A financial concierge married to a medicine concierge — one plan, two experts, built around you.
Function has 350K members. Neko is raising at $700M. Aura/Oura filed its S-1. HNW consumers now generate biomarker data continuously — and no one has built the layer that turns that data into planning decisions the household can act on.
Origin, BrightPlan, SmartDollar — planning tools with no biomarker signal. Recompute annually against averages.
Function, Neko, Superpower — health signal at consumer scale. No planning surface. Data lives in inbox.
Genivity/Lumiant distressed at 7 employees mid-2026. Category is unclaimed. 12–24 month window before post-IPO consumer-longevity moves up-stack.
Every adjacent player owns one axis — health signal on one side, wealth planning on the other. The intersection itself is currently unclaimed at scale. That's the greenspace HIFP is architected for.
Biomarker + wearable + EHR + credit + employment → household plan. AI-native · physician + advisor in-the-loop · consumer-trust posture.
Signal source at consumer scale. No planning surface. Post-IPO up-stack risk (slide 12).
Planning-side. No biomarker signal. Annual recompute against population averages.
Physician access + clinical data at premium. No planning integration.
Advisor-facing tools. No consumer surface. No biomarker signal.
HIFP is a dual-surface consumer platform — AI-native at the user layer, actuarial under the hood. Household aggregation is first-class. Physician and advisor are in the loop where advice-shaped output would occur.
Scoped tool-use LLM agent that runs stratified planning scenarios against household inputs. Every response passes an Advice-Boundary Classifier before render. Anthropic Fable 5.1 primary; OpenAI GPT-5 fallback.
Continuous surveillance of health and financial signals: biomarker · wearable · EHR · credit score · financial background · employment · HENRY-segment markers. On material trajectory shift → "three decisions worth revisiting." Never a specific recommendation, always a decision reframe.
User-side advocacy surface. Portability warnings on benefits transition · coverage-gap identification across household + employer + Medicare · comparative-quote question prompts. Explicitly not fiduciary, not carrier data channel.
hifp-poc.pages.dev. Three demoable persona surfaces (User · Physician · Employer benefits-admin). Access-controlled; NDA-only.
Any competitor with an LLM API can ship a v0.1. The four moats below each protect a distinct part of the architecture, IP-independently. Estimated replication time for a well-funded copyist: 12–18 months.
Model-output classifier + Boundary-Integrity mechanic + Ethical Framework enforcement. Copyist must independently reason through classifier design, adversarial test corpus, physician-in-loop mechanic. Whitepaper publication IP-gated by provisional filings.
Data-scope architecture + contractual firewall + category reshape from "insurance partner" to Coverage Navigator. The structural refusal to route data toward carrier underwriting is the moat. Trust-brand posture most copyists will fumble.
SMART-on-FHIR integrations with T2a Concierge chains (MDVIP · One Medical Premium · EHG · PartnerMD). Once installed at chain level, switching cost is high — practice-branded advisor briefs, cohort dashboards, member consent flows.
Delete-forever, consent-scoped, underwriting-firewall-enforced, auditable. Every consent event, every AI response, every share event visible to the user. Copyists whose business model requires data monetization cannot ship this.
T1-only would produce 55% top-5 concentration and enterprise-SaaS multiples. The four-lane mix drops top-5 concentration to ~25%, smooths quarterly growth, and unlocks consumer-platform multiples at Series B/C.
| Lane | Buyer | Live in POC | Y3 revenue mix (base) |
|---|---|---|---|
| T1 · Employer — self-insured; Salesforce-shape | CHRO / benefits committee | /employer benefits-admin dashboard | ~63% |
| T2a · Concierge active-direct — MDVIP / One Medical Premium / EHG / PartnerMD | Practice management | /practice cohort dashboard + chain-1 pilot | ~16% |
| T2b · Partner-channel D2C — Consumer-Wellness Partnerships (biomarker · wearable · concierge-adj · telehealth) | Direct consumer via partner ecosystem | Landing + signup + user-app surfaces | ~13% |
| T3 · Employer-overflow — broker / exec-perk / voluntary-benefit | Overflow inbound from T1 conversations | Home upsell paths + Stripe billing live | ~8% |
"I am fine with those four areas, right? For now." — trio ratification of four-lane structure.
Broker ecosystems already run health-and-wealth-bucket offerings. HIFP posture: competitive/complementary/partner/different framing (see slide 12). Adds to T1 candidate list.
Three consistently-computed cases per GTM Tier Strategy v0.4 §5 methodology. Each case applies same PMPM assumption across all four lanes; account counts held constant; PMPM assumption varies.
Full derivation in HIFP-gtm-tier-strategy-v0.4 §5. Downside case assumes lower PMPM realization + slower T2b partner ramp; base case assumes signed chain-1 + first PEO deal within SAFE window; premium case assumes multi-chain by month 18 + Aura-shape partner licensing revenue online.
Not standard three-founder team-page casting. Functionally MECE across the four DD questions Series A investors ask health-tech / consumer-AI companies. 75+ years of combined startup, entrepreneurial, healthcare, and tech.
Exact title + bio phrasing pending Fatima input (P0 blocker; single-Slack-message to close).
Currently senior health-leadership at Oracle. Formerly SVP & CHO Salesforce Global H&LS · McKinsey Clinical CoE lead · Microsoft H&LS CMIO · Allscripts CMO. Active AARP involvement + longevity / quality-of-life planning specialty.
Closes: health-strategic distribution · CEO gravitas · F500 CHRO + regulatory-counsel relationships · AARP + elderly-longevity positioning credibility.
VP, Clinical Product Strategy at Hyro. Formerly Clinical Leader at Salesforce Global H&LS. MD physiatrist, MBA SMU. Concept originator.
Closes: clinical concept validity · physician-community access · concept-to-clinical-validation execution · Ethical Framework authorship.
Director, Partner Innovation Engineering at Salesforce · Agentforce Partner Innovation Lab lead. Dual Salesforce Certified Architect (System + Application) + AI Associate. 2× founder-operator with exits (iNetEvents 1999→2004 · Wine Spies 2007→2012).
Closes: regulated-consumer-AI ship credibility · chain-side technical integration · prior-startup operating history + commercial exits.
Formalized 2026-09-12. Advisors funded through SAFE proceeds implement Fatima's three-mind pressure-test framework as advisor-board scoping. Closes Sindhu's "defensible in court" moats-strengthening ask without requiring a fourth co-founder or full-time hire.
Status: in flight. Sindhu texted 2026-09-11 to schedule coffee. Sequence: coffee → briefing → GC intro. Alya sequenced second-line.
Sindhu-proposed 2026-09-11 as answer to the wealth-management-expertise gap. Same-shape asset as Fatima's HLS role, opposite domain. Outreach sequenced post-Karen coffee → NDA.
Actuary contact from 2026-09-04. Placeholder per 2026-09-07 alignment; final identification owed with actuarial-hire criterion.
Fatima seeing at Dreamforce week of 2026-09-14. Healthcare-operator archetype; potential investor-shape as well.
Investor-shape early advisors: Julie Yu (a16z Bio+Health, Katie intro) · James Lakes (diversity of investments) · Frisk Cressy (James Lakes intro) · Tara Bishop (Hyro-portfolio conflict flagged, waved off by Fatima). Consent-model expert: Kristen Valdes (b.well founder — dual-angle: consultation + partnership contingent on funding).
hifp-poc.pages.dev.Deployed 2026-09-11; v4-alignment updates shipped 2026-09-12. Cloudflare Access; NDA-only allowlist. Working end-to-end on mocked data — not a screenshot deck.
Landing (dual-concierge tagline · employer-first trust band · AARP archetype) · Signup (5 tiers) · MFA · Consent onboarding · Home dashboard · Plan view with health + financial Plan-Delta signal categories · Planning Assistant · Share-with-advisor · Household · Billing · Settings.
/practiceCohort dashboard · anonymized signal trends (min n=5) · individual-consent-gated patient list · SMART-on-FHIR integration status · practice-branded advisor briefs · cross-persona link to employer view.
/employerBenefits-admin cohort dashboard · self-insured metrics · family-attach take-rate · HENRY leverage flag · AARP-age quality-of-life segment · underwriting-firewall callout · Gallagher/Marsh/Aon benefits-consultant channel positioning.
What this proves at pre-SAFE stage: the trio can ship. Three demoable persona surfaces across three GTM lanes, deployed with authentication + hosting + version control + operations documentation, in the weeks preceding this deck.
MVP scope locked: concept-proof + T2a chain-1 pilot + one clinical-import path proven end-to-end on test data. Series-A milestone locked: multi-chain HIPAA-hosted production + banking-tier security. Clean ladder, no over-promise.
| Weeks | Focus | Milestone |
|---|---|---|
| 1–2 | Founding-eng #1 onboard · AWS BAA + HIPAA infrastructure baseline · Karen legal-gate follow-through | Eng environment ready · HIPAA infra baseline live (test data) |
| 3–4 | Onboarding + consent hardening from POC pattern · Brandon full-time · Fatima chain-1 conversations open | Auditable consent working end-to-end · chain-1 pilot conversations initiated |
| 5–6 | Founding-eng #2 onboard · Oura + Empower integrations · b.well individual-access as clinical fallback · Founding-eng #3 hire criterion decided | Two integrations live · fallback path stood up |
| 7–8 | Chain-1 SMART-on-FHIR integration · Week 8 hard sequencing decision on chain-1 | Chain-1 signature yes/no explicit gate |
| 9–10 | Plan-view + Plan-Delta scenario (sell-home-at-70) · financial-signal ingestion (credit + employment + HENRY) | One scenario runnable with real test data · financial signals integrated |
| 11–12 | Planning Assistant + canned response library + boundary classifier · Sindhu review-cycle | Assistant answers 40+ questions, all guarded |
| 13 | Employer + Practice persona production hardening · trust surface (export + delete) | Employer + Practice demoable at production quality |
| 14–15 | Share-view · Stripe billing production · mobile-responsive polish · analytics · investor-shareable URL deploy | External URL live · testing protocol ready · NDA scaffolding operational |
| 16 | User testing kickoff (5–10 HNW 55+ testers) · investor conversations open under NDA | First 3 sessions recorded · first 3 investor conversations initiated |
Full plan in HIFP-build-engineering-plan-v4 (supersedes v0.1 timeline-compression cut-sheet + hustle plan). Three-engineer founding bench (Brandon + FE#1 HIPAA-fluent + FE#2 full-stack + FE#3 hire-criterion-decided-Week-6). Nine named commitments required at SAFE close.
HIFP surfaces and prices risk explicitly, per the a16z Julie Yoo criterion: "the vast majority of what we index on is the founder, and how deeply they've thought through what could go right and wrong."
| Risk | Status | Mitigation summary |
|---|---|---|
| T20 · Reverse-judo underwriting | RESOLVED | A+B+C adopted 2026-09-07: data-scope architecture + contractual firewall + Coverage-Navigator reshape. Standing insurance-data-outbound veto. |
| T3 · Frontier-LLM AUP exposure | PASS-strong | Anthropic AUP direct-verified 2026-09-08. HITL + AI-disclosure requirements satisfied natively via Advice-Boundary Classifier. Karen briefing final gate. |
| Regulatory (federal + state + zip) | PARTIAL | Three-tier frame adopted. HIPAA + GINA + WA MHMDA + IL GIPA + FL HB 1189 + NAIC AI Bulletin largely VERIFIED. Karen briefing gates final PASS. |
| Concentration + sales-cycle lumpiness | RESOLVED | Four-lane GTM (see slide 6). Top-5 concentration to ~25%; Q/Q smoothed by T2a + T2b + T3. |
| Aura/Oura post-IPO up-stack | ACTIVE | Three-layer: architectural (not replicable by acquisition) · positioning (Aura as T2b P1 channel partner) · optionality (Aura-as-data-source fallback if up-stack anyway). |
| Gallagher/Marsh/Aon second vector | ACTIVE | Competitive/complementary/partner/different framing. Partnership-first posture through Karen briefing → NDA → broker conversation sequence. |
| Founder-contingency (2-of-3 scenarios) | DOCUMENTED | Founder Contingency Analysis v0.1 models scenarios with new-CEO network-recovery lever. Advisor-only fallback locked. |
| Sindhu IP-assignment / Hyro moonlighting | ACTIVE | Four-layer: Karen employment-agreement input + IP counsel inventorship opinion + provisional filings identify inventor chain + transition-earlier optionality. |
Directionally adopted 2026-09-11 (Sindhu + Fatima trio; formal ratification pending as of this draft). $500K bump from prior $2.0M/$1.5M funds specifically the 3rd founding engineer + HIPAA infrastructure baseline from Day 1 + Epic sandbox access + advisor-board budget. Cap unchanged; organic-fallback preserved.
| Category | Allocation |
|---|---|
| Founder living-standard floor (3 × $250K/yr + insurance) | ~$500K annualized |
| Founding engineering (3-eng bench — Brandon + FE#1 HIPAA-fluent + FE#2 full-stack + FE#3) | ~$500K |
| HIPAA infrastructure baseline from Day 1 (AWS BAA + HITRUST-adjacent + Epic sandbox) | ~$150K |
| Karen briefing + IP counsel + provisionals + NDA infrastructure | $50–75K |
| Advisor-board budget (advisors-via-SAFE posture) | ~$100–200K |
| Founder-network market-signal lunches + travel + benefits-consultant scoping | $25K |
| SaaS / infrastructure (AWS · Anthropic Claude API · Stripe billing) | $50–75K |
| Reserve for Series A pitch cycle + clinical adjudication | ~$100K |
Series A follow-on: $7–9M targeted Q1–Q2 2027, led by health/longevity-strategic investor. AI-forward generalist as parallel warm-lane. Both lanes' warm-intro paths sequenced by Fatima post-Karen general-counsel gate.
The insight window is 12–24 months. Post-Aura/Oura IPO, the biomarker-informed-planning intersection will not remain unmapped. Trio has built the moats architecture, ratified the four-lane GTM, deployed a demoable POC across three personas, locked the MVP scope with a clean Series-A ladder, and formalized the advisor-board approach that closes the moats-strengthening pressure test.
Aura/Oura S-1 filed. Function 350K members. Neko $700M raise. Genivity/Lumiant distressed. Category is un-defended today. Post-IPO capitalization will change that in 12–24 months.
Advice-Boundary + Coverage-Navigator/Underwriting-Firewall + chain-partner integration depth + user-primacy trust posture. Copyist replication time 12–18 months.
Regulated-consumer-AI ship (Brandon) · concierge chain buyer access (Fatima) · clinical concept validity (Sindhu) · risk-thinking discipline (T20 A+B+C precedent).
$500K funds 3rd engineer + HIPAA infra + advisors — NOT scope expansion. $2M vs. $3M+ is the practical raise-difficulty line at current valuation estimates. Ladders cleanly to Series A milestone.
Companion artifacts: HIFP-POV-v4 (strategic canonical) · HIFP-investment-memo-v4 draft-02 (this deck's companion) · HIFP-gtm-tier-strategy-v0.4 (four-lane GTM analytical spine) · HIFP-build-engineering-plan-v4 (16-week MVP + Series-A ladder) · HIFP-general-counsel-briefing-v0.1 (regulatory + IP posture) · HIFP-poc-hosting-runbook-v1 (live POC operations). NDA-only pending Karen general-counsel briefing.