Quick Overview
- 1#1: eMoney Advisor - Comprehensive financial planning platform offering household-level modeling, cash flow analysis, and client portals for advisors.
- 2#2: MoneyGuidePro - Industry-leading goal-based financial planning software with scenario analysis and retirement planning tools.
- 3#3: RightCapital - Cloud-based financial planning tool with intuitive visualizations, Social Security optimization, and tax projections.
- 4#4: Advyzon - All-in-one wealth management platform integrating financial planning, portfolio management, and billing.
- 5#5: Orion Advisor Tech - Robust portfolio accounting, performance reporting, and financial planning suite for RIAs.
- 6#6: Wealthbox - Modern CRM designed for financial advisors to manage client relationships, tasks, and workflows.
- 7#7: Riskalyze - Risk alignment platform that quantifies client risk tolerance and matches portfolios accordingly.
- 8#8: Holistiplan - Automated tax-efficient retirement income planning software for financial advisors.
- 9#9: FP Alpha - AI-driven financial planning tool providing instant research, scenario modeling, and compliance checks.
- 10#10: Nitrogen - Behavioral finance platform for risk assessment, portfolio construction, and client engagement.
We evaluated these solutions based on robust features, user experience, reliability, and long-term value, prioritizing tools that excel in core areas like goal modeling, risk alignment, and client engagement to deliver actionable results for financial professionals.
Comparison Table
Selecting the right financial planner software is critical for efficient client services and personalized financial planning. This comparison table explores key tools—such as eMoney Advisor, MoneyGuidePro, RightCapital, Advyzon, Orion Advisor Tech, and others—equipping readers to assess features, usability, and suitability for their practice.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | eMoney Advisor Comprehensive financial planning platform offering household-level modeling, cash flow analysis, and client portals for advisors. | enterprise | 9.4/10 | 9.8/10 | 8.2/10 | 8.7/10 |
| 2 | MoneyGuidePro Industry-leading goal-based financial planning software with scenario analysis and retirement planning tools. | specialized | 9.1/10 | 9.6/10 | 7.8/10 | 8.4/10 |
| 3 | RightCapital Cloud-based financial planning tool with intuitive visualizations, Social Security optimization, and tax projections. | specialized | 9.2/10 | 9.5/10 | 9.0/10 | 8.5/10 |
| 4 | Advyzon All-in-one wealth management platform integrating financial planning, portfolio management, and billing. | enterprise | 8.7/10 | 9.2/10 | 8.0/10 | 8.3/10 |
| 5 | Orion Advisor Tech Robust portfolio accounting, performance reporting, and financial planning suite for RIAs. | enterprise | 8.7/10 | 9.2/10 | 8.1/10 | 8.4/10 |
| 6 | Wealthbox Modern CRM designed for financial advisors to manage client relationships, tasks, and workflows. | specialized | 8.1/10 | 7.8/10 | 9.2/10 | 7.4/10 |
| 7 | Riskalyze Risk alignment platform that quantifies client risk tolerance and matches portfolios accordingly. | specialized | 8.5/10 | 9.2/10 | 8.3/10 | 7.8/10 |
| 8 | Holistiplan Automated tax-efficient retirement income planning software for financial advisors. | specialized | 8.3/10 | 8.7/10 | 9.1/10 | 9.0/10 |
| 9 | FP Alpha AI-driven financial planning tool providing instant research, scenario modeling, and compliance checks. | general_ai | 8.1/10 | 8.7/10 | 7.6/10 | 7.8/10 |
| 10 | Nitrogen Behavioral finance platform for risk assessment, portfolio construction, and client engagement. | specialized | 7.6/10 | 8.2/10 | 8.0/10 | 7.1/10 |
Comprehensive financial planning platform offering household-level modeling, cash flow analysis, and client portals for advisors.
Industry-leading goal-based financial planning software with scenario analysis and retirement planning tools.
Cloud-based financial planning tool with intuitive visualizations, Social Security optimization, and tax projections.
All-in-one wealth management platform integrating financial planning, portfolio management, and billing.
Robust portfolio accounting, performance reporting, and financial planning suite for RIAs.
Modern CRM designed for financial advisors to manage client relationships, tasks, and workflows.
Risk alignment platform that quantifies client risk tolerance and matches portfolios accordingly.
Automated tax-efficient retirement income planning software for financial advisors.
AI-driven financial planning tool providing instant research, scenario modeling, and compliance checks.
Behavioral finance platform for risk assessment, portfolio construction, and client engagement.
eMoney Advisor
enterpriseComprehensive financial planning platform offering household-level modeling, cash flow analysis, and client portals for advisors.
Dynamic household cash flow engine that visualizes inflows, outflows, and net worth trajectories across scenarios
eMoney Advisor is a leading enterprise-grade financial planning platform that empowers financial advisors with comprehensive tools for holistic wealth management. It excels in goal-based planning, advanced cash flow forecasting, retirement and estate analysis, and seamless account aggregation from over 14,000 sources. The software also features a robust client portal for interactive plan sharing and collaboration, enabling advisors to deepen client relationships through data-driven insights.
Pros
- Exceptional depth in planning modules including Monte Carlo simulations and scenario modeling
- Superior data aggregation and household-level cash flow analysis
- Intuitive client portal that enhances engagement and plan adoption
Cons
- Steep learning curve for new users due to extensive features
- High cost suitable mainly for mid-to-large firms
- Limited customization options for unique advisor workflows
Best For
Mid-to-large financial planning firms needing enterprise-level tools for complex client portfolios and scalable advisor teams.
Pricing
Custom enterprise pricing, typically $8,000-$15,000 per advisor annually depending on firm size and modules.
MoneyGuidePro
specializedIndustry-leading goal-based financial planning software with scenario analysis and retirement planning tools.
Patented Success Score metric that provides a single, quantifiable probability of goal achievement, enabling dynamic plan adjustments.
MoneyGuidePro is a leading goal-based financial planning software platform designed for financial advisors to create comprehensive, interactive financial plans tailored to clients' life goals such as retirement, education, and major purchases. It features advanced scenario modeling, Monte Carlo simulations, and a client-facing portal for real-time collaboration and adjustments. The tool integrates deeply with CRMs, custodians, and other advisor tech stacks to provide a holistic view of client finances and stress-test plans against market volatility.
Pros
- Exceptional goal-based planning with Monte Carlo analysis and what-if scenarios
- Strong client engagement via interactive portals and mobile access
- Seamless integrations with major CRMs like Salesforce and custodians
Cons
- Steep learning curve requiring significant training for new users
- High pricing suitable mainly for established firms
- Overly complex interface for basic planning needs
Best For
Mid-to-large financial advisory firms serving high-net-worth clients who require sophisticated, data-driven planning tools.
Pricing
Enterprise subscription model starting at around $3,000-$5,000 per advisor annually, with custom quotes based on firm size and features.
RightCapital
specializedCloud-based financial planning tool with intuitive visualizations, Social Security optimization, and tax projections.
Interactive What-If scenario builder with real-time visualizations and decumulation projections
RightCapital is a cloud-based financial planning platform tailored for financial advisors, enabling comprehensive retirement, tax, cash flow, and decumulation planning through interactive tools and visualizations. It features Monte Carlo simulations, Social Security optimization, and scenario modeling to help clients visualize financial futures. The software emphasizes client engagement with customizable dashboards, one-page plans, and a secure client portal for collaborative planning.
Pros
- Modern, intuitive interface with drag-and-drop functionality
- Robust modeling tools including Monte Carlo and decumulation planning
- Excellent client portal and reporting for engagement
Cons
- Higher pricing tiers may deter solo advisors
- Limited customization in some advanced estate planning modules
- Integrations can require setup time and may have occasional glitches
Best For
Mid-sized advisory firms focused on client-centric retirement and holistic financial planning.
Pricing
Tiered plans starting at $125/user/month (Pro) billed annually, up to enterprise custom pricing.
Advyzon
enterpriseAll-in-one wealth management platform integrating financial planning, portfolio management, and billing.
Unified householding and aggregation across all client accounts for seamless portfolio oversight
Advyzon is a comprehensive all-in-one platform for financial advisors, integrating CRM, portfolio management, reporting, billing, trading, and client portals into a unified advisor workstation. It enables financial planners to manage client relationships, perform account rebalancing, generate customized performance reports, and facilitate secure client interactions. The software supports householding, document management, and compliance tools, streamlining workflows for wealth management firms.
Pros
- All-in-one integration reduces need for multiple tools
- Robust reporting and householding capabilities
- Strong client portal with mobile access
Cons
- Steep learning curve for new users
- Pricing can be high for smaller firms
- Some customization limitations
Best For
Mid-sized RIAs and financial planning firms seeking an integrated platform to scale operations efficiently.
Pricing
Custom pricing based on users and AUM; typically starts at $1,200/month for basic plans, scaling up to $5,000+ for enterprise.
Orion Advisor Tech
enterpriseRobust portfolio accounting, performance reporting, and financial planning suite for RIAs.
Live portfolio synchronization that dynamically updates financial plans with real-time account data
Orion Advisor Tech is a comprehensive wealth management platform that integrates financial planning with portfolio management, performance reporting, trading, and CRM tools. Its planning module enables advisors to build scenario-based plans using live portfolio data, supporting goal tracking, retirement projections, and cash flow analysis. Primarily targeted at RIAs, it excels in scalability and data aggregation across custodians for holistic client views.
Pros
- Seamless real-time integration between planning and live portfolio data
- Powerful customizable reporting and analytics engine
- Scalable for mid-to-large firms with multi-custodian support
Cons
- Steep learning curve for full feature utilization
- Higher pricing less ideal for solo advisors or small practices
- Planning depth not as specialized as standalone tools like eMoney
Best For
Mid-sized RIAs and enterprise advisory firms seeking an all-in-one platform for portfolio-centric financial planning.
Pricing
Custom pricing based on AUM (typically 5-15 bps) or per advisor/household, starting around $10,000-$50,000 annually for smaller firms.
Wealthbox
specializedModern CRM designed for financial advisors to manage client relationships, tasks, and workflows.
Seamless, bi-directional integrations with top financial planning software for unified client data and workflows
Wealthbox is a CRM platform designed specifically for financial advisors and wealth managers, focusing on client relationship management, task automation, and workflow organization. It centralizes contact data, tracks interactions, and supports team collaboration through custom views and pipelines. While it excels in advisor-client engagement, it relies on integrations for core financial planning functions like modeling and projections rather than offering them natively.
Pros
- Intuitive, modern interface that's easy to adopt
- Strong integrations with financial planning tools like RightCapital and eMoney
- Powerful workflow automation and customizable pipelines for team efficiency
Cons
- No native financial planning or modeling tools; depends on third-party integrations
- Pricing is premium and may feel steep for solo advisors
- Advanced reporting lacks depth compared to dedicated analytics platforms
Best For
Financial planning teams and advisors prioritizing client relationship management and CRM functionality over built-in planning software.
Pricing
Starts at $55/user/month (Professional), $85/user/month (Premium), with custom Enterprise pricing; 20% discount for annual billing.
Riskalyze
specializedRisk alignment platform that quantifies client risk tolerance and matches portfolios accordingly.
The Risk Number® - a single, psychometrically validated score that quantifies a client's exact risk tolerance on a 0-99 scale
Riskalyze is a risk alignment platform designed for financial advisors to quantify client risk tolerance using its proprietary Risk Number score and align portfolios accordingly. It offers tools for portfolio analysis, stress testing, Monte Carlo simulations, and scenario modeling to demonstrate risk-adjusted performance. The software integrates seamlessly with CRMs, custodians, and reporting tools, making it a compliance-friendly solution for documenting client conversations and investment decisions.
Pros
- Highly accurate Risk Number for client risk profiling
- Robust portfolio stress tests and Monte Carlo analysis
- Strong integrations with 300+ custodians and CRMs
Cons
- Limited scope beyond risk and portfolio alignment
- Pricing can be steep for solo advisors or small firms
- Requires active client participation for assessments
Best For
Financial advisors specializing in risk-managed portfolio construction who need precise client risk tolerance matching.
Pricing
Starts at $2,500/year per advisor; scales with AUM tiers up to enterprise plans with custom pricing.
Holistiplan
specializedAutomated tax-efficient retirement income planning software for financial advisors.
Real-time tax optimization engine that dynamically adjusts strategies across multiple planning scenarios
Holistiplan is a web-based financial planning software tailored for financial advisors, enabling holistic plan creation that integrates cash flow forecasting, retirement projections, tax optimization, and estate planning. It leverages Monte Carlo simulations for scenario analysis and risk assessment, allowing advisors to model thousands of market outcomes efficiently. The platform supports client collaboration through secure sharing and interactive dashboards, streamlining the planning process from discovery to implementation.
Pros
- Intuitive interface with visual dashboards for quick plan building
- Robust Monte Carlo simulations integrated with tax-aware projections
- Affordable pricing with strong value for solo and small-team advisors
Cons
- Limited native integrations with major CRM and portfolio management systems
- Fewer advanced customization options for reports compared to enterprise competitors
- Some features still evolving as a relatively newer platform
Best For
Independent financial advisors or small firms focused on tax-efficient retirement and holistic planning without needing extensive enterprise integrations.
Pricing
Starts at $99/month for solo advisors (billed annually), with team plans from $199/month and custom enterprise pricing.
FP Alpha
general_aiAI-driven financial planning tool providing instant research, scenario modeling, and compliance checks.
AI Instant Planner that generates full financial plans in minutes from client data
FP Alpha is an AI-powered financial planning software tailored for financial advisors, enabling rapid creation of personalized financial plans through automated data analysis and scenario modeling. It excels in retirement projections, tax optimization, cash flow analysis, and generating client-ready reports with dynamic visualizations. The platform integrates seamlessly with CRMs like Wealthbox and Redtail, streamlining workflows for advisory firms.
Pros
- AI-driven automation speeds up plan creation significantly
- Comprehensive scenario modeling and tax optimization tools
- Strong CRM integrations and customizable client reports
Cons
- Steep learning curve for non-tech-savvy users
- Pricing can be high for solo advisors
- Limited advanced customization options compared to competitors
Best For
Advisory firms looking to leverage AI for efficient, scalable financial planning without sacrificing depth.
Pricing
Starts at $99/user/month for basic plan, up to $199/user/month for premium features; annual discounts available.
Nitrogen
specializedBehavioral finance platform for risk assessment, portfolio construction, and client engagement.
Psychometrically validated 5-factor behavioral risk model that uncovers hidden biases for precise portfolio alignment
Nitrogen is a specialized financial planning platform designed for advisors, leveraging behavioral finance and psychometrics to assess clients' true risk tolerance beyond traditional questionnaires. It provides tools for behavioral coaching, portfolio construction aligned with investor psychology, and ongoing monitoring to mitigate emotional biases. The software integrates behavioral insights into investment decisions, aiming to improve client outcomes and advisor-client relationships.
Pros
- Innovative psychometric risk assessments backed by behavioral science
- Tools for behavioral coaching and portfolio optimization
- Strong focus on improving client retention through personalized insights
Cons
- Narrow scope limited to behavioral risk and investments, not holistic financial planning
- Requires integration with broader CRM or planning software
- Higher pricing may not suit solo advisors or small firms
Best For
Advisors specializing in investment management who prioritize behavioral finance to differentiate their practice and enhance client engagement.
Pricing
Starts at $99/month for Essentials (basic assessments), $199/month for Pro (advanced coaching tools), with Enterprise custom pricing.
Conclusion
The reviewed financial planner software varies in focus, but eMoney Advisor emerges as the top choice, praised for its comprehensive household-level modeling and client portals. MoneyGuidePro and RightCapital follow closely, with strengths in goal-based planning and intuitive visualizations respectively, offering solid alternatives. Together, these tools represent leading options for enhancing financial planning precision.
To start, explore eMoney Advisor—its holistic approach makes it a standout choice for advisors seeking a robust, all-in-one solution. For different priorities, consider MoneyGuidePro or RightCapital, but eMoney’s comprehensive features set it apart as the top recommendation.
Tools Reviewed
All tools were independently evaluated for this comparison