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OnPointe Software vs Nitrogen
Short answer: OnPointe Software is best for independent and hybrid advisors who want lower-cost risk scoring and proposals, fia and iul illustration in retirement plans, or an optimizer across many tamp strategies; Nitrogen is best for risk-tolerance conversations and proposals. On price, OnPointe Software is From $50/user/mo and Nitrogen is From $99/mo per Center (annual) (as of October 30, 2026). Book demos of both and test them on your real workflow.
OnPointe Software and Nitrogen (formerly Riskalyze) both sell risk-tolerance questionnaires, portfolio risk scores and proposals to advisors, and OnPointe markets itself to Riskalyze users. The buying decision comes down to price model, AI and product mix. OnPointe charges per user per month and, since October 28, 2026, includes Otto, an AI assistant and portfolio optimizer that builds allocations from your own models. Nitrogen sells separate Centers on annual terms, led by Risk Center, with its Nucleus AI engine running across the suite.
| OnPointe Software | Nitrogen | |
|---|---|---|
| What it is | Risk analysis, proposal and retirement income software for advisors, with Otto, an AI assistant and multi-factor portfolio optimizer. | Suite for risk tolerance, proposals and retirement readiness (formerly Riskalyze). |
| Best for | Independent and hybrid advisors who want lower-cost risk scoring and proposals, FIA and IUL illustration in retirement plans, or an optimizer across many TAMP strategies | Risk-tolerance conversations and proposals |
| Category | Portfolio analytics & proposals | Portfolio analytics & proposals |
| Free option | Free 7-day trial on per-user plans; 10-day free trial of the AI optimizer. | None listed |
| Starting price | From $50/user/mo | From $99/mo per Center (annual) |
| Key capabilities |
|
|
| Skip it if | You need full cash-flow, tax and estate planning, or you're a fee-only RIA that never uses annuity or insurance products. | You only need portfolio reporting, not proposals or risk scoring. |
| Details | OnPointe Software overview | Nitrogen overview |
Key differences
From each vendor's own site, checked October 30, 2026.
| OnPointe Software | Nitrogen | |
|---|---|---|
| Price model | Per user per month: $50 (Light), $100 (Recommended), or $99 and $129 on a second grid that adds the Retirement Planner; Company Plan custom | Per Center per month on annual terms: Risk Center $199, Research $149, Income, Tax, Legacy and Insurance $99 each; bundle $495 |
| Free trial | 7-day trial on per-user plans; 10-day trial of the AI optimizer | None listed on the pricing page; book a demo |
| Risk scoring | Unlimited risk questionnaires, Investment Quick Score lead tool, Monte Carlo and stress testing | Risk tolerance questionnaire, portfolio risk, stress tests, scenarios and heatmaps; Risk Engine supports The Risk Number and Riskalyze GPA |
| AI | Otto: explains on-screen figures, runs what-ifs and optimizes across your models and TAMP strategies within plain-language rules; three capability tiers | Nucleus: analyzes 1040s, extracts PDF statements and compares current and proposed portfolios; ISO 42001 certified AI management framework, per Nitrogen |
| Statement intake | AI account statement parser | Statement capture in Risk Center |
| Retirement and insurance | Retirement Planner with FIAs, income riders and IUL borrowing; FIAs inside portfolios | Income Center for retirement income; Insurance Center scores life and long-term care coverage |
| Tax | Not a stated feature | Tax Center turns a 1040 into a client tax snapshot |
| AI records | Says every Otto conversation is on the record | Not stated on the pricing page; ask |
Choose OnPointe Software if
- You want risk scoring and proposals at a published per-user price, with a trial you can start today.
- You allocate across many TAMP or third-party strategies and want an optimizer that works from your own lineup and rules.
- You illustrate fixed indexed annuities or IUL inside retirement income conversations.
Choose Nitrogen if
- Your firm already speaks the Risk Number with clients and wants the methodology it was built on.
- You want tax, legacy and insurance analysis from the same vendor, bought Center by Center.
- You're at a broker-dealer that negotiates firm pricing with Nitrogen.
Related
About OnPointe Software
OnPointe Software, based in Fort Myers, Florida, makes OnPointe Risk Analyzer and a Retirement Planner for financial professionals. Risk Analyzer covers unlimited risk questionnaires, an Investment Quick Score lead-generation tool, model portfolios, portfolio comparison, client reports, custom asset import, a Proxy Finder and Monte Carlo and stress testing, and lets advisors add fixed indexed annuities (FIAs) to portfolios. On October 28, 2026 OnPointe launched Otto, an AI assistant and multi-factor portfolio optimizer built into Risk Analyzer. OnPointe says Otto explains the figures on screen (risk score, growth, drawdown, Sharpe and Calmar), shows what-if changes side by side, reads the client's risk questionnaire and builds allocations from the advisor's own models, funds and imported assets within rules the advisor sets in plain language, such as position limits and manager caps, and that it was designed for advisors who mix 10, 20 or 30+ TAMP or third-party strategies. Otto is provisioned in three capability tiers, from review-only to open-market construction, and OnPointe says every conversation is on the record. Its market views come from TacticalMind AI consensus data through an exclusive partnership. Otto follows OnPointe's AI statement parser and AI Portfolio Analysis tool. The Retirement Planner (the "5-Minute Retirement Plan") charts income, assets, life expectancy and the retirement income gap, and OnPointe says it is the only software that builds FIAs, FIAs with income riders and IUL tax-free borrowing into a plan.
Check before choosing OnPointe Software
- Confirm which pricing grid and which Otto capability tier your quote includes
- Ask how Otto conversation records are stored and exported for your books-and-records policy
- Ask for risk-score methodology documentation for your due-diligence file
About Nitrogen
Nitrogen (formerly Riskalyze) sells its software as separate Centers. Risk Center covers the risk tolerance questionnaire, statement capture, proposals, a lead-gen questionnaire, portfolio risk, stress tests, 401(k) and IPS reports; Research, Income, Tax (turns a 1040 into a client tax snapshot), Legacy and Insurance Centers add research, retirement income, tax, next-generation and coverage analysis. Its Nucleus AI engine runs across the suite, for example analyzing a 1040, extracting a PDF statement and comparing current and proposed portfolios, and Nitrogen says it operates within an ISO 42001 certified AI management framework. Its Risk Engine lets firms build The Risk Number and Riskalyze GPA methodologies into their own workflow. Riskalyze's old website now redirects to Nitrogen.
Check before choosing Nitrogen
- All prices are on annual terms
- Buy only the Centers you'll use, or compare the bundle
- Ask about broker-dealer pricing
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FAQ
OnPointe Software vs Nitrogen: which is better for financial advisors?
OnPointe Software is best for independent and hybrid advisors who want lower-cost risk scoring and proposals, fia and iul illustration in retirement plans, or an optimizer across many tamp strategies; Nitrogen is best for risk-tolerance conversations and proposals. On price, OnPointe Software is From $50/user/mo and Nitrogen is From $99/mo per Center (annual) (as of October 30, 2026). Book demos of both and test them on your real workflow.
What is the difference between OnPointe Software and Nitrogen?
OnPointe Software: Risk analysis, proposal and retirement income software for advisors, with Otto, an AI assistant and multi-factor portfolio optimizer. Nitrogen: Suite for risk tolerance, proposals and retirement readiness (formerly Riskalyze).
Is OnPointe Software or Nitrogen cheaper?
On price, OnPointe Software is From $50/user/mo and Nitrogen is From $99/mo per Center (annual) (as of October 30, 2026).
Is OnPointe cheaper than Nitrogen?
On list price, usually. OnPointe's pricing page shows per-user plans from $50 to $129 a month; Nitrogen's Risk Center is $199 a month on an annual term and the full bundle is $495 a month (both checked October 30, 2026). Compare total cost for your number of users, since OnPointe prices per user and Nitrogen per Center.
What is the difference between Otto and Nucleus?
OnPointe says Otto explains the figures on screen and builds optimized allocations from your models, funds and imported assets within rules you set. Nitrogen describes Nucleus as an engine that runs workflows such as 1040 analysis, statement extraction and current-vs-proposed comparisons. Both are vendor descriptions; test them on a real prospect file.
Can I keep using the Risk Number if I switch?
The Risk Number and Riskalyze GPA are Nitrogen methodologies. If you move to OnPointe, clients get OnPointe's own risk score, so plan how you'll explain the change and document it for compliance.
Do I need compliance sign-off for AI-built allocations?
Yes. Treat Otto or Nucleus output as a draft recommendation, keep the record, and make sure your suitability or best-interest documentation reflects the advisor's own judgment.