Overview

MoneyGuidePro is a cloud‑based financial planning platform designed for advisors. It emphasises a goals‑based planning approach, allowing clients and advisors to collaborate on major life financial goals such as retirement, education, or wealth transfer. The platform supports what‑if scenario modelling, Monte Carlo simulations, tax and social security optimisation, and integrates client portals to increase engagement. It is offered by Envestnet | MoneyGuide and built for scalable, client‑centric financial planning.

Features and Capabilities

• Goals‑Based Planning: Helps clients define and prioritise goals (Needs, Wants, Wishes).
• Interactive Client Engagement Tools: Features such as sliders (Play Zone®) allow clients to adjust variables like retirement age or savings and view immediate impact.
• Risk & Stress Testing: Built-in tools for stress testing plans (market downturns, inflation, longevity).
• Cash Flow & Retirement Distribution: Supports detailed modelling of retirement cash flow, income streams, and distribution strategies.
• Tax & Social Security Optimisation: Incorporates tax effects and social security timing optimisation into plan scenarios.
• Estate Planning / Wealth Studios Add-On: For high-net-worth clients, advanced scenarios covering trusts, gifting, family tree modelling, and net-worth over time.
• Custom Capital-Market Assumptions & Report Templates: Enables advisors to create custom CMAs and design client-branded reports.
• Integrations & Data Aggregation: Connects with CRM systems, data aggregators, and other wealth-tech platforms.
• Scalable Onboarding & Client Portal: Streamlines client onboarding, self-registration, and allows clients to engage digitally prior to advisor meetings.
• Security & Compliance Framework: Hosted by Envestnet with enterprise-grade security and robust compliance features.