Draft · pending trio ratification. Companion to HIFP-investment-memo-v4 draft-02. Distribution restricted pending SAFE-sizing formal ratification + Fatima bio finalization.
The insight window is 12–24 months.
02 · 10
The gap
Biomarkers moved into consumer life. Financial planning didn't notice.
350K
Function Health membersBiomarker labs went consumer
$700M
Neko Health raiseFull-body scans at retail
S-1
Aura/Oura filed 2026Wearable-longevity to public markets
→
1
Number for everyoneLife-expectancy average that traditional retirement planning still uses
0
Planning toolsThat read your biomarkers, wearables, and household data continuously
7
Employees at LumiantThe v1 "competitor" — distressed mid-2026, category un-defended
The intersection between biomarker signal and household financial-planning decision has no incumbent worth naming today — and a 12–24 month window before post-IPO consumer-longevity moves up-stack.
HIFP · Walking Deck v4Category whitespace.
03 · 10
The greenspace
Every adjacent player owns one axis. HIFP owns the intersection.
Health data at consumer scale. No planning surface.
Financial wellness
Origin · BrightPlan · SmartDollar
No biomarker signal. Annual recompute against averages.
Concierge medicine
MDVIP · One Medical Premium · EHG
Physician access at premium. No planning integration.
Advisor tech
eMoney · RightCapital · Orion
Advisor-facing. No consumer surface. No biomarker signal.
HIFP · Walking Deck v4The greenspace is the whole thesis.
04 · 10
The product
Three primitives. One continuously-updating household plan.
Dual-surface consumer platform — AI-native at the user layer, actuarial under the hood. Household aggregation is first-class. Physician and advisor in the loop where advice-shaped output would occur.
◆
Planning Agent
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 · OpenAI GPT-5 fallback
≈
Plan-Delta Monitor
Continuous surveillance across health + financial signals: biomarker · wearable · EHR · credit score · financial background · employment · HENRY-segment markers. On material shift → "three decisions worth revisiting."
Never a specific recommendation. Always a decision reframe.
HIFP · Walking Deck v4Working end-to-end on mocked data since 2026-09-12.
05 · 10
Four-lane GTM · ratified 2026-09-11
Four lanes. One product. Diversified from Day 1.
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.
Sindhu on record 2026-09-11: "I am fine with those four areas." Benefits-consultant channel (Gallagher / Marsh / Aon) added as partnership-first framing — competitive/complementary/partner/different, not either-or.
HIFP · Walking Deck v4Y3 base-case mix. Full derivation in GTM Tier Strategy v0.4 §5.
06 · 10
The founding trio
Each founder retires one of four otherwise-fatal DD questions.
Not standard three-founder team-page casting. Functionally MECE across the four DD questions Series A investors ask health-tech / consumer-AI companies.
FP
Dr. Fatima Paruk, MD
CEO (prospective)
Senior health-leadership at Oracle. Formerly SVP & CHO Salesforce Global H&LS · McKinsey Clinical CoE · Microsoft H&LS CMIO · Allscripts CMO. Active AARP + longevity / quality-of-life specialty.
Closes
Health-strategic distribution · CEO gravitas · F500 CHRO + regulatory-counsel network · AARP + elderly-longevity positioning credibility.
SP
Dr. Sindhu Pandit, MD MBA
CCO · Concept originator
VP, Clinical Product Strategy at Hyro. Formerly Clinical Leader at Salesforce Global H&LS. MD physiatrist, MBA SMU. Conceived the biomarker-informed planning thesis end-to-end.
75+ years combined of startup, entrepreneurial, healthcare, and technology experience. Plus a formalized advisor board via SAFE proceeds — legal (Karen) · financial (Cathy Lanning archetype) · actuarial · operator (Romi Chopra) · investor-shape early advisors (Julie Yu, James Lakes, Frisk Cressy, Tara Bishop) · consent-model (Kristen Valdes / b.well).
HIFP · Walking Deck v4MECE across the four DD questions.
07 · 10
What's live · pre-SAFE
Three demoable persona surfaces. Working end-to-end on mocked data.
Deployed 2026-09-11; v4-alignment updates shipped 2026-09-12. Cloudflare Access; NDA-only allowlist. Not a screenshot deck — a running Next 14 app across three GTM lanes.
User · Consumer surface/
D2C household plan
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 categories · Planning Assistant · share-with-advisor · household · billing.
T2b lane · D2C demo
Practice · Physician view/practice
Concierge cohort dashboard
Cohort metrics (n=5 min anonymized) · signal trends · individual-consent-gated patient list · SMART-on-FHIR integration status · practice-branded advisor briefs · cross-persona link to employer view.
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.
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.
Data-scope architecture + contractual firewall + reshape from "insurance partner" to Coverage Navigator. The structural refusal to route data toward carrier underwriting is the moat.
Structural · trust-brand
3
Chain-partner integration depth
SMART-on-FHIR integrations with T2a Concierge chains. Once installed at chain level, switching cost is high — practice-branded briefs, cohort dashboards, member consent flows.
Chain-1 pilot Weeks 7-8
4
User-primacy trust posture
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.
Business-model exclusion
Three-mind pressure test in flight. Legal + financial + actuarial advisors (advisors-via-SAFE-round posture) engaged to stress-test moats to Sindhu's "defensible in court" standard before Series A pitch.
HIFP · Walking Deck v4The moats architecture is built. The pressure test is next.
09 · 10
The ask
SAFE seed at $15M cap post-money.
$500K bump from prior $2.0M / $1.5M funds specifically the 3rd founding engineer + HIPAA infrastructure baseline from Day 1 + Epic sandbox + advisor-board budget. Cap unchanged; organic-fallback preserved.
$2.5M
$2.0MFloor
$2.5MTarget
$15MCap post-money
Directionally adopted 2026-09-11 (Sindhu + Fatima trio); formal ratification pending. Series A follow-on $7–9M targeted Q1–Q2 2027.