Saving is hard
but spending is easy!

The latest data shows Americans are saving just 2.3% or $2.30 for every $100 they earn — down from 7.3% in 2022. Saving is challenging, but nearly impossible on our own. 

The younger generation feels like they have to keep spending to keep up as 48% of Millennials went into debt to keep up with their friends.

 Experts agree that saving money consistently is the most important factor in improving financial wellness. The #1 recommended savings habit for the younger generation is automation.

It's not about how much money you make, but how much you keep."
—Robert Kiyosaki

Guac makes
saving as easy
as spending

by automatically tipping yourself!  

Guac’s Auto-Tip technology solves these problems for both individuals & businesses. Our members quickly & consistently create savings by automatically tipping themselves on their purchases.

Our published-patent advanced savings tool is % based, so it allows users to reach goals quickly without having to change their existing habits. Setting aside the designated % like an automatic Tip. 

Utilizing the recommended 10% Auto-Tip, the average Guac member can save $1000 in just 3 months, generating more savings than 60% of the US population!

• Saving without thinking (Automation)
• Save & achieve goals quickly with total control  
• Guidance to Goal Achievement (Machine Learning)
• Designed for both Debit & Credit Card users 
• Can transfer/use savings immediately  
• Cashback rewards  

Guac goals are achieved in just weeks or months compared to round-up apps that can take years to achieve a goal.

Financial wellness tech providing solutions for members & partners 

The first advanced savings tool
designed for both debit & credit cards.

Guac allows our members to save while they spend by automatically tipping themselves:

• Stacking a win every day as you get closer to achieving your goals provides the dopamine hit we all crave on a daily basis
• Removes the fear of saving as Guac users are in total control 
• Achieves instant gratification by saving a % (Auto-Tip) vs a round-up, allowing users to save $1k in just 90 days
• Daily guides to goal achievement with daily analytics based on their spending habits (AI type learning) 
• Gamification of savings making it fun & easy to save by embracing our members' behaviors

"Guac has the triple threat of experience, partners, and momentum"

- Daymond John (Shark Tank)

Metrics as of 3/1/2023

Data & Analytics that
benefit our Members

Guac has analyzed $200M+ of transactional data, allowing Guac to provide daily analytics/guidance for each member a way to track to achieve each goal on the date selected. We help them track towards goal achievement.

Guac is obtaining BIG DATA on member spending that can be monetized to partners (In process).

Press

Helping millennials, Gen Z & enterprise partners create cash faster!

The younger generation's economy is built on experiences and the perception of social value. Guac embraces these behaviors by rewarding our customers with quick goal achievement & cash back opportunities. The feeling of instant gratification & extra rewards are top priorities for the younger generation.  

Guac also provides solutions for our business partners who utilize our technology to create cash quickly in their ecosystems. These include: Insurtech, Banks & Credit Unions, Investment & Blockchain, E-Commerce & Retail, Employee Benefits & Private Deal Platforms. RAD AI CEO Jeremy Barnett speaks to the value of our technology & partnership: 

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Acquisition pipeline
—

Guac acquires customers for an industry leading $15. This is from a blend of traditional marketing, Guac’s influencer team & organic loops. Guac’s partners have requested to use Guac’s Auto-Tip in their ecosystem & in return provide free member acquisition (organic loop).

Private deal platforms: the top 2 platforms Republic & Wefunder (3M+ members) are offering Guac’s tool to new campaigns to help their members create more investment cash.

ASA financial: direct connection with the 10,000+ regional banks and credit unions that will present Guac to their members as friendly fintech (think Zelle with major banks).

Multiple revenue streams with favorable positioning  

Guac’s Auto-Tip tech creates multiple revenue streams in multiple verticals. These include Retail/E-commerce, Banking, Investing (Traditional & Crypto), Employee benefits & Insurtech. Revenue model launched in 2022 producing $1.88M in Gross Revenue Value (total value of rev generating purchases).

Total annual unit economics = $70.85, $110.85 (Insurtech) 

Insurtech

The DTC insurance vertical is a multi-billion dollar vertical that has yet to be perfected. The cost to convert millennial leads is just too expensive. Guac has built a community of members who are focused on improving their financial health & are looking for additional financial products. 

Guac is engaged with top Insurtech platforms to deliver a suite of financial products to benefit our members. Messaging has been the biggest challenge in converting the younger generation & that is our specialty. We can test this messaging with our Guac members to find the best conversions per unique group. We can continue to test at no cost and share those learning with our Insurtech partners. 

White Label (API Exposure)

Our business partners have requested access to our technology for their ecosystems. We have an agreement with Super (E-Commerce) to finalize our White Label product via API Exposure. 

We have multiple additional partners who have indicated interest in the Private Deal & Finance verticals. To lead this charge, we have brought on Jim Reboin CRO of Afficeny (Insurtech). Our White Label business projects significant revenue growth and will lead us to profitability in 2024.

M&A

Guac’s organic loops lead to White Label partnership which ultimately lead to M&A opportunities. This flow allows for low-risk engagement with each of our business partners to test Guac’s technology.

Super (E-Commerce) is a prime example. Super started using our tech via Organic Loop. Graduated to piloting our White Label product for their ecosystem & now Super’s executive team continues to express interest in a future M&A.

This example is from one vertical, but our Organic Loops & White Label partners extend into multiple verticals. We are currently targeting Finance & Banking, Insurtech, Private Deal Platforms & Travel partners who are focused on creating more cash for their members. 

$5.5T+ market 

Guac sits at the intersection of the global fintech market, which was worth $5.5T in 2019 and is projected to grow at a CAGR of 23.58%. 

Guac's technology is being utilized by multiple verticals:

The younger generation is looking for technology to make their lives easier. 7 in 10 people under the age of 55 would switch banks for a better experience. 

Guac offers more value, easier entry, and a complete savings solution

Guac offers users extra benefits usually reserved for luxury credit card holders, such as an exclusive in-app marketplace with stores that are static (not rotating offers). When compared to a traditional savings/checking account & other savings tools, Guac outperforms the competition.

Guac aligns with the younger generation by embracing & improving their established behaviors:

• Quick goal achievement focuses on “saving for the now” 
• Fearless saving with total control 
• Rewards on every partner purchase
• Security with FDIC insurance 

Guac's tech is creating merger & acquistion opportunities  

Organic loops   ->   White Label    ->   M&A

Guac’s business partners continue to request our technology for their ecosystems. Our Auto-Tip technology creates savings/cash quickly, a critical goal for each of our partners.

The first step and easiest lift is to provide our technology as an organic loop (free user acquisition). This provides a no-cost partnership to test our technology with their audience.

The next step is a White Label partnership via API exposure. This allows our tech to be utilized in our partners ecosystems while compensating us Per User, $ Saved & on Revenue Generating Purchases.

The success of our White Label partnerships will lead to M&A opportunities within each vertical.

Guac combats debt instruments like Buy Now, Pay Later

Guac promotes responsible purchasing by creating the savings/cash needed before completing a purchase:

• Creating saving $1,000 in just 90 days 

Buy Now, Pay Later products are creating more debt for the younger generation: 

• 57% of all BNPL customers regret their purchase
• 51% have reported falling behind on payments with an average debt of $883 per purchase

$3.9M raised to date

Key investors:

Daymond John (Shark Tank) | Rocket Capital
Broadshade Investments | Montauk TriGuard

—
Strategic advisors from Acorns and Honey
—

Rich Ingrassia

Rich was a key part of the original Acorns team. 

• Developed the company’s first financial models and was paramount in its initial capital raises. 
• He has joined Guac’s Board of Directors and will play an active role as the company’s Strategic Finance Advisor.  

Mike Paley, Scott Paley & Sami Khan

• Mike, Scott & Sami are Co-Founders of Staircase Digital and were instrumental in the growth of both Acorns and Honey (which was just sold to PayPal for $4B).
• They have made a strategic investment in Guac & work closely with management team and bring their user acquisition expertise to help the company grow.

Use of proceeds on $5M offering

Scott & Ryan Armstrong

The father-son founders created Guac because of a real world need. Ryan & his millennial network tested the majority of savings tools in the market but were always left disappointed. Scott & Ryan recognized the need for a savings tool that allowed users the ability to save goals quickly with total control & Guac was born.

SCOTT ARMSTRONG  |  CEO / Founder 

Business executive with over 20 years experience building, scaling & exiting companies in the finance, device and health services sectors.  Scott has executed OTC IPOs to most recently exiting an M&A with Novartis for $350M+.

RYAN ARMSTRONG  |  President / Co-Founder

Business executive and entrepreneur with experience in consulting, specializing in Sales & Marketing with a focus on social media & growth marketing.

JOHN BLUHER | CFO

John Bluher is a 20-year specialist in financial management, legal affairs & operating growing companies as CFO. Mr. Bluer specializes in preparing and structuring high growth companies to go public and later works with auditors on EC fillings.

JOHN YUZDEPSKI  |  Product Development

Co-Founder of a platform engineering company in the intelligence and national security sector. John Co-Founded RITECH a design & development company who’s worked with Microsoft, Discovery Master & ROVR.

Why Guac?

Our number one mission is to increase shareholder value by helping improve the world. We have responsible deployed invested dollars resulting in exponential growth.  

In two short years, we have grown from 15,000 users with $680k in savings to 110,000+ users with $22M+ in savings.

This current round of finance will be deployed on several new initiatives mentioned above. Each will drive further growth in preparation for Merger & Acquistion opportunities.

- Scott Armstrong CEO