RetirePlusPlus — Executive Summary

Company Snapshot

RetirePlusPlus is the embedded, AI-native retirement-living platform that institutions use to engage, retain, and grow their aging members — a launch-ready operating system for the tens of millions of Americans in or near retirement, distributed through the institutions that already serve them.

RetirePlusPlus embeds its launch-ready platform into the member communities of large retirement institutions, and brings those institutions' products and services to RPP members. Distribution rides on the partner, so customer-acquisition cost collapses.

The Opportunity

For members

Retirement is the most complex life transition there is — fragmented across 5–8 disconnected tools for finances, health, Medicare, community, travel, and estate. No operating system coordinates them, and outcomes suffer.

For institutions (the buyer)

Recordkeepers, asset managers, insurers, and membership orgs 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 experience in-house takes years.

Why now

Roughly 10,000 Americans turn 65 every day through 2030 — the largest decumulation cohort in history is arriving now.
Institutions are shifting from accumulation-only to lifetime-income and member-engagement mandates, and are actively looking to buy or partner for a differentiated retiree experience.
AI agents can now deliver multi-domain, personalized guidance at a unit cost that makes a per-member agent economically viable.

$73B TAM Global retirement services & technology

$15B SAM US digital retirement platform market

$2.5B SOM Institutionally-distributed AI retirement-lifestyle segment

The Platform — Six Integrated Pillars

One integrated, launch-ready platform an institution can embed (white-label, co-brand, or SDK). Cross-pillar context is what makes the AI useful and the experience sticky.

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The B2B2C Wedge — Why CAC Collapses

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. The institution gets a modern retiree experience and engagement/retention lift; RPP gets near-zero-CAC distribution to millions of pre-qualified members.

Institutional Partner Recordkeeper · asset manager · insurer · advisor network · membership org

RetirePlusPlus Embedded retirement OS + a NEXUS AI agent per member (HealthHaven)

Member / Retiree Finances, health, community & lifestyle in one place — with a personal AI agent

CAC $48 per activated member via embedded distribution

Partners embed RPP to engage and retain their members; RPP surfaces partner products to its members. Each side makes the other more valuable — distribution and monetization compound.

Why CAC collapse is structural, not promotional

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Strategic Value to a Lead Investor

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.

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Business Model & Unit Economics

Partnership-led B2B2C: platform/PMPM + consumer premium + marketplace + HealthHaven + data

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$48 CAC per activated

$300 LTV per activated

6.3:1 LTV : CAC at Year 3

6.9 Mo. Payback

76% Gross Margin

LTV:CAC expands to 15.0:1 by Year 5 as marketplace attach and premium upsell raise LTV while channel CAC stays low. Per-activated-member basis. Illustrative — for discussion.

Traction

The story is “we built it, early signal is strong, and the partnership engine is the unlock” — led by platform readiness and pilot-stage proof, not user count.

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Illustrative — for discussion. Lead with platform readiness + pilot-stage proof + pipeline, not user count. Replace every figure with real data before sending to investors.

Team

Financial Highlights

Illustrative model sized to a — Series B at — / —. Not audited.
Metric	Year 1	Year 2	Year 3	Year 4	Year 5
Revenue	$2.3M	$11.5M	$35.6M	$85M	$171.2M
Gross Margin	70%	73%	76%	79%	81%
Activated Members	30K	—	324K	—	1,144K
EBITDA	($11.62M)	($10.78M)	$0.92M	$32.77M	$94.74M

EBITDA-positive in Year 3 on the base case. Illustrative — for discussion.

The Ask

Raising $30M Series B at a $120M pre-money valuation ($150M post, 20% to new investors). Lead target: the strategic / corporate venture arm of a retirement institution.

Use of funds

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Milestones to the next stage

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NEXUS & HealthHaven Supporting differentiator

NEXUS — a personal AI agent for every member, reasoning across finances, health, community, and lifestyle to surface the next best action.

HealthHaven — RPP's health & wellness pillar: unified records, providers, medication management, and wellness, backed by the linked healthhaven.ai business.

The thesis is embedded institutional distribution; NEXUS + HealthHaven make the embedded experience stickier and smarter — never the headline.

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