Alternatives to MoneyGuide

{"intro": "MoneyGuide gives financial advisors a broad framework for guiding clients toward lifetime goals. It combines goal-based, asset-allocation, and lifetime-income plans with Monte Carlo analysis, while retirement, college, estate, insurance, risk, tax, and Social Security tools support related decisions. Advisors and clients can collaborate online, run what-if stress tests, and link accounts through MX or Yodlee. It works through the web on Windows PCs, Macs, iPads, and iPhones, but has no free plan. MyBlocks starts at $125 a month when billed annually and paid monthly, while other plans and add-ons are billed annually or priced on request.\n\nReaders may look elsewhere for a free tier, lower published entry pricing, broader personal-finance modeling, investment implementation, or a client portal centered on documents and live data. Switching means weighing advisor-led planning against a narrower questionnaire or a household-focused platform. Compare cash-flow and tax depth, risk and investment tools, account-linking methods, collaboration features, supported devices, and whether the product can model the situations your clients face. Also check where an alternative is less complete: some focus on risk assessment, some cannot directly link accounts, and some provide investing or portal services rather than MoneyGuide’s planning breadth.", "rows": [{"ref": "sw:evpro", "name": "EVPro", "best_for": "Advisers needing risk, investment, cash-flow, and portfolio modules", "pricing": "Pricing on request; paid; free trial", "key_difference": "EVPro adds psychometric risk profiling, investment suitability, portfolio construction, and cash-flow probabilities across more than 1,000 market scenarios.", "choose_when": "Choose it when adviser workflows need integrated risk, investment, portfolio, and staged cash-flow modules beyond MoneyGuide’s planning suite."}, {"ref": "sw:pocket-risk", "name": "Pocket Risk", "best_for": "Advisors needing a focused branded risk questionnaire", "pricing": "Paid; 14-day trial", "key_difference": "Pocket Risk centers on a 15-question risk-tolerance assessment with visual reports and connections to up to 11 model portfolios.", "choose_when": "Choose it when a quick, customizable risk questionnaire matters more than MoneyGuide’s broad lifetime, tax, and scenario planning."}, {"ref": "sw:boldin", "name": "Boldin", "best_for": "Households wanting free, broad personal financial planning", "pricing": "Free plan; paid from $144/yr; 14-day trial", "key_difference": "Boldin offers a free household planning tier covering resources, values, benefits, taxes, real estate, and Monte Carlo scenarios.", "choose_when": "Choose it when clients want low-cost personal planning and broad household modeling, accepting manual entry for cost basis, allocations, and transactions."}, {"ref": "sw:projectionlab", "name": "ProjectionLab", "best_for": "International, tax-focused personal scenario modeling", "pricing": "Free plan; paid from $129/yr; 7-day trial", "key_difference": "ProjectionLab adds historical backtesting, international tax presets, advanced tax tools, and third-party data plugins, but no direct account linking.", "choose_when": "Choose it when international planning, tax optimization, or backtesting outweighs MoneyGuide’s advisor collaboration and direct aggregation options."}, {"ref": "sw:maxifi", "name": "MaxiFi", "best_for": "Lifetime spending and retirement optimization", "pricing": "From $109/yr; paid; free trial", "key_difference": "MaxiFi calculates sustainable spending, detailed federal and state taxes, benefits, Medicare premiums, and optimization choices for lifetime plans.", "choose_when": "Choose it when spending sustainability, tax calculations, benefit estimates, or retirement optimizers are the priority over MoneyGuide’s wider modules."}, {"ref": "sw:myprosperity", "name": "myprosperity", "best_for": "Advisers needing a collaborative client portal", "pricing": "Free plan; paid from 279/mo", "key_difference": "myprosperity emphasizes branded forms, DocuSign signing, rooms, live financial feeds, balance sheets, budgeting, and document storage.", "choose_when": "Choose it when client communication, signatures, documents, and live household data matter more than MoneyGuide’s goal and scenario planning."}, {"ref": "sw:betterment", "name": "Betterment", "best_for": "Consumers wanting automated investing and cash products", "pricing": "Free plan; paid from $5/mo", "key_difference": "Betterment combines guided and self-directed investing, automated tax-loss harvesting, cash products, and external-account goal tracking.", "choose_when": "Choose it when investment management, cash services, and automated tax features are more important than MoneyGuide’s advisor-led planning tools."}]}