Financial advisors today rely on cutting-edge software to deliver personalized, data-driven planning for their clients. Whether you’re a solo advisor or part of a larger RIA firm, using the right financial planning software can streamline operations, improve accuracy, and enhance client satisfaction.
In this article, we break down the top financial planning software for advisors in 2025, comparing their features, pricing, and best use cases to help you choose the ideal tool for your practice.
Why Financial Planning Software Matters for Advisors
As clients demand more transparency and personalization in their financial plans, advisors need tools that:
- Automate cash flow projections
- Perform robust scenario analysis
- Track investment performance
- Create tax-efficient retirement plans
- Improve client engagement through interactive dashboards
Modern software solutions also help with compliance, CRM integration, and secure document storage, making them indispensable in a tech-forward advisory business.
Key Features to Look For
Before choosing software, ensure it offers the following core functionalities:
| Feature | Importance |
|---|---|
| Cash Flow & Goal-Based Planning | Essential for personalized strategies |
| Client Portal | Enhances communication and transparency |
| Retirement Projections | Crucial for long-term client planning |
| Tax Optimization Tools | Helps minimize liabilities legally |
| Scenario Modeling | Allows for what-if planning |
| Compliance & Security | Protects sensitive financial data |
| CRM & Custodian Integration | Streamlines back-end workflow |
Top Financial Planning Software for Advisors in 2025
1. eMoney Advisor
Best for: Holistic financial planning and client experience
Key Features:
- Advanced cash flow planning
- Real-time client portal with net worth tracker
- Vault for secure document sharing
- Robust integrations with CRMs and custodians
- Investment and insurance tracking
Pros:
- Intuitive design and client-facing tools
- Strong visualization capabilities
- Excellent compliance features
Cons:
- Higher learning curve for beginners
- Pricing may be steep for solo advisors
Pricing: Starts at $1,500/year (for eMoney Plus)
2. RightCapital
Best for: Tax-focused planning and ease of use
Key Features:
- Tax-efficient withdrawal strategies
- Roth conversion analysis
- Student loan repayment module
- Cash flow and goals-based planning
- Dynamic retirement and Monte Carlo simulations
Pros:
- Easy-to-use interface
- Strong focus on tax planning
- Affordable pricing for smaller practices
Cons:
- Limited investment tracking
- Fewer integrations than competitors
Pricing: Starts at $1,200/year
3. MoneyGuidePro
Best for: Goal-based planning for client engagement
Key Features:
- Simple, intuitive client goal modeling
- PlayZone® for interactive “what-if” analysis
- Retirement income modeling
- Strong integrations with major CRMs and custodians
Pros:
- Highly visual and client-friendly
- Scalable for large RIA firms
- Strong track record in the industry
Cons:
- Less customizable for advanced planners
- Cash flow planning not as detailed as eMoney
Pricing: Varies; typically $1,200–$1,800/year
4. Advicent NaviPlan (now part of InvestCloud)
Best for: Enterprise-level planning and deep customization
Key Features:
- Detailed cash flow modeling
- Estate planning and insurance needs analysis
- Robust multi-scenario planning
- Integration with Microsoft Dynamics and Salesforce
Pros:
- Ideal for large advisory teams and banks
- Extensive planning depth
Cons:
- Expensive
- May be overkill for small practices
Pricing: Custom enterprise pricing
5. Asset-Map
Best for: Visualizing client households quickly
Key Features:
- Instant visual representation of entire client finances
- Collaborative planning experience
- Real-time plan monitoring
- Mobile and tablet-friendly interface
Pros:
- Very fast onboarding
- Easy for clients to understand
- Strong communication tool for client meetings
Cons:
- Not as robust in tax or retirement modeling
- Must be used with complementary planning software
Pricing: Starts at $99/month
6. Orion Planning (Formerly Advizr)
Best for: Advisors already using the Orion tech stack
Key Features:
- Seamless Orion ecosystem integration
- Client-facing goal planning
- Interactive dashboards
- Retirement and insurance planning modules
Pros:
- Great synergy if you already use Orion Portfolio Management
- Clean, modern UI
Cons:
- Limited outside integrations
- Fewer standalone users
Pricing: Bundled with Orion subscriptions
Comparison Table: Top Financial Planning Software (2025)
| Software | Best For | Starting Price | Cash Flow Planning | Tax Tools | Client Portal | CRM Integration |
|---|---|---|---|---|---|---|
| eMoney Advisor | Holistic Planning | $1,500/year | ✅ Advanced | ✅ | ✅ | ✅ |
| RightCapital | Tax-Focused Planning | $1,200/year | ✅ Moderate | ✅✅✅ | ✅ | ✅ |
| MoneyGuidePro | Goal-Based Planning | $1,200–1,800 | ✅ Basic | ✅ | ✅ | ✅ |
| NaviPlan | Deep Customization (Large Firms) | Custom | ✅✅✅ Advanced | ✅✅ | ✅ | ✅ |
| Asset-Map | Quick Visuals | $99/month | ❌ | ❌ | ✅ | ✅ |
| Orion Planning | Orion Ecosystem Users | Bundled | ✅ Basic | ✅ | ✅ | ✅ (Orion only) |
How to Choose the Right Software
Here’s a simple decision matrix to help advisors:
| Advisor Type | Recommended Software |
|---|---|
| Solo Advisor | RightCapital or Asset-Map |
| Small RIA Firm | eMoney or MoneyGuidePro |
| Tax-Focused Planner | RightCapital |
| Enterprise/Bank/Wealth Mgmt | NaviPlan |
| Tech-Integrated Firm | Orion Planning |
Future Trends in Financial Planning Software (2025–2030)
- AI-Driven Insights – Predictive analytics will help advisors anticipate client needs before they arise.
- Deeper Personalization – Tools will offer more granular modeling based on client behavior and goals.
- Automated Compliance – AI will assist with real-time regulation tracking and audit preparation.
- Open APIs for Integration – Easier connectivity across CRM, billing, and custodial platforms.
- Voice & Chat Interfaces – Clients will soon interact with their plans via smart assistants.
Final Thoughts
The right financial planning software can transform how advisors engage with clients and manage their practice. While tools like eMoney and RightCapital offer comprehensive capabilities, others like Asset-Map shine in simplicity and visualization.
Evaluate your specific needs—client type, firm size, compliance requirements, and existing tech stack—before making a decision. In a competitive market, using powerful, integrated financial planning tools isn’t just a bonus—it’s a necessity.