KaizenRhino Solutions International L3C

What KaizenRhino Solutions International L3C does

KaizenRhino Solutions International L3C is a founder-led financial education consultancy founded in 2022 and headquartered in White Sands, New Mexico, operating with a small team of 1-10 employees under founder Wacinque BeMende, who serves as Founder and Chief Poverty Consultant. The company's stated mission is to reduce to zero the nearly 4 billion globally unbanked individuals (including approximately 50 million in the US) by promoting an "Asset Ownership Standard" and onboarding individuals into its core product, the GPIA-DIV (Global Permanent Investment Account), a self-directed, lifecycle-staged investment vehicle spanning Prenatal to Bequeath stages and designed to hold owner-selected dividend-paying stocks for generational supplemental income.

The product ecosystem is anchored by GPIA-DIV, which is described as built on existing Transfer Agent platforms with AI and Blockchain enhancements for security and identity verification, and surrounded by four companion modules: GPIA-O2IFC (One$ 2 Infinity$ Financial Coach) for age-appropriate coaching; GPIA-INS for term life insurance and lifecycle risk management; GPIA-FHC (Financial Heritage Celebrations), a calendar of annual motivational events; and GPIA-WFC (Warrior Financial Coach), a specialized service for federal civil service TSP owners and military service members with TSP and/or Blended Retirement System (BRS) accounts. AI capabilities — including planned dividend-stock optimization and an AR-based visual education tool — are characterized as future development rather than deployed features.

The business model is consultative and education-driven, with professional services revenue mechanics tied to account onboarding and ongoing financial coaching. GTM is grassroots and community-led, primarily through a Change.org petition ("Local to International: Asset Ownership Standard") advocating for governmental adoption of an international asset ownership standard, supplemented by direct coaching and resource curation. No external institutional funding has been disclosed, no patents are held, and pricing is not publicly posted, indicating a bespoke, quote-based engagement model rather than a scaled transactional product.

Name

KaizenRhino Solutions International L3C

Legal name

KaizenRhino Solutions International Consultancy

Website

https://krsi-19.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

KaizenRhino Solutions International L3C is a founder-led financial education consultancy that helps unbanked and underbanked individuals build generational wealth through its GPIA-DIV dividend-stock investment account and lifecycle coaching services, primarily serving individuals, federal TSP owners, and military service members.

Ownership category

akta.pro rank

Product category

Financial Education and Coaching

NAICS

Other Financial Vehicles (525990)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industry

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH)

Keywords

• Financial education
• Financial inclusion
• Dividend investing
• Asset ownership
• Financial coaching

Headquarters

HQ city

White Sands Missile Range

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. GPIA-DIV Account Services: Services related to helping individuals open and manage Global Permanent Investment Accounts. The account may be funded by family, friends, or philanthropic individuals, organizations, institutions, and certain government agencies that support asset building for financial inclusion.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

KaizenRhino Solutions International L3C is a financial education consultancy that helps unbanked and underbanked individuals establish and manage a Global Permanent Investment Account (GPIA-DIV) holding owner-selected dividend-paying stocks intended to provide generational supplemental income. The core offering bundles the GPIA-DIV account with companion lifecycle financial coaching (GPIA-O2IFC), term life insurance (GPIA-INS), motivational annual Financial Heritage Celebrations (GPIA-FHC), and specialized coaching for federal and military personnel (GPIA-WFC).

Product overview

KaizenRhino Solutions operates as a financial education consultancy offering a unified product ecosystem centered on the GPIA-DIV (Global Permanent Investment Account) as the core platform. The GPIA-DIV is an AI and Blockchain-enhanced investment account designed for generational wealth creation through dividend-paying stocks. This core product is supplemented by four integrated service modules: GPIA-O2IFC (One$ 2 Infinity$ Financial Coach) provides age-appropriate financial education; GPIA-INS offers term life insurance for risk management; GPIA-FHC delivers motivational annual celebrations; and GPIA-WFC specializes in retirement education for federal and military personnel. Together, these offerings create a comprehensive financial inclusion ecosystem aimed at reducing unbanked populations through education, account access, and investment tools.

Differentiator

Problem solved

Functional benefit

Products and services

• GPIA-DIV (Global Permanent Investment Account) A lifecycle-based investment account (Prenatal to Bequeath) that holds any number of owner-selected dividend-paying stocks (individual, ETF, Mutual Fund, Index). Account owners add to principle and learn to use only dividend payments as supplemental income, designed to create generational wealth. Built on existing Transfer Agent platforms with AI and Blockchain enhancements for security and identity verification. Targeting unbanked and underbanked individuals, with potential funders including family, friends, philanthropic individuals, organizations, institutions, and certain government agencies.
• GPIA-O2IFC (One$ 2 Infinity$ Financial Coach) An age-appropriate, lifecycle-stage-managed financial education and coaching companion service for GPIA-DIV account owners. Provides ongoing coaching and guidance throughout the account owner's financial journey, from prenatal financial education through bequeath stage.
• GPIA-INS (Term Life Insurance) A lifecycle risk management insurance product chosen to provide protection alongside the GPIA-DIV investment account, supporting comprehensive financial planning by covering mortality risk across the lifecycle.
• GPIA-FHC (Financial Heritage Celebrations) A motivational annual event series designed to inspire GPIA-DIV account owners to stay focused on financial goals. Includes Emancipation Day (Jan 1), Freeman Bank Day (Mar 3), Financial Literacy Month (April), GPIA Day & 529 plans (May 29), Dividend Stock Month (August), Financial Planning Week (October), World Savings Day (Oct 31), and Passbook Saving Day & UJAMAA Cooperative Economics Day (Dec 29).
• GPIA-WFC (Warrior Financial Coach) A specialized financial education and coaching service tailored for federal civil service TSP owners and military service members who own TSP and/or BRS supplemental retirement options. Provides retirement-focused financial education aligned with federal and military personnel's specific account structures.

Quantifiable outcome

• Reduce unbanked and underbanked individuals from 4 billion (50M US) to ZERO
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Ameriprise Financial: Large diversified financial services firm offering advisory, brokerage, and insurance. Comparable because KRSIC's founder interned at its predecessor (IDS), and Ameriprise represents the scaled incumbent model of the financial-services career KRSIC's founder pursued.
• Dave Ramsey Solutions: Financial education media brand offering budgeting, debt, and investing coaching. Comparable as a consumer-facing financial education platform with similar mission of improving financial literacy for working-class Americans.
• Primerica: Large multi-level financial services company focused on middle-income families. Directly comparable because KRSIC's founder explicitly launched an AL Williams (now Primerica) enterprise, and both target unbanked/underbanked households with term life and investment education products.

Others

• National Endowment for Financial Education (NEFE): Non-profit foundation promoting financial literacy through research, programs, and resources. Comparable as a peer referenced in KRSIC's resource library; both operate in the financial literacy infrastructure layer.
• Khan Academy (Personal Finance): Free online education platform with a dedicated personal finance curriculum. Comparable as a widely-used free financial education resource directly linked in KRSIC's resource library and serving overlapping underbanked learners.

Direct peers

• Money Management International: Non-profit credit counseling and financial education agency serving consumers across the US. Comparable as a direct competitor in financial education, coaching, and counseling services for underbanked individuals.
• GreenPath Financial Wellness: Non-profit financial counseling and education provider serving lower-income and underbanked households. Closely comparable to KRSIC's coaching-driven, education-first delivery model for unbanked populations.

Emerging players

• Greenlight Financial Education: Fintech offering debit, investing, and financial literacy content for kids and families. Comparable because it combines an investment/savings account with structured financial education content for younger and underbanked audiences.
• Stash: Subscription investing and banking app with built-in financial education content. Comparable in bundling investing accounts with educational content targeting beginner/underbanked retail investors.
• Acorns: Micro-investing app that rounds up purchases and invests spare change into diversified portfolios. Comparable as an account-plus-education platform aimed at first-time and lower-asset investors seeking supplemental, generational wealth building.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/krsi19
• Facebookfacebook.com/KRSI19

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KaizenRhino Solutions International L3C