Heleum is back!

News Nov 21, 2022

Heleum is back with a goal to help 1 million people create early retirement plans in the next 10 years!

As many of you know, we started in 2017 trading cryptocurrencies and thousands of users invested their own money. Just one month later, the crypto market started crashing and most users lost almost everything. As much as we wanted it to be, it wasn't the right solution for the time, so we turned it off in early 2019, never giving up on coming back and taking care of our users.

Here's what changed: For the last 15 years, my family has been helping 1,000s of people build retirement plans using specific types of life insurance accounts that are invested in ways that outperform the S&P 500. However, a few months ago, we figured out how to get 2-5x more growth in these accounts, so instead of getting 6-10% per year, someone could grow their tax-free retirement fund at 12-50% per year. Out of the box:

  • They have life insurance attached, so from the start you can have a permanent death benefit of 200,000 or more in case you pass away unexpectedly.
  • You can pull these funds out early for critical illness, terminal illness, or long-term care.
  • Because the returns in the account are insured, they can't lose money even if the market crashes.
  • Funds are held and invested by a mutual company founded in 1880 with a 100% reserve, better than FDIC.
  • Managed by a fiduciary investment adviser, who you get to meet with for free as part of this service to build a custom plan for you.

US residents can sign up on the home page or anywhere on our site and once you create your account, you can try out the calculator at heleum.com/retire.

Here's our long-term plan:

  • Get over 1 million members in the next 10 years, which will make this one of the first trillion-dollar apps.
  • Start a fund/liquidity pool (possibly with a DAO) from 50% of the amounts we are paid by partners. Individuals globally will be able to contribute to this fund for a 10-20% annual return.
  • Investors and members will get ownership in the fund, to make decisions on how Heleum runs, who gets incentives, and when.
  • This will gradually pay out to past Heleum users, starting with whoever creates a new account. Once all paid out, will continue to pay out bonuses to Heleum members and fund investors.
  • Build a web and mobile app to help people onboard, connect their bank, track their account application, and their account and loan balances, and additional investment options offered over time.
  • Work with thousands of small businesses to launch plans for their owners and employees with up to a 10% match and auto-pay to make long-term retirement savings effortless.

We're excited to be back and while we have a long road to walk to build trust, we're finally ready with all the skills we need to make this successful, no matter what the market does. Please create a free account and take a look at our early retirement calculator here. This is just the first step on a long journey ahead. Let's think more deeply together.


Pace Ellsworth, Heleum Founder