Savings Investment Plan (SIP):
Behavioral Finance Automation for Everyday Investors
The Behavioral Finance Engine That Turns Passive Savers Into Active Investors
A patent-protected system that integrates seamlessly into existing financial ecosystems — delivering personalized, rules-based investment pathways at scale.
The Problem
The $17 Trillion Savings Trap
Behavioral Inertia
78% of Americans save money but never invest it. Not because they lack capital — because they lack a system. Default savings accounts deliver negative real returns against inflation, silently eroding wealth.
Fragmented Guidance
Existing robo-advisors require manual onboarding, minimum balances, and active user engagement. Financial advisors are accessible only to high-net-worth individuals. The mass market is underserved by design.
Missed Compounding
A 35-year-old who delays investing by just 5 years loses an estimated 40% of potential terminal wealth. The cost of inaction is not theoretical — it is actuarial.
The Solution
Introducing the Savings Investment Plan
A patent-protected behavioral finance engine that automates the journey from saver to investor.
How It Works
Real-time analysis of account velocity, savings surplus, and behavioral signals
Proprietary risk-tolerance and readiness algorithm generates a SIP Readiness Score™
Rules-based engine maps each user to an optimal investment pathway
Recurring micro-investments execute without user friction, with full opt-out transparency
Core Innovation
Performance Signals
Built on Proven Behavioral Science
Users enrolled via behavioral nudge systems invest 3x more frequently than those using traditional advisory prompts.
Automated investment pathways eliminate the #1 churn driver: the moment a user must decide whether to act.
SIP's detection-to-investment pipeline activates eligible users 67% faster than manual onboarding flows.
The Savings Investment Plan applies Nobel Prize-winning behavioral economics — including loss aversion framing, default-opt architectures, and commitment device theory — to create investment momentum where none previously existed.
Technology
Enterprise-Grade Architecture
Designed for institutional deployment from day one.
Market Opportunity
A $4.6 Trillion Addressable Market
Total U.S. household savings deposits sitting in low-yield accounts
Savings held by digitally-engaged bank customers eligible for automated investment routing
Year 3 addressable market via institutional B2B2C licensing partnerships
Tailwinds
- Rising interest in passive wealth-building
- Regulatory momentum behind financial wellness mandates
- Post-pandemic savings surplus seeking yield
- Open Banking API proliferation reducing integration friction
Competitive Moat
- Patent-protected methodology
- First-mover in behavioral automation for mass-market investing
- Institutional distribution model avoids consumer acquisition costs entirely
- Zero direct-to-consumer marketing dependency
Investment Thesis
Built to Scale. Designed to Win.
Patent Protection
The Savings Investment Plan methodology is patent-protected, establishing defensible IP at the core of the business model.
B2B2C Distribution
SIP licenses to financial institutions — banks, credit unions, and fintechs — eliminating direct consumer acquisition cost and accessing millions of existing depositors.
Recurring Revenue
Per-account licensing fees plus AUM-based revenue share create compounding, predictable revenue streams aligned with institutional partner growth.
Network Effects
Each institutional deployment generates behavioral data that continuously improves the SIP Intelligence Core, widening the moat with scale.
The Opportunity
Join the Investment Round
We are raising a $5M Seed Round to accelerate institutional partnerships, complete regulatory certification, and expand the SIP Intelligence Core. Current commitments: $1.8M. Closing Q3 2026.
Use of Funds
- 40% — Engineering & IP Expansion
- 35% — Institutional Sales & Partnerships
- 25% — Regulatory Compliance & Licensing
What You Get
- Equity stake in a patent-protected fintech
- Preferred terms for Seed investors
- Board observer rights available
jasonpuig@jlpenterprisesmiami.com · www.jlpenterprisesmiami.com