Essentials protected first
Core lifestyle spending is matched with risk-managing assets, so a bad year in the markets doesn't put the basics at risk.
Goals-based planning for financial advisors
Invest for the life your clients want, not a risk score.
GoalPath turns each client's goals into a funded plan. See what every goal costs in today's dollars, how much risk it can afford to take, and how likely it is to be met.
- Goal-by-goal funding ratios
- Monte Carlo projections
- Client-ready PDF reports
112%funding ratio
$2.4Minvestable assets
89%Monte Carlo success
Core lifestyle100%
Travel92%
Grandkids' college78%
Giving64%
Household allocation over timerisk-managing return-generating
Fully fundedCore lifestyleMatched with risk-managing assets
Years 1–30Glidepath de-risks as each goal draws near
4goal categories, from essentials to legacy
1funding ratio clients actually understand
2026federal tax brackets, RMDs and Social Security built in
PDFclient reports in one click
Why goals-based
A risk questionnaire can't tell you if a client will be okay.
Traditional allocation starts with a single risk score and one portfolio. Goals-based allocation starts with what the money is for, and lets each goal take the risk its time horizon can carry.
The traditional approach
- One risk score sets one portfolio for every need
- Success is measured against a market benchmark
- Rent money and legacy money take the same risk
- Market drops feel like threats to everything at once
The goals-based approach
- Each goal gets its own time horizon and risk budget
- Success is measured by how fully each goal is funded
- Essential spending is protected before anything else
- Clients see what their money is for, so they stay the course
Benefits
Clarity for clients. Rigor for advisors.
Everything you need to build, test and present a plan around the outcomes your clients care about.
Risk that fits the time horizon
Every goal follows a glidepath. Near-term needs de-risk as they approach, while long-dated goals stay invested for growth.
One number clients understand
The funding ratio compares assets with the present value of every goal, so "are we on track?" has a clear answer.
Better client conversations
Talk tradeoffs in plain terms: fund the travel goal fully, or give more to the grandkids' college fund? Show the effect instantly.
Tax-aware projections
2026 federal brackets, Social Security taxation, required minimum distributions and tax-efficient withdrawal order, built in.
Stress-tested with Monte Carlo
Thousands of simulated market paths show the range of outcomes, not just the average, including the years that go badly.
Four kinds of goals
Organize every dollar around what it's for.
Needs
Core lifestyle
Housing, healthcare and everyday living, in phases that can change over time.
Wants
Discretionary
Travel, a second home, the car upgrade: the things that make retirement theirs.
Loved ones
Family
Education funding, gifts to children and grandchildren, support for parents.
Legacy
Philanthropy
Annual giving and the causes they want to support for years to come.
How it works
From first meeting to finished plan in four steps.
- 1
Add the client
Age or date of birth, planning horizon and tax filing status.
- 2
Map the balance sheet
Accounts by tax treatment, liabilities, and income such as pensions and Social Security.
- 3
Define the goals
Amounts, start and end years, and inflation for each goal across the four categories.
- 4
Review and present
Allocation, glidepath, Monte Carlo, year-by-year cash flow, and a PDF report for the client.
Allocation
See the allocation behind every goal.
GoalPath discounts each goal along its glidepath and splits it into risk-managing and return-generating dollars. Add them up and you have a household allocation that is tied to real needs, with any surplus clearly identified.
- Present value of every goal, in today's dollars
- Household split between risk-managing and return-generating assets
- Minimum-volatility portfolio that still funds every goal
Monte Carlo
Know the range, not just the average.
Simulate thousands of market paths against the client's real spending schedule, after income and estimated taxes, and see how often the plan holds up and what the weak years look like.
- Probability of success across every simulated path
- Median, optimistic and pessimistic portfolio paths
- Detailed year-by-year cash flow behind the numbers
Reporting
Hand clients a report they'll actually read.
Generate a polished landscape PDF in one click, with a cover page, the client's goals and balance sheet, allocation charts, Monte Carlo results and a plain-language explanation of the method.
- Built from the live plan, so it's never out of date
- Charts and tables designed for the meeting room
- Clear disclosures and methodology included
Private by design
Your clients' data stays yours.
Client plans hold sensitive financial details, so GoalPath is built to keep them private.
Account-level isolation
Database rules ensure each advisor's clients are visible only to their own account.
Encrypted connections
Every page and every save travels over HTTPS.
Strong sign-in
Long, complex passwords are required, and passwords exposed in known data breaches are rejected.
FAQ
Questions, answered.
What is goals-based asset allocation?
Instead of choosing one portfolio from a risk score, goals-based allocation starts with each thing the money needs to pay for: living expenses, travel, family gifts, charitable giving. Each goal is valued in today's dollars and given a mix of safer and growth assets that suits how soon it's needed. The household portfolio is the sum of those goal-level decisions.
Who is GoalPath for?
Financial advisors and planners who want to build and present plans around their clients' goals, from the first discovery meeting through ongoing reviews.
How are the numbers calculated?
Every formula is documented in plain language on the Methodology page inside the app, including present-value discounting along the glidepath, the risk-managing and return-generating split, Monte Carlo simulation and the tax estimate. Capital market assumptions are yours to set.
Does it account for taxes?
Yes, at the federal level. Projections can include 2026 federal ordinary income brackets, the standard deduction, taxation of Social Security benefits, required minimum distributions, and a taxable, then traditional, then Roth withdrawal order. State taxes and capital gains rates aren't modeled yet.
Is my clients' data secure?
Each account's data is isolated by database-level access rules, all traffic is encrypted over HTTPS, and sign-in requires a strong password that hasn't appeared in known breaches.
Is GoalPath investment advice?
No. GoalPath is a planning and illustration tool for professionals. Its projections are hypothetical, depend on the assumptions you enter, and are not a guarantee of future results.
Give every client a plan built around what matters to them.
Create your account and build your first goals-based plan today.