- Home
- Financial Advisor Software
- MoneyGuide
MoneyGuide
Powhatan, Virginia, United States
What it is
MoneyGuide is financial planning software from Envestnet for advisors helping clients plan 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 work on plans online with view-only or update-all sharing permissions. 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, longevity, and other uncertainties. Clients can link accounts through MX or Yodlee, and listed integrations include Redtail and Wealthbox. MoneyGuide says it encrypts client data in transit using TLS and does not collect or store Social Security, credit card, or account numbers. It is web-based and compatible with Windows PCs, Macs, iPads, and iPhones. The application is non-transactional, so clients cannot use it to access, move, or withdraw funds. A 14-day MyBlocks trial is available without a credit card; paid plans have listed prices, and applicable state and local taxes are not included.
For and against
For
- Online collaboration includes view-only and update-all modes.
- Planning tools span retirement, estate, tax, and Social Security.
- Scenarios can model inflation, taxes, and longevity.
- 14-day MyBlocks trial requires no credit card.
- Compatible with Windows, Mac, iPad, and iPhone.
Against
- No free plan.
- Clients cannot access or move funds through the application.
- Applicable state and local taxes are not included.
- Trial account expires after 14 days.
The verdict
MoneyGuide combines lifetime goal planning with online advisor-client collaboration and a broad set of planning tools. It is planning software rather than a transactional service, and paid plan pricing should be reviewed alongside applicable taxes.
Who it suits
MoneyGuide is for financial advisors who plan with clients and need goal, scenario, and tax-planning tools. Its online sharing options also suit clients who want to review or update plans collaboratively.
Plans and prices
MyBlocks Individual
Self-registration · 20+ blocks · Yodlee FinApps · MoneyGuide integration
Read 15 Oct 2026 · moneyguidepro.com
Client Portal with Yodlee
Client account linking · personal financial-management tools
Read 15 Oct 2026 · moneyguidepro.com
Client Portal with MX
Account aggregation · living-plan data updates
Read 15 Oct 2026 · moneyguidepro.com
Dash
Prospecting tool · website embedding · pre-filled values · account aggregation
Read 15 Oct 2026 · moneyguidepro.com
MyBlocks
Interactive modular planning · 20+ blocks · client-led planning · Yodlee FinApps
Read 15 Oct 2026 · moneyguidepro.com
Morningstar Risk Profiler
Psychometric risk-tolerance assessment
Read 15 Oct 2026 · moneyguidepro.com
MoneyGuide
Advanced Lifetime Protection · Allocation Comparison · Auto Goals · Business & Plan Analytics
Read 15 Oct 2026 · moneyguidepro.com
Wealth Studios
Advanced Estate Strategies · Detailed Cash-Flow Planning · Dynamic Net Worth Over Time · Entities
Read 15 Oct 2026 · moneyguidepro.com
Platform
MoneyGuide · Wealth Studios · Dash · MyBlocks
Read 15 Oct 2026 · moneyguidepro.com
On the record
- Account aggregation
- MoneyGuide says clients can link accounts through either MX or Yodlee aggregation options.moneyguidepro · read 3 Oct 2026
- Aggregation
- MoneyGuide offers MX and Yodlee account aggregation choices for client-linked accounts.moneyguidepro.com · read 15 Oct 2026
- API access limits
- API reference material and credentials require Envestnet Developer Portal credentials and an enabled firm integration; no public SDK is listed.developer.envestnet.com · read 15 Oct 2026
- API scenarios
- The Monte Carlo API returns plan results and the Play Zone API returns results after client scenario changes.developer.envestnet.com · read 15 Oct 2026
- Cash-flow planning
- Retirement Cash Flow charts map goals, options, surpluses and shortfalls across the plan horizon.moneyguidepro.com · read 15 Oct 2026
- Client collaboration
- Plans can be shared online between advisor and client or between advisors, with clients able to access plans remotely.moneyguidepro.com · read 15 Oct 2026
- Company location and size
- Envestnet MoneyGuide lists Powhatan, Virginia as its office and says it employs more than 140 people.moneyguidepro.com · read 15 Oct 2026
- Data minimization
- MoneyGuide says it stores names, birth dates, residence state and email, and does not store Social Security, credit-card or account numbers.moneyguidepro.com · read 15 Oct 2026
- Estate planning
- Wealth Studios adds advanced estate strategies, entities, gifting, trust strategies, fairness planning and dynamic net-worth views.moneyguidepro.com · read 15 Oct 2026
- Founded and launch
- The maker says its financial-software work began in 1985 and MoneyGuidePro was designed and launched in 2000.moneyguidepro.com · read 15 Oct 2026
- 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.moneyguidepro · read 3 Oct 2026
- Goal planning
- The system supports single or multiple goals, priority-order funding and combined or individual goal results.moneyguidepro.com · read 15 Oct 2026
- Holistic stress testing
- A slider-based presentation models uncontrollable risks such as market downturns, premature death and long-term-care needs.moneyguidepro.com · read 15 Oct 2026
- Hosting
- MoneyGuide is delivered as a web service with customer data on MoneyGuide-owned and managed servers; self-hosting is not offered.moneyguidepro.com · read 15 Oct 2026
- 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.reddit.com · read 15 Oct 2026
- Independent industry praise
- Kitces describes MoneyGuidePro as easier to use than many competitors because of its straightforward goals-focused orientation.kitces.com · read 15 Oct 2026
- Integrations
- The integration catalog covers CRM, custodians, account aggregation, portfolio analytics, data gathering, risk tolerance and client-portal providers.moneyguidepro.com · read 15 Oct 2026
- Interactive collaboration
- Advisors and clients can work on plans together online, and sharing permissions include view-only and update-all modes.moneyguidepro · read 3 Oct 2026
