Multimodal large language models (MLLMs) have shown remarkable capabilities in cross-modal understanding and reasoning, offering new opportunities for intelligent assistive systems, yet existing systems still struggle with risk-aware planning, user personalization, and grounding language plans into executable skills in cluttered homes. We introduce MARS - a Multi-Agent Robotic System powered by MLLMs for assistive intelligence and designed for smart home robots supporting people with disabilities. The system integrates four agents: a visual perception agent for extracting semantic and spatial features from environment images, a risk assessment agent for identifying and prioritizing hazards, a planning agent for generating executable action sequences, and an evaluation agent for iterative optimization. By combining multimodal perception with hierarchical multi-agent decision-making, the framework enables adaptive, risk-aware, and personalized assistance in dynamic indoor environments. Experiments on multiple datasets demonstrate the superior overall performance of the proposed system in risk-aware planning and coordinated multi-agent execution compared with state-of-the-art multimodal models. The proposed approach also highlights the potential of collaborative AI for practical assistive scenarios and provides a generalizable methodology for deploying MLLM-enabled multi-agent systems in real-world environments.

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