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OnPointe Software
In one line: Risk analysis, proposal and retirement income software for advisors, with Otto, an AI assistant and multi-factor portfolio optimizer.
| 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 |
|---|---|
| Category | Portfolio analytics & proposals |
| Free option | The vendor offers a free 7-day trial on per-user plans and a 10-day free trial of the AI optimizer. |
| Pricing | From $50/user/mo · See all plans (as of October 30, 2026) |
| Website | onpointesoftware.com/ |
| Last checked | October 30, 2026 |
What it does
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.
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Alternatives to OnPointe Software
Nitrogen
Risk-tolerance conversations and proposals
Kwanti
Prospect proposals from uploaded statements
StratiFi
Firms that want statement-to-proposal workflows plus automated compliance monitoring
YCharts
Research, charts and model-portfolio proposals
Income Lab
Advisors whose clients mostly ask retirement income, Roth conversion and Social Security questions
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From the blog
FAQ
What is OnPointe Software?
Risk analysis, proposal and retirement income software for advisors, with Otto, an AI assistant and multi-factor portfolio optimizer.
Who is OnPointe Software 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. It is in our portfolio analytics & proposals category.
How much does OnPointe Software cost?
As of October 30, 2026, OnPointe Software's website lists: OnPointe "Light", $50/user/month; Recommended, $100/user/month; Minimalist, $99/user/month; Recommended (with Retirement Planner), $129/user/month; Company Plan, Contact vendor.
What are alternatives to OnPointe Software?
Nitrogen, Kwanti, StratiFi, YCharts, Income Lab.