Automated, tax-efficient retirement income management for financial advisors serving affluent retirees.
SilverStream AI is a B2B2C white-label platform that equips financial advisors with an AI-driven automated investment advisory tool tailored specifically for affluent retirees. The platform handles complex retirement income planning—including required minimum distributions (RMDs), Social Security claiming strategies, tax-efficient withdrawal sequencing, and dynamic asset allocation that adjusts for longevity risk and market conditions. Advisors integrate the platform into their existing tech stack via APIs, offering a seamless digital experience to their retiree clients. The business model is turnkey: after initial setup, ongoing operations are automated, requiring minimal oversight. With a $25k budget, the founder can outsource MVP development and initial marketing. The founder’s role focuses on strategic partnerships and high-level sales to advisory firms, consuming only a few hours per week. The platform generates recurring subscription revenue, scaling with the advisor’s AUM.
With AI tools reducing development costs and a wave of baby boomers retiring, advisors urgently need scalable tech to manage retirement income. The hybrid advice model (digital + human) is the fastest-growing segment in wealth management.
Schedule calls with five local RIA firms this week to discuss their current retirement income planning process and technology gaps.
Independent RIAs and wealth managers serving retirees with $500k+ assets.
Subscription pricing based on advisor’s assets under management (AUM) on the platform, e.g., $200/month for up to $5M AUM, $500/month up to $25M. Additional white-label customization fees. High customer lifetime value due to sticky integration and recurring nature; low churn expected among advisor clients.
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