diff --git a/docs/research/wealth_adjudicator_fourth_pass_audit_2026_06_28.md b/docs/research/wealth_adjudicator_fourth_pass_audit_2026_06_28.md
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@@ -0,0 +1,192 @@
+# Wealth Adjudicator Fourth-Pass Audit (2026-06-28)
+
+> 目标：把 `wealth_promise_strength` 从“单一路径强弱标签”推进到“带来源结构的 promise folding engine”。
+
+---
+
+## 1. 本轮核心变化
+
+前三轮我们已经完成：
+
+1. `public_wealth_status` 行为护栏
+2. `income_growth` 与 `public_wealth_status` 分流
+3. `dhana_yogas -> wealth_promise_strength` 自动折叠
+
+本轮继续往前走了一层：
+
+**`wealth_promise_strength` 不再只返回**
+
+- `level`
+- `count`
+
+而开始返回：
+
+- `primary_source`
+- `supporting_sources`
+- `source_diversity`
+
+当前输出结构变成：
+
+```json
+{
+  "level": "strong",
+  "primary_source": "dhana_lakshmi_hooks",
+  "supporting_sources": ["dhana", "lakshmi"],
+  "count": 2,
+  "source_diversity": 2
+}
+```
+
+---
+
+## 2. 为什么这一步重要
+
+用户此前指出了一个非常关键的工程问题：
+
+> “更多 = 更强”还不够，  
+> 还要区分“同一路径重复命中”与“多条独立财富路径共同命中”。
+
+这轮正是在解决这个问题。
+
+以前的 promise folding 更像：
+
+- 有强格局 / 没有强格局
+
+现在开始变成：
+
+- 财富承诺有多强
+- 它主要来自哪条路径
+- 是单一来源，还是多来源交叉支持
+
+这意味着我们第一次开始把“来源分散度”当成财富 promise 可信度的一部分。
+
+---
+
+## 3. 本轮回归边界
+
+### 3.1 纯 Dhana 路径
+
+输入：
+
+- 两条 `Dhana Yoga`
+- 无 `Lakshmi`
+
+当前自动折叠输出：
+
+```json
+{
+  "level": "strong",
+  "primary_source": "dhana_yogas",
+  "supporting_sources": ["dhana"],
+  "count": 2,
+  "source_diversity": 1
+}
+```
+
+### 3.2 Dhana + Lakshmi 双路径
+
+输入：
+
+- 一条 `Dhana Yoga`
+- 一条 `Lakshmi Yoga`
+
+当前自动折叠输出：
+
+```json
+{
+  "level": "strong",
+  "primary_source": "dhana_lakshmi_hooks",
+  "supporting_sources": ["dhana", "lakshmi"],
+  "count": 2,
+  "source_diversity": 2
+}
+```
+
+这个差别就是本轮真正新增的硬度。
+
+---
+
+## 4. 关键结论
+
+### 4.1 Promise folding 已从“有无强信号”进入“来源结构化”
+
+现在财富 promise 已经不只是一个粗粒度强弱值。
+
+它开始回答：
+
+- 是 `Dhana` 一路在说话
+- 还是 `Dhana + Lakshmi` 两路同时在说话
+
+这对后面做二级权重非常关键。
+
+### 4.2 `source_diversity` 比单纯 `count` 更值钱
+
+`count = 3` 不一定比 `count = 2` 更强。
+
+因为：
+
+- 3 条都来自 `Dhana`
+- 和 `Dhana + Lakshmi + Yogi` 三路各 1 条
+
+在解释可靠性上不是一回事。
+
+本轮把这个结构性差异正式落入了主链。
+
+### 4.3 这仍然是保守推进，不是一次性做胖
+
+本轮没有硬接完整 `Yogi` 系统。
+
+原因很明确：
+
+- 当前主链没有结构化的 Yogi 输出
+- 若强行接入，容易制造“看似高级、其实假结构”的问题
+
+所以本轮只把：
+
+- `Dhana`
+- `Lakshmi`
+
+两路先接实，并给 `Yogi` 留出下一轮的合理接入口。
+
+---
+
+## 5. 目前还没完成的部分
+
+1. `Yogi` 还没有进入自动 promise folding
+2. `primary_source` 目前仍是规则化字符串，不是更细颗粒的 source ranking
+3. `source_diversity` 还没有真正反馈到 finance judgement 权重
+4. `dominant label + secondary context` 仍未启动
+
+---
+
+## 6. 下一轮最值钱的动作
+
+在当前节奏下，下一轮最值得做的是：
+
+1. 给 `Yogi` 接入一个**轻量但真实**的 promise hook
+   - 不重建整套 Yogi 系统
+   - 只接可结构化、可验证的正向财富支持信号
+2. 让 `source_diversity` 真正进入二级权重
+3. 再决定是否需要从单标签推进到：
+   - `dominant label`
+   - `secondary context`
+
+---
+
+## 7. 本轮状态判断
+
+本轮可以诚实宣称：
+
+- 财富 adjudicator 已经不只会自动提取 promise 强弱
+- 它开始区分 promise 来源的分散度与结构
+- `Dhana` 与 `Lakshmi` 不再被揉成一个黑箱来源
+
+但还不能宣称：
+
+- `Yogi` 已正式进入自动 folding
+- `source_diversity` 已经回写到最终裁决权重
+
+更准确的说法是：
+
+> 财富 adjudicator 已进入“promise source folding”第四阶段，  
+> 开始从“自动提取强弱”升级到“自动提取来源结构”，这为后续真正的二级权重与多标签裁决打下了地基。
diff --git a/mcp_server.py b/mcp_server.py
index 7d288d74..54744d83 100644
--- a/mcp_server.py
+++ b/mcp_server.py
@@ -115,11 +115,18 @@ def _derive_wealth_promise_strength(modules: Dict[str, Any]) -> Optional[Dict[st
     if not isinstance(yogas, list) or not yogas:
         return None
 
-    strengths = [
-        str(row.get("strength", "")).lower()
-        for row in yogas
-        if isinstance(row, dict)
-    ]
+    strengths = []
+    sources = set()
+    for row in yogas:
+        if not isinstance(row, dict):
+            continue
+        strengths.append(str(row.get("strength", "")).lower())
+        row_type = str(row.get("type", "")).lower()
+        if "lakshmi" in row_type:
+            sources.add("lakshmi")
+        elif "dhana" in row_type:
+            sources.add("dhana")
+
     if any(level == "strong" for level in strengths):
         level = "strong"
     elif any(level == "moderate" for level in strengths):
@@ -127,10 +134,14 @@ def _derive_wealth_promise_strength(modules: Dict[str, Any]) -> Optional[Dict[st
     else:
         level = "weak"
 
+    supporting_sources = sorted(sources) or ["dhana"]
+    primary_source = "dhana_lakshmi_hooks" if len(supporting_sources) > 1 else "dhana_yogas"
     return {
         "level": level,
-        "source": "dhana_yogas",
+        "primary_source": primary_source,
+        "supporting_sources": supporting_sources,
         "count": len(yogas),
+        "source_diversity": len(supporting_sources),
     }
 
 
diff --git a/tests/test_mcp_strict_workflow_finance.py b/tests/test_mcp_strict_workflow_finance.py
index f8d9b080..0620ea01 100644
--- a/tests/test_mcp_strict_workflow_finance.py
+++ b/tests/test_mcp_strict_workflow_finance.py
@@ -113,9 +113,48 @@ def test_collect_strict_evidence_finance_derives_wealth_promise_from_dhana_yogas
     present = strict["present_evidence"]
     assert present["wealth_promise_strength"] == {
         "level": "strong",
-        "source": "dhana_yogas",
+        "primary_source": "dhana_yogas",
         "count": 2,
+        "source_diversity": 1,
+        "supporting_sources": ["dhana"],
     }
     assert strict["event_judgement"]["score"] == 100
     assert strict["event_judgement"]["verdict"] == "moderate_probability_window"
     assert strict["event_judgement"]["payout_label"] == "public_wealth_status"
+
+
+def test_collect_strict_evidence_finance_combines_dhana_and_lakshmi_hooks() -> None:
+    result = {
+        "modules": {
+            "varga_full": {"D2_Hora": {"summary": "ok"}, "D10_Dasamsa": {"summary": "ok"}},
+            "shadbala": {"planets": {"Venus": {"total_rupa": 8.2}}},
+            "ashtakavarga": {"house_scores": {"2": 31, "11": 36}},
+            "dasha": {"current_dasha": {"mahadasha": "Venus", "antardasha": "Mercury"}},
+            "narayana_dasha": {"current_dasha": {"sign": "Taurus", "lord": "Venus"}},
+            "dasa_convergence": {
+                "domain_activations": {
+                    "wealth_family": {"convergence_level": "L1", "probability": "+15-20%"},
+                    "gains_wishes": {"convergence_level": "L1", "probability": "+15-20%"},
+                    "career_status": {"convergence_level": "L1", "probability": "+15-20%"},
+                }
+            },
+            "yogas_doshas": {
+                "dhana_yogas": {
+                    "yogas": [
+                        {"type": "Dhana Yoga", "strength": "moderate"},
+                        {"type": "Lakshmi Yoga", "strength": "strong"},
+                    ],
+                    "summary": "Dhana/Lakshmi检测：共2个格局",
+                }
+            },
+        }
+    }
+
+    strict = _collect_strict_evidence("finance", result)
+    assert strict["present_evidence"]["wealth_promise_strength"] == {
+        "level": "strong",
+        "primary_source": "dhana_lakshmi_hooks",
+        "count": 2,
+        "source_diversity": 2,
+        "supporting_sources": ["dhana", "lakshmi"],
+    }