · Type F

Nonprofit Firewall

McKnight Housing Initiative operates under strict independence — no private inurement, board-approved arms-length dealings only.

MHI ↔ all for-profit entities