Choose your plan
One plan covers both partners. Foundation, Momentum and Concierge are one-time purchases; Opto Plus renews until you cancel.
Foundation
Guided AI support for building a financial foundation.
one-time
- One personalized AI-guided coaching pathway
- 1 onboarding call with an Opto-trained human coach
- 6 months of access
Momentum
A full year, with extra coaching to adjust the plan over time.
one-time
- Unlimited coaching pathways to tackle broader financial goals
- 2 coaching sessions with an Opto-trained human coach
- 12 months of access
- 5 text chat conversations with a human coach per month
Concierge
RecommendedThe most support — additional human coaching and expert referrals as needed.
one-time
- Unlimited coaching pathways to tackle broader financial goals
- 4 coaching sessions with an Opto-trained human coach
- 12 months of access
- Unlimited text chats with a human coach (1-2 day response time)
- Warm intros to vetted CPAs, advisors & planners as requested
Opto Plus
Renews automaticallyEvery AI-guided coaching pathway, without human coaching.
- Unlimited AI-guided coaching pathways to tackle broader financial goals
- Shared access for both partners
- No human coaching sessions or coach chat
- Renews automatically until you cancel
Opto Plus renews automatically at the same price each month or year until you cancel. Cancel anytime from your profile, and you keep access until the period you paid for ends. By subscribing, you agree to the Terms of Use and Privacy Policy.
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Prices in USD. If your partner already bought a plan, you have full access. No need to buy again.