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MoneyGuide combines sophisticated financial planning with ease-of-use (for advisors) and clear, concise results (for clients). We believe that's a winning combination. MoneyGuide is the only comprehensive financial planning package that is completely web-based, and is the only goal-based planning system sophisticated enough to produce a high quality Financial Plan.
We developed the MoneyGuide financial planning software for the "real world" where you and your clients live. We believe that the proper focus for financial planning software is the client, and our design philosophy and planning approach centers on what is most important to clients. Our mission is to assist you in providing reliable, complete, and understandable Plans for your clients.
We begin with what's most important to clients -- their goals. Clients want to know how they can use their financial resources to accomplish their goals. Next, we focus on presenting results that are clear and understandable. If clients don't understand their results, they are less likely to take action, and more likely to be dissatisfied with recommendations.
Third, we provide What If Scenarios so that you and your clients can explore multiple alternatives, and can see how sensitive a Plan is to tax changes or increased longevity. Fourth, we provide "Stress Testing" and Risk Management so that the client can see what might happen to a Plan across a range of real world uncertainties (e.g., down markets, premature death, or the need for long-term care).
Finally, MoneyGuide is interactive—you can make adjustments during a client meeting, clients can be involved in the creation of their Plan, and clients can access their Plan, via the web, from their home or office.
In the MoneyGuidePro® Planning System, you can create Financial Plans (goal-based planning, including risk management), Asset Allocation Plans, and Lifetime Income Plans (Monte Carlo simulations on a single income stream). MoneyGuidePro® Planning also has a uniquely powerful "sharing" capability that allows you to collaborate with your client or with other advisors over the internet. The key features of MoneyGuidePro® Planning are provided below.Overall Planning
The Asset Allocation portfolios were created for MoneyGuide by Harold Evensky, CFP, who is an advisor to Envestnet MoneyGuide. Harold has thoroughly documented his process for portfolio development in his book, Wealth Management (Irwin, 1997). Chapters 7, 8, and 9 (titled Investment Theory, Asset Allocation, and Optimization, respectively), pp. 175 - 279, provide an in-depth explanation of the underlying theories and Harold's application of those theories to the practicalities of real-world investing.
The Advisor Options section (accessed from the Main Menu page) provides the capability for you to configure your version of MoneyGuide. In Advisor Options, the "Create Portfolios" section allows you to change (i.e., add, delete, or rename) the asset classes and model portfolios. Also in this section, you can enter "projected" return and correlation information if you want to use the MoneyGuide projected (rather than historical) returns feature.
Envestnet MoneyGuide, the developer of moneyguidepro.com, is committed to protecting your clients' privacy and ensuring the security of their information on our web site.
Envestnet MoneyGuide will never disclose or share clients' personal information with any third party, unless required by law to do so (for example, to comply with a subpoena).
We use secure server software (SSL) encryption, which is the industry standard for secure data transfer software, to ensure data transmitted through the Internet is protected against unauthorized access. The secure server software (SSL) encrypts all information you and your client input before it is sent to us, and all data we collect is protected against unauthorized access. This technology helps ensure that clients' personal and financial information remains safe and private.
If a client feels uncomfortable having their data "out on a web site," offer the client to enter their information into MoneyGuide using an "assumed" last name. (If you do this, please remember that the "assumed" last name is the name that will print on the Client Reports.) You might even put their actual last name in the Notes field (also in the Client Profile), so you can remember who they really are.
Finally, there are probably some clients who just won't be comfortable with having their data "out there on some web site," and there may be nothing you can say that will make a difference.
If you want to maintain your own copy of information that you've entered into MoneyGuide and/or presented to your client, you can save copies of Client Reports to your own computer. When you create a Client Report, it is displayed as a PDF, with the Adobe Acrobat Reader control bar just above the Report. Click on the "diskette" icon, and you can enter the directory, folder, and file name where you'd like to save the Client Report. This electronic file is stored on your computer and you can access it at any time.