Series A — $7–9M
The biomarker-native financial planning platform for the decumulation decades.
Physician-distributed. Actuarially grounded. Delivered through a personalized planning agent gated by a published Advice-Boundary Architecture no competitor can replicate at speed.
02 · Problem
$185K
Fidelity 2026 per-retiree healthcare estimate — one number, applied to everyone.
$124T
US household wealth held by Americans 55+ (AARP 2024) — the segment where planning error compounds most.
100K+
Function Health paying members at $499/yr, $2.5B Series B — biomarker data is now consumer-scale.
The trust to collect and act on health data lives with physicians, not advisors — and concierge chains already serve the HNW segment with the longitudinal biomarker relationship. Nothing turns that data into planning parameters. HIFP does.
03 · Category
An actuarially grounded planning platform that ingests biomarker, wearable, and clinical data; produces individualized SWR, LTC, housing, and care-reserve parameters; and delivers them through a personalized planning agent — inside a concierge chain or direct to consumer.
Not a longevity clinic. Not a robo-advisor. Not an RIA. Not a general AI chatbot. Not another biomarker-testing brand. HIFP consumes biomarker data upstream and delivers financial-planning parameters downstream — the layer nobody currently occupies.
04 · Product
The planning agent is bounded, tool-use, and template-rendered. It never generates free-text advice; it selects and sequences parameters produced by the underlying actuarial model. Every output passes an Advice-Boundary Classifier before display.
05 · Wedge
MDVIP (~450K patients, 1,300–1,400 physicians), One Medical Premium (via Amazon), Executive Health Group, PartnerMD. HNW patients with longitudinal biomarker data, existing physician consent, and $2K–$25K/yr cash-pay medicine willingness.
MVP anchor
Chain 1 target: Q2 2027
~5M US households with $1M–$25M investable, engaged health-data consumers (Function, Superpower, HLI, wearable-native). Four-tier funnel with published free-to-paid CVR target 6–10% at 90 days.
MVP parallel channel
Fortune 500 executive-benefit channel — $200–500/exec/yr. Bypasses D2C CAC for the highest-value user segment. Target: 3 pilots Y2, 12 by Y3.
Y2 prioritized optionality
06 · Moat
A published, auditable framework for shipping AI in regulated consumer health-finance — the exact discipline required to survive WA MHMDA, SEC/state RIA advice-boundary, and FDA SaMD scrutiny simultaneously.
07 · Model
| Stream | Ships | Unit economics | Notes |
|---|---|---|---|
| Concierge per-patient license | MVP | $10–15/patient/mo (chain-paid) | Primary wedge; anchor deal is the whole thesis |
| D2C freemium + Plan Core + Plan Premium | MVP | Blended $22/mo paid ARPU | Freemium funnel; free-to-paid CVR gate 6–10% @ 90d |
| Variant D — B2B2E employer | Y2 | $200–500/exec/yr | Bypasses D2C CAC; F500 CHRO channel |
| Variant A — Consumption OEM | Y2 | $50–300K ACV/platform + per-user | Defensive; opens after ≥25K D2C paid |
| Variant B — Institutional data-product | Y3 | 7–8 figure model-license deals | Separable model asset; insurer/reinsurer |
Variant C (B2B-only pivot) documented as fallback contingency if concierge Gate 2 fails; not the raise story.
08 · Financials
| Year | Concierge | D2C | B2B2E | Variant A | Variant B | Total ARR |
|---|---|---|---|---|---|---|
| Y1 · 2027 · MVP | $0.4M | $0.5M | — | — | — | ~$0.9M |
| Y2 · 2028 · Chain 2 + Variant A + B2B2E pilots | $6.0M | $8.5M | $0.3M | $0.5M | — | ~$15.3M |
| Y3 · 2029 · Scale + Variant B + B2B2E scale | $19.2M | $22.4M | $1.8M | $2.5M | $2.0M | ~$47.9M |
| Y4 · 2030 · Institutional scale | $42.0M | $44.9M | $4.2M | $8.0M | $12.0M | ~$111M |
$7–9M
Series A raise — health/longevity-strategic lead, with AI-forward generalist as second lane.
~$2.3M
Y1 OpEx — 6–8 headcount, no CPO/CTO hire (Brandon holds combined title through Series A).
~26–28 mo
Runway on $8M midpoint; positive burn from Y2 with Variant A active.
09 · Team
Founder (title TBD)
MD physiatrist, MBA SMU. Currently VP, Clinical Product Strategy at Hyro (conversational AI in healthcare); formerly Clinical Leader on Salesforce Global H&LS. Concept originator. Closes: (1) clinical concept validity — conceived the biomarker-informed planning thesis end-to-end; (2) physician-community access — Hyro + prior Salesforce H&LS clinical relationships + boutique-practice pipeline; (3) concept-to-clinical-validation execution — active author on stratified back-tests + adversarial-test-set clinical adjudication.
CEO (prospective — pending Gate 1)
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 — network across Oracle Health + prior Salesforce/Microsoft/Allscripts reaches MDVIP, One Medical Premium (via Amazon), Executive Health Group, PartnerMD at buyer level; (2) CEO gravitas + investor room — opens health/longevity-strategic lane with warm intros; (3) F500 CHRO + regulatory-counsel relationships — unblocks Variant D + Tier 1 counsel gap.
CPO/CTO (prospective — pending founder agreement)
2× founder-operator with exits. Dual Salesforce Certified Architect + SF AI Associate. Currently Director, Partner Innovation Engineering @ Salesforce — created the Agentforce Partner Innovation Lab. Closes: (1) regulated-industry AI product execution; (2) Health Cloud + EHR/EMR + regulated-data-integration precedent (Saxa); (3) FinTech partner-ecosystem + platform-integration precedent (Direct Capital / CIT Bank).
Sindhu's founder equity + clinical anchor + Fatima's health-strategic distribution + Brandon's regulated-AI product execution = no vacancy at the founding seats once Gate 1 and founder agreement close. Priority Series A hires: ASA-LTC actuarial lead + staff+ Founding Engineer #1. No CPO/CTO hire required.
10 · MVP
11 · Gates
| # | Gate | Fail mode |
|---|---|---|
| 1 | Fatima full-time commitment by Q1 2027 | Decline or defer everything |
| 2 | 1 national concierge chain MSA within 90 days of active outreach | Consider Variant C fallback |
| 3 | ASA-LTC-led back-test: ≥20% CI narrowing on LTC-onset window | Model-class moat weakens; still shippable |
| 4 | Freemium free-to-paid CVR ≥6% @ 90d, ≥12% @ 180d, infra <$3/free-user/yr | D2C-only economics don't scale; extend timeline |
| 5 | Regulatory architecture achievable within 25% engineering-cost inflation | Reduce MVP scope; extend timeline |
| 6 | Chain-level per-patient economics work at $10–15/mo effective | Reconsider chain-anchor vs. boutique-first strategy |
| 7 | Advice-Boundary Classifier at 0% failure on zero-tolerance classes + ≥98% on bounded-tolerance classes | Ship v2-shape MVP without Planning Agent Q&A |
Decision rule at day 90: 5–6 of 6 (pre-MVP gates) pass → join full-time, take Series A on v3 thesis. 4 of 6 pass → extend 30 days on failing dimensions. 3 or fewer → decline founder role; offer to advise. Gate 7 is MVP-release-gated, not pre-Series-A.
12 · Exit
| Pool | Trigger | Timing | EV range |
|---|---|---|---|
| Health-strategic tuck-in (Function, Superpower, HLI, concierge chains) | 25K+ D2C paid + chain live | Y2–Y3 | $150M–$800M |
| Wealth-platform strategic (Envestnet, Orion, eMoney/Fidelity) | Variant A live + $50M+ ARR | Y3–Y4 | $400M–$1.4B |
| Insurer/reinsurer model-asset carve-out (MunichRe, RGA, John Hancock, MassMutual, Prudential) | Variant B live + published back-tests | Y3+ | $100M–$500M carve-out |
| AI-native strategic (Microsoft H&LS, Google Health, AWS HealthLake) — narrative asset, DD-stage evidence needed | Published Advice-Boundary Architecture + production shipping | Y3–Y4 | $500M–$2B (directional) |
| Category leader / IPO | $200M+ ARR | Y5–Y6 | $2B+ |
HALO tuck-in optionality: Lumiant (7 people, distressed) is a plausible cheap acquisition post-Series-A — buy Genivity brand + advisor customer base for $5–15M; retire the product.
13 · Ask
| Founding engineering team (6–8) | ~$3.6M |
| ASA-LTC lead + compliance ops | ~$0.9M |
| Infra + LLM + SOC 2 | ~$0.9M |
| Chain BD + F500 CHRO pipeline | ~$0.5M |
| Growth + freemium acquisition (base $0.7M + $0.5M accel option) | ~$1.2M |
| Contingency reserve + operations (+$0.4M buffer) | ~$0.9M |
Why $7–9M vs. earlier $7–9M: $400–600K contingency buffer for chain-integration surprises + adversarial-test-set curation slippage + novel-jurisprudence legal reserve. $500K–1M growth acceleration option deployable in H1 if freemium CVR beats Gate 4 target.
Primary — health/longevity-strategic: a16z Bio + Health, ARCH Venture, GV, Lux Capital, health-strategic vehicles (BCBS Venture, MassMutual Ventures, Salesforce Ventures H&LS).
Secondary — AI-forward generalist: Sequoia AI-application, Radical Ventures, Bond, Lightspeed AI.
Not swap — add. Wider room, better price-discovery.
14 · Close
Health is the largest un-modeled variable in a 30-year plan. It has just become measurable at consumer scale. The trust to act on it lives with physicians. HIFP is the platform that turns biomarker data into planning parameters — physician-distributed, actuarially grounded, and shipped through a personalized planning agent gated by a published Advice-Boundary Architecture no competitor can replicate at speed.
Confidence 0.64 — modest upgrade from v2.1 (0.62), justified by founder-team correction + product-design lock net of Planning Agent complexity. Series A close targeted Q3 2027.