Quick Overview
- 1#1: eMoney Advisor - Provides holistic financial planning, account aggregation, and client engagement tools for advisors.
- 2#2: MoneyGuidePro - Delivers interactive, goal-based financial planning with scenario analysis and client collaboration features.
- 3#3: RightCapital - Offers modern, cloud-based financial planning with real-time tax and Social Security projections.
- 4#4: Orion Advisor Tech - Combines portfolio management, performance reporting, and financial planning in an integrated platform.
- 5#5: Black Diamond Wealth Platform - Supports portfolio accounting, customizable reporting, and planning workflows for high-net-worth advisors.
- 6#6: Addepar - Enables data aggregation, analytics, and advanced planning for complex multi-asset portfolios.
- 7#7: Advyzon - Integrates financial planning, CRM, billing, and reporting in an all-in-one platform for RIAs.
- 8#8: Holistiplan - Automates tax planning and optimization to uncover tax alpha opportunities for clients.
- 9#9: ProjectionLab - Provides customizable, Monte Carlo-based financial planning models for retirement and cash flow scenarios.
- 10#10: Snap Projections - Facilitates scenario-based cash flow forecasting and retirement planning for advisors and clients.
These tools were chosen based on feature depth (including advanced analytics and client collaboration), platform reliability, ease of use, and ability to address diverse advisor needs, from solo practices to high-net-worth specialists.
Comparison Table
Navigating financial advisor planning software requires careful evaluation, and this comparison table simplifies the process by exploring leading tools like eMoney Advisor, MoneyGuidePro, RightCapital, Orion Advisor Tech, Black Diamond Wealth Platform, and more. Readers will discover key features, usability, and suitability for diverse practice needs, enabling informed choices to elevate client financial planning.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | eMoney Advisor Provides holistic financial planning, account aggregation, and client engagement tools for advisors. | enterprise | 9.6/10 | 9.8/10 | 8.9/10 | 9.2/10 |
| 2 | MoneyGuidePro Delivers interactive, goal-based financial planning with scenario analysis and client collaboration features. | enterprise | 9.2/10 | 9.5/10 | 8.7/10 | 8.8/10 |
| 3 | RightCapital Offers modern, cloud-based financial planning with real-time tax and Social Security projections. | specialized | 9.1/10 | 9.3/10 | 9.6/10 | 8.7/10 |
| 4 | Orion Advisor Tech Combines portfolio management, performance reporting, and financial planning in an integrated platform. | enterprise | 8.8/10 | 9.0/10 | 8.7/10 | 8.5/10 |
| 5 | Black Diamond Wealth Platform Supports portfolio accounting, customizable reporting, and planning workflows for high-net-worth advisors. | enterprise | 8.7/10 | 9.2/10 | 7.9/10 | 8.3/10 |
| 6 | Addepar Enables data aggregation, analytics, and advanced planning for complex multi-asset portfolios. | enterprise | 8.7/10 | 9.3/10 | 7.4/10 | 7.9/10 |
| 7 | Advyzon Integrates financial planning, CRM, billing, and reporting in an all-in-one platform for RIAs. | enterprise | 8.2/10 | 8.7/10 | 7.6/10 | 7.4/10 |
| 8 | Holistiplan Automates tax planning and optimization to uncover tax alpha opportunities for clients. | specialized | 8.2/10 | 8.4/10 | 8.8/10 | 8.9/10 |
| 9 | ProjectionLab Provides customizable, Monte Carlo-based financial planning models for retirement and cash flow scenarios. | specialized | 8.2/10 | 8.0/10 | 9.4/10 | 8.3/10 |
| 10 | Snap Projections Facilitates scenario-based cash flow forecasting and retirement planning for advisors and clients. | specialized | 8.2/10 | 8.0/10 | 9.2/10 | 8.5/10 |
Provides holistic financial planning, account aggregation, and client engagement tools for advisors.
Delivers interactive, goal-based financial planning with scenario analysis and client collaboration features.
Offers modern, cloud-based financial planning with real-time tax and Social Security projections.
Combines portfolio management, performance reporting, and financial planning in an integrated platform.
Supports portfolio accounting, customizable reporting, and planning workflows for high-net-worth advisors.
Enables data aggregation, analytics, and advanced planning for complex multi-asset portfolios.
Integrates financial planning, CRM, billing, and reporting in an all-in-one platform for RIAs.
Automates tax planning and optimization to uncover tax alpha opportunities for clients.
Provides customizable, Monte Carlo-based financial planning models for retirement and cash flow scenarios.
Facilitates scenario-based cash flow forecasting and retirement planning for advisors and clients.
eMoney Advisor
enterpriseProvides holistic financial planning, account aggregation, and client engagement tools for advisors.
Household View, offering unparalleled aggregation and visualization of all family member accounts in one unified dashboard.
eMoney Advisor is a leading enterprise-grade financial planning platform that empowers advisors with holistic wealth management tools, including advanced scenario modeling, goal-based planning, and household-level data aggregation. It features the intuitive Decision Center client portal for interactive plan reviews and collaboration, alongside seamless integrations with custodians like Schwab, Fidelity, and Pershing. The software excels in providing a 360-degree view of client finances, enabling personalized advice and long-term strategy optimization.
Pros
- Comprehensive householding and data aggregation for multi-account visibility
- Powerful Monte Carlo simulations and dynamic scenario planning
- Robust client portal fostering engagement and self-service
Cons
- High cost limits accessibility for solo or small practices
- Steep learning curve despite intuitive interface
- Reporting customization can feel rigid for advanced users
Best For
Large advisory firms and enterprise teams managing complex, high-net-worth client portfolios requiring integrated planning and client collaboration.
Pricing
Custom enterprise pricing, typically $8,000–$15,000+ per advisor annually, with discounts for multi-user licenses.
MoneyGuidePro
enterpriseDelivers interactive, goal-based financial planning with scenario analysis and client collaboration features.
Decision Center for dynamically prioritizing and adjusting client goals based on real-time scenarios
MoneyGuidePro is a comprehensive financial planning software designed for advisors to build interactive, goal-based plans covering retirement, education, and major purchases. It features advanced Monte Carlo simulations, scenario modeling, and a client portal for real-time collaboration. The platform integrates with CRMs and custodians, enabling seamless data flow and engaging client presentations.
Pros
- Powerful goal-based planning with prioritized Decision Center
- Robust Monte Carlo risk analysis and what-if scenarios
- Strong client engagement via interactive portal and mobile app
Cons
- Steep learning curve for new users
- High pricing for smaller firms
- Limited flexibility in custom reporting
Best For
Established financial advisory firms focused on holistic, client-centric planning with high client interaction.
Pricing
Custom enterprise pricing, typically $2,000-$5,000 per advisor annually depending on assets under management and features.
RightCapital
specializedOffers modern, cloud-based financial planning with real-time tax and Social Security projections.
Interactive client portal with real-time 'what-if' scenario collaboration
RightCapital is a cloud-based financial planning software tailored for financial advisors, offering interactive tools for retirement projection, cash flow modeling, tax planning, Social Security optimization, and goal-based scenarios. It emphasizes client engagement through a modern, visual dashboard and collaborative portal where clients can explore 'what-if' scenarios in real-time. The platform integrates with custodians, CRMs, and account aggregators to provide holistic planning experiences.
Pros
- Intuitive, modern interface with drag-and-drop functionality
- Powerful client portal for collaborative planning sessions
- Comprehensive Monte Carlo simulations and decumulation-focused retirement tools
Cons
- Data aggregation lags behind competitors like eMoney
- Advanced estate and insurance planning modules are less robust
- Pricing scales up quickly for larger firms
Best For
Financial advisors seeking an easy-to-use platform for client-facing, visual retirement and goal-based planning.
Pricing
Starts at $125/advisor/month (Pro plan); scales to $200+/month for Enterprise with unlimited clients and advanced integrations.
Orion Advisor Tech
enterpriseCombines portfolio management, performance reporting, and financial planning in an integrated platform.
Universal Account View for real-time, custodian-agnostic portfolio aggregation and performance analytics
Orion Advisor Tech is a robust platform for financial advisors, specializing in portfolio management, performance reporting, and integrated financial planning tools. It aggregates real-time data from multiple custodians into a unified dashboard, enabling advisors to track client portfolios, generate detailed reports, and perform goal-based planning with cash flow analysis and scenario modeling. The software also includes client portals, billing automation, and CRM integrations to streamline advisory workflows.
Pros
- Seamless multi-custodian data aggregation and real-time reporting
- Comprehensive financial planning with goal tracking and scenario analysis
- Intuitive advisor dashboard and mobile accessibility
Cons
- Pricing can be steep for smaller firms
- Advanced customization options are limited
- Steeper learning curve for non-tech-savvy users
Best For
Mid-sized to large RIAs needing integrated portfolio management, reporting, and planning for high-net-worth clients.
Pricing
Custom AUM-based pricing, typically $1.25-$2.00 per $1,000 AUM annually, with minimums around $10,000-$25,000 per year.
Black Diamond Wealth Platform
enterpriseSupports portfolio accounting, customizable reporting, and planning workflows for high-net-worth advisors.
Advanced householding engine that unifies reporting across multi-generational family accounts and diverse custodians
Black Diamond Wealth Platform is a robust enterprise-level wealth management solution tailored for financial advisors, providing advanced portfolio reporting, performance analytics, data aggregation from multiple custodians, and integrated financial planning tools. It enables advisors to deliver customized client reports, manage householded accounts across complex family structures, and facilitate billing, rebalancing, and client engagement via a secure portal. While strong in reporting and CRM integration, its planning module supports scenario analysis but is secondary to its core portfolio management strengths.
Pros
- Exceptional customizable reporting and performance analytics
- Seamless data aggregation across custodians and householding for complex portfolios
- Scalable for mid-to-large RIAs with strong CRM and client portal integration
Cons
- Steep learning curve and complex setup for smaller firms
- High cost prohibitive for solo advisors or small practices
- Financial planning tools are capable but not as intuitive or deep as dedicated planners
Best For
Mid-to-large RIAs and enterprise advisory firms managing high AUM who prioritize sophisticated reporting and portfolio oversight over standalone planning.
Pricing
Custom pricing based on AUM, typically 10-25 bps (declining scale); minimums start around $10,000-$50,000 annually for smaller users.
Addepar
enterpriseEnables data aggregation, analytics, and advanced planning for complex multi-asset portfolios.
Seamless aggregation and normalization of data from 1,000+ sources into a single, reconciled household view
Addepar is a comprehensive wealth management platform designed for financial advisors, specializing in data aggregation, portfolio accounting, advanced reporting, and analytics across complex, multi-asset portfolios including alternatives and private investments. It unifies data from over 1,000 custodians and sources, enabling accurate performance tracking, risk assessment, householding, and customizable client portals. While it includes planning capabilities like scenario modeling and goal tracking, its core strength lies in back-office efficiency and sophisticated analytics rather than standalone retail financial planning.
Pros
- Exceptional data aggregation and reconciliation from thousands of sources for accurate, real-time portfolio views
- Advanced analytics including performance attribution, risk modeling, and alternatives support
- Highly customizable reporting and client portals for professional advisor-client interactions
Cons
- Steep learning curve and complex interface requiring significant training
- High enterprise-level pricing not suitable for small firms
- Planning tools are solid but less intuitive than dedicated planners like eMoney or RightCapital
Best For
RIAs and advisors managing high-net-worth clients with complex, multi-custodian portfolios needing robust reporting and analytics alongside planning.
Pricing
Custom enterprise pricing based on AUM; typically starts at $50,000+ annually for mid-sized firms, with per-AUM fees around 5-15 bps.
Advyzon
enterpriseIntegrates financial planning, CRM, billing, and reporting in an all-in-one platform for RIAs.
Integrated householding and dynamic financial planning that unifies family accounts into a single, interactive planning view
Advyzon is a comprehensive all-in-one platform for financial advisors, integrating CRM, financial planning, portfolio management, reporting, billing, and client portals into a single solution. It supports householding, dynamic scenario planning, and automated rebalancing to streamline advisor workflows. Ideal for RIAs seeking to consolidate tools, it offers white-label client experiences and robust compliance features.
Pros
- All-in-one integration reduces reliance on multiple vendors
- Powerful financial planning with Monte Carlo simulations and householding
- Strong client portal and mobile app for engagement
Cons
- Steep learning curve for new users
- Pricing can escalate quickly with client growth
- Limited advanced integrations with some custodians
Best For
Mid-sized RIAs and advisors who want a unified platform to manage planning, CRM, and operations without juggling multiple tools.
Pricing
Tiered plans start at $1,250/month for up to 250 clients (Core), scaling to $2,500+/month for larger firms, plus per-client fees and add-ons.
Holistiplan
specializedAutomates tax planning and optimization to uncover tax alpha opportunities for clients.
Tax Alpha optimizer for automated Roth conversion ladders and harvesting strategies
Holistiplan is a cloud-based financial planning software tailored for advisors, enabling holistic client plans that integrate cash flow, retirement projections, tax strategies, and investment analysis. It features intuitive dashboards, scenario modeling, and Monte Carlo simulations to visualize client goals and outcomes. The platform supports seamless data aggregation from custodians like Schwab and Fidelity, plus CRM integrations for efficient workflows.
Pros
- Intuitive, modern interface with visual dashboards
- Robust tax planning tools including Roth conversions
- Strong integrations with custodians and CRMs
Cons
- Limited advanced estate and insurance modeling
- Fewer customization options than enterprise rivals
- Monte Carlo simulations less sophisticated than top-tier tools
Best For
Advisors seeking an affordable, user-friendly platform focused on tax-efficient retirement and cash flow planning.
Pricing
Starts at $125 per advisor/month (billed annually), with tiers up to $250+ for teams and advanced features.
ProjectionLab
specializedProvides customizable, Monte Carlo-based financial planning models for retirement and cash flow scenarios.
Interactive 3D Financial Landscape visualizations that let clients explore 'what-if' scenarios in real-time
ProjectionLab is a web-based financial planning tool designed for advisors, specializing in interactive retirement projections and scenario modeling using Monte Carlo simulations. It enables users to visualize clients' financial futures through dynamic charts, stress-test assumptions, and share engaging client portals. The software excels in making complex projections accessible and interactive, bridging the gap between advisor analysis and client understanding.
Pros
- Exceptional interactive visualizations like 3D financial landscapes
- Powerful Monte Carlo simulations for probabilistic forecasting
- Seamless client portal for sharing and collaboration
Cons
- Limited integrations with CRM or accounting software
- Lacks comprehensive modules for tax, estate, or insurance planning
- Higher pricing tiers may not suit solo advisors
Best For
Advisors specializing in retirement planning who prioritize client engagement through stunning, interactive projections.
Pricing
Advisor plans start at $99/user/month (billed annually), with higher tiers up to $199/user/month; free trial available.
Snap Projections
specializedFacilitates scenario-based cash flow forecasting and retirement planning for advisors and clients.
Ultra-fast 'Snap' projection builder that generates detailed, customizable retirement plans in seconds
Snap Projections is a cloud-based financial planning software tailored for financial advisors, specializing in rapid retirement projections, cash flow modeling, and scenario analysis. It enables quick creation of personalized client plans with Monte Carlo simulations, goal tracking, and visual dashboards for better client engagement. The tool integrates with popular CRMs like Wealthbox and Redtail, and includes a secure client portal for sharing interactive projections.
Pros
- Lightning-fast projection generation (often under 2 minutes)
- Robust Monte Carlo risk analysis and scenario modeling
- Seamless CRM integrations and intuitive client portal
Cons
- Limited support for holistic financial planning beyond projections
- Fewer advanced estate or tax planning modules compared to top competitors
- Customization options could be more flexible for complex cases
Best For
Advisors focused on efficient retirement and cash flow projections who prioritize speed and simplicity over comprehensive wealth management tools.
Pricing
Starts at $125/month per advisor (billed annually), with tiered plans up to $250/month for advanced features and unlimited clients.
Conclusion
The top three tools—eMoney Advisor, MoneyGuidePro, and RightCapital—represent the pinnacle of financial planning software, each offering distinct strengths. eMoney Advisor leads as the top choice, with its holistic planning, account aggregation, and client engagement tools, while MoneyGuidePro stands out for goal-based, scenario-driven workflows, and RightCapital impresses with its cloud-based, real-time tax and Social Security projections. Together, they highlight the diversity of solutions available, ensuring advisors can find the right fit for their practice.
Take the next step in optimizing your client services—explore eMoney Advisor today and unlock its comprehensive tools to streamline your planning process and elevate client outcomes.
Tools Reviewed
All tools were independently evaluated for this comparison