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Financial planner software: what it does, what it costs, and how to choose

Financial planner software is really four tools doing four jobs: planning, CRM, portfolio reporting, and a client portal. Most independent planners run a stack, not a single program, and a solo practice usually spends $300 to $900 a month across the pieces. Below is what each category actually does, rough pricing, and how to pick without overbuying.

We are not a software reseller — we build websites and lead systems for service businesses, including financial advisory firms — so this is an honest map, not a pitch for one platform. We will tell you where the included AI lead capture in our own plans fits, and where it plainly does not.

The four jobs the software does

📊 Financial planning

~$100–$300/advisor/mo

Retirement projections, cash-flow and tax modeling, Monte Carlo, and the client-facing plan itself. RightCapital, eMoney Advisor, and MoneyGuidePro are the common choices. This is the tool clients actually see, so its output quality and portal matter more than its spreadsheet depth.

🗂️ CRM & workflow

~$35–$150/user/mo

Where contacts, tasks, review cadences, and compliance notes live. Wealthbox and Redtail dominate the independent space. A CRM that nobody updates is dead weight, so the deciding factor is whether your team will actually log calls in it.

📈 Portfolio reporting & rebalancing

~1–5 bps of AUM

Performance reporting, billing, and trade rebalancing — Orion, Black Diamond, and Tamarac live here. Usually priced on assets under management, so it scales with the book. A small practice can defer this until AUM justifies it.

🔗 Account aggregation & portal

often bundled

The client login that shows held-away accounts and the plan in one place. Frequently bundled into your planning software's portal, which is why buying planning and CRM that talk to each other matters more than buying the best of each in isolation.

How to actually choose

Where lead capture fits — and where it doesn't

None of the software above brings you a single new client. Planning tools and CRMs manage the relationships you already have. New prospects come from your website, search, and referrals — and that is the one gap we fill.

Our plans start at $249/month for a hand-built advisory site plus AI lead capture that answers questions, qualifies a prospect, and hands a named lead to whatever CRM you run. The $597 plan adds the SEO content engine and attribution, and from $1,750 adds a custom CRM and reputation automation if you would rather we run that layer too. Honestly: if your CRM is working, keep it — we feed it, we don't replace it. See the financial advisor website and financial advisor marketing pages for that side.

We don't post stock testimonials. On a 15-minute call we screen-share the real dashboards behind our own businesses — live leads, rankings, and the exact page that produced each one. See the proof →

Common questions

Can I start with just one tool?

Yes. A solo planner can run on planning software plus a spreadsheet for months. Add the CRM when contacts outgrow memory, and reporting when AUM justifies the basis-point cost.

Do I need software to get clients?

No — software keeps clients organized, it does not find them. A site that ranks and an AI that captures inquiries do. Browse other tool guides in the business software hub.

How does your AI lead capture fit a regulated firm?

It captures contact details and intent and routes them to you — it does not give advice. You own the leads and the conversation. See the AI receptionist page for exactly what it does and doesn't do.

Your software manages clients.
We bring you new ones.

Send your firm name and city — we'll build a free working demo of an advisory site with AI lead capture within 48 hours. No card, no commitment.

Prefer email? [email protected]

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