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Seed Round — 2025
Predictive Cash Flow Intelligence

Your financial
future,modeled
not tracked.

The personal CFO for high-earning professionals — forecasting your runway, retirement, and risk with precision.

Confidential — Not for Distribution
01 / 10
The Problem

High earners areflying blindon their financial future.

Existing tools track what you spent. None model where you're headed. For professionals with volatile income, equity, and lifestyle ambitions — tracking is useless. They need a financial model, not a ledger.

73%
of high earners (>$200K) have no formal financial model or runway projection
$2.1M
average equity missed due to poor exercise timing — lack of predictive modeling
4 in 5
professionals who earn >$300K still live paycheck-to-paycheck amid lifestyle inflation
02 / 10

Theintelligence
layer missing
from finance.

The Solution
[ 01 ]
Runway Forecasting
Model exactly how long your lifestyle is sustainable — at current burn, after a job change, or through a sabbatical.
[ 02 ]
Income Volatility Engine
Accounts for bonus cycles, equity vesting, freelance variability, and commission swings — not just base salary.
[ 03 ]
Lifestyle Inflation Detection
Automatically identifies spending creep patterns before they compound into structural risk.
[ 04 ]
Equity Intelligence
Optimal exercise windows, tax impact modeling, and net proceeds projections across multiple scenarios.
[ 05 ]
Retirement Scenarios
Dynamic retirement modeling that adjusts as income, spending, and market conditions evolve in real time.
[ 06 ]
Decision Intelligence
Answer: "Can I afford this house if my income drops 30%?" with confidence intervals, not gut feelings.
03 / 10

HowAI Life CFOworks.

Four intelligent layers, one unified financial model.

01
Connect & Ingest
Bank accounts, brokerage, payroll, equity grants. Secure read-only via Plaid and direct integrations.
02
Model Building
AI constructs your personal financial model — income streams, fixed obligations, discretionary layers, and asset trajectories.
03
Scenario Engine
Monte Carlo simulations across thousands of futures. Each decision tested against your specific constraints and goals.
04
CFO Intelligence
Weekly strategic briefings. Burn alerts. Opportunity signals. Your AI CFO that speaks in decisions, not charts.
Bank-grade encryption  ·  SOC 2 Type II  ·  Read-only access  ·  Zero data selling
04 / 10
Product Preview

Answers, not
dashboards.

  • At current burn, you have 14.2 months of runway after leaving your job.
  • Lifestyle inflation has increased 23% YoY — now outpacing income growth.
  • Exercising your ISOs in Q1 saves $84K in AMT vs. Q4 exercise.
  • You can retire at 52 if your equity event exceeds $1.8M net.
  • Your $12K/mo rental income closes the income gap by 67% if you quit today.
CFO BRIEFING — NOV 2025
LIVE
Financial Runway
14.2 mo
Burn Rate vs. Income
87%
Retirement Trajectory
Age 51
⚠ ALERT: Dining + travel spend up 34% MoM. Projects $47K lifestyle gap at current trajectory. Recommend reviewing discretionary cap.
05 / 10
Market Opportunity

An underserved
market hiding in
plain sight.

12M
US professionals earning $150K+
$48B
TAM in personal finance software
$8.2B
SAM — high-earning professional segment
$820M
SOM — 3-year achievable market
Target Segments
💼
Tech Executives & Engineers
RSUs, options, bonuses — complex multi-stream income
📊
Finance & Consulting Professionals
Variable comp, carry, performance bonuses
⚕️
High-Income Self-Employed
Physicians, attorneys, independent consultants
🚀
Pre-Liquidity Founders
Managing personal finances through high-volatility phase
06 / 10
Traction

Early signal is
exceptional.

Beta — 6 months
2,400
Beta users on waitlist
↑ 340% in 90 days
$18K
MRR — 6 months in
↑ Organic growth only
94%
30-day retention
↑ vs. 68% industry avg
4.9★
App store rating
↑ 312 reviews
"AI Life CFO is the only tool that made me feel in control of my finances at my income level. For the first time I could see exactly what my equity event means for my future."
— Sarah K., Principal Engineer, Series C startup  ·  Beta User
07 / 10
Business Model

SaaS with
premium
expansion.

Core subscription captures the long-tail professional market. Premium and Advisor tiers expand ARPU through human CFO access and advanced planning tools.

Projected Unit Economics
CAC$120
LTV (blended)$2,160
LTV:CAC18x
Core
Forecasting, runway, scenario modeling
$29/ mo
MOST POPULAR
Professional
+ Equity intelligence, tax scenarios, retirement planning
$79/ mo
CFO Partner
+ Quarterly sessions with a licensed CFP
$249/ mo
Enterprise / RIA
White-label for wealth advisors and family offices
Custom
08 / 10
The Team

Built by operators
who lived theproblem.

AK
Aiko Kessler
CEO & Co-founder
Fmr. VP Finance at Stripe. Led FP&A through Series C to IPO. MBA Wharton. Sold first fintech startup (AcquiHire, 2019).
MR
Marcus Reid
CTO & Co-founder
Fmr. Staff Engineer at Plaid. Built financial data infrastructure serving 8,000+ institutions. MS Computer Science, MIT.
SL
Sofia Lim
Chief Product Officer
Fmr. Head of Product, Personal Capital (acquired by Empower for $825M). 11 years in personal finance UX and AI.
Advisors:   Ex-Betterment CFO  ·  Former IRS Chief Counsel  ·  Managing Director, Bessemer Venture Partners
09 / 10
Seed Round
The Ask

We're raising$3.5M
to define a category.

$1.4M
Product & AI model development — predictive engine v2
$1.2M
Growth & acquisition — content, partnerships, B2B channel
$0.9M
Ops, compliance, SOC 2, team hires in CS and data science
Aiko Kessler, CEO
aiko@ailifecfo.com
ailifecfo.com
10 / 10