Enables modeling of college savings goals, costs by institution type, inflation, investment returns, and expected family contributions. Integrates with broader plan projections and stress-tests college funding strategies.
More about MoneyGuidePro (Envestnet)
Tools for projecting education costs, analyzing funding strategies through 529 plans and other vehicles, and integrating education funding with overall financial plans.
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Intuitive Navigation Ease of navigating through the tool for both advisors and clients. |
MoneyGuide's UI is generally lauded for being modern and intuitive for both advisors and clients. | |
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Customizable Inputs Allows personalization of variables such as number of children, schools, or funding vehicles. |
Customizable inputs are a core selling point, including variables for number of children, school type, costs, etc. | |
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Responsive Design The interface adapts seamlessly to desktop, tablet, and mobile devices. |
Responsive design is described on the product site, supporting access via desktop, tablet, and mobile. | |
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Save & Resume Functionality Users can save their work and return later without data loss. |
Save & Resume functionality is standard in MoneyGuide for both clients and advisors. | |
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Input Validation Checks for invalid, incomplete, or out-of-range entries. |
Input validation is performed for all fields to avoid missing or out-of-range entries. | |
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Multilingual Support Tool provides support for multiple languages. |
No information available | |
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Accessibility Compliance Conforms with standards such as WCAG 2.1 for users with disabilities. |
MoneyGuide is designed with WCAG standards in mind, per publicly available accessibility statements. | |
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User Guidance & Tooltips Contextual explanations and help for each input field or scenario. |
Extensive tooltips and contextual help are available throughout the product. | |
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White-labeling Options Branding customization for advisory firms. |
White-labeling options for advisory firms are offered for branding. | |
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Drag-and-Drop Scenarios Easily create or compare scenarios by dragging and dropping elements. |
No information available | |
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Speed of Calculation Time required for calculations to be processed and displayed. |
No information available |
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Inflation Adjustments Automatically factors inflation rates into projections. |
Inflation adjustment is core to projections; users can select/model inflation rates. | |
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Database of Schools Contains comprehensive and up-to-date cost information for individual institutions. |
The platform supports up-to-date school cost data for projections. | |
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Tuition and Room/Board Projections Breakouts of projected tuition and living costs. |
Breaks out projected tuition and living costs are shown in output. | |
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State vs. Private Comparisons Easily compare costs between public and private schools. |
MoneyGuide supports state (public) vs. private school cost scenarios and displays side-by-side comparisons. | |
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Regional Cost Adjustments Takes into account geographic variations in education costs. |
Regional/geographic cost adjustments can be reflected via custom school or cost entries. | |
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Multi-Child Forecasting Supports projections for multiple children simultaneously. |
Supports multi-child forecasting in a single client plan with separate variables. | |
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Adjustable Attendance Years Customize years of attendance for each projected student. |
Custom attendance years can be entered for each student scenario. | |
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Automatic Data Updates School expense data is updated automatically with new figures. |
School cost data is maintained and regularly updated on the platform. | |
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Advanced Inflation Scenarios Model different inflation rates or scenarios for 'what-if' analysis. |
Advanced scenarios with different inflation rates for sensitivity analysis are supported. | |
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Historical Data Visualization Graph visualizations of historical education cost trends. |
No information available |
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529 Plan Modeling Robust support for projecting growth and usage of 529 plans. |
MoneyGuide is well known for 529 plan modeling capabilities. | |
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Other Tax-Advantaged Accounts Ability to analyze Coverdell ESAs, UGMA/UTMA, and IRAs as funding options. |
Can evaluate Coverdell ESAs, UGMA/UTMA, and IRAs as funding vehicles. | |
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Direct vs. Advisor-Sold 529 Analysis Compare performance, fees, and implications of each avenue. |
Direct vs advisor-sold plan analysis can be performed, including costs/fee impacts. | |
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State Tax Deduction Modeling Calculates impact of state-specific tax incentives. |
Can model state-specific tax treatment for 529 and other vehicles. | |
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Contribution Limit Warnings Alerts if planned contributions exceed legal or plan limits. |
Warns if scheduled/user-input contributions exceed allowed limits. | |
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Roll-over & Transfer Tools Assesses pros and cons of moving funds between accounts. |
Transfer/rollover impacts can be displayed in funding vehicle assumptions. | |
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Financial Aid Impact Estimates Projects how various funding strategies affect potential financial aid eligibility. |
The planning module estimates financial aid impact based on EFC and funding choices. | |
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Gift & Estate Tax Analysis Evaluates tax implications for relatives funding education. |
No information available | |
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Loan Strategy Modeling Assesses use of student and parent loans within overall plan. |
Can assess loan strategies for students and parents. | |
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Investment Option Comparisons Compares default or custom investment growth rates for each vehicle. |
Allows comparison of investment options and user-defined custom investment returns. |
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Overall Financial Plan Linkage Education projections are embedded within broader retirement and wealth plans. |
Education goal is one of several that can be modeled in the holistic MoneyGuide plan engine. | |
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Cash Flow Impact Analysis Shows how education funding alters available future cash flow. |
Cash flow analysis is integrated, including education funding impacts. | |
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Goal Prioritization Enables ranking and funding order for multiple financial goals. |
Goal prioritization and trade-offs scenarios are a core feature. | |
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Simultaneous Scenario Modeling Assess education alongside goals like retirement, home purchase, etc. |
Can compare concurrent scenarios (education, retirement, purchase) together. | |
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Custom Time Horizon Setting Set unique planning horizons for each education or family goal. |
Flexible time horizons can be set for each goal in client planning. | |
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Automated Alerts & Recommendations Prompt users if education funding is off-track relative to targets. |
No information available | |
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Asset Allocation Interaction Visualize the impact of various asset allocation choices on education funding. |
Shows impact of asset allocations on goal attainability within the plan. | |
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Income & Expense Integration Ties education planning projections to household budget analysis. |
Income/expense modeling, including for education, is part of core plan structure. | |
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Risk Tolerance Assessment Measures risk preferences in the context of education savings. |
Risk tolerance is factored and illustrated across all modeled goals. | |
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Adaptive Planning (Life Events) Automatically updates or recommends changes based on life event inputs. |
Adaptive planning with updates for major life events is a documented feature. |
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Custom Asset Growth Rates Input custom investment return or growth rates. |
Custom investment growth rates can be specified. | |
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Editable Inflation Assumptions Override default inflation rates used for projections. |
Editable inflation assumptions at the goal-level or plan-level are allowed. | |
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Modifiable Contribution Schedules Allow non-uniform or one-time contribution entries. |
Non-uniform and one-time contributions can be entered for funding goals. | |
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Override Tuition Cost Defaults Direct adjustment of projected expenses for individual cases. |
Tuition cost defaults can be directly overridden for client-specific projections. | |
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Selectable Investment Mix Change investment allocation assumptions for each funding vehicle. |
Selectable investment mixes are available per account or goal. | |
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Personalized Tax Rate Inputs Adjust federal or state tax rates for precise results. |
Allows input of personalized tax rates for state or federal calculations. | |
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Custom Grant/Scholarship Entries Add anticipated scholarships and grants to projections. |
Scholarships and grant assumptions can be entered as custom values. | |
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Variable Withdrawal Schedules Set different withdrawal timeframes or frequencies. |
No information available | |
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Editable Loan Interest Rates Adjust projected interest rates for student/parent loans. |
Loan rates are editable for different scenarios. | |
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Scenario Notes & Rationale Document rationale for client-specific overrides. |
No information available |
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Client Portal Access Clients can view, modify, or comment on calculator scenarios. |
Robust client portal allows review and modification of education goal calculations. | |
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Shareable Reports/Scenarios Export and share planning scenarios via email or secure links. |
Plans/reports can be shared securely by link or email. | |
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Real-time Collaboration Advisors and clients can work together in real time within the tool. |
Some real-time collaboration is possible for clients and advisors within the portal. | |
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Client Commenting Clients can comment or raise questions directly in their scenarios. |
No information available | |
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Advisor Notes & Action Items Advisors can record to-dos or follow up notes linked to each scenario. |
Advisor scenario notes and action items are a supported feature. | |
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Version History Tracking Track changes made to client scenarios over time. |
Change history/versioning is supported for compliance. | |
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E-signature Integration Clients can approve or acknowledge scenarios electronically. |
No information available | |
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Alert Notifications Automatic notifications to advisors/clients of changes or upcoming review dates. |
Alert notifications are sent for major plan changes or requests. | |
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Progress Tracking Dashboards Graphical dashboards to view progress toward education funding goals. |
Goal dashboards are available to visually track client/family funding progress. | |
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Document Upload & Storage Securely upload supporting documents (acceptance letters, receipts, etc.). |
No information available |
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Customizable Reports Templates for personalized, branded outputs. |
Customizable, branded reporting output is a hallmark of MoneyGuide. | |
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Visual Charts & Graphs Clear, insightful visualizations of projections and comparisons. |
Charts and graphs show projection details and funding progress. | |
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PDF & Excel Export Export reports in professional formats for sharing. |
PDF and Excel export are well-supported for client deliverables. | |
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Summary vs. Detailed Reports Choose short or comprehensive output levels for client needs. |
Summary/detailed reports can be selected as needed. | |
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Projection Sensitivities Show the impact of adjusting key variables on plan outcomes. |
Sensitivity modeling is part of scenario analysis tools. | |
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Audit Trail Inclusion Automated log of planning assumptions and changes for compliance. |
Audit trail of plan changes and assumptions included for compliance. | |
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Scenario Comparison Reports Side-by-side reporting of multiple funding strategies. |
Scenario comparison reports are standard output. | |
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Goal Progress Milestone Reporting Visuals and narrative on how close the client is to the funding goal. |
Goal progress visuals incorporated in client/advisor reports. | |
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Regulatory Compliance Highlights Highlight compliance-relevant details in prints/exports. |
No information available | |
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Automated Periodic Reports Schedule recurring reports for clients, e.g. annually. |
No information available |
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CRM Integration Connects directly to client record management systems. |
Integrations with common CRM systems (e.g., Redtail, Salesforce) are advertised. | |
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Financial Planning Software Integration Links with major financial planning tools/platforms. |
MoneyGuide integrates with financial planning suites and platforms. | |
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Account Aggregation Support Automatically pull in client account data (529 balances, IRAs, etc.). |
Account aggregation is available, e.g., via Yodlee integration. | |
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Data Import/Export (CSV, Excel, API) Flexibility for user-managed data flows. |
Import/export to Excel/CSV/APIs is supported in advisor tools. | |
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Open Banking Standards Support Compliance and support for secure external data connections. |
No information available | |
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Single Sign-On (SSO) Integrates authentication with other firm systems. |
SSO support is listed among security/integration features. | |
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Bulk Scenario Creation Upload large numbers of client cases or prospects simultaneously. |
No information available | |
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Partner School Data Feeds Live updates from educational institutions or grant providers. |
No information available | |
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API Access for Developers Allows custom development and integration with third-party services. |
No information available | |
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Cloud Storage Integration Sync reports and plans with major cloud storage providers. |
No information available |
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Data Encryption All client data is encrypted at rest and in transit. |
Data is encrypted at rest and in transit, per SOC 2 and industry standards. | |
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User Access Controls Granular security permissions for different advisor/client roles. |
Granular access controls are supported for user and advisor roles. | |
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Audit Logs Full history of user activity for compliance. |
Audit logs are maintained for compliance; referenced in documentation. | |
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SOC 2 Compliance Adheres to relevant SOC 2 security and operational controls. |
SOC 2 certification achieved and referenced. | |
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GDPR/Data Residency Features Features for EU/UK compliance or data localization. |
GDPR/data residency policies are documented to support EU/UK clients. | |
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Consent Management Tracks and manages client data handling permissions. |
Consent for data handling is managed within client onboarding and portal. | |
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Data Retention Policies Customizable data deletion and archival options. |
Data retention policies are configurable at the enterprise level. | |
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Two-Factor Authentication Enhanced login security for all users. |
Two-factor authentication is available as a security best practice. | |
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Breach Notification Protocols Automated systems to detect, report, and remediate breaches. |
Incident response and breach notification procedures outlined in support documentation. | |
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End-to-End Privacy Controls Comprehensive privacy features for sensitive client data. |
Comprehensive privacy configuration options are outlined for sensitive data. |
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Knowledge Base Comprehensive how-to guides and FAQs. |
Knowledge base of articles and support FAQs is available. | |
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Live Chat Support Access to real-time troubleshooting/help. |
No information available | |
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Onboarding Webinars Regular sessions to train new users. |
Onboarding webinars are standard for MoneyGuide users. | |
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Custom Training Programs Tailored training modules for large practices/firms. |
Custom enterprise training is available for large clients. | |
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Video Tutorials Step-by-step walkthroughs in video format. |
Video tutorials are available via the support portal. | |
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Prompt Software Updates Guaranteed updates for features/regulatory changes. |
Software is regularly updated for regulatory and feature enhancements. | |
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User Community Forums Peer support and idea exchange platform. |
No information available | |
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Dedicated Account Managers Assigned point of contact for enterprise clients. |
Dedicated account manager option for enterprise-level MoneyGuide accounts. | |
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Priority Support Hours Faster response times for critical requests. |
Priority support level described for higher-tier clients. | |
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In-app Help Widgets On-demand help and answers available contextually. |
In-app help widgets are present for contextual questions. |
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Concurrent User Support Number of advisors/clients that can work simultaneously without slowdowns. |
No information available | |
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Scalability (Clients/Households Supported) Maximum number of client plans or households supported in the system. |
No information available | |
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System Uptime Percentage of time the system is available, excluding planned downtime. |
No information available | |
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Average Response Time Typical time taken to retrieve, compute, or display information. |
No information available | |
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Load Testing Passes Has the system passed high-load stress testing protocols? |
Load and stress testing documented as passed in security/IT compliance overviews. | |
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Disaster Recovery Time Maximum time to recover from major outages. |
No information available | |
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Automatic Failover Redundant systems to ensure continuity if a server fails. |
Automatic failover and redundancy are standard as part of enterprise SaaS reliability. | |
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Data Backup Frequency How often user data is securely backed up. |
No information available | |
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Global Data Center Coverage Distributed servers for reliable international performance. |
Global data center and AWS/Azure coverage support reliability for international users. | |
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Bandwidth Optimization Efficient performance even on low-bandwidth connections. |
Performance on slow connections is optimized by UI engineering, as cited in product literature. |
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