{
    "success": true,
    "data": {
        "items": [
            {
                "tierId": "bronze",
                "portfolioId": "mmf-stability-pool",
                "allocationPercent": 55,
                "rationale": "Build contribution habit with liquidity and lower volatility."
            },
            {
                "tierId": "bronze",
                "portfolioId": "treasury-bills-ladder",
                "allocationPercent": 35,
                "rationale": "Introduce government-backed discipline."
            },
            {
                "tierId": "bronze",
                "portfolioId": "gold-growth-club",
                "allocationPercent": 10,
                "rationale": "Small growth sleeve."
            },
            {
                "tierId": "silver",
                "portfolioId": "mmf-stability-pool",
                "allocationPercent": 35,
                "rationale": "Keep stable liquidity while accelerating growth."
            },
            {
                "tierId": "silver",
                "portfolioId": "treasury-bills-ladder",
                "allocationPercent": 40,
                "rationale": "Core income ladder."
            },
            {
                "tierId": "silver",
                "portfolioId": "gold-growth-club",
                "allocationPercent": 25,
                "rationale": "Growth sleeve."
            },
            {
                "tierId": "gold",
                "portfolioId": "gold-growth-club",
                "allocationPercent": 35,
                "rationale": "Growth leadership portfolio."
            },
            {
                "tierId": "gold",
                "portfolioId": "treasury-bills-ladder",
                "allocationPercent": 30,
                "rationale": "Income and stability anchor."
            },
            {
                "tierId": "gold",
                "portfolioId": "mmf-stability-pool",
                "allocationPercent": 25,
                "rationale": "Liquidity and capital preservation."
            },
            {
                "tierId": "gold",
                "portfolioId": "real-estate-income-reserve",
                "allocationPercent": 10,
                "rationale": "Watchlist income opportunity pending committee review."
            },
            {
                "tierId": "platinum",
                "portfolioId": "gold-growth-club",
                "allocationPercent": 30,
                "rationale": "Legacy growth exposure."
            },
            {
                "tierId": "platinum",
                "portfolioId": "treasury-bills-ladder",
                "allocationPercent": 30,
                "rationale": "Treasury income base."
            },
            {
                "tierId": "platinum",
                "portfolioId": "mmf-stability-pool",
                "allocationPercent": 20,
                "rationale": "Liquidity reserve."
            },
            {
                "tierId": "platinum",
                "portfolioId": "real-estate-income-reserve",
                "allocationPercent": 20,
                "rationale": "Long-term income reserve once approved."
            }
        ],
        "count": 14
    }
}