Build efficient portfolios around your goals

Rainmaker AI turns your objectives, constraints, and risk tolerance into an optimized, goals-based allocation across equities, ETFs, fixed income, cash, and alternatives. Instead of static model portfolios, the engine continuously evaluates the efficient frontier against live market data and your real holdings.

Every recommendation is explainable: you see why an allocation changed, the expected risk and return trade-off, and the tax impact before anything executes.

What's included

From onboarding to ongoing management, each capability removes manual spreadsheet work while keeping you in control of every decision.

• Mean-variance and goals-based optimization – Construct allocations on the efficient frontier or anchored to specific funding goals.
• Multi-account household view – Optimize across taxable, IRA, 401(k), and trust accounts as one portfolio.
• Constraint controls – Pin positions, set min/max weights, exclude sectors, and honor concentration limits.
• Tax-aware trade-offs – Weigh expected return against realized gains before rebalancing.
• Scenario comparison – Model alternative allocations side by side with projected outcomes.
• Explainable recommendations – Every change is shown with its rationale and risk/return impact.

Use cases

Whether you manage one household or thousands of accounts, these scenarios show how teams apply optimization to stay efficient and on-strategy.

• Family offices – Unify multi-entity, multi-asset portfolios under one optimized strategy.
• RIAs and advisors – Scale personalized, goals-based portfolios across every client.
• Asset managers – Maintain model portfolios that adapt to mandates and market regimes.
• Self-directed investors – Get an institutional-grade allocation tuned to personal goals.
• Retirement savers – Keep glidepaths aligned to target dates automatically.

Built-in controls and oversight

Optimization runs inside guardrails you define, with a full audit trail and human approval where you want it.

• Policy and mandate constraints enforced on every recommendation.
• Human-in-the-loop approval for trades above your thresholds.
• Full audit trail of inputs, rationale, and executed changes.
• Drift monitoring that flags allocations straying from target.
• Encryption and role-based access protecting account data end to end.