卖什么
Financial wellness for the middle class
商业模式拆解
买家：谁掌握预算？
Employers/HR benefits, retirement plan advisors, brokers, banks.
触发点：什么让他们现在购买？
Wanting to raise plan contributions, improve compensation package or differentiate offering.
工作流：什么输入变成什么输出？
Live and on-demand classes on 130+ topics (SmartPath Learn) and one-on-one coaching with licensed fiduciary professionals (SmartPath Coach), with reporting.
经济账：省了什么，怎么收费？
B2B licenses; claims 99% client retention and 1,000,000+ users supported.
渠道：怎么接触到客户？
B2B2C via advisors, brokers and employers; Talk to Sales, demo, pilots for 5,000+ participants.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2016 夏季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.