Overview

eMoney Advisor is a financial planning platform built for professional advisors, including banks, broker-dealers, and registered investment advisors. It is best suited to firms that want planning and ongoing client access in the same system. Its breadth is useful, but the split between planning approaches across plans and custom pricing make careful plan selection essential.

Key features

The three plans differ most in the planning work they support: Plus includes goals-based planning, Pro includes cash flow planning, and Premier includes both. Firms that need only one approach can choose the matching lower tier; advisors who need both will have to consider Premier. The platform also supports tax, scenario, insurance, and investment planning, alongside goal planning and cash-flow modeling.

CoPlanner analyzes client facts and produces strategies for an advisor to review and refine. That can help structure planning work while leaving the advisor responsible for judgment and recommendations. All plans include a Client Portal for clients to access important updates and documents; Premier upgrades this to the Premium Client Portal. Its mobile app, available on iOS and Android, adds biometric support and notifications, making ongoing access available beyond the web experience.

Account aggregation, spending and budgeting tools, business analytics, and integrations are included across the plans. The integrations directory includes Addepar, AdvicePay, Fidelity, Orion, Redtail, Schwab, Wealthbox, and YCharts, a useful starting point for firms already working with those providers. Enterprise solutions use APIs and aggregation tools to extend planning capabilities and create scalable client experiences.

eMoney says it uses TLS connections, encrypted links for data transmission, geographically dispersed real-time data replication, and annual disaster recovery tests. It also conducts an annual SOC 2 audit covering the company and its datacenters. Support is included with all products and runs Monday through Friday, 8:00 a.m. to 8:00 p.m. ET. Advisor licenses include daily live training webinars; separate live workshops are paid.

Pricing

eMoney Advisor is paid software with custom pricing: costs vary by organizational needs, and buyers are directed to contact sales for an estimate. There is no free plan, but a free trial is available through a request form that asks for business contact and company information.

Pro: Custom pricing. Includes cash flow planning, CoPlanner, Client Portal, account aggregation, spending and budgeting tools, business analytics, and integrations. It fits firms focused on cash flow planning; it does not include goals-based planning.
Plus: Custom pricing. Includes goals-based planning, CoPlanner, Client Portal, account aggregation, spending and budgeting tools, business analytics, and integrations. It suits firms centered on goal-based work, but does not include cash flow planning.
Premier: Custom pricing. Includes both goals-based and cash flow planning, CoPlanner, Premium Client Portal, account aggregation, spending and budgeting tools, business analytics, and integrations. It is the relevant tier for firms needing both planning approaches or the upgraded portal.

Because no plan has a published price, firms cannot compare the tiers by cost before requesting an estimate. The practical choice is driven by which planning approach and client portal the firm needs, then whether the quoted price fits its organizational requirements.

Platforms

eMoney Advisor supports web, iOS, and Android, as well as an API. The mobile app is specifically associated with the Premium Client Portal and is available through the App Store and Google Play. API support also underpins the enterprise offering for organizations extending planning through integrations and aggregation tools.

Who it's for

This is a professional advisor platform, not a general-purpose personal finance app. Banks, broker-dealers, and registered investment advisors can use its planning and client portal tools, with the plan tiers allowing firms to select goals-based planning, cash flow planning, or both. Firms that need transparent public pricing or only one narrow planning capability may prefer to compare other options before entering a sales process.

Pros and cons

Pro: The three-tier structure lets firms choose goals-based, cash flow, or combined planning rather than paying for a single fixed approach.
Pro: CoPlanner generates strategies for advisor review, while client portal access and aggregation support a connected planning relationship.
Pro: Included support and daily live training webinars give advisor license holders ongoing assistance and training.
Con: The lower tiers divide goals-based and cash flow planning, so firms needing both must consider Premier.
Con: Custom pricing and a request-based trial make it harder to assess cost and start evaluating the platform without a business inquiry.

Alternatives

Compare eMoney Advisor with Financial Advisor Software and Financial Planning Software if you want to survey the broader categories. Consider Conquest if you are a US-based independent advisor or boutique firm, typically a team of 10 or fewer; its waitlist is free, and a 14-day trial is upcoming. Fin365 is another paid web-based option with a free trial.

FinStak is worth considering if a freemium option or a published per-user monthly price is important; its Basic plan is $60.00 USD per month and its Pro plan is $80.00 USD per month. Choose MoneyGuide if its published MyBlocks Individual price of $125.00 USD per month, billed as an annual subscription paid monthly per advisor, better suits your budgeting needs.

One Adviser is a paid web-based alternative with seat-based plans, including a $29.00 AUD per month Client Service / Admin seat. RazorPlan offers a paid web plan at $69.00 USD per month, with an annual subscription option at $745. RightCapital is a paid option for web and mobile, with a Basic plan at $149.95 USD per year and a first-year annual commitment. Voyant is another paid web-based alternative.

Verdict

eMoney Advisor is a strong fit for established advisory firms that want planning tools, client access, and integrations in one platform, especially when they need both goals-based and cash flow planning. Its advisor-reviewed CoPlanner strategies and included training and support add practical value to that package. Look elsewhere if public pricing is a requirement or if the separation of planning capabilities across the lower tiers does not match your needs; the custom quote and Premier requirement for both approaches are the central trade-offs.

	eMoney Advisor	PlanTechHub
Free trial	Yes
Paid from		$90/mo
Platforms	Android, api, iOS, Web	Web
Cash-flow modeling	Yes	Yes
Goal planning	Yes	Yes
Tax planning	Yes	Yes
Scenario analysis	Yes	Yes
Insurance planning	Yes	Yes
Investment planning	Yes	Yes
Client portal	Yes	Yes
Free plan		Yes

eMoney Advisor vs PlanTechHub

eMoney Advisor

PlanTechHub