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MoneyGuide

moneyguidepro.com

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Spec score 8.9 #1 of 16 in Wealth Management

What it is

MoneyGuide is financial planning software from Envestnet for financial advisors helping clients work toward lifetime financial goals. It supports goal-based, asset-allocation, and lifetime-income plans, including Monte Carlo simulations on a single income stream. Advisors and clients can collaborate online with view-only or update-all sharing permissions. Planning tools cover retirement, college, estate, insurance needs, risk management, taxes, and Social Security. What-if scenarios and stress tests can model changes in market returns, inflation, taxes, and longevity. Clients can link accounts through MX or Yodlee; listed integrations also include Redtail and Wealthbox. The company says it does not collect or store Social Security, credit card, or account numbers, and that client data is encrypted in transit. MoneyGuide is web-based and compatible with Windows PCs, Macs, iPads, and iPhones. It is non-transactional, so clients cannot access, move, or withdraw funds through the application. A MyBlocks trial lasts 14 days, requires no credit card, and expires automatically. Listed annual subscriptions include MoneyGuide at $2,000 a year per advisor; applicable state and local taxes are not included.

Spec sheet

What it does
MoneyGuide is web-based financial-planning software for advisors using goal-based plans, risk management, asset allocation and lifetime-income analysis.Read 15 Oct 2026 · moneyguidepro.com
Purpose
Envestnet MoneyGuide develops financial planning software for financial advisors to help them guide clients toward lifetime financial goals.Read 3 Oct 2026 · moneyguidepro.com
Trial
MyBlocks offers a 14-day free trial without requiring a credit card, and the trial account automatically expires at the end of the period.Read 3 Oct 2026 · moneyguidepro
Integrations
The integration catalog covers CRM, custodians, account aggregation, portfolio analytics, data gathering, risk tolerance and client-portal providers.Read 15 Oct 2026 · moneyguidepro.com
Support
Customer service is available by phone, email and chat Monday through Thursday 9 AM–6 PM ET and Friday 10 AM–6 PM ET.Read 15 Oct 2026 · moneyguidepro.com
Headquarters
Powhatan, Virginia, United StatesRead 28 Sep 2026 · moneyguidepro.com
Founded
2000Read 28 Sep 2026 · moneyguidepro.com
Account aggregation
MoneyGuide says clients can link accounts through either MX or Yodlee aggregation options.Read 3 Oct 2026 · moneyguidepro
Aggregation
MoneyGuide offers MX and Yodlee account aggregation choices for client-linked accounts.Read 15 Oct 2026 · moneyguidepro.com
API access limits
API reference material and credentials require Envestnet Developer Portal credentials and an enabled firm integration; no public SDK is listed.Read 15 Oct 2026 · developer.envestnet.com
API scenarios
The Monte Carlo API returns plan results and the Play Zone API returns results after client scenario changes.Read 15 Oct 2026 · developer.envestnet.com
Cash-flow planning
Retirement Cash Flow charts map goals, options, surpluses and shortfalls across the plan horizon.Read 15 Oct 2026 · moneyguidepro.com
Client collaboration
Plans can be shared online between advisor and client or between advisors, with clients able to access plans remotely.Read 15 Oct 2026 · moneyguidepro.com
Company location and size
Envestnet MoneyGuide lists Powhatan, Virginia as its office and says it employs more than 140 people.Read 15 Oct 2026 · moneyguidepro.com
Data minimization
MoneyGuide says it stores names, birth dates, residence state and email, and does not store Social Security, credit-card or account numbers.Read 15 Oct 2026 · moneyguidepro.com
Estate planning
Wealth Studios adds advanced estate strategies, entities, gifting, trust strategies, fairness planning and dynamic net-worth views.Read 15 Oct 2026 · moneyguidepro.com
Founded and launch
The maker says its financial-software work began in 1985 and MoneyGuidePro was designed and launched in 2000.Read 15 Oct 2026 · moneyguidepro.com
Goal planning
The system supports single or multiple goals, priority-order funding and combined or individual goal results.Read 15 Oct 2026 · moneyguidepro.com
Goal-based planning
MoneyGuide supports goal-based financial plans, asset allocation plans, and lifetime income plans with Monte Carlo simulations on a single income stream.Read 3 Oct 2026 · moneyguidepro
Holistic stress testing
A slider-based presentation models uncontrollable risks such as market downturns, premature death and long-term-care needs.Read 15 Oct 2026 · moneyguidepro.com
Hosting
MoneyGuide is delivered as a web service with customer data on MoneyGuide-owned and managed servers; self-hosting is not offered.Read 15 Oct 2026 · moneyguidepro.com
Independent criticism
Financial-planning practitioners on Reddit describe the product as weaker for accumulation-phase clients, less tax and cash-flow detailed than alternatives, and sometimes slow or clunky.Read 15 Oct 2026 · reddit.com
Independent industry praise
Kitces describes MoneyGuidePro as easier to use than many competitors because of its straightforward goals-focused orientation.Read 15 Oct 2026 · kitces.com
Interactive collaboration
Advisors and clients can work on plans together online, and sharing permissions include view-only and update-all modes.Read 3 Oct 2026 · moneyguidepro
License model
The service and content remain owned by MoneyGuide or licensors; subscribers receive limited use rights and may not redistribute the software.Read 15 Oct 2026 · moneyguidepro.com
Limit: Capterra tax planning
A Capterra reviewer says the product is not tax-planning software and makes Roth-conversion and annual-tax explanations difficult.Read 15 Oct 2026 · capterra.com
Limit: Client View app
App Store reviewers report account-add errors, poor MoneyGuidePro synchronization, limited tax-status categories, password problems and frequent lockups.Read 15 Oct 2026 · apps.apple.com
Limit: feature depth
G2 criticism includes missing phone app, HSA and budgeting additions, plus complaints that the product has not kept pace with newer tools.Read 15 Oct 2026 · g2.com
Limit: mobile availability
TrustRadius lists Mobile Application as No.Read 15 Oct 2026 · trustradius.com
Limit: performance and workflow
G2 reviewers mention slow loading, cumbersome navigation, tedious live updating and unreliable account aggregation.Read 15 Oct 2026 · g2.com
LinkedIn company profile
LinkedIn lists Envestnet MoneyGuide as a financial-services company headquartered in Powhatan, Virginia with 1,001–5,000 employees.Read 15 Oct 2026 · linkedin.com
Monte Carlo
Monte Carlo simulations model lifetime income and compare plan scenarios, including expense changes and removal of lower-priority goals.Read 15 Oct 2026 · moneyguidepro.com
Notable pricing limit
The site says applicable state and local taxes are not included in the listed prices.Read 3 Oct 2026 · moneyguidepro
Ownership event
Envestnet completed its acquisition of PIEtech, the MoneyGuide creator, on May 1, 2019 for about $500 million in cash and stock consideration.Read 15 Oct 2026 · sec.gov
Planning tools
The product includes retirement, college, estate, insurance-needs, risk-management, tax-planning, and Social Security features.Read 3 Oct 2026 · moneyguidepro
Platform compatibility
The FAQ lists Windows PCs, Apple Macs, iPads, and iPhones as compatible devices and describes MoneyGuide as completely web-based.Read 3 Oct 2026 · moneyguidepro
Play Zone
Play Zone lets clients move sliders for controllable items such as retirement age, goals and savings and see plan effects immediately.Read 15 Oct 2026 · moneyguidepro.com
Praise: Capterra usability
Capterra reviewers describe MoneyGuidePro as user-friendly after learning it, with clean navigation and strong client visibility into plans.Read 15 Oct 2026 · capterra.com
Praise: usability and communication
G2 reviewers repeatedly praise the short learning curve, client-friendly interface, scenario tools and detailed reports.Read 15 Oct 2026 · g2.com
Public API
Envestnet APIs expose MoneyGuide goal summaries, expense timelines and success-meter data for enabled firms.Read 15 Oct 2026 · developer.envestnet.com
Rating on Apple App Store
Envestnet Client View is rated 3.5 out of 5 from 13 ratings.Read 15 Oct 2026 · apps.apple.com
Rating on Capterra
5.0 out of 5 from 2 reviews.Read 15 Oct 2026 · capterra.com
Rating on G2
4.0 out of 5 from 23 reviews.Read 15 Oct 2026 · g2.com
Rating on TrustRadius
6.7 out of 10 from 6 reviews and ratings.Read 15 Oct 2026 · trustradius.com
Security and data collection
The security page says MoneyGuide does not collect or store Social Security, credit card, or account numbers and that client data is encrypted in transit using TLS.Read 3 Oct 2026 · moneyguidepro
Security certification
The company says its Richmond data center and disaster recovery data center are audited and certified annually to SOC 2 Type II.Read 3 Oct 2026 · moneyguidepro
Security controls
The company states that its Richmond, Virginia data center is annually SSAE-18 SOC 2 Type II audited, uses TLS, firewalls, intrusion detection and encrypted backups.Read 15 Oct 2026 · moneyguidepro.com
Stress testing
Historical back-tests, rolling-period tests, bad-timing tests and asset-class sensitivity tests are included.Read 15 Oct 2026 · moneyguidepro.com
System requirements
Supported environments include Windows PCs, Apple Macs, iPads, iPhones and current Edge, Firefox, Chrome or Safari with JavaScript, cookies, font downloads and a PDF reader.Read 15 Oct 2026 · moneyguidepro.com
Transactional limits
MoneyGuide describes itself as non-transactional, and says clients cannot access, move, or withdraw funds through the application.Read 3 Oct 2026 · moneyguidepro
What-if analysis
Advisors can vary returns, inflation, goals, savings, investments, retirement income, longevity, taxes and Social Security assumptions.Read 15 Oct 2026 · moneyguidepro.com

Plans and prices

MyBlocks Individual $125 a year per advisor; annual subscription paid monthly Self-registration · 20+ blocks · Yodlee FinApps · MoneyGuide integration · first 100 registrants included, then $10 per lead Read 15 Oct 2026 · moneyguidepro.com
MyBlocks Individual $125 a month Annual Subscription / Paid Monthly; per advisor Self-Registration for prospecting · Access to all 20+ blocks · Yodlee FinApps · Data integration with MoneyGuide; subscription required for integrations Read 3 Oct 2026 · moneyguidepro.com
Client Portal with MX $400 a year per user; annual add-on Account aggregation · living-plan data updates Read 15 Oct 2026 · moneyguidepro.com
Client Portal with Yodlee $400 a year per user; annual add-on Client account linking · personal financial-management tools Read 15 Oct 2026 · moneyguidepro.com
MX add-on $400 a year Annually; per user MX account aggregation integration Read 3 Oct 2026 · moneyguidepro
Yodlee Client Portal add-on $400 a year Annually; per user Client account linking through the Client Portal Read 3 Oct 2026 · moneyguidepro
Dash $500 a year per user; annual add-on Prospecting tool · website embedding · pre-filled values · account aggregation · data flows into MoneyGuide Read 15 Oct 2026 · moneyguidepro.com
Dash add-on $500 a year Annually; per user Personalized planning journey for clients and prospects Read 3 Oct 2026 · moneyguidepro
MyBlocks $600 a year per user; annual add-on Interactive modular planning · 20+ blocks · client-led planning · Yodlee FinApps · MoneyGuide data integration Read 15 Oct 2026 · moneyguidepro.com
MyBlocks add-on $600 a year Annually; per user Interactive modular financial planning tool Read 3 Oct 2026 · moneyguidepro
Morningstar Risk Profiler $739 a year per user; annual add-on Psychometric risk-tolerance assessment Read 15 Oct 2026 · moneyguidepro.com
Morningstar Risk Profiler add-on $739 a year Annually; per user Risk tolerance assessment Read 3 Oct 2026 · moneyguidepro

Every MoneyGuide plan and price →

Strong points and limits

Strong points

  • Online collaboration with adjustable sharing permissions
  • Planning tools span retirement, tax, and estate topics
  • Scenario modeling includes inflation and longevity
  • Compatible with Windows, Mac, iPad, and iPhone
  • 14-day MyBlocks trial requires no credit card

Limits

  • Clients cannot access or move funds
  • Listed prices exclude applicable state and local taxes
  • MyBlocks trial expires automatically

Who it suits

MoneyGuide suits financial advisors who want to build plans with clients around goals, retirement, taxes, insurance, or other listed planning areas. Its online collaboration and account-linking options support shared planning work.

MoneyGuide in depth

Read the full write-up

Overview

MoneyGuide is financial-planning software for advisors working with clients on lifetime goals. It is best suited to practices that want collaborative planning across retirement, tax, insurance, estate and investment needs. Its breadth and client-facing tools are compelling, but clients cannot move money through it, and advisor-based pricing needs to fit the practice.

Key features

Advisors can build goal-based, asset-allocation and lifetime-income plans, with Monte Carlo simulations for a single income stream. The range of approaches supports varied planning needs; the single-stream scope matters when a plan requires that simulation to cover multiple income streams.

Advisors and clients can work on plans online, with permissions from view-only to update-all. That gives clients a role in the planning process while allowing the advisor to control how much they can change. Tools cover retirement, college, estate, insurance needs, risk management, tax planning and Social Security. What-if scenarios and stress tests can model changes in market returns, inflation, taxes and longevity.

Clients can link accounts using MX or Yodlee, and the integrations directory includes Redtail and Wealthbox. MoneyGuide says it does not collect or store Social Security, credit card or account numbers, and encrypts client data in transit using TLS. Its Richmond and disaster-recovery data centers are audited and certified annually to SOC 2 Type II. The application is non-transactional: clients cannot access, move or withdraw funds through it. That separation may suit planning practices, but not clients looking for planning and money movement in one application.

Pricing

MoneyGuide has no free plan, and its advisor subscriptions are priced per advisor. The core MoneyGuide plan is $2,000 a year, billed annually, and includes Advanced Lifetime Protection, Allocation Comparison, Auto Goals, Business & Plan Analytics, Client Planning Portal, Tax Planning and Social Security Optimization. It fits advisors who need those advanced planning and portal capabilities.

Wealth Studios costs $2,500 a year per advisor, billed annually. It adds advanced estate strategies, detailed cash-flow planning, dynamic net worth over time, trust strategies and ultra-high-net-worth planning, making it the more relevant choice for advisors whose client work calls for those capabilities. Platform costs $3,000 a year per advisor, billed annually, and includes MoneyGuide, Wealth Studios, Dash and My Blocks. For practices seeking that bundled set, it avoids choosing those products separately; the lower-priced core plans do not include the full Platform bundle.

MyBlocks Individual costs $125 a month per advisor on an annual subscription paid monthly. It provides self-registration for prospecting, access to 20+ blocks, Yodlee FinApps and MoneyGuide data integration; a subscription is required for integrations. It is a lower-cost entry point for advisors focused on MyBlocks rather than the full MoneyGuide plan. The 14-day MyBlocks trial requires no credit card and expires automatically. Taxes are additional where applicable.

Add-ons are priced per user and billed annually: MX account aggregation is $400 a year; Yodlee Client Portal account linking is $400 a year; Dash, a personalized planning journey for clients and prospects, is $500 a year; MyBlocks, an interactive modular planning tool, is $600 a year; and Morningstar Risk Profiler, a risk-tolerance assessment, is $739 a year. These costs matter for practices that need the corresponding functions across multiple users. Pricing for the broader product is on request.

Platforms

MoneyGuide is web-based and compatible with Windows PCs, Apple Macs, iPads and iPhones. The listed platforms are iOS, macOS, web and Windows. Complimentary live support is available by phone, email and chat during weekday support hours.

Who it's for

MoneyGuide suits financial advisors who want clients involved in online planning and need tools across multiple financial goals. Account linking and integrations can complement an existing advisory workflow, while its non-transactional design makes it a poor fit for clients who expect to manage or withdraw funds within the planning application.

Pros and cons

Broad planning coverage: Retirement, college, estate, insurance, risk, tax and Social Security tools support varied planning needs in one product.

Controlled collaboration: View-only and update-all permissions let advisors tailor client participation.

Clear transaction boundary: The application does not let clients access or move funds, so it cannot replace a transactional account platform.

Advisor-based costs: Annual per-advisor plans and per-user add-ons can make the total depend on both the selected package and team size.

Limited simulation scope: Monte Carlo simulations apply to a single income stream.

Alternatives

Conquest is worth considering for US-based independent advisors and boutique firms, typically teams of 10 or fewer; its waitlist is free, while its 14-day trial is upcoming.

FinStak is an alternative for buyers seeking a freemium product with Android and iOS apps as well as web access. Advyzon is another paid option, with Android, iOS and web platforms.

eMoney Advisor may suit advisors seeking Android, iOS, API and web access, with pricing based on organizational needs. Fin365 is a paid web-based alternative with a free trial.

RightCapital is a paid option with Android, iOS and web support, a free trial, and a first-year annual commitment. Worksorted offers one licence with unlimited users and flexible functionality. Xplan lets firms select a package and modules to fit business requirements.

Compare more options in Financial Advisor Software and Financial Planning Software.

Verdict

Choose MoneyGuide if you are an advisor who wants clients engaged in a broad, goal-based planning process, with scenario analysis and account linking alongside specialist planning tools. Its strongest case is the combination of planning depth and controlled collaboration. Look elsewhere if clients need to move money in the same application, or if advisor-based annual subscriptions and add-on costs do not suit your practice.

Verdict

MoneyGuide combines goal-based planning, scenario analysis, and client collaboration in a web-based application. Its non-transactional design and advisor-priced subscriptions are important considerations when evaluating fit and cost.

Where Specifiction places it

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