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AI-Powered Wealth Management

An AI that actually knows your money.

Connect your accounts and ask anything. Optionality reads your real balances, tax situation, and goals to give you advice that is specific to you, not generic tips pulled from the internet.

Ask your AI
No credit card required. Set up in under 2 minutes.
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How It Works.

Three steps to an AI that truly understands your finances.

1

Quick Onboarding

A 2-minute setup. Tell us about your income, expenses, and financial goals. The AI uses this as the foundation for every single recommendation.

2

Connect Your Accounts

Securely link your brokerages and bank accounts through Plaid and SnapTrade. Real data means genuinely useful answers.

3

Chat With Your AI

Ask anything about your finances and get personalized, actionable answers on retirement planning, tax strategy, investment allocation, and beyond.

Personalized Analysis

Advice based on your real numbers.

Ask any financial question and get answers that reference your actual salary, contribution rates, employer match, and tax situation. Every response is grounded in your real numbers.

The AI calculates specific dollar amounts and tax implications for your situation, so you can make every decision with full confidence.

Ask your AI →
Optionality AI
Knows your full financial context
Should I increase my 401k contribution?
Great question. Let me look at your situation.

Your salary is $165,000 and you're currently contributing 6% ($9,900/year). Your employer matches 50% of the first 6%, so you're getting the full $4,950 match.

I'd suggest increasing to at least 10% ($16,500/year). Here's why:

• The extra $6,600/year grows tax-deferred
• At your marginal rate (24%), that saves you roughly $1,584 in federal taxes this year
• After 25 years at 7% average returns, that extra contribution alone could grow to ~$425K
✓ Bottom line: You can afford the increase. Your monthly take-home would drop by about $412 after the tax savings, but you'd be building significantly more long-term wealth.
Financial Health Check

Honest assessments of where you stand.

Get a clear picture of how your finances compare to benchmarks for your age and income level. The AI highlights what you are doing well and where you should focus next.

No sugar-coating. The AI surfaces specific gaps in your plan and gives you actionable steps to close every one of them.

Get your health check →
Optionality AI
Analyzing your financial health
How am I doing compared to where I should be at 34?
Let me break this down for you.

Your net worth is $340,000. The median net worth for Americans aged 30-34 is around $100K, so you're well ahead of the curve.

• Your savings rate is 27%, which is excellent (most people save under 10%)
• Your investment allocation is reasonable with 72% equities
• Your debt-to-income ratio is healthy at 0.15
⚠ Emergency fund is low. You have 1.8 months of expenses saved in cash. The recommended target is 6 months ($28,200 for your spending level). Consider building this up before increasing investment contributions.
✓ Overall: You're ahead of most people your age. Priority #1 should be building your emergency fund to at least 3 months, then resume maximizing tax-advantaged accounts.
Multiple Perspectives

Multiple investor perspectives.

Choose from personas inspired by Warren Buffett, Ray Dalio, Charlie Munger, Bill Ackman, Cathie Wood, and more. Each one analyzes your finances through their own investment philosophy.

Want a value investing perspective on your portfolio? Ask Buffett. Curious about risk parity? Switch to Dalio. You can also create a custom persona based on your own principles.

Try all personas free →
Optionality AI
Choose your perspective
What would Buffett think of my portfolio?
Switching to Buffett-inspired perspective. Looking at your holdings, I see 14 individual stocks across 8 sectors. Buffett would likely say you're over-diversified for someone picking stocks. He prefers concentrated bets on businesses you truly understand.
Buffett inspired ▾
Ask about your portfolio...
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Choose your perspective
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Buffett
Inspired
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Dalio
Inspired
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Munger
Inspired
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Ackman
Inspired
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C. Wood
Inspired
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Your Own
Ask your AI
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Why not just use ChatGPT?

ChatGPT does not know your finances

It guesses based on what you paste in. Optionality reads your real accounts, balances, and transaction history automatically, so every answer reflects your actual situation.

Generic AI hallucinates numbers

Optionality grounds every answer in your actual data. When it says you owe $4,200 in estimated taxes, that number comes from your real income and withholdings, not a rough approximation.

Financial advisors cost $5K+/yr

And most are not available at 11pm when you have a question about a stock, a tax deadline, or whether you can afford that house. Optionality is ready whenever you are.

DIY research takes hours

Optionality already knows your tax bracket, account types, contribution limits, and goals. Ask a question and get a specific answer in seconds instead of spending hours searching forums.

Frequently Asked Questions.

Is my financial data safe?
Yes. All data is encrypted with 256-bit AES at rest and in transit. Account connections go through Plaid and SnapTrade, which provide read-only access. We can never move money, execute trades, or make changes to any of your accounts.
What does the free tier include?
The free tier includes AI conversations, net worth tracking, and basic financial analysis. Premium unlocks unlimited AI conversations, tax optimization, advanced scenario modeling, and additional features.
How long does setup take?
Under 2 minutes. Fill in a few details about your income and goals, connect your accounts, and you are ready to start chatting with the AI.
Does it work outside the US?
Yes. Optionality supports users in 30+ countries with multi-currency support. It is also built to handle expat situations with accounts and tax obligations across multiple countries.
Do I need to connect my accounts?
No. You can enter your financial information manually if you prefer. Connecting accounts simply keeps your data up to date automatically and gives the AI more context to work with.

Stop guessing, start asking.

Join thousands of people who use Optionality to make smarter financial decisions every day. Free to start and takes under two minutes to set up.

Ask your AI
Bank-level encryption Read-only access No credit card