Your Goals, Powered by Science

Goal Based Investing means that you get to decide:

  • the minimum essential amount of money (downside floor) you need to accomplish your goal
  • the target upside amount of money  to accomplish your goal
  • the target date of the goal

The investment engine’s job is to try to get you to your target upside income or wealth level by your target date but without violating your minimum essential income or wealth level.

We're Nerdy about portfolio construction

Our powerful scientific, data-driven algorithms build broadly diversified institutional-strength portfolios that are time-tested, tax efficient and based on Nobel-prize winning academic research including the industry standard benchmark S&P500®.

ALL clients regardless of account size, have access to exactly the same optimized investment strategies – directly holding hundreds of stocks across the US stock market, following “best-practice” portfolio construction techniques.

Learn more

One-click control over downside

Pick your downside floor dollar level and your target upside dollar level, and our Goal Optimizing Outcome Shaping Engine algorithm does the rest – automatically allocating between expertly designed stock and bond portfolios to maximize the chances of hitting your upside target without ending up below your downside floor.

Pick your favorite analogy – think of it as a self driving car, adaptive cruise control or an airplane auto-pilot for your investment account, but remember that you’re always in control at all times!

Learn MoreTry it now

Low Institutional type Fees - 0.50%, all-in!

Because we directly plug into the backbone of the financial broker-dealer’s network we can scale just like a big institutional investor! You’ll love our radically transparent, Flat-rate, no-gimmicks, no-games pricing. All you pay is one flat annual fee of one half percent.

The annual management fee includes everything including unlimited trading and there are no commissions or trading fees. If we use ETFs or Mutual Funds, we’ll even credit you back the management fees they charged you!

It’s no wonder we call it radically transparent pricing!

Learn more


We act as the advisor on your account, which is always held at a FINRA regulated broker-dealer and qualified custodian, and your investments are protected by the SIPC up to $500,000. For details, please see

We take security seriously, and your personal information is fully encrypted and securely stored.

And, we have been designing portfolios for large institutions since 2013 …


Billion in assets under advisement


million in Discretionary AUM

World class companies work with us

How it all works

  • Your account value and settings are regularly monitored for changes
  • We compute your risk budget from your account, upside and downside levels
  • The engine reallocates to a mix of stocks and bonds
  • The rebalancer generates trades as needed

You can update your downside floor and upside target, change strategies, liquidate a strategy to generate cash, use available cash to make new allocations to a strategy, or transfer cash between a linked bank and your Optimal account at any time – all at zero cost. Your trades are usually implemented the very next business day and there are never any commissions or other trading fees!

Learn more

Optimal’s rebalancing engine is continually working to maximize the probability of reaching your upside target without violating your downside protection goal

Support: Live, friendly and human!

Live, clueful, oversight and assistance when you need it
(doing what humans do best)


Automated investing with Intelligent algorithms
(doing what computers do best)

Talk to us!

We're In The Press

Financial Advisor Mag
Fund Intelligence
The Business Journals
Plan Adviser
Wealth Adviser