Summary of decisions, action items, and next steps from Monday's alignment.
The trio closed the 15 open alignment-pending items from the pre-read — 12 explicitly ratified, 3 intentionally deferred with named triggers. The center of gravity of the meeting was the ratification of User Primacy as HIFP's mission-level commitment: every decision we make is filtered through whether it benefits the individual user, not the intermediaries around them.
Structurally, the meeting ratified a compressed 16-week MVP timeline, a SAFE-with-conditions funding path with a $250K/founder living-standard floor, and the reshaping of the Insurance segment into a Coverage Navigator / Benefits Navigator posture with a hard underwriting-side firewall. Employer benefits was confirmed as the primary buyer segment, sharpened to self-funded employers with long-term-equity plans. Concierge was reframed as Consumer-Wellness Partnerships. Version numbering jumps v3.2 → v4 given the magnitude of these reshapes.
The load-bearing next step is a general-counsel briefing via Karen (Sindhu's ex-Salesforce GC). Nothing external happens — no investor conversations, no partner intros, no validation lunches, no shareable prototype — until that briefing lands + a standard mutual NDA is in place.
MVP timeline compressed to 16 weeks. Down from the prior 12-month build.
Rationale: category-window; personal-runway anchors; Red Team scope-cut math already argued compression is the correct lever.
Funding path: SAFE seed → Series-A pivot. $1.5M floor / $2M target / $15M cap. Organic-to-Series-A remains the documented fallback if SAFE does not close in 90 days.
Living-standard floor: ~$250K / founder / year + health insurance built into the SAFE round.
Founder full-time timing anchors (informational, not commitments):
Fatima — July 2027 · Brandon — fiscal Jan 31 + April bonus cycle · Sindhu — April 30, 2027 cliff, then annually thereafter.
Monthly founder check-in cadence as a standing meeting — life, commitment, and timeline honesty.
Advisor-only fallback locked. Any founder unable to go full-time at SAFE close stays as advisor. Structure to be formalized at SAFE-close time.
Founding-engineer recruiting begins pre-SAFE-close with contingent-offer pattern. Named eng candidates still to be sourced; Michelle Feinstein + Dan Conners go to advisor-board brainstorm rather than eng.
Category reshape: "insurance partner" retired from HIFP vocabulary. Replaced by Coverage Navigator / Benefits Navigator as user-side advocacy surface.
Underwriting firewall — hard. HIFP does not provide any data feed to insurance underwriters. Not now, not ever. Named refusal.
Data-scope architecture (judo memo Mitigation A) — HIFP produces planning-scenario outputs only, never carrier-consumable raw-data exports.
Contractual + consent firewall (judo memo Mitigation B) — ToS + Privacy language locks out programmatic carrier access; per-event affirmative user consent for any export.
Insurance carriers drop to lower partner priority. Life carriers benefit downstream from HIFP's mission but are not commercial partners.
Employer benefits is the primary buyer segment. ~75% of target ARR from this channel out of the gate.
Primary sub-segment: self-funded employers with long-term-equity plans (Salesforce-shape) — the ones carrying the risk and building the retention hooks.
Family-attach is a first-class commercial mechanic — employer coverage that extends to spouse and dependents drives net-new users at zero acquisition cost. Primary in the Employer segment; secondary in Concierge.
Employer variant exploration open under the self-funded primary — self-funded without pension, mid-market self-funded, government self-insurers, union benefit trusts, PEOs as channel. Widening the pipeline, not re-opening the primary decision.
Concierge medicine as a buyer segment is de-prioritized. Direct-buyer ROI didn't survive the P&L conversation. Reframed as Consumer-Wellness Partnerships (Function, Superpower, Prenuvo, Neko, Levels, Aura) — a partner-BD track, not a buyer-BD track. Concierge medicine retained as a watch-list customer if a real ROI story emerges.
Partner sequencing: consent-first parallel tracks. The strict order (aggregators → wearables → clinical → longevity → LLM → content) is retired. Consent model + governance framework locks first; then all partner categories move in parallel, with insurance-data-outbound as the standing veto.
User Primacy is HIFP's mission-level commitment. Every decision filters through whether the individual user benefits — not just the intermediaries around them. Elevated from ethical-framework line item to top-level positioning statement.
Ethical Framework skeleton adopted — three commitments (User Primacy · Boundary Integrity · Transparency with Agency), each with governance mechanic and named refusal. Sindhu owns the full v0.1 within 14 days.
Three-tier regulatory frame adopted as a v4 principle: federal, state, and zip-code levels. State-by-state variance (Medicaid, child-support obligations, property insurance, disclosure carve-outs) plus zip-level climate insurability all in scope.
"Best financial planners" question-quality standard. The questions HIFP surfaces should mirror those a top-quartile financial planner who leans in for their clients would ask — not generic literacy prompts. Elevates the surfacing bar for chart explainers and Plan-Delta explanations.
Apple privacy policy is the consent-model design reference. Per-app granularity, device-level control, on-device-key posture. The standard-of-craft HIFP designs against.
AWS as cloud primary — unless disproven by later design.
Delete-forever vs archive design — logged as an engineering + legal + policy R&D item. Decision follows the Karen general-counsel briefing.
IP strategy adopted by non-dissent. Proceed with IP counsel RFP + ~$15–25K pre-SAFE budget + four provisional patent filings + defensibility DD story order (trust-brand first, utility IP last). Review checkpoint at SAFE-close / early Series-A.
Version bump: v3.2 → v4. The magnitude of the reshapes ratified today (Coverage Navigator, User Primacy elevation, timeline compression, segment sharpening) warrants a version jump rather than a point-release. Brandon owns the v4 canonical set — POV, Product Design, Investor Deck, Infographic, Q&A — within ~1 week.
Health = signal, wealth = action reframe adopted as a v4 thesis-level update, implicit throughout the "empower the individual to have the conversation" framing.
Cone of silence continues. No external mention of HIFP by name until NDA + v4 kit are in place.
Brand name — held until SAFE-close prep, with an "unless elevated" escape hatch if an investor conversation, trademark race, or partner-material need forces earlier. HIFP placeholder continues in v4 kit.
Adversarial-test-set curation partner — deferred to post-SAFE (needs Medical Lead + counsel input).
Investor lane priority — pre-read recommendation (lead health/longevity-strategic + AI-forward-generalist warm lane) stands as directional guidance, not locked. Revisit when investor conversations actually start (post-Karen gate + v4 kit).
Sindhu's title — CCO (Chief Clinical Officer) adopted by non-dissent, modifiable if Sindhu decides differently. COFO (Chief Operating & Financial Officer) surfaced as an alt-framing during the meeting.