Confidential — For Authorized Recipients Only
· May 2026
The Problem
Retirement breaks down for members — and for the institutions that serve them
For members
Fragmented across 5–8 disconnected tools
—
For institutions (the buyer)
They win accumulation, but lose the member at decumulation
—
Rollover & asset leakage, weak post-retirement engagement, and fintech entrants courting the same members — with no modern, AI-native experience they can ship quickly.
Why Now
Three forces converge on the embedded retirement layer
Demographic
~10,000 Americans turn 65 every day through ~2030 — the largest decumulation cohort in history.
Channel readiness
Institutions are shifting to lifetime-income & member-engagement mandates and are looking to buy or partner.
Technology
AI agents now deliver multi-domain personalized guidance at a unit cost that makes a per-member agent viable.
The Platform
An integrated, launch-ready retirement operating system
An integrated platform across pillars, delivered as a member experience an institution can embed (white-label / co-brand / SDK + APIs), plus a direct consumer surface.
The six pillars + HealthHaven + the NEXUS agent layer are built, not slideware.
The Wedge
B2B2C embedded distribution
RPP wins by becoming the embedded retirement-living layer inside institutions' existing member relationships — near-zero-CAC distribution to millions of pre-qualified members.
Embeds & co-brands RPP; funds the member seatEngagement, retention, asset retention, attach
RetirePlusPlusEmbedded retirement OS + a NEXUS agent per member
Finances, health, community, lifestyle + a personal AI agentEngagement, consented data, premium upgrades
Member / RetireeFinances, health, community & lifestyle in one place
CAC collapses via embedded distribution
An institutional partner embeds and co-brands RetirePlusPlus for its members and funds the member seat.
RetirePlusPlus returns engagement, retention, asset retention, NPS, data insight and product attach to the institution.
Members receive one place for finances, health, community and lifestyle, with a personal NEXUS AI agent.
Members return engagement, consented data and premium upgrades; partner products are surfaced with consent. Each side compounds the other, so customer-acquisition cost collapses.
Partners embed RPP to engage and retain their members; RPP surfaces partner products to its members. Each side makes the other more valuable.
Why CAC Collapses
Growth rides the partner, not ad spend
D2C contrast baseline
~$150
Illustrative direct-acquisition cost per 55+ user
B2B2C effective CAC
$48
Per activated member (Year 3 model) — ~3–4x lower
Audience is pre-aggregated & pre-qualified — the partner's members are exactly RPP's ICP.
Trust transfers from a known institution, lifting activation and conversion.
Funded distribution: partners subsidize the member seat, so paid spend per member trends toward zero.
For an institution like yours, RetirePlusPlus is two investments in one: a commercial partnership that lifts engagement, retention and product attach, 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.
Partnership Motion
Tiered segments, paid pilots, phased rollout
From pilot to rollout
partner.com / member portal
Embedded · white-label
RetirePlusPlus
A NEXUS agent + 6 pillars inside the partner's branded member experience.
Co-branded embed, white-label, or SDK/API — the same multi-tenant platform. Toggle to see partner products surfaced inside RPP.
Illustrative partner categories — names and logos shown upon NDA. No partner is presented as signed.
Moat & Flywheel
Four reinforcing layers of defensibility
More partners → more embedded members → richer cross-pillar data + marketplace supply → smarter NEXUS agents & better outcomes → stronger engagement/retention for partners → more partners.
Competitive Landscape
Partner, don't compete — and beat the internal build
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.
How RetirePlusPlus relates to each category. Illustrative — for discussion.
Category
Who
Gap RPP fills
RPP relationship
Supporting Differentiator
NEXUS: a personal AI agent for every member — powered by an integrated health pillar
NEXUSagent / member
Financial Planning
HealthHaven
Community
Lifestyle & Travel
Marketplace
HealthHaven — backed by healthhaven.ai — gives NEXUS the health context finance-only tools don't have.
A per-member agent reasoning across all pillars.
HealthHaven + healthhaven.ai add the health dimension incumbents can't easily build.
Consented, privacy-by-design, human-in-the-loop on high-stakes guidance.
Supporting differentiator. The thesis is embedded institutional distribution; NEXUS + HealthHaven make the embedded experience stickier and smarter.
Launch-Ready
This is a bet on distribution — not on whether we can build it
Multi-tenant architecture live (tenant isolation shipped) — embed/white-label is real today.
SSO / magic-link / tiered access live (the investor portal already runs it).
The six pillars + HealthHaven + the NEXUS agent layer are built, not slideware.
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.
Traction
Platform readiness, early signal, and a partnership engine
Lead with platform readiness + pilot-stage proof + pipeline, not user count.
Member & revenue momentum (illustrative, 8 quarters)
Illustrative — for discussion. Replace with real cohort data before sharing.
Illustrative growth metrics by quarter
Series
Q1
Q4
Q8
Activated members (K)
6
30
126
Paid members (K)
0.6
3
15.1
MRR ($K)
70
290
960
Activated members (K)
Paid members (K)
MRR ($K)
Platform: 6 pillars + HealthHaven + NEXUS live and launch-ready; multi-tenant embedding shipped (verifiable).
Pilot pipeline: institutional conversations and active pilots (illustrative placeholders — no institution named as signed).
Illustrative — for discussion
Business Model
PMPM + marketplace rev-share + premium
Unit economics — CAC vs LTV (per activated member, Year 3 model)
Illustrative — for discussion.
Unit economics (illustrative, per activated member)