Optimrisk Couples Model

Welcome to OptimRisk™ — where teamwork meets smart money decisions!

This app is built to help couples and households discover their shared financial risk style. It’s not just about one person — it’s about how you work together to make confident, informed decisions for your future. Let’s get started and see how your unique strengths come together!

Partner 1, what is your name?

Partner 2, what is your name?

Before Beginning, Please Review and Agree to These Terms of Use

Terms of Use for OptimRisk™ and the OptimRisk™ Couples Model
1. No Advisory Relationship
The developers of OptimRisk™ and the OptimRisk™ Couples Model do not provide financial planning, investment, legal, accounting, retirement, portfolio management, or any other form of professional advisory services. All content, including assessments, typologies, tools, and reports provided by OptimRisk™, is intended solely for informational purposes. Nothing made available through OptimRisk™ or the OptimRisk™ Couples Model constitutes or should be interpreted as personalized investment advice, recommendations, or an offer to buy or sell any security or financial instrument.

2. User Responsibility
Users are solely responsible for evaluating and applying the information provided by OptimRisk™ and the OptimRisk™ Couples Model. This includes, but is not limited to, consideration of individual risk preferences, financial knowledge, portfolio constraints, and asset perceptions. Users must independently assess the relevance of OptimRisk™ materials in light of their personal financial circumstances, goals, and both current and anticipated market conditions.

3. Informational Nature of Outputs
OptimRisk™ typologies, classifications, and modeling outputs are designed to serve as general frameworks and should not be used as the sole basis for making investment decisions. The OptimRisk™ and the OptimRisk™ Couples Model process does not explicitly incorporate a user's financial objectives, time horizon, market outlook, or complete personal financial profile.

4. Consultation with Qualified Professionals
All OptimRisk™ outputs, including reports and assessments, are intended to support further evaluation and discussion with a qualified financial advisor. Users should seek independent financial, legal, or other professional advice before making any investment or planning decisions based on OptimRisk™ tools.

5. Data Use and Research
By using OptimRisk™ tools, you acknowledge and agree that OptimRisk™ and the Financial Planning Performance Lab may collect user input data and use anonymized and aggregated information for research and development purposes.

6. No Warranty or Liability
All OptimRisk™ services are provided “as is” without warranties of any kind, express or implied. The developers of OptimRisk™ and the OptimRisk™ Couples Model make no guarantees regarding the accuracy, completeness, or suitability of any content. Use of OptimRisk™ is at your own risk, and you agree that neither OptimRisk™ nor its developers shall be liable for any damages arising out of or related to your use of the platform.

Instructions

Today, you are both going to complete your own OptimRisk™ risk style quiz.

Try not to share your answers with your partner.
Be sure to answer every question. If you miss a question, your report will be incomplete.

{{Partner1Name:Integer;00}} you start.

When you are finished, let {{Partner2Name:Integer;00}} complete the survey.

At the end, you should both review the report.

Have fun and remember, no sharing!

How would your friends describe you?

You just hit it big at a raffle! The prize you choose is?

Three weeks before your once-in-a-lifetime vacation, you lose your job. You would:

You just got a surprise $20,000! What’s your move?

Stocks — how do you feel about them?

What’s the first word that comes to mind when you hear “risk”?

Experts say real estate, collectibles, and gold are about to boom, but your money is tied up in safe bonds. You would:

Pick your investment style — what sounds best to you?

You made an amazing investment and earned $20,000 more than expected. What’s your next move?

Imagine a sudden financial emergency hits — what’s your game plan?

The last time the markets took a dive, what was your move?

When it comes to predicting where the market’s headed, I:

When it comes to managing money at home, I:

Great job!

{{Partner1Name:Integer;00}}, it is time for {{Partner2Name:Integer;00}} to complete the quiz.

Remember, no sharing.

{{Partner2Name:Integer;00}}, it is your turn.

Remember, don't talk to {{Partner1Name:Integer;00}} about their or your answers.

Have fun.

How would your friends describe you?

You just hit it big at a raffle! The prize you choose is?

Three weeks before your once-in-a-lifetime vacation, you lose your job. You would:

You just got a surprise $20,000! What’s your move?

Stocks — how do you feel about them?

What’s the first word that comes to mind when you hear “risk”?

Experts say real estate, collectibles, and gold are about to boom, but your money is tied up in safe bonds. You would:

Pick your investment style — what sounds best to you?

You made an amazing investment and earned $20,000 more than expected. What’s your next move?

Imagine a sudden financial emergency hits — what’s your game plan?

The last time the markets took a dive, what was your move?

When it comes to predicting where the market’s headed, I:

When it comes to managing money at home, I:

Nicely done!

Click the save and continue button to access your OptimRisk™ report.

Awesome work — you crushed it!
Now, let’s dive into your household’s financial risk-taking style.
As you review your results, keep in mind everything you see is personalized based on your answers to the OptimRisk™ questions. This is all about you and your unique approach to financial decisions.

To learn more about your risk-taking style, you might find if helpful to work with a financial advisor or financial therapist. Doing so can be a great way to build even more confidence as you plan, invest, and move toward your goals together!

Interpreting Your Score

The OptimRisk™ scoring system runs on a scale from 1 to 50 — where lower scores signal risk aversion and higher scores indicate a greater appetite for risk.

Here's information about you individually:

{{Partner1Name:Integer;00}}, your individual OptimRisk™ risk-tolerance score is: {{Partner1OptimRiskScore:Decimal;0.0}}.

A financial advisor would likely classify you as a {{P1Category:Integer;00}} investor.

{{Partner2Name:Integer;00}}, your individual OptimRisk™ risk-tolerance score is: {{Partner2OptimriskScore:Decimal;0.0}}.

If you asked a financial advisor, they would say you are a {{P2Category:Integer;00}} investor.

Now let's look at your household level risk-taking style:

Based on OptimRisk™ algorithms, your combined risk-taking style is: {{HouseholdOptimriskScore:Decimal;0.0}}

Your score classifies you as {{HouseholdOptimRiskTypology:Integer;00}}. Together, you {{HouseholdTypologyDescription:Integer;00}}

Here's some additional information that might be helpful.

Based on how you answered the OptimRisk™ questions, {{AbilityComposureFeedback:Integer;00}}

Additionally, {{Partner1Name:Integer;00}} and {{Partner2Name:Integer;00}}, {{ConfidenceFeedback:Integer;00}}

We hope you had a great time with this OptimRisk™ experience! Getting a better handle on your household’s risk-taking style is a big win — and hopefully, you picked up a few new insights about your partner along the way too. Thanks for being part of this journey with us!