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RetirePlusPlus

CONFIDENTIAL — Illustrative & For-Discussion Only — For Authorized Recipients Only

Investor Self-Education

Everything a VC needs — read, search, learn, invest. No meetings required.

Read the thesis, search the FAQ, follow the process end-to-end, and request the data room — on your own time, before any call.

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Type to search across the FAQ, the thesis & GTM narrative, and every investor page. The FAQ below filters live as you type.

The Process

How to invest — step by step

A clear path from reading these materials to closing. Diligence runs primarily through the data room and the live model; a live Q&A is available but optional.

How to invest: the process The investment process in six steps that an investor can complete largely self-directed. Step one, review the materials — the landing page, pitch deck, executive summary, business plan and this learn hub. Step two, request data-room access, which is granted under a non-disclosure agreement. Step three, run diligence through the data room and the live interactive financial model. Step four, an optional introduction and question-and-answer session — optional because the materials are designed to answer most questions without a meeting. Step five, the term sheet. Step six, close and wire. The path is designed so a VC can read, search, learn and invest without meetings. How to invest Designed so you can read → search → learn → invest — largely without meetings 1 Review materials Landing, deck, exec summary, business plan & this Learn hub. 2 Request data-room Access granted under NDA via the investor portal. 3 Diligence Data room + the live interactive financial model. 4 Intro / Q&A OPTIONAL Materials answer most questions without a meeting. 5 Term sheet Series B preferred; 1x non-part., pro-rata; commercial side letter. 6 Close & wire Counsel confirms docs; funds close. Welcome aboard. Self-directed by design — request access any time; the optional call is yours to skip. Illustrative process — not a binding offer
The investment process, end to end. Illustrative — for discussion.

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Indicate Interest

Thank you for reviewing the materials.

How would you like to proceed? Everything below is non-binding and self-serve — pick the path that fits.

Express interest Tell us you're interested and roughly how much you're considering — a light first signal. Submit an Indication of Interest A non-binding IOI: amount, instrument, timeline, and accreditation — the standard next step. Soft-circle a commitment Indicate a soft-circle amount toward the round (still non-binding) to help us size the syndicate. Request data-room access Create an investor account; after a short approval and an NDA you receive tiered access to the full data room. Ask a question / request a call Optional — the materials are designed to answer most questions without a meeting.

Non-binding. Not an offer to sell or a solicitation of an offer to buy securities. No funds are collected here.

How It Works

The business, in seven diagrams

The thesis at a glance: two-sided distribution, the partner funnel, how we make money, the platform, the moat, where the capital goes, and how you invest. Every figure is theme-aware and built for screen readers.

  • B2B2C two-sided distribution loop A two-sided value loop with three nodes. On the left, the Institutional Partner — a recordkeeper, asset manager, insurer, advisor network or membership organization. In the centre, RetirePlusPlus, the embedded retirement operating system with a NEXUS AI agent per member. On the right, the Member or Retiree. The institution embeds and co-brands RetirePlusPlus and funds the member seat; RetirePlusPlus returns engagement, retention, asset retention, NPS, data insight and product attach. RetirePlusPlus gives the member finances, health, community and lifestyle in one place with a personal AI agent; the member returns engagement, consented data and premium upgrades. Partner products are surfaced to the member with consent. Each side makes the other more valuable, so distribution and monetization compound. The two-sided loop Each side makes the other more valuable — distribution and monetization compound Embeds & co-brands · funds the seat Engagement · retention · attach · NPS One place + a personal AI agent Engagement · consented data · premium Partner products surfaced with member consent Institutional Partner Recordkeeper · asset mgr insurer · advisor · org RetirePlusPlus Embedded retirement OS + a NEXUS AI agent per member HealthHaven · NEXUS Member / Retiree Finances · health community · lifestyle Illustrative — for discussion
    Two-sided distribution. Partners embed RPP to engage and retain their members; RPP surfaces partner products to its members.
  • Partnership funnel: pilot to rollout A five-stage partnership workflow that progresses left to right. Stage one, Discovery and strategic alignment with the executive, corporate-development and venture-arm teams, framing the double fit. Stage two, a paid pilot on a bounded member cohort that starts in weeks because the platform is launch-ready, with success metrics defined up front. Stage three, readout and business case, measuring activation, engagement, NPS, attach and retention against the pilot targets to reach an expansion decision. Stage four, phased rollout across the partner's book with co-marketing and product attach turned on. Stage five, deepening — more pillars, more products, deeper integration and a multi-year contract that creates high switching costs. As stages advance, acquisition cost per member falls and switching cost rises. Pilot → rollout partnership funnel Launch-ready means paid pilots start in weeks, not after a multi-year build 1 Discovery Strategic alignment Exec + corp-dev + the venture arm. Frame the double-fit. 2 Paid pilot Bounded cohort One plan, region or community. Starts in weeks; KPIs set up front. 3 Readout Business case Activation, NPS, attach, retention vs targets → expansion call. 4 Rollout Phased rollout Across the partner's book. Co-marketing; attach turned on. 5 Deepening Multi-year lock More pillars, products, deeper integration → high switching cost. Acquisition cost / member ↓ falls Switching cost / stickiness ↑ rises Each stage de-risks the next; expansion is earned on measured pilot KPIs, then locked by integration depth. Illustrative — for discussion
    Pilot to rollout. Discovery → paid pilot → readout → phased rollout → deepening — launch-ready means pilots start in weeks, not after a build.
  • Revenue model: five streams into platform revenue Five revenue streams converge into total platform revenue. One, the partnership platform and per-member-per-month fee — predictable, high-margin SaaS-like revenue from partners. Two, consumer premium subscriptions from members who upgrade for advanced planning and NEXUS features. Three, marketplace and embedded-finance revenue share on partner products attached with consent and suitability gating. Four, HealthHaven and NEXUS attach, the health and AI add-on. Five, partner insights and benchmarking, a consented, privacy-by-design data product. The first three are the core streams; all five combine into total platform revenue. Each is recurring or recurring-like, and marketplace and premium attach raise lifetime value while channel acquisition cost stays low. Five revenue streams → platform revenue Recurring partner fees + consumer premium + attach, compounding as members and partners grow 1 · Partnership platform & PMPM Per-member-per-month / per-seat — SaaS-like, high margin 2 · Consumer premium subscriptions Members upgrade for advanced NEXUS / planning 3 · Marketplace & product attach Revenue share on attached products — consent + suitability 4 · HealthHaven / NEXUS attach Health & AI add-on — the supporting differentiator 5 · Partner insights & benchmarking Consented, privacy-by-design data product Total Platform revenue Streams 1–3 are the core; 4–5 deepen attach and margin. Illustrative — see the live model for figures
    Revenue model. Partnership-led B2B2C: platform / PMPM + consumer premium + marketplace + HealthHaven + data.
  • Platform architecture: embed, SSO, multi-tenant, NEXUS and HealthHaven A layered platform architecture in four tiers. The top tier is institutional partners. They connect through the embed and integration layer, which provides single sign-on and magic-link access, white-label and co-brand theming, an embedded SDK plus APIs, and multi-tenant isolation with row-level-security tenant separation that is shipped today. Below that is the RetirePlusPlus platform: six product pillars — financial planning, health and wellness via HealthHaven, community, lifestyle and travel, and a vetted marketplace — sitting on a NEXUS AI agent layer that gives every member a personal agent reasoning across all pillars, all on a compliant, secure data foundation with a content-security-policy-strict frontend, security headers, consent gating and privacy-by-design. The bottom tier is members and retirees, each reached through their partner's branded experience. The architecture is launch-ready: embedding, single sign-on, tiered access and the compliance plumbing already exist. Launch-ready, multi-tenant platform architecture Embed · SSO · white-label · multi-tenant (RLS) — built and shipping today, not slideware Institutional partners Recordkeepers · asset managers · insurers · health plans · advisor networks · membership orgs EMBED & INTEGRATION LAYER SSO & magic-link tiered, rate-limited access White-label / co-brand partner theming Embedded SDK + APIs commerce rails integrated Multi-tenant · RLS tenant isolation shipped RETIREPLUSPLUS PLATFORM Financial planning HealthHaven health & wellness Community Lifestyle & travel Marketplace Embedded finance NEXUS AI agent layer — a personal agent per member, reasoning across every pillar Compliant, secure data foundation — CSP-strict frontend · security headers · CSRF · consent gating · PHI guards · privacy-by-design Members / retirees Reached inside their partner's trusted, branded experience — finances, health, community & lifestyle in one place Illustrative — for discussion
    Platform & architecture. Embeddable, multi-tenant, SSO-ready — the six pillars plus HealthHaven and a NEXUS agent per member. Built, not slideware.
  • Moat flywheel: the compounding loop A self-reinforcing flywheel of five stages turning clockwise. More partners lead to more embedded members. More members produce richer cross-pillar consented data and more marketplace product supply. That makes the NEXUS AI agents smarter and member outcomes better. Better outcomes drive stronger engagement and retention for partners — including asset and rollover retention. Stronger partner results attract more partners, and the loop repeats, compounding. The centre notes the moat: two-sided network effects, a consented data flywheel and switching costs that rise once a partner is embedded. The moat flywheel Each turn compounds distribution, data and switching cost — the loop gets harder to break THE MOAT Network effects · consented data flywheel · switching costs once embedded 1 More partners 2 More embedded members 3 Richer data + marketplace supply 4 Smarter NEXUS + better outcomes 5 Stronger engagement & retention …stronger partner results attract the next partner → repeat. Illustrative — for discussion
    Moat & flywheel. More partners → more embedded members → richer data → smarter agents → stronger retention → more partners.
  • Use of the 30 million dollar Series B How the thirty-million-dollar Series B is allocated across five categories, shown as a single proportional bar. Forty percent, twelve million dollars, to partnership go-to-market and institutional sales — the primary use, funding the distribution engine. Thirty percent, nine million dollars, to product and platform engineering. Fifteen percent, four and a half million dollars, to HealthHaven and AI / NEXUS expansion. Ten percent, three million dollars, to compliance, security and data infrastructure. Five percent, one and a half million dollars, to general and administrative and working capital. The allocation is weighted to distribution, reflecting the thesis that the platform is built and the round funds embedded institutional reach. Use of funds — $30M Series B Weighted to distribution: the platform is built; this round funds embedded institutional reach 40% 30% 15% 40% · $12M Partnership GTM & institutional sales 30% · $9M Product & platform engineering 15% · $4.5M HealthHaven & AI / NEXUS expansion 10% · $3M Compliance, security & data infra 5% · $1.5M G&A & working capital Total round: $30M · $120M pre / $150M post Illustrative — for discussion
    Use of funds. Where the $30M goes — weighted to partnership GTM and product. Illustrative — for discussion.
  • How to invest: the process The investment process in six steps that an investor can complete largely self-directed. Step one, review the materials — the landing page, pitch deck, executive summary, business plan and this learn hub. Step two, request data-room access, which is granted under a non-disclosure agreement. Step three, run diligence through the data room and the live interactive financial model. Step four, an optional introduction and question-and-answer session — optional because the materials are designed to answer most questions without a meeting. Step five, the term sheet. Step six, close and wire. The path is designed so a VC can read, search, learn and invest without meetings. How to invest Designed so you can read → search → learn → invest — largely without meetings 1 Review materials Landing, deck, exec summary, business plan & this Learn hub. 2 Request data-room Access granted under NDA via the investor portal. 3 Diligence Data room + the live interactive financial model. 4 Intro / Q&A OPTIONAL Materials answer most questions without a meeting. 5 Term sheet Series B preferred; 1x non-part., pro-rata; commercial side letter. 6 Close & wire Counsel confirms docs; funds close. Welcome aboard. Self-directed by design — request access any time; the optional call is yours to skip. Illustrative process — not a binding offer
    How to invest. The path from reading this to closing — see the steps above.

FAQ

Frequently asked questions

Comprehensive answers on thesis, market, model, unit economics, partnerships, competition, the platform, team, financials, terms, risks, and how to invest. Process and terms are accurate; every figure is illustrative and no partner is presented as signed.

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Ready when you are

Read, searched, learned — now invest.

A commercial partnership that lifts engagement, retention, and product attach, plus an equity position in the platform that becomes the retirement engagement layer for the industry. The partnership de-risks the equity; the equity aligns the partnership.

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All materials are illustrative and for discussion only. Not an offer to sell or a solicitation to buy any security. No partner is presented as signed.