Freedom251 › Wealth Management
MoneyGuide
What MoneyGuide is
MoneyGuide is financial planning software for advisors helping clients plan toward lifetime financial goals. It supports goal-based plans, asset allocation, and lifetime income plans, including Monte Carlo simulations for a single income stream. Advisors and clients can work together 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 can model changes in market returns, inflation, taxes, longevity, and other uncertainties. Clients can link accounts through MX or Yodlee. The company says client data is encrypted in transit and that it does not collect or store Social Security, credit card, or account numbers. MoneyGuide is web-based and compatible with Windows PCs, Macs, iPads, and iPhones. It is non-transactional, so clients cannot access, move, or withdraw funds through it. A 14-day MyBlocks trial is available without a credit card. Paid options include MoneyGuide at $2,000 a year per advisor; the pricing note says pricing on request, and applicable taxes are not included.
Who it suits
It suits financial advisors collaborating with clients on goal-based plans, retirement, taxes, and other listed planning needs. Its web-based setup supports Windows PCs, Macs, iPads, and iPhones.
What it does well
- Online advisor-client plan collaboration
- Scenario tools model inflation and longevity
- Account linking through MX or Yodlee
- 14-day MyBlocks trial without a credit card
What to know first
- No free plan
- Clients cannot access or move funds through the app
- Listed prices exclude applicable taxes
Limits
The MyBlocks trial lasts 14 days and expires automatically. MoneyGuide has no free plan, and its application does not allow clients to access, move, or withdraw funds.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| MyBlocks Individual | per advisor; annual subscription paid monthly · Self-registration · 20+ blocks · Yodlee FinApps · MoneyGuide integration · first 100 registrants included, then $10 per lead | $125 |
| MoneyGuide | per advisor; annual subscription · Advanced Lifetime Protection · Allocation Comparison · Auto Goals · Business & Plan Analytics · Client Planning Portal · Custom CMA's · Health Care Cost Smart Goal · Holistic Stress Testing · Online Fact Finder · Plan Summary · Retirement Distribution · Risk Management · Risk Tolerance · Secure Income Modeling · Social Security Optimization · Tax Planning · What If Worksheet | $2,000 a year |
| Wealth Studios | per advisor; annual subscription · Advanced Estate Strategies · Detailed Cash-Flow Planning · Dynamic Net Worth Over Time · Entities · Fairness Planning · Fact Find · Family Tree · Gifting · Trust Strategies · Ultra-High-Net-Worth Planning | $2,500 a year |
| Platform | per advisor; annual subscription · MoneyGuide · Wealth Studios · Dash · MyBlocks | $3,000 a year |
| Client Portal with Yodlee | per user; annual add-on · Client account linking · personal financial-management tools | $400 a year |
| Yodlee Client Portal add-on | Annually; per user · Client account linking through the Client Portal | $400 a year |
| MX add-on | Annually; per user · MX account aggregation integration | $400 a year |
| Client Portal with MX | per user; annual add-on · Account aggregation · living-plan data updates | $400 a year |
The first 8 of 14 plans, as moneyguidepro.com lists them, read 15 Oct 2026. The maker's own page has the final word. Every plan
Getting started
- Visit the MoneyGuide website.
- Start the MyBlocks 14-day free trial without entering a credit card, or select a paid plan.
- Use the web-based service on a compatible Windows PC, Mac, iPad, or iPhone.
- Invite clients to work on plans online and set view-only or update-all sharing permissions.
- Connect client accounts through MX or Yodlee if using account aggregation.
Verdict
MoneyGuide brings a broad set of planning tools and collaborative permissions into a web-based application. It is a planning tool rather than a way for clients to transact or withdraw money.
Questions
Does MoneyGuide have a free plan or trial?
It has no free plan. MyBlocks offers a 14-day free trial without a credit card, and the account expires automatically at the end.
How much does MoneyGuide cost?
MoneyGuide is $2,000 a year per advisor, billed as an Annual Subscription. Applicable state and local taxes are not included in listed prices.
What platforms can run MoneyGuide?
It is completely web-based and compatible with Windows PCs, Apple Macs, iPads, and iPhones.
Can clients link financial accounts?
Yes. Clients can link accounts through MX or Yodlee aggregation options.
Can clients move money through MoneyGuide?
No. MoneyGuide describes itself as non-transactional; clients cannot access, move, or withdraw funds through the application.
Which integrations are listed?
The integrations directory includes providers such as Redtail, Wealthbox, MX, and Yodlee.
Facts from MoneyGuide's own pages
- Account aggregation
- MoneyGuide says clients can link accounts through either MX or Yodlee aggregation options. · moneyguidepro, 3 Oct 2026
- Aggregation
- MoneyGuide offers MX and Yodlee account aggregation choices for client-linked accounts. · moneyguidepro.com, 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, 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, 15 Oct 2026
- Cash-flow planning
- Retirement Cash Flow charts map goals, options, surpluses and shortfalls across the plan horizon. · moneyguidepro.com, 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, 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, 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, 15 Oct 2026
- Estate planning
- Wealth Studios adds advanced estate strategies, entities, gifting, trust strategies, fairness planning and dynamic net-worth views. · moneyguidepro.com, 15 Oct 2026
- Founded
- 2000 · moneyguidepro.com, 28 Sept 2026
- Founded and launch
- The maker says its financial-software work began in 1985 and MoneyGuidePro was designed and launched in 2000. · moneyguidepro.com, 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, 3 Oct 2026
- Goal planning
- The system supports single or multiple goals, priority-order funding and combined or individual goal results. · moneyguidepro.com, 15 Oct 2026
- Headquarters
- Powhatan, Virginia, United States · moneyguidepro.com, 28 Sept 2026
- Holistic stress testing
- A slider-based presentation models uncontrollable risks such as market downturns, premature death and long-term-care needs. · moneyguidepro.com, 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, 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, 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, 15 Oct 2026
- Integrations
- The integration catalog covers CRM, custodians, account aggregation, portfolio analytics, data gathering, risk tolerance and client-portal providers. · moneyguidepro.com, 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, 3 Oct 2026
- License model
- The service and content remain owned by MoneyGuide or licensors; subscribers receive limited use rights and may not redistribute the software. · moneyguidepro.com, 15 Oct 2026
- Limit: Capterra tax planning
- A Capterra reviewer says the product is not tax-planning software and makes Roth-conversion and annual-tax explanations difficult. · capterra.com, 15 Oct 2026
- Limit: Client View app
- App Store reviewers report account-add errors, poor MoneyGuidePro synchronization, limited tax-status categories, password problems and frequent lockups. · apps.apple.com, 15 Oct 2026
- Limit: feature depth
- G2 criticism includes missing phone app, HSA and budgeting additions, plus complaints that the product has not kept pace with newer tools. · g2.com, 15 Oct 2026
Where MoneyGuide stands on Freedom251
- Wealth Management#2 of 16
- Financial Advisor Software#5 of 31
- Financial Planning Software#13 of 34