About FLOW Healthspan | Redesigning Healthcare Finance

About Us

At FLOW, we believe longevity is a long journey that requires more than isolated advice or short-term fixes. People deserve to remain in control of their direction, supported by a system designed to carry them forward over decades. FLOW was created as that system-an integrated platform that brings person-centered planning, financial empowerment, and evidence-based insight together so individuals control both immediate health needs and long-term longevity with confidence.

Rather than fragment health into disconnected decisions, FLOW provides the structure that makes sustained progress possible. It enables expert guidance across domains, aligns resources with intent, and ensures that short-term actions support long-term outcomes. Our goal is not to dictate the course, but to build the infrastructure that allows each person to plan, invest, and adapt—intentionally—over time.

Operating Principles

Clarity

We reduce complex health, risk, and financial systems into signals that matter-so decisions are grounded in evidence, not noise.
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Balance

Optimization is not extremism. Sustainable progress comes from applying the right intervention, at the right dose, for the right duration.

Agency

You should understand and control the biological, behavioral, and financial systems that shape your health outcomes.
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Trust

We help anchor your decisions in first-principles science, transparent assumptions, and measurable outcomes—updating models as evidence evolves.

Longevity

Longevity is not about adding years at any cost. It is about investing in and extending lifespan and healthspan—preserving strength, cognition, resilience, and optionality across decades, particularly later in life..

Founded by Todd Schrubb

FLOW was founded by Todd Schrubb to address the structural limitations of disease-based healthcare. Applying a systems-level approach to health, longevity, and financial planning, he designed FLOW to align financial incentives around the long-term preservation of human capability.

His background includes:

Built and scaled software platforms in complex, regulated domains
Three decades in healthcare technology, spanning data, systems, and operations
xpertise in long-term financial planning, risk management, and capital structure
Advanced training in exercise physiology, including certification in training and nutrition

Founder BIO

Why Choose FLOW?

Designed Around Incentives, Not Episodes: FLOW is built to support long-term health outcomes—not short-term conditions, billing cycles, or reactive care models. Our system aligns incentives around sustained longevity improvement.
Person-Centered Planning, Not One-Size-Fits-All Programs: You design your health plan around you—your biology, goals, constraints, and priorities. FLOW enables intentional, individualized planning supported by expert guides from multiple domains.
Financial Empowerment as a Health Tool: Health outcomes are often constrained by how care is financed. FLOW restores agency by giving individuals full control over how resources are allocated—enabling proactive investment in health rather than reactive spending.
Clarity Across Complex Systems: Biology, behaviour, and finances are deeply interconnected. FLOW translates complexity into simple actionable insight—so decisions are grounded in evidence, not noise.
Clarity Across Complex Systems: Biology, behaviour, and finances are deeply interconnected. FLOW translates compBuilt for Today’s Needs and Tomorrow’s Outcomes: FLOW is designed to support immediate health needs—diagnosis, treatment, recovery, and improvement—while simultaneously planning for optimized longevity. The system intentionally manages health across time horizons, ensuring short-term actions reinforce, rather than undermine, long-term outcomes.lexity into simple actionable insight—so decisions are grounded in evidence, not noise.

Stay informed as FLOW takes shape