RetirePlusPlus
The embedded, AI-native retirement-living platform institutions use to engage, retain, and grow their aging members.
Illustrative — for discussion Internally consistent model sized to a $30M Series B at $120M pre / $150M post. Not audited.
Executive Summary
RetirePlusPlus is the embedded retirement-living platform that large retirement institutions use to engage, retain, and grow their aging members. We deliver a launch-ready, AI-native operating system across financial planning, health & wellness, community, and lifestyle — distributed through the institutions that already serve the $73B-market retiree population, rather than acquired one consumer at a time.
The thesis is B2B2C institutional distribution. Recordkeepers, asset managers, insurers, advisor networks, and membership organizations win the accumulation relationship but lose the member at decumulation. RetirePlusPlus gives them a modern, embeddable retiree experience — and, in return, gets near-zero-CAC distribution to millions of pre-qualified members plus a two-sided marketplace where partner products are surfaced to members with consent. Growth rides the partner channel, so customer-acquisition cost collapses.
Investment Highlights
- Institutional distribution collapses CAC. Effective CAC of $48 per activated member (Year 3 model) — narrowing to ~$34 at scale (Year 5) — vs. an illustrative D2C contrast of ~$150; growth rides partners, not ad spend.
- The strategic double-fit. The same institution can be both a distribution partner and an equity holder — the partnership de-risks the equity; the equity aligns the partnership.
- Launch-ready, de-risked platform. Multi-tenant embedding, SSO, and a HIPAA-adjacent security posture are shipped — paid pilots start in weeks, not after a multi-year build.
- Efficient, expanding unit economics. LTV:CAC of 6.3x at Year 3 with 76% gross margin and a 6.9-month payback.
Company Overview
Mission
To empower retirees with AI-driven tools and community connections that make every day of retirement fulfilling, healthy, and financially secure.
Vision
To become the embedded retirement-lifestyle layer for the world's largest retirement institutions, serving 100M+ members.
The Platform Pillars
An integrated, launch-ready platform — delivered as a member experience an institution can embed (white-label, co-brand, or embedded SDK + APIs), plus a direct consumer surface.
Milestones
Illustrative — for discussion
Problem Statement
Retirement is a two-sided problem — and no operating system coordinates either side.
For members
Retirement is the most complex life transition there is, fragmented across 5–8 disconnected tools (finances, health, Medicare, community, travel, estate). No operating system coordinates them.
For institutions (the buyer)
Retirement institutions win the accumulation relationship but lose the member at decumulation — facing rollover/asset leakage, weak post-retirement engagement, and fintech entrants courting the same members. Building a modern, AI-native, multi-domain experience in-house is a multi-year effort they are structurally slow to execute.
Why now
Solution
An integrated, launch-ready platform across pillars — Financial Planning, Health & Wellness (HealthHaven), Community, Lifestyle & Travel, an AI layer (NEXUS agents), and a vetted Marketplace — delivered as a member experience an institution can embed.
The platform is delivered three ways, on one core system: co-branded embed inside a partner's app and SSO; a fully partner-branded white-label instance; or an embedded SDK that drops RPP modules into the partner's existing surfaces. Each member gets a personal AI agent.
NEXUS, a personal AI agent for every member, sits at the center and reasons across the platform pillars — Financial Planning, Health & Wellness (HealthHaven), Community, Lifestyle, and Marketplace — powered by healthhaven.ai.
NEXUS — a personal AI agent for every member, reasoning across finances, health, community, and lifestyle to surface the next best action.
Supporting differentiator, not the headline. HealthHaven — RPP's health & wellness pillar: unified records, providers, medication management, and wellness, backed by the linked healthhaven.ai business.
Market Analysis
The retirement-services and retirement-technology market is being reshaped by the largest decumulation cohort in history arriving now, institutions shifting to lifetime-income and member-engagement mandates, and AI that makes a per-member agent economically viable.
Market Size
Market sizing: total addressable market, serviceable addressable market, and serviceable obtainable market, shown in the figures below.
Illustrative — for discussion
Demand drivers
The institutional / partner market
RPP's reachable market is not bought one consumer at a time — it is the aggregate member base of its partners. A single T1 anchor (a national recordkeeper or AARP-class membership org) puts millions of pre-qualified members within reach through one integration. Illustratively, the model targets 9M reachable members and 324K activated members by Year 3.
Product & Technology
This is not a bet on whether we can build it. It's built. This is a bet on distribution — and we've architected for exactly the embedded, multi-tenant, compliant distribution this round funds.
Launch-ready & de-risked (shipped, verifiable)
Integration surface
- Identity / SSO: OIDC/SAML, partner IdP federation.
- Multi-tenancy: per-partner tenant isolation (tenant_id throughout; RLS tenant indexes; deny-all fallback policies) — shipped, not roadmap.
- Data connectivity: financial aggregation, recordkeeping/positions feeds, health data (FHIR/HL7, CMS Blue Button), wearables.
- Product attach: partner product catalog surfaced via the marketplace with consent + suitability gating.
- Theming & reporting: token-based white-label theming; partner admin analytics (engagement, adoption, attach, outcomes).
- Embedded commerce: SHARED_ECOMMERCE rails integrated (gated); GDPR data export shipped.
Business Model
Partnership-led B2B2C: platform/PMPM + consumer premium + marketplace + HealthHaven + data
Revenue streams
Partnership deal economics
Unit economics
Illustrative — for discussion Per-activated-member basis at Year 3.
Illustrative — for discussion
Partnership & Distribution Strategy
RetirePlusPlus does not win by out-spending incumbents on direct-to-consumer acquisition. It wins by becoming the embedded retirement-living layer inside institutions' existing member relationships.
- Institutional partners (recordkeepers, asset managers, insurers, advisor networks, membership orgs) embed and co-brand RetirePlusPlus for their members and fund the member seat.
- In return, RetirePlusPlus delivers engagement, retention, asset retention, NPS uplift, data insight, and product attach back to the institution.
- RetirePlusPlus gives members one place for finances, health, community, and lifestyle, plus a personal NEXUS AI agent.
- Members return engagement, consented data, and premium upgrades. Each side makes the other more valuable, so distribution and monetization compound and acquisition cost falls.
Target partner segments
Illustrative partner categories — names and logos shown upon NDA. No partner is presented as signed.
| Tier | Segment | Why them | Reach / deal |
|---|
Why CAC collapses
When members arrive through an institutional channel, RPP's cost per activated member falls to a fraction of D2C: ~$34–$48 per activated member at scale vs. an illustrative D2C contrast of ~$150 — ~3–4x lower than direct acquisition. It is structural, not promotional:
The strategic double-fit
For an institution like yours, RetirePlusPlus is two investments in one: a commercial partnership that lifts engagement, retention, and product attach across your existing members, and an equity position in the platform that becomes the retirement engagement layer for the whole industry. The partnership de-risks the equity; the equity aligns the partnership.
The strategic case for a retirement-institution venture arm
Pilot → rollout motion
Competitive Analysis
We don't compete with the institutions for the member — we make the institution win the member. We compete with the slow internal build and the point solutions that can't span the whole retirement life.
| Category | What they do | Gap RPP fills | RPP relationship |
|---|
The moat
Why not just build it?
Building this in-house means a multi-domain (fintech + healthtech + community + AI) effort, multi-year time-to-market, scarce talent, and a single-institution tool that can't aggregate multiple partners' products and members the way a neutral platform can. Partnering is faster, cheaper, and strategically optional.
Traction & Milestones
The story is: we built it, early signal is strong, and the partnership engine is the unlock — not "we already have millions of users."
Illustrative — for discussion. Lead with platform readiness + pilot-stage proof + pipeline, not user count. Replace every figure with real data before sending to investors.
Growth metrics (illustrative)
Illustrative — for discussion
Financial Projections
Illustrative — for discussion Internally consistent model sized to a $30M Series B. Not audited.
5-Year Revenue & Operating Costs
Income statement summary
Key operating metrics
Capitalization
The Series B raises $30M at $120M pre / $150M post, issuing 4,541,354 new shares at $6.606 per share — 20.0% to new investors. The option pool is refreshed to 13.5% post-money (refreshed).
Illustrative — for discussion Final share price, new-share count, and exact post-round percentages to be confirmed by counsel.
Ownership: pre vs post round
Pre-round cap table
Post-round cap table
Team
A founding team with deep domain expertise across retirement services, AI/ML, and B2B2C partnership distribution.
Investment Thesis
RPP wins not by out-spending incumbents on direct-to-consumer acquisition, but by becoming the embedded retirement-living layer inside institutions' existing member relationships.
What a strategic lead unlocks
A strategic lead brings credibility, the first anchor distribution channel, regulatory/compliance muscle, and product supply for the marketplace — the relationship is bidirectional, and RPP is selecting for the right lead, not just the highest valuation.
Why us, why now
The flywheel
More partners → more embedded members → richer cross-pillar data + marketplace supply → smarter NEXUS agents & better outcomes → stronger engagement/retention for partners → more partners.
The RetirePlusPlus compounding loop
Risks & Mitigations
We name the hard ones first. A sophisticated strategic will probe each of these in diligence.
The Ask
Series B: $30M
At a $120M Pre-Money valuation ($150M Post-Money), 20% to new investors. Series B Convertible Preferred; 1x Non-Participating. Lead: Strategic / corporate venture arm (e.g., TIAA Ventures-type).
Use of funds
Burn & runway
Illustrative — for discussion Runway: 18 months
Milestones to the next stage
Appendix
Supporting diligence materials are available in the data room to approved investors. Model assumptions & to-confirm items are tracked on the placeholder manifest.
Model assumptions & to-confirm
Every projection and traction figure in this plan is illustrative. The following are founder-replace placeholders before sending to investors:
Thank you for reviewing the materials.
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