The MoneyGuide advantage

A robust, advisor-driven approach that goes beyond basic planning to help advisors collaborate more closely with clients on achieving the goals that are most important to them.

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The financial planning software of choice

When advisors seek a dependable solution, MoneyGuide consistently delivers. Discover why our financial planning software is the industry's most trusted platform for goal-based planning—with powerful features designed to strengthen client relationships and help drive greater efficiency across your firm.

25 years of experience

MoneyGuide has a long-standing reputation of innovation, high overall satisfaction and strong client retention.¹

118,000+ licenses

of the largest and most respected wealth management institutions in the country rely on MoneyGuide, including Edward Jones.²

A planning approach based on trust

As a technology company rooted in innovation, our priority at Envestnet is to empower financial advisors with scalable solutions that grow alongside their clients' evolving needs. We remain focused on delivering tools that support everything from foundational planning to complex, multi-faceted strategies – so you can serve a broader range of clients with confidence and efficiency.

We don’t get distracted by industry noise. Our commitment is to our clients and their success.

As pioneers in financial planning technology, we believe in a responsible and trustworthy approach. That’s why our calculations are intentionally conservative – designed to understate, rather than overstate, a client’s potential success plan in retirement. The default assumptions incorporated into our software are not only reasonable and predictable, but also built to provide a reliable foundation for long-term planning. Of course, advisors always have the flexibility to adjust these assumptions.

Comprehensive platform

MoneyGuide’s flexible platform empowers advisors to deliver the right level of planning for each client – whether that means goals-based or cash-flow planning, foundational budgeting, comprehensive retirement planning, or sophisticated strategies for ultra-high-net-worth individuals. This adaptability ensures that every client receives a personalized experience aligned with their unique financial goals and level of complexity.

Bonus features (no purchase necessary):

CMAs: Customized Capital Market Assumptions are available for FREE.
Business Data & Analytics: Get insight key metrics and trends to help you save time, while surfacing opportunities that may have otherwise gone overlooked.
Assistant License: Get one FREE assistance license with your purchase.

Built to deepen client relationships

With interactive tools like Play Zone and the client planning, you can invite your clients to proactively visualize and interact with their financial plans. These features facilitate deeper conversations – the kind that yield the actionable insights advisors need to provide guidance that’s personal, relevant, and timely.

Scalability

From simple retirement plans to sophisticated financial strategies, MoneyGuide scales to meet your advisory practice’s needs. Thanks to 200+ integrations, you can seamlessly incorporate diverse data points and execute plans efficiently, whether you’re serving a single client or catering to a large group with different financial goals.

Training and onboarding

MoneyGuide’s thorough onboarding process helps advisors get up and running quickly. With a highly trained support team available to answer questions, you can start providing a higher-touch financial planning experience to your clients from Day One.

Key MoneyGuide features for financial advisors

MoneyGuide financial planning software offers a comprehensive suite of tools designed to streamline the planning process and help enhance the client experience. From intuitive goal-based planning to collaborative cash-flow and estate planning, it empowers advisors to create personalized, resilient financial strategies. With customer support and seamless integration within the Envestnet ecosystem, MoneyGuide is a holistic option for advisors looking to deliver highly personalized financial planning experiences.

Goals-based planning

As the #1 financial planning tool¹, MoneyGuide’s focus on goal-based planning helps advisors ask the right questions, engage in meaningful conversations, and tailor strategies to each client’s unique vision. By facilitating a deeper understanding of client objectives, MoneyGuide helps advisors create personalized, actionable plans that guide clients toward their ideal financial futures.

Interactive client engagement

MoneyGuide’s interactive client portal and Play Zone tools create a collaborative planning experience between advisors and their clients. Clients can actively engage with their financial journeys by adjusting key variables in real time, then immediately see how those changes impact their long-term goals. With features like “What Are You Afraid Of?”, clients can also explore scenarios like market downturns, inflation, and lower-than-expected returns, helping them visualize their financial plans and confidently stick to them.

Income planning

Explore tax-efficient distribution strategies and model how a client’s goal expenses and taxes will be funded throughout their retirement years, helping them stay on track with their goals and navigate challenges with confidence. Plus, stress test how external factors like market fluctuations and tax changes could impact a client’s retirement plan. This enables you to start developing resilient financial strategies on a shorter timeline to help your clients address unexpected shifts in their financial landscapes.

Scenario analysis and risk tolerance assessments

MoneyGuide offers robust scenario analysis and risk tolerance assessments – tools advisors need to provide comprehensive financial planning. Manage your clients’ expectations under different market conditions with the What-If Worksheet: a handy tool that lets you compare up to five scenarios, modify assumptions, and stress-test them all in one place. There’s also a Risk Tolerance tool to assess client comfort levels with risk and help them understand how their portfolio might perform during market downturns.

“MoneyGuide is functional, easy to use, and visually stunning.” Joel P. Bruckenstein, CFP®
President, Technology Tools for Today (T3)

“MoneyGuide’s Client Services team consistently goes out of their way to help me model sophisticated planning strategies and scenarios in the software, providing insights that enabled me to develop more effective recommendations.” Becca Phillips, FPQP , Associate Advisor