HIFP

The market opportunity — three converging inflections

$185K

Fidelity 2026 per-retiree healthcare estimate — one number, applied to everyone

$124T

US wealth held by Americans 55+ — the segment where planning error compounds most

100K+

Function Health paying members at $499/yr, $2.5B Series B — biomarker data at consumer scale

340K

MDVIP patients alone — HNW individuals with existing biomarker + physician-trust relationship

Where HIFP sits in the stack

Upstream

Biomarker + wearable + clinical data

Function · Superpower · HLI
Oura · Apple Health · Galleri
Concierge EHR/lab feeds

→

Turns biomarker data into personalized planning parameters — delivered through a bounded planning agent, physician-endorsed.

→

Downstream

Financial decisions

Advisor · via share-with-incumbent
Physician · via cohort dashboard
Insurer · via Y3 Variant B

Four product pillars, one connective AI layer

1 · Biomarker-Native Risk Model

ASA-LTC-led model with published stratified back-tests on LTC-onset window + cognitive-decline threshold + care-episode probability.

2 · Planning Translation + Agent

Bounded, tool-use planning agent that surfaces Monte Carlo output as parameters through deterministic template rendering.

3 · Consumer Surface (4 tiers, 2 fronts)

Longevity Snapshot (free) · Plan Core · Plan Premium · Concierge-embedded. D2C freemium and concierge chain in parallel from Day 1.

4 · Trust-First + Advice-Boundary

Six enforceable contractual commitments plus a published Advice-Boundary Architecture that gates every AI-generated output.

The consumer funnel — four tiers engineered for freemium conversion

Longevity Snapshot · Free forever

Self-report + 1 biomarker upload · 5 planning-agent Q&A/mo · curated directory · market-share moat

Plan Core · $9–19/mo

Full biomarker + wearable integration · all 4 decision surfaces · Plan-Delta detection · share-with-incumbent

Plan Premium · $30–50/mo

Everything in Core + priority support + advanced Plan-Delta rules + custom brief templates

Concierge-Embedded · $10–15/patient/mo (chain-paid)

Full product as included member benefit · physician cohort brief · MVP wedge

The moat — two compounding IP assets

Neither transpilable at speed by a serious competitor. The Advice-Boundary Architecture is publishable; the actuarial model is auditable. Both compound with production shipping data.

1 · Biomarker-Native Risk Model ASA-LTC-led. Kaiser NorCal + Framingham derivatives + concierge-partner cohort data (consented). Two stratified back-tests published at MVP; four by end H1.

2 · Advice-Boundary Architecture 10 architectural moves: structured intent + template rendering, bounded tool-use, two-layer safety net, deterministic numeric base, adversarial red-team gate. Principles post at H1; full whitepaper at Series B after production evidence.

Revenue trajectory — five streams, sequenced across four horizons

$0.9M

Y1 · 2027
MVP

$15.3M

Y2 · 2028
Chain 2 + Variant A

$47.9M

Y3 · 2029
Variant B + B2B2E scale

$111M

Y4 · 2030
Institutional scale

Founder + two prospective founding executives — each closes three DD questions

Dr. Sindhu Pandit

Founder (title TBD)

MD physiatrist · MBA SMU · VP Clinical Product Strategy Hyro · formerly Clinical Leader Salesforce H&LS · concept originator. Closes: (1) clinical concept validity; (2) physician-community access + boutique pipeline; (3) clinical-validation execution ownership.

Dr. Fatima Paruk

CEO (prospective — pending)

Currently senior health-leadership at Oracle (LinkedIn stale; title pending) · formerly SVP & CHO Salesforce H&LS · McKinsey Clinical CoE lead · Microsoft H&LS CMIO · Allscripts CMO. Closes: (1) health-strategic distribution across Oracle Health + prior Salesforce/Microsoft/Allscripts (MDVIP, One Medical Premium (via Amazon), Executive Health Group, PartnerMD at buyer level); (2) CEO gravitas + investor room; (3) F500 CHRO + regulatory-counsel relationships.

Brandon Stauber

CPO/CTO (prospective — pending)

2× founder-operator with exits · dual SF Certified Architect + SF AI Associate · created Agentforce Partner Innovation Lab. Closes: (1) regulated-industry AI product execution; (2) Health Cloud + EHR/EMR precedent (Saxa); (3) FinTech partner-platform precedent (CIT Bank).

Four bidder pools compete for the exit

Health
strategic

Function, Superpower, HLI, concierge chains
$150M–$800M · Y2–Y3

Wealth
platform

Envestnet, Orion, eMoney/Fidelity via Variant A
$400M–$1.4B · Y3–Y4

Insurer
carve-out

MunichRe, RGA, John Hancock via Variant B
$100M–$500M · Y3+

AI-native
strategic

Microsoft H&LS, Google Health, AWS HealthLake
$500M–$2B · Y3–Y4 (directional)

The biomarker-native financial planning platform for the decumulation decades.