What is the best wealth management software for financial advisors in 2026?
There isn't one tool. Most independent firms run a CRM plus a planning engine, and the pair costs roughly $190 to $350 per advisor per month at published prices.
Search "wealth management software" and you get lists that pile CRMs, planning tools, portfolio reporting and client portals into one ranking. That's not how an advisory firm buys. You pick a CRM to run clients, tasks and compliance notes, then a planning tool to build the plan your client actually sees. Portfolio management and rebalancing usually come from your custodian or a third system.
The short answer: Wealthbox is the CRM we'd start with, simple and priced in the open from $59 per user per month. RightCapital is the planning tool with the clearest pricing, from $149.95 per advisor per month. Redtail is the cheapest serious CRM at $39 per user per month on annual billing. eMoney and MoneyGuide are the two other planning names most advisors use, both on custom quotes.
Industry surveys of independent advisors put eMoney, MoneyGuide and RightCapital as the three most used planning tools, each with a share in the 20s. None of them is a default you can't question.
The ranking is editorial: a sponsored spot is always flagged on its card, and no affiliate link changes a score.
The best advisor software by need
From $59 per user per month, AI notetaker as an add-on
Planning with clear pricingFrom $149.95 per advisor per month, 14-day trial
Cheapest serious CRM$39 per user per month billed annually, up to 5 users
Deep cash-flow planningCustom quote, built for complex households
Goals-based planningCustom quote, part of Envestnet
The cheapest full stack$188.95 per advisor per month at entry level
5 advisor software tools compared
The full ranking. Two of the five are CRMs, three are planning tools: you'll usually pick one of each. Where a vendor doesn't publish prices, we say "custom quote" instead of repeating figures from review sites.
| Best for | What it does for you | Free plan | Team size | Visit | ||||
|---|---|---|---|---|---|---|---|---|
| 1 | Wealthbox | Best CRM overall | Client CRM, workflows, notes | 4.4/5 | $59/user/mo (Basic) | — | Solo advisors to mid-size RIAs | Visit → |
| 2 | RightCapital | Best planning value | Financial plans, tax and retirement scenarios | 4.3/5 | $149.95/advisor/mo (Basic) | — | Independent planners | Visit → |
| 3 | Redtail CRM | Best budget CRM | Client CRM with imaging on Growth | 4.2/5 | $39/user/mo annual, $45 monthly | — | Small firms, up to 5 users on Launch | Visit → |
| 4 | eMoney | Best for complex cash flow | Detailed cash-flow planning and client portal | 4.1/5 | Custom quote | — | Firms serving high-net-worth households | Visit → |
| 5 | MoneyGuide | Best goals-based planning | Goals-based plans clients can follow | 4.0/5 | Custom quote | — | Advisors who plan around client goals | Visit → |
Prices from each vendor's official pricing page in 2026, in US dollars. "Custom quote": the vendor publishes no price list and sends you to a demo.
Is your tool missing from this page? Email us: hello@hackceleration.com
How we compared and scored
The top results for this search are mostly vendor blogs and affiliate lists. They rank CRMs against portfolio platforms against planning tools as if they did the same job, and almost none of them adds up what a firm pays for the pieces it really needs. None mentions that RightCapital asks for a full first-year commitment.
We read each vendor's official pricing page, product documentation and plan limits, then advisor discussions on forums and in the r/CFP community, plus a large independent survey of the technology advisors use and like. A tool made the list if it's built for advisors, has a meaningful user base, and covers either the CRM or the planning side well.
Left out of the ranking: Orion, Black Diamond, Addepar, Advyzon and Masttro, which are portfolio reporting or all-in-one platforms sold on custom quotes to larger firms, and Salesforce Financial Services Cloud, a strong option for big teams with an admin, priced far above what a solo advisor needs.
Workflow fit counts most. Advisor software is judged by how many clicks it takes to go from a meeting to a logged note, a task and an updated plan.
- Fit for the advisor workflowBuilt around households, meetings, compliance notes and plan reviews.30 %
- Depth (CRM or planning)Workflows and records for a CRM; scenarios, tax and retirement modeling for planning.25 %
- Value for moneyPublished price per seat, commitment, add-ons.20 %
- IntegrationsCustodians, account aggregation, the other half of the stack.15 %
- Support and onboardingTrial, training, data import.10 %
No affiliate link changes a score or a rank.
Wealthbox
Wealthbox is the CRM advisors pick when they want something that feels like a modern app rather than a database. It's organized around contacts and households, notes, tasks and workflows, which is how an advisory firm runs its week.
Pricing is published: Basic at $59, Pro at $75 and Premier at $99 per user per month, with Enterprise on a custom quote. Two add-ons can change the bill: the AI Notetaker at $49 per user per month and Vault at $29. A three-person team on Pro with the notetaker pays $372 a month, so do the math with the add-ons you'll really turn on. The pricing page doesn't say clearly whether those prices assume annual billing, so ask before you sign.
The limit: Wealthbox is a CRM, not a planning tool. You still need RightCapital, eMoney or MoneyGuide to build plans, and the value of Wealthbox depends on how well it syncs with the one you choose.
- Built around households and workflows
- AI Notetaker add-on for meeting notes
- Published pricing from $59
- ✓Fast for a team to adopt
- ✓Clear price per seat
- ✓Enterprise tier for larger firms
- ✗Add-ons push the bill up quickly
- ✗Billing basis not stated clearly on the pricing page
- ✗No planning engine
The CRM to start with for most independent firms. Price it with the add-ons you'll actually use, then pair it with a planning tool.
RightCapital
RightCapital is the planning tool with the most transparent pricing in this group: Basic at $149.95, Premium at $209.95 and Platinum at $254.95 per advisor per month, with Enterprise on quote. Assistant access costs $40 per month. There's a 14-day free trial.
Two details matter more than the headline price. First, the first year is an annual commitment, so a trial that goes wrong after month two still costs you the year. Second, account aggregation starts on Premium. If you want client accounts to update automatically in the plan, Basic isn't enough, and your real entry price is $209.95.
On advisor forums, firms that use it say it does the job, and some still keep a spreadsheet next to it for edge cases. That's normal for any planning tool. If your clients have very complex cash flows, eMoney goes deeper.
- 14-day free trial
- Account aggregation from Premium
- Published pricing on every tier
- ✓Clearest price in planning software
- ✓Client-friendly plan presentation
- ✓Cheaper than most custom-quote rivals
- ✗Full-year commitment the first year
- ✗Aggregation only from $209.95
- ✗Assistant seats cost extra
The best planning value for an independent advisor. Budget for Premium if you want aggregation, and use the 14 days hard before the annual commitment kicks in.
Redtail CRM
Redtail is one of the longest-standing CRMs built for advisors, and it's the cheapest serious option in this list. Launch costs $39 per user per month on annual billing or $45 monthly, capped at 5 users. Growth costs $59 annually or $65 monthly, with unlimited users and two extras included: Imaging for document storage and Speak for client texting.
For a three-person team, Launch on annual billing comes to $117 a month, about a third of the same team on Wealthbox Pro with the notetaker. That gap pays for a good part of your planning tool.
The trade-off is the experience: next to Wealthbox, Redtail's screens look older, so book a demo of both. If your team is used to Redtail, there's little reason to move; if you're starting fresh, try both.
- Lowest published CRM price
- Imaging and Speak included on Growth
- Monthly or annual billing
- ✓$39 per user on annual billing
- ✓Long track record with advisors
- ✓Document storage and texting on Growth
- ✗Launch capped at 5 users
- ✗Interface feels older than Wealthbox
- ✗Launch costs about 15 % more on monthly billing
The CRM to pick when budget matters most. Go annual to save $6 per user per month, and move to Growth once you need more than 5 seats.
eMoney
eMoney is the planning tool most used by independent advisors in industry surveys. Its strength is cash-flow planning: detailed year-by-year projections, many accounts per household and a client portal where clients can see their whole financial picture.
That depth comes at a cost you can't see in advance: eMoney doesn't publish prices. Expect a sales call and a quote, and compare it with RightCapital's published tiers before you decide.
The limit: depth means a learning curve. Advisors on forums who compare eMoney, MoneyGuide and RightCapital often say each has its pros and cons; for simple plans eMoney can feel heavier than you need.
- Detailed cash-flow planning
- Client portal with consolidated view
- Most used planning tool in surveys
- ✓Deepest planning engine in this list
- ✓Strong for complex households
- ✓Widely known by other advisors and staff
- ✗No published pricing
- ✗Steeper learning curve
- ✗Overkill for simple plans
The right tool when your clients' finances are complex enough to need it. For simpler households, RightCapital gives you most of the benefit at a known price.
MoneyGuide
MoneyGuide, part of Envestnet, built its name on goals-based planning: you start from what the client wants to achieve and show the probability of getting there. Many advisors find it easier to explain in a meeting than a full cash-flow model.
It's one of the three most used planning tools among independent advisors. One firm on r/CFP that runs on MoneyGuidePro summed it up plainly: like anything else, it has its pros and cons, and they were still looking at RightCapital and eMoney.
Like eMoney, MoneyGuide doesn't publish its prices, so you can't compare costs without a sales call. Its place in the Envestnet group is a plus if you already use other Envestnet products.
- Goals-based planning
- Part of Envestnet
- Among the three most used planning tools
- ✓Plans that are easy to explain to clients
- ✓Large user base
- ✓Fits firms already on Envestnet
- ✗No published pricing
- ✗Less detailed than eMoney on cash flow
- ✗You need a sales call to compare
A solid pick if your planning conversations start from goals. Ask for a quote and compare it with RightCapital Premium before signing.
What your advisor stack really costs, and where the contract bites
The question isn't which single tool is best. It's what the CRM plus the planning tool cost per advisor, and what you're locked into.
Cost the pair, not the tool
Commitments and add-ons
In France or serving French clients?
- Add up CRM plus planning per advisor, with the add-ons you'll really use.
- Check whether account aggregation is in your tier or the next one.
- Ask how long the first commitment runs before the trial ends.
- Confirm the CRM and planning tool sync in both directions.
- Ask how you export clients, notes and documents if you leave.
- Run one real household through the trial, not the demo data.
Five habits that keep your stack lean
Advisors who rebuild their tech stack tend to make the same mistakes: paying for features they never turn on, or locking into a year before the team has tried the tool. Here's what comes up again and again.
Pick the CRM first
OrderYour CRM holds clients, notes and tasks for years; your planning tool is easier to swap. Choose the CRM your team will log into daily, then pick the planning tool that syncs best with it.
- Cheapest CRM
- Redtail, $39/user/mo annual
Use the trial before the commitment
ContractRightCapital gives you 14 days, then a full first year. Load two or three real households in week one, not at the end, so you know before the trial closes whether the plans hold up.
- RightCapital trial
- 14 days
Price aggregation in
PitfallAutomatic account updates are what saves time in planning, and on RightCapital they start on Premium. Compare tiers on what you actually need, not on the cheapest line.
- RightCapital aggregation
- From $209.95/mo
Turn on add-ons one at a time
CostAn AI notetaker sounds great in a demo. At $49 per user per month it can cost more than the CRM itself. Turn it on for one advisor for a month, measure the time saved, then decide.
- Wealthbox AI Notetaker
- $49/user/mo
Keep one spreadsheet, not ten
MethodEven happy RightCapital users keep a spreadsheet for edge cases. That's fine, as long as it's one file with a clear purpose. Ten side files mean the CRM isn't your source of truth anymore.
- Goal
- One record per household
Your advisor stack is picked, what's next
These pages cover nearby needs.
Wealth management software for advisors · FAQ
What software do most financial advisors use?
Most independent firms run a CRM such as Wealthbox or Redtail plus a planning tool. In planning, eMoney, MoneyGuide and RightCapital each hold a share in the 20s of independent advisors in industry surveys, so there's no single standard.How much does financial advisor software cost?
A CRM costs $39 to $99 per user per month at published prices (Redtail, Wealthbox). Planning starts at $149.95 per advisor per month on RightCapital. A full CRM plus planning stack runs about $190 to $350 per advisor per month before custom-quote tools.eMoney vs RightCapital vs MoneyGuide: which should I choose?
eMoney for detailed cash-flow planning on complex households, MoneyGuide for goals-based plans, RightCapital for the best value at a published price. Only RightCapital shows its prices; the other two need a sales call.Should I buy an all-in-one platform or separate tools?
For a solo advisor or small RIA, separate tools usually win: a CRM and a planning tool you each chose cost less than an all-in-one platform sold on quote. All-in-ones make more sense for larger firms with an operations team.Is there a free CRM for financial advisors?
Not among the advisor-specific CRMs we compared: Redtail starts at $39 per user per month billed annually and Wealthbox at $59. A generic free CRM lacks households and advisor workflows, and you'll rebuild them by hand.Does Wealthbox integrate with RightCapital?
Check the current integration list with both vendors before buying, and test the sync during RightCapital's 14-day trial. A sync that only goes one way means double entry for every new client.Can I switch advisor CRM without losing data?
Yes, if you plan it. Ask the new vendor for an import of a sample of your records, and check that notes and documents come across, not just contacts. Clean duplicates before you move.
