We empower advisors to optimize their clients' financial decisions – today and tomorrow – through clear, jargon-free visual insights.
The future of financial advice: modern, scientifically grounded, and built specifically for advisors in Germany and the USA.
Financial planning was built to predict the future.
But the future cannot be predicted. It can only be managed.
LifeOptima helps advisors make better financial decisions under uncertainty.
Instead of asking “What will happen?”, LifeOptima asks “What should we do next?”
And when circumstances change, we calculate again.
With this module, you begin building wealth already during your active working years—dynamic, holistic, and precisely aligned with your life goals:
Our software determines the strategic asset allocation for seamless inheritance planning, prepares a sustainably steady stream of consumption across the entire life cycle, and helps to systematically close the individual pension gap.
Early in the accumulation phase, the focus is on growth-oriented equity investments. As the investment horizon shortens, the portfolio automatically shifts toward fixed-income assets—achieving a risk-optimized balance between return potential and stability.
Advanced stochastic control models continuously determine optimal investment decisions under uncertainty by maximizing the discounted expected utility from consumption and bequests. Decisions are time-consistent: strategies defined today are assumed to be carried forward optimally over time.
The system evaluates not only market fluctuations and inflation, but also incorporates future income streams and potential life events (e.g., career changes).
Start now and lay the foundation for a financially secure and relaxed retirement.
Eliminate uncertainty from retirement withdrawals with our industry-leading withdrawal module:
In retirement income planning, we rely on fund-based withdrawal strategies, with or without customized life annuities, to optimally balance income stability, liquidity, and longevity risk.
Instead of rigid rules, your withdrawal strategy automatically adjusts each year—reflecting current market conditions, updated life expectancy assumptions, and remaining wealth.
Our algorithms manage payouts to ensure a sustainably constant consumption stream throughout retirement, while simultaneously accounting for bequest potential.
Our algorithms dynamically adjust withdrawals to help your clients maximize their income while minimizing longevity risk.
Behind the scenes, advanced stochastic control models maximize the discounted expected utility from consumption and bequests. Decisions are time-consistent: we assume that strategies chosen today will continue to be followed optimally in the future.
The targeted integration of life annuities provides a reliable base income and significantly reduces the impact of negative market returns.
Experience the future of retirement income planning—scientifically grounded, dynamically managed, and consistently focused on maintaining a stable standard of living in retirement.
With this module you're in full control of your financial journey—from accumulation to distribution to legacy:
Define your monthly savings rate, one-off deposits, asset allocation, withdrawal amounts, and investment horizon—tailor everything to your needs.
Set clear financial goals and track your progress in real time to make sure you stay on course.
Receive a rigorous estimate of the likelihood that your capital will last throughout the withdrawal phase—because peace of mind matters.
Specify your desired legacy and explore how different scenarios impact the amount you'll pass on.
Take charge of your wealth today — guide every dollar from the first deposit all the way to the next generation!
See how mathematically optimized financial planning elevates every client conversation.
Or start a 30-day free trial →