Investor Introduction

Healthspan
Wealth.

The operating system for the longevity advisor. Live with a top-twenty US wealth firm. Raising now.

May 2026 Confidential · Do Not Distribute 01 / 14
Healthspan Wealth
What we do

We run everything that happens after a turning point in a client's life.

Every task, every document, every call, every vendor introduction, every email the advisor sends. Across every life event. For every family on the firm's books.

02 What we do 02 / 14
Healthspan Wealth
The problem

A diagnosis arrives. The advisor is the first call.

Wealth advisors are now expected to coordinate the response to dementia, cognitive decline, a Parkinson's diagnosis, a sudden caregiving role, an estate event, an aging parent across the country.

They are not equipped to. The work is hidden in inboxes and notebooks. One good advisor becomes the firm's bottleneck. The rest improvise.

Eighty-four trillion dollars are about to change hands. The firms that lose this generation lose the next one too.

03 The problem 03 / 14
Healthspan Wealth
Our customer

The buyer is the firm. The user is the advisor. The beneficiary is the family.


Anchor customer
SEIA
Signature Estate & Investment Advisors. Top-twenty US RIA, founded 1997. Headquartered in Los Angeles.
Assets under management
$5B+
Five billion dollars and rising. Ranked #19 in Barron's Top 100 RIAs (2025).
Advisors live in production
162
Synced from Salesforce into the platform. Average tenure: fifteen years.
04 Our customer 04 / 14
Healthspan Wealth
The product

AI-guided playbooks for every life event. Persistent across the relationship. The advisor stays in control.

Phase one
Assess
Structured intake the advisor can run without becoming a care expert. Voice-aware questions for high and ultra-high-net-worth families. The full picture in one pass.
Phase two
Plan
A playbook is launched. The AI generates step-specific guidance, drafts the email the advisor sends, schedules the call, requests the document, introduces the right vendor at the right moment.
Phase three
Monitor
A persistent record of every family across every life event. Up to six concurrent playbooks per family. The relationship compounds; the firm's institutional memory grows.

The engine
Atom v3

Three generations of one architecture, hardened across twenty months and seven foundational chapters of work, from the first chassis commit to today's atomic publish loop. The same engine drives the playbook runtime, the AI assistant, and the firm's editorial layer.

05 The product 05 / 14
Healthspan Wealth
A playbook in motion
The Connor Family Dementia Diagnosis Journey · Step 4 of 9 Step 4 / 9
Assemble the specialist care team
Confirm primary neurologist on file
Done
Request medical records release from Dr. Patel
Done
Introduce dementia care manager
Today
Schedule LCAP intake with daughter Sarah
This week
Function Health
160+ lab tests detecting 1,000+ conditions · embedded in step
AI assistant
Sarah is the remote caregiver and is not on the platform. Want me to draft the introduction email?
Hi Sarah, I am following up on our conversation about your father. We've added a dementia care manager to the team and I have a recommended specialist for the home safety assessment. Below are the documents I'll need from you to keep this moving...
Drafted from this step. Advisor reviews and sends.

One step. Five things happen.

Atom tracks the open task, surfaces the right vendor at the moment it's needed, generates the email the advisor will send, schedules the next call, and updates the family record. The advisor reviews and presses send.

On a typical family, six playbooks run concurrently. The advisor never opens six tabs.


Under the hood · Atom v3

Every AI action lands as a proposal. The advisor accepts, edits, or reverts. The audit log preserves every accept and every revert as a distinct event. Compliance was the first commit, not the last.

06 How it works 06 / 14
Healthspan Wealth
Why now

Three forces are converging this year. None of them lined up before.

One
The Great Wealth Transfer is now.
Roughly $84 trillion moves from boomers to heirs over the next two decades. The advisor who answers the diagnosis call keeps the next-generation account. The firm that doesn't, doesn't.
Two
AI can finally write what an advisor sends.
The model is good enough to draft the email, prep the call, and request the document, in a voice the advisor signs off on. Two years ago this was a demo. Today it is daily output.
Three
Longevity is a billable hour, not a buzzword.
Wealth firms now sell longevity planning to the high-net-worth client because the client asked for it first. The tooling has not caught up. We are the tooling.
07 Why now 07 / 14
Healthspan Wealth
Traction

The story is non-fiction.


Live in production
162
Advisors at SEIA synced from Salesforce. Households, clients, and team members flowing daily.
Curated playbooks
91
Authored by Suzanne Schmitt across cognitive decline, caregiving, estate, age-milestone, and care navigation.
Patents granted
4 / 5
Including a foundational patent on assessing health and wealth as one decision surface.
SOC 2 progress
89%
Vanta-tracked. On track to closeout this quarter, in advance of the next firm rollout.

80%
AI cost reduction
Achieved this year through orchestrator-specialist architecture. Margin scales with usage.
10
Firms in the alpha queue
Identified through SEIA-introduced channels. Hardening the platform for second-firm rollout.
6
Concurrent playbooks per family
Real production load. The architecture is built for the relationship, not the moment.
0
Churn
No advisor onboarded has rolled off. Usage compounds across life events.
08 Traction 08 / 14
Healthspan Wealth
What advisors say

The 162 are not anonymous. Two of them, after using it.

GM
Glenn McGregor, CFP®, AIF®
SEIA · 25 years · ~150 families

“I like the steps. Being able to see what's happening at any point in time.”


“I'm going to want to hit some of these fairly quickly, and I don't want it to look canned. Having that ability is perfect.”

“Stay on top of not just the portfolio, but the things that happen to real families. Being able to work through that, that's really helpful.”

User research interview · March 13, 2026
LW
Lisa Windsor
SEIA · Onboarding & relationship continuity

“It's like a souped-up awesome machine, waiting to happen. All these playbooks right at my fingertips.”


“Once you're in it, generating something is a breeze. Click the thing, boom. And it looks thoughtful.”

“The nudge is an awesome feature. We have to do it all the time.”

User research interview · March 12, 2026
09 What advisors say 09 / 14
Healthspan Wealth
Market opportunity

Bottom-up. Built from real seats.

We do not sell to a TAM. We sell to a firm. Then to its advisors. The same buyer profile as SEIA exists by the thousand in the United States alone, and is structurally underserved.

The marketplace layer is additive. As advisors send the family to the right vendor, that flow becomes a take-rate.

RIA firms (5,000+)
5,000
RIAs that look like SEIA
3,000
Advisors per firm (avg)
60
Annual seat license
$4,000

Subscription opportunity
$720M
Marketplace + wirehouse extension
$2B+

3,000 firms × 60 advisors × $4,000/seat. Wirehouses (Merrill, Morgan Stanley, RayJay) extend the seat count by an order of magnitude when channeled through firm partnerships.

10 Market opportunity 10 / 14
Healthspan Wealth
Business model

Three layers. Each one compounds the last.

Layer 01

Per-advisor seat

Annual subscription per active advisor. Sold firm-wide. Structurally similar to Salesforce, eMoney, Holistiplan.


Anchor
$4,000 / advisor / year
Layer 02

Firm platform tier

Salesforce sync, SOC 2 compliance suite, white-label firm theming, custom playbook authoring. Sticks the firm.


Anchor
$50K+ / firm / year
Layer 03

Vendor marketplace

Take-rate on the vendor introductions made inside playbooks: Function Health, Crump, Luminary, Ryan Frederick, NAELA, Genworth.


Anchor
~10% take-rate

Margins improve as the orchestrator-specialist architecture (80% AI cost reduction this year) decouples revenue growth from inference cost.

11 Business model 11 / 14
Healthspan Wealth
Why we win

Four things compound. None of them can be cloned in a quarter.

Content moat
91 playbooks, authored.
Every life event, every age milestone, every care scenario. Each one structured, AI-augmented, and validated by a real advisor running a real family. Competitors start from zero.
Embedded vendors
Function, Crump, Luminary.
Named vendors are placed at the moment in the workflow they are needed, not in a directory. We coordinate the introductions. They pay to be the right answer.
Patent portfolio
Health and wealth, fused.
Four of five patents granted, including foundational claims on assessing health and wealth as a single decision surface. Defensibility filed before the AI rush.
Design partner
SEIA telemetry.
Daily product feedback from a top-twenty US RIA, embedded in our standups. The behavior data no competitor will ever buy access to.

The competitor most often cited (bQuest) routes the advisor to the right care professional. We run everything that comes after the call, persistently, over the life of the relationship.

12 Why we win 12 / 14
Healthspan Wealth
Team

Twenty years of earned secrets, working in the same direction.

Founder & CEO
Suzanne Schmitt
Former Head of Financial Wellness, New York Life. Former VP Family Engagement, Fidelity, where she led the firm's aging-client and family engagement strategy. Faculty, Aging Entrepreneurship at Brown. USC certificates in Gerontology and Elder Abuse Prevention. Patent holder on assessing health and wealth.
Operating Lead
Eli Wood
Owns the operating model, firm-onboarding choreography, vendor and partner contracts, SOC 2 oversight, and the cross-team motion that turns a design partner relationship into a repeatable firm rollout.
Design + Build Partner
Black Flag Design
Engineering, design, and AI infrastructure partner. Architects of the orchestrator-specialist agent architecture and the playbook runtime. Track record building product across financial services, healthcare, and the longevity stack.
Embedded customer voice
SEIA Liaison
A SEIA-employed liaison sits in our standups every week, validates every playbook before it ships, and supplies high and ultra-high-net-worth content. The product is hardened in production with the buyer in the room.
13 Team 13 / 14
Healthspan Wealth
What to remember

Healthspan Wealth runs everything that happens after the diagnosis.


Today

Live with SEIA. 162 advisors, 91 playbooks, 4 of 5 patents, and a Salesforce-grade sync running in production.

Tomorrow

Ten more firms in alpha. Wirehouse partnerships, beginning with Fidelity and Merrill conversations underway.

After that

A longitudinal record of every American household's health and wealth life. The marketplace, the institutional memory, the system of record for the longevity advisor.


Raising now

Suzanne Schmitt

suzanne@healthspanwealth.com

Confidential

Healthspan Wealth, Inc. · May 2026 · 14 / 14