Welcome to OptimRisk™ — Empowering Smarter Financial Decisions
OptimRisk™ is an innovative suite of tools designed to help individual investors and financial advisors make more informed, confident financial decisions.
At the heart of every OptimRisk™ tool is a single, unifying principle: the importance of accurately assessing and deeply understanding an investor’s unique risk tolerance — their willingness to engage in actions where outcomes are uncertain and potential losses are possible.
Unlike traditional methods that rely on generic assumptions, OptimRisk™ leverages cutting-edge research and behavioral science to deliver a more precise, personalized view of each investor’s risk preferences. By capturing the nuances of how individuals perceive and respond to risk, OptimRisk™ equips users with actionable insights that enhance portfolio design, goal setting, and overall financial planning strategies.
Whether you are an individual seeking greater clarity about your financial comfort zone or a financial advisor aiming to better serve your clients, OptimRisk™ provides the science-backed foundation you need to align financial strategies with true risk preferences — driving better outcomes and greater peace of mind.
Choose Your OptimRisk™ Tool
| What’s Your Typology? |
| Learn about your risk-tolerance typology using the Grable & Lytton scale |
| Who Might Use This? |
| Anyone who wants to know more about their willingness to take financial risks. |
| Notes |
| The Grable & Lytton scale is the #1 assessment tool in use worldwide today. |
| A risk-taking typology refers to your classification or categorization based on your approach to risky financial decision-making. Your typology describes how willing you are to take risks, particularly in the context of financial, business, or personal decisions. The typology is also helpful in guiding the development of strategies that account for the risk you are willing to accept in exchange for potential returns. |
| Take the Quiz |
| Introducing the OptimRisk™ Couples Model |
| Welcome to the OptimRisk™ Couples Risk Style Quiz — a smart, science-backed way to align your financial future together. This brief quiz helps you and your partner understand your shared risk tolerance, revealing how your individual styles combine at the household level. With personalized behavioral insights, you’ll gain the clarity and confidence to make investment and financial decisions as a team—reducing conflict, enhancing communication, and building a stronger financial foundation. Ready to grow together financially? Let’s get started. |
| Take the Quiz |
| The OptimRisk™ Human Capital Stock/Bond Tool |
| Discover a smarter way to think about your financial future with the OptimRisk™ Human Capital Stock/Bond Tool—an innovative way to understand the risk-taking profile of your greatest asset: you. Whether you’re early in your career or planning for retirement, this tool helps you uncover whether your human capital behaves more like a stock (growth-oriented and variable), a bond (stable and predictable), or a balance of both. With just a few quick questions, you’ll gain personalized insight into how your job, industry, and career path shape the way you should be thinking about financial decision-making—and how that knowledge can support more confident, informed decisions. It’s fast, eye-opening, and built for real people who want to align their finances with their future. |
| Access the Tool |
Important Disclaimer Regarding OptimRisk™ Tools and Reports
The developers of OptimRisk™ do not provide financial planning, investment, legal, accounting, retirement planning, portfolio management, or any other advisory services. OptimRisk™ assessments, typologies, tools, reports, and related materials are provided strictly for informational and educational purposes. They do not constitute, and should not be interpreted as, financial advice, investment advice, legal advice, or any form of professional recommendation.
Users are solely responsible for exercising their own independent judgment in evaluating the relevance, applicability, and appropriateness of any OptimRisk™ output. This includes, but is not limited to, consideration of each user’s individual risk preferences, asset perceptions, financial knowledge, investment objectives, personal financial circumstances, and any explicit or implicit portfolio constraints. Users must also independently consider prevailing and anticipated market conditions when reviewing OptimRisk™ materials.
OptimRisk™ typologies, classifications, and modeling outputs are intended to serve as generalized frameworks or reference points. They are not individualized financial plans or investment strategies. OptimRisk™ does not account for a user’s specific investment goals, time horizon, market outlook, tax situation, or unique financial needs. Accordingly, OptimRisk™ outputs should not be relied upon as the sole basis for making investment, financial planning, or other financial decisions.
All outputs generated by OptimRisk™, including assessments, reports, and typology classifications, are intended to facilitate discussion and further evaluation with a qualified financial advisor or other licensed professional. Under no circumstances should any OptimRisk™ material be construed as a solicitation, recommendation, endorsement, or offer to buy, sell, or hold any specific security, asset, investment product, or strategy.
Use of OptimRisk™ tools and materials is at the user’s own risk. OptimRisk™ and its developers expressly disclaim any and all liability for any direct or indirect loss or damage arising from the use or reliance upon OptimRisk™ assessments, tools, reports, typologies, or related content.
By using OptimRisk™ tools, you acknowledge that OptimRisk™ and the Financial Planning Performance Lab may collect your inputs and use anonymized data for research purposes.