In my 11 years as a financial planner, eMoney is my favorite planning platform out of more than 5 others I've tried. The pricing is also competitive. It's very user-friendly for both me and my clients. Because of its versatility, it's also my clients' favorite. The ability to address all aspects of financial planning in one tool really communicates how those aspects are interrelated. How a particular investment or transaction affects taxes and goals is critical for my clients to understand. My clients and I love the ability to analyze how being underinsured affects their family's future well-being, or how the projections suggest that a client might be living too much for tomorrow instead of living in the moment. eMoney is also always looking for ways to improve the client's experience as well as the planner's experience. Platform updates and improvements come regularly, but I never find myself wishing they would have left it alone. Each update is a legitimate upgrade. Recent improvements have come to their Decision Center, which has really increased my client's understanding of how changing strategies or assumptions affect their future finances in terms of retirement, goal funding, taxes, etc. The platform is intuitive to the extent that I rarely have to seek out support from their tech team. But when I do, their staff is always able to assist in a timely manner. They're very familiar with the underlying logic, and they're often financial planners too. This means that not only do they understand what I want to model, but also why I want to do it. The data aggregation feature of the platform is a big time-saver for me and my clients. No data aggregation is perfect, but this one gets close. When I find a flaw, submitting a ticket is easy and the response is quick. Their tech team is also very good about keeping me updated with progress. Finally, my clients and I appreciate all the types of reports and simulations the system can perform. When my clients ask for some sort of analysis or projections, I feel like eMoney always has the right tool or report to resolve the need.

It's a cash flow-based planning software which (I believe) is the most useful and effective kind. The "Decision Center" is extremely cool and hugely helpful when building and then presenting plan options to clients. And I love the various optimizers built in. Perhaps most of all, I love how useful it is in doing tax planning — things like automatically showing you the impacts of filling up certain tax brackets with Roth conversions and what the net lifetime tax impact is. Clients also appreciate the visibility they get in their client dashboard.

eMoney allows me to better serve my clients by organizing all data in one location that can be presented in an aesthetically pleasing manner.