Revenue Breakdown by Segment
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|
Subscriber Growth & Churn Analysis
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|
⚠️ Growth Rate Analysis: Our high growth rates result from starting with a small subscriber base and an aggressive go-to-market strategy.
Key Business Metrics
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|
✅ Positive Indicators: LTV/CAC ratios improve significantly after Year 2, indicating strong unit economics potential.
Key Business Assumptions
Pricing Strategy Evolution
| Segment | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Consumer | $9.95 | $11.95 | $14.95 | $14.95 | $14.95 |
| Professional | $99.95 | $129.95 | $149.95 | $199.95 | $249.95 |
| Enterprise | N/A | $90,000 | $90,000 | $90,000 | $90,000 |
Churn Rate Assumptions
- Consumer Churn: 12% annually (1% monthly)
- Professional Churn: 5% annually
- Enterprise Churn: 1% annually
- Rationale: Enterprise has lowest churn due to integration complexity and higher switching costs
Customer Acquisition Costs
- Consumer CAC: $75 (digital marketing blend)
- Professional CAC: $500 (sales-assisted channel)
- Enterprise CAC: $25,000 (enterprise sales cycle)
- Assumptions: CAC remains constant across all years
Subscriber Growth Trajectory
| Segment | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Consumer | 5,000 | 17,500 | 52,500 | 105,000 | 168,000 |
| Professional | 175 | 700 | 2,450 | 6,860 | 15,435 |
| Enterprise | 0 | 3 | 18 | 36 | 64 |
Market Sizing
- US Adult Population (TAM): 130M potential users
- Financial Professionals: 330K advisors
- Enterprise Market: Large corporations with 5,000+ employees
- Year 5 Market Penetration:
- • Consumer: 0.129% (168K/130M)
- • Professional: 4.68% (15.4K/330K)
Revenue Model Details
- Consumer: Monthly subscription, credit card billing
- Professional: Monthly subscription, invoiced billing
- Enterprise: Annual contracts, minimum $90K/year
- Enterprise Pricing: $3 per user/month, 5,000 user minimum
- Payment Terms: Enterprise net-30, others immediate
✅ Model Strengths & Validation Points:
- Unit Economics: Strong LTV/CAC ratios across all segments by Year 3
- Revenue Mix: Diversified across consumer, professional, and enterprise segments
- Pricing Power: Demonstrated ability to increase prices while maintaining growth
- Market Opportunity: Large addressable market with low initial penetration
- Retention Focus: Low churn rates, especially in higher-value segments