Quick Answer: What Is Financial Planning Software for Advisors? Financial planning software for advisors is a professional platform used to build, model, and present a client’s full financial picture, covering cash flow, retirement projections, tax and Social Security assumptions, and estate considerations in one place. The category is led by a small group of comprehensive platforms, including eMoney Advisor, RightCapital, MoneyGuidePro, Orion Planning, and NaviPlan, each built to run the plan rather than the single client conversation.
Your renewal notice lands, the price has gone up again, and you find yourself asking the same question a lot of advisors ask this time of year: Is this still the right financial planning software for my firm, or is it time to look around?
A comprehensive planning platform is one of the largest recurring line items in an independent practice, and the wrong fit shows up in wasted onboarding time, a client portal nobody logs into, and a plan that takes too long to update before a review meeting.
This article walks through the platforms that show up most often when talking to today’s leading independent financial advisors – along with what each platform does best, and what to weigh before a renewal or a switch. Finally, we’ll share some sales-story software that can help more prospects say “yes” to your in-depth plan
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Roth Done RightTax & IRMAA Analysis
Annuity AlphaFIA vs. Managed Account
Legacy Done RightLife Insurance Analysis
Total Tax BurdenRetirement Tax Snapshot
What to Look for in Financial Planning Software for Advisors
Before comparing individual platforms, it helps to define the job software actually needs to do. Many comprehensive planning tools are trying to solve a few of the same problems, even if they approach them differently.
A handful of capabilities tend to separate the platforms advisors stick with from the ones they eventually replace.:
Scenario and Monte Carlo modeling. The ability to run a “what if the client retires two years early” question and see the projected outcome without rebuilding the plan from scratch.
CRM and portfolio management integration. Two-way data sync with the tools already running your practice, rather than a one-way export that creates manual re-entry.
Client portal and collaboration tools. A place clients can log in between meetings and see their data.
Compliance documentation. Timestamped plan versions and a record of the alternatives considered, which matters more as Regulation Best Interest examinations continue.
With these benchmarks in mind, here is how the platforms most commonly named in this category compare.
Financial Planning Software for Advisors: Quick Comparison
Figures below are sourced from the T3/Inside Information 2026 Advisor Software Survey and vendor sites. Contact each vendor directly for current pricing.
Comprehensive Tool
Best For
Planning Depth
Client Portal
eMoney Advisor
Full-picture, comprehensive planning
Cash flow, estate, insurance, retirement income
Foundational planning portal
RightCapital
Tax-aware, goals-based planning
Tax and Social Security modeling, Roth conversion analysis
Client-facing portal included
MoneyGuidePro
Goals-based client engagement
Play Zone interactive scenario tool
Client-facing Play Zone
Orion Planning
Firms already on the Orion stack
Scenario modeling tied to Orion portfolio data
Included with Orion suite
NaviPlan
High-net-worth, complex planning
Actuarial-level modeling, business succession, multi-jurisdiction tax
Included
Below are Stonewood software modules that open the planning conversation around certain key topics, paving the way clients to request a comprehensive plan:
Sales Story Tool
Best For
Planning Depth
Client Portal
Roth Done Right
The Roth conversion and IRMAA conversation
Multi-year Roth conversion modeling, short- and long-term IRMAA cost
Client-facing prospect report
Annuity Alpha
The guaranteed income conversation
FIA vs. brokerage income comparison
Client-facing prospect report
Legacy Done Right
The estate and legacy conversation
After-tax wealth transfer and life insurance repositioning analysis
Client-facing prospect report
Total Tax Burden
A fast opening snapshot before a deeper analysis
Projected taxes and potential tax savings, no tax return required
Client-facing prospect report
Comprehensive Planning Platforms in Detail
eMoney Advisor eMoney is one of the more widely adopted comprehensive planning platforms among independent RIAs, according to the T3/Inside Information 2026 Advisor Software Survey. Its scope covers cash flow planning, estate analysis, insurance needs, and retirement income modeling inside a single plan, with a client-facing portal (Foundational Planning) built for ongoing engagement between meetings.
RightCapital RightCapital has grown its share of the comprehensive planning software market from 3.39% in 2018 to 21.37% in the 2026 T3/Inside Information Advisor Software Survey, the largest share gain of any platform tracked in that period. Its planning workflow centers on tax and Social Security modeling, including Roth conversion scenarios, alongside a client-facing portal.
MoneyGuidePro MoneyGuidePro takes a goals-based approach to planning, built around outcome framing rather than line-item detail. Its Play Zone feature lets clients interactively adjust their own plan assumptions during or after a meeting. According to the T3/Inside Information 2026 Advisor Software Survey, MoneyGuidePro’s advisor satisfaction rating declined from 7.9 in the 2024 survey to 7.62 in the 2026 survey.
Orion Planning Orion Planning is built for firms already using Orion for portfolio management and CRM. Its planning module ties directly into Orion’s portfolio data, which reduces the manual data transfer that can otherwise slow down plan updates. It is generally positioned as part of a unified Orion tech stack rather than a standalone planning purchase.
NaviPlan NaviPlan is generally positioned toward high-net-worth and complex planning scenarios, including business succession and multi-jurisdiction tax modeling. Its depth is often cited as both its strength and the reason it carries a longer implementation and training timeline than some other platforms on this list.
The Story Before the Plan
The five platforms above are built to model and maintain a client’s comprehensive financial plan. But more often than not, the first conversations with a prospect isn’t around a grand plan; it’s around a specific planning need the client has identified.
Here’s why thousands of the nation’s top independent financial advisors use Stonewood reports to open their client conversations, thereby increasing the number of new clients they can serve with tools like eMoney, RightCapital, and MoneyGuidePro. The four tools below are designed to work alongside whichever comprehensive software your firm is already using.
Roth Done Right Roth Done Right is built for the tax and IRMAA conversation. It models Roth conversion scenarios over a variety of multi-year horizons to optimize lifetime tax and IRMAA savings for your client. The best part? Your client’s Roth Done Right report can be run in under 60 seconds – no tax return needed. It’s a powerful way to show the value your practice brings to the tax optimization
conversation. Request a sample Roth Done Right report here
Annuity Alpha Annuity Alpha is built for the guaranteed income conversation. It creates a side-by-side comparison of the growth needed in a managed account to match the guaranteed income of an FIA. For many independent advisors, the annuity conversation is the first sale that opens the broader relationship. Annuity Alpha is built to support that conversation consultatively, letting the client see the comparison rather than sitting through a feature-by-feature pitch. Request a sample Annuity Alpha report here
Legacy Done Right Legacy Done Right is built for the estate and legacy conversation. It shows the after-tax picture of leaving assets as they sit today versus repositioning them – through a Roth conversion, life insurance, or blend of the two.
The report is a quick way to show the impact working with your practice can have on your client’s total inheritable wealth.Request a sample Legacy Done Right report here.
Total Tax Burden Total Tax Burden is built for the opening minutes of a first meeting. It generates a snapshot of a prospect’s projected Retirement Tax Bill, and the tax-savings of working with your practice. Advisors often use it as an early trust-building exhibit, then move into a fuller Roth Done Right analysis once a prospect has seen enough to know the tax conversation applies to their own
numbers, not just to savers in general. Request a sample Total Tax Burden report here
Free Advisor Training
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Watch this complimentary training to learn how leading advisors use retirement tax concerns to create urgency, open Roth conversion conversations, and uncover valuable new planning opportunities.
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Create urgency around tax planning
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Common Mistakes Advisors Make When Choosing Planning Software
Here are four common mistakes to avoid:
Optimizing for features over workflow fit. A platform with a longer feature list isn’t automatically the right one if your team won’t use half of it. Sit through a demo with a real, anonymized client file before deciding.
Ignoring integration depth. A one-way data export into your CRM or portfolio management tool creates manual re-entry that adds up over a year. Ask specifically whether the sync runs both directions.
Treating the comprehensive plan as the whole job. A plan that shows a client their trajectory is valuable, but it doesn’t always force the specific decision, like a Roth conversion or an income strategy, that closes the meeting. Some advisors pair their planning platform with a client-facing tool built for that narrower conversation.
Underestimating switching costs. More advisors switched planning platforms in the last two years than in the previous five combined, according to the T3/Inside Information 2026 Advisor Software Survey. That’s a sign the category is shifting, but a switch still carries real onboarding time. Weigh that against the gap in your current platform before committing.
Frequently Asked Questions
There isn't one universal best option. Comprehensive planning platforms like eMoney, RightCapital, MoneyGuidePro, Orion Planning, and NaviPlan each cover the full client plan differently. The better question for most advisors is which platform fits their planning philosophy, client base, and existing tech stack, and whether they also need a client-facing tool for specific conversations like Roth conversions or annuity comparisons.
Financial planning software like eMoney or RightCapital models and maintains a client's comprehensive plan over time. Stonewood's tools, including Roth Done Right, Annuity Alpha, and Legacy Done Right, are built for a specific decision inside a prospect or client meeting. Many advisors use both together to optimize their client acquisition process.
Pricing varies by firm size, features, and bundling. Advisors should contact each vendor directly for current pricing rather than relying on estimates, since packages and per-advisor pricing change often.
No. Stonewood is not a comprehensive planning platform and doesn't compete with eMoney, RightCapital,or MoneyGuidePro. Our sales story software is built to open conversations and get a prospect to say “yes” to more comprehensive planning opportunities with you.
See How Stonewood’s Software Fits Alongside Your Planning Platform
Come see why thousands of the country’s top independent financial advisors use Stonewood software to turn prospects into clients. Request a Sample Report from Stonewood
Sources and References
All information in this article is general knowledge and widely available.
T3/Inside Information 2026 Advisor Software Survey. T3 Technology Tools for Today / Steve Waller and Bob Veres. 2026. Cited for RightCapital and MoneyGuidePro market share and satisfaction figures. Available online: www.t3technologyhub.com.
“One Big Beautiful Bill: Provisions for Individuals and Workers.” Internal Revenue Service Newsroom. 2025. Available online: https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions-individuals-and-workers.
RightCapital Product Overview. RightCapital, Inc. Accessed 2026. Available online: www.rightcapital.com.
MoneyGuidePro Product Overview. Envestnet, Inc. Accessed 2026. Available online: www.moneyguidepro.com.
Orion Planning Product Overview. Orion Advisor Solutions, Inc. Accessed 2026. Available online: www.orion.com.
NaviPlan Product Overview. Advicent Solutions. Accessed 2026. Available online: www.naviplan.com.
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Timely planning topics
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Real Advisors. Real Results.
See how advisors are using Stonewood software to win larger cases and deliver better
outcomes for their clients.
An advisor was working with a prospect who was a real "do-it-yourselfer" when it came to Roth conversions.
The client was converting assets up their existing tax bracket – and hadn't considered any impact to
IRMAA.
With Roth Done Right, the advisor was able to show an alternate pattern that sped up the conversion to
6 years. The new structure offered $30,000 savings in conversion taxes – a 20% reduction on the
prospect's conversion tax bill. The report also showed hundreds of thousands of dollars in long-term
tax and IRMAA savings from the converted assets – an amount the prospect hadn't been able to quantify
on his own.
Outcome
A new client with $1M in new AUM, and a $1M FIA sale to fund the conversion process.
An advisor was working with a prospect who already had assets with Ken Fisher. Fisher's team presented a
5% systematic withdrawal projection, so the advisor needed a stronger way to frame the income
conversation.
Using the Annuity Alpha report, the advisor showed how an annuity could deliver over 8% in annual cash
flow with lifetime income, plus a long-term care doubler. The contrast was clear enough that the prospect
moved forward.
Outcome
$1.5M placed and a $100K in new business revenue.
An advisor was working with a 58-year-old couple with an established, well-funded retirement income plan,
leaving an additional $3M IRA to build out a legacy for the kids. The couple's existing advisor had no
real additional plan for this money, other than to keep it in their managed account and grow that money as
much as possible for the kids.
Using the Legacy Done Right report, the advisor showed the need for tax planning on this $3M IRA.
According to the advisor, the simple analysis "opened up the wallet" to the Roth conversion story. The
advisor then used the blended Roth/Life feature in the report to show a blend of Roth Conversion assets
with some Life Insurance to help maximize the client’s legacy.
Outcome
$3M in motion. The advisor picked up a $1.5M FIA sale that will be converted to Roth. And the advisor
also sold a 5-Pay Protection focused IUL policy at $225,000 of premium per year.
An advisor group incorporated the Total Tax Burden report into the strategy presentation for all new
prospects. They ran the tax snapshot for every new client as part of their first meeting conversation,
quantifying the growing tax burden of IRA money – and illustrating the kinds of tax savings possible
when working with their firm.
Starting in January of 2023, this simple analysis was presented to every single prospect who walked in
the door. The goal was to differentiate their practice and drive overall revenue growth through various
Roth conversion strategies.
Outcome
From 2022 to 2025, new annual AUM rose from $5M to $50M. Annual FIA sales rose from $3M to $35M.
And annual life premium rose from $50K to $1M.
