Investor Introduction

Healthspan
Wealth.

Healthspan goes beyond planning for the future. It is about living fully today while preparing wisely for tomorrow. So families can age with connection, clarity, and control.

May 2026 Confidential · Do Not Distribute 01 / 13
Healthspan Wealth
What we do

When the client's life shifts, the advisor is the first call.

We built the system that runs everything after. Every task, every document, every vendor introduction, every email the advisor sends. Across every transition. For every household on the firm's books.

02 What we do 02 / 13
Healthspan Wealth
The problem

Half the firm's revenue lives in households over seventy-two.

Age-weighted revenue is the number every wealth firm is afraid to look at. Health is going to drive the next decade of household decisions, not asset allocation. The advisor is the first call when it does.

Most advisors learn this work in live fire, with clients they have known for fifteen years, suddenly making decisions that sit outside the four walls of the financial plan. They figure it out alone, in the wild, between meetings.

The firms that fail this transition lose the household. They lose the second generation. They lose the next twenty years of revenue.

03 The problem 03 / 13
Healthspan Wealth
Our customer

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

Anchor customer
SEIA
Signature Estate & Investment Advisors. Top-twenty US RIA, founded 1997. Tom West, our co-founder, is a Senior Partner here. We built the platform inside the practice that needed it.
Assets under management
$16B+
Sixteen billion and rising across the SEIA group. Barron's Top 100 RIAs, ranked #19. Eric Pritz on the 2026 InvestmentNews Top 50.
Advisors live in production
162
Working with real families, every day. Average advisor tenure: fifteen years. Every one of them was already doing this work, in the wild, alone.
04 Our customer 04 / 13
Healthspan Wealth
The product

Playbooks for every transition the family will face. Run by the advisor. Backed by the firm.

Phase one
Assess
A new discovery for every transition. The full picture of the household in one pass: health, family, financial dynamics, hopes, fears. The advisor never has to become a care expert to ask the right questions.
Phase two
Plan
A playbook is launched. The advisor stays in control of every action. The platform drafts the email, schedules the call, requests the document, and introduces the right vendor at the moment it is actually needed. The advisor reviews and presses send.
Phase three
Monitor
A persistent record of every household across every transition. Up to six concurrent playbooks per family. The advisor shows up shoulder to shoulder, year after year. The relationship compounds; the firm's institutional memory grows.
Our platform
Atom v3

Atom is the platform underneath everything we do. We are now on its third major build, twenty months of compounding work behind it. The same software powers our playbooks, our AI, and the rest of the way we work with families and the firm.

05 The product 05 / 13
Healthspan Wealth
A playbook in motion
The Connor Family Dementia Diagnosis Journey · Step 4 of 9 Step 4 / 9
Family
Members
Documents
Meetings
Active playbooks
Dementia Diagnosis
Healthcare Proxy
Place Planning
Vendors
Care team
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.

How we built it · Atom v3

Every action our AI takes is a proposal first. The advisor accepts it, edits it, or rejects it. Every decision the platform makes is logged, audit-ready, and traceable back to the human who made it. We built compliance into Atom from the very beginning, not as an afterthought.

06 How it works 06 / 13
Healthspan Wealth
Why now

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

One
The Great Wealth Transfer is here.
Roughly $84 trillion changes hands over the next two decades. Half of every advisor's revenue today already lives in households over seventy-two. Whoever is in the room when the transition hits keeps the next-generation account. Whoever is not, does not.
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, on a real book of clients.
Three
The home office finally has to take this seriously.
For twenty years, advisors have been doing this work in the wild, alone, between meetings. The data tells the story now: longevity, sandwich generation, self-funded healthcare. The firms see it. The tooling has not caught up. We are the tooling.
07 Why now 07 / 13
Healthspan Wealth
Traction

Built inside the firm that needed it. Ready for the country.

Anchor partner
SEIA

We have spent two years building Healthspan Wealth inside SEIA's $16B+ wealth practice. Tom has run every playbook on real families. Suzanne has authored each one. The advisors who use it every day made it what it is. Hardened where the work actually happens. Ready for the firms that come next.

Advisors live
162
All of SEIA, working with families inside the platform every day.
Curated playbooks
91
Authored by our founders. Every transition, every age milestone, every care scenario.
Patents granted
4 / 5
Including a foundational patent on assessing health and wealth together.
SOC 2 progress
89%
Closing this quarter, before our next firm goes live.
Firms ready to join
10
Introduced to us through SEIA. Conversations with Fidelity and Merrill underway.
GM
Glenn McGregor, CFP®, AIF®
SEIA · 25 years · ~150 families

“I 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.”

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. And it looks thoughtful.”

08 Traction 08 / 13
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 wedge is the wealth-firm seat. The long arc is the longevity economy itself, where the household is finally going to spend the money it has been holding.

RIA firms (5,000+)
5,000
RIAs that look like SEIA
3,000
Advisors per firm (avg)
60
Annual seat license
$4,000
Subscription wedge
$720M
Marketplace + wirehouse extension
$2B+
Longevity economy total
$500B

3,000 firms × 60 advisors × $4,000/seat is the subscription wedge. The wirehouses (Merrill, Morgan Stanley, Raymond James) extend seat counts by an order of magnitude when channeled through firm partnerships. The longevity economy is the long arc.

09 Market opportunity 09 / 13
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

Atom v3 has cut what it costs us to deliver an action by eighty percent this year. Our revenue and our software costs no longer move together on the same line.

10 Business model 10 / 13
Healthspan Wealth
Why we win

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

Who we are
We have been doing this for twenty-five years.
Tom built the first healthcare-driven planning practice in the country, at SEIA. Suzanne wrote the longevity playbook for New York Life and Fidelity. We co-founded Healthspan Wealth so we would never again have to build this on the side of a practice.
Content moat
91 playbooks, authored.
Every transition, every age milestone, every care scenario. Each one structured, AI-augmented, validated by a real advisor with a real household. 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 together. We filed before the AI rush. Nobody else can ever file these.

Health and family are the dog. Financial implications are the tail. Every competitor we have seen still leads with the tail.

11 Why we win 11 / 13
Healthspan Wealth
Team

Two co-founders, twenty-five years each. We have been waiting our whole careers to build this.

Co-founder & CEO
Suzanne Schmitt
Former Head of Financial Wellness, New York Life. Former VP Family Engagement, Fidelity, where she ran 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 as one decision surface.
Co-founder
Tom West
Senior Partner at SEIA, in the seat since 1995. Creator of the Lifecare Affordability Plan®, the proprietary healthcare-driven financial planning practice he built for families facing a new diagnosis. Named 2023 RIA Advisor of the Year. CLU, ChFC, AIF. Tom has done this work, hands-on, with real families, every day for twenty-five years.
Operator
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.
Build Partner
Black Flag Design
Our engineering, design, and AI partner. They built Atom, the platform that runs underneath everything we do. Track record across financial services, healthcare, and longevity. SEIA's product team sits in our weekly review and signs off on every playbook before we make it live.
12 Team 12 / 13
Healthspan Wealth
What to remember

Advisors need more than spreadsheets and referrals. They need a system.

Today

Live with SEIA. 162 advisors using the platform, 91 playbooks running, 4 of 5 patents granted. The firm's Salesforce flows through us every day.

Tomorrow

Ten more firms ready to come on. Conversations underway with Fidelity and Merrill.

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

 

Tom West

tom@healthspanwealth.com

Confidential

Healthspan Wealth, Inc.
May 2026 · 13 / 13