eMoney Alternatives for Small Advisory Firms: 3 Steps, 2027

Short answer: pick the planning platform first

An eMoney alternative is a financial planning platform that a small advisory firm uses in place of eMoney Advisor for client plans, reports and client-facing work. The category decision comes first: choose the planning platform, then decide separately whether you also need a tax tool, a CRM, or an automation layer that moves data between systems.

TL;DR: For a small firm that mainly needs goals-based plans and reports, shortlist MoneyGuidePro and RightCapital, and get written quotes from eMoney Advisor and AdvisorEngine before ranking them. If tax projections are the bottleneck, add a tax tool such as Holistiplan rather than expecting a planning platform to cover that gap. If the bottleneck is re-keying data between tools, treat it as a workflow problem and do not let it drive the planning purchase.

This guide is written by US Tech Automations, which offers workflow automation services rather than a planning platform, so read the automation sections as our perspective and the vendor sections as the public record.

Key Takeaways

• MoneyGuidePro and RightCapital publish per-advisor list prices, so their costs can be compared directly once you multiply by your advisor count.

• eMoney Advisor and AdvisorEngine show no dollar price on the pages checked here, so their costs must come from written quotes.

• Holistiplan prices by household tier, so it cannot be set against per-advisor prices without your household count.

• The 2024 T3 survey ranked MoneyGuidePro Elite first and eMoney Pro second on market share, which is survey evidence rather than proof of fit for your firm.

• Automation layers can move data between tools, but they need an export or API from the planning platform and a named person who approves anything a client sees.

• Zapier-style tools can keep run history and retries when configured; the firm still owns duplicate handling, escalation and maintenance.

Who this is for

This guide is for an owner or operations lead at a small advisory or planning firm who is close to replacing eMoney Advisor and wants a shortlist with prices that can be checked. It is not written for a firm that is content with its planning platform and wants only to add tools around it.

Red flags: no one at the firm is willing to own a client-data workflow, the firm will not request a written quote before deciding, or the firm expects a software tool to settle a compliance question.

How we evaluated these tools

We weighted six criteria, shown below, and checked each product against the pages its vendor publishes plus two independent sources. Where a vendor publishes no price or no integration list, this guide says so rather than filling the gap.

The rubric points organize evidence; they do not produce a ranking. We did not add them into a total, because several vendors publish no prices and no integration list, and a total would hide those gaps. The independent evidence is a 2024 T3/Inside Information survey report covered by InvestmentNews, where Market share: MoneyGuidePro Elite 33% in 2024 according to InvestmentNews (2024), with eMoney Pro second at 29% in the same survey. A Kitces executive summary of its 2025 research says RightCapital "gained market share from eMoney and MoneyGuide," but it gives no percentages, according to Kitces. Review-site pages for several products returned access errors when opened for this guide, so no review-site rating is cited.

What each platform covers

The matrix records what each product's own page or cited source describes. "Not listed" means the page reviewed did not mention the feature, not that the product lacks it.

Vendor claims are the vendor's own. The RightCapital tax and planning entries come from its comparison page, which is cited in its profile below.

Pricing: what can be checked and what is quote-based

Pricing checked October 19, 2026. Each figure below comes from the vendor's own pricing page as read in this session; where that page shows no figure, the cell says Quote-based. The basis column keeps the vendor's unit, because per-advisor, per-month and per-household prices do not add up the same way.

The table below multiplies the per-advisor list prices for a three-advisor firm. It leaves out Holistiplan and Income Lab, because one prices by household tier and the other does not state its basis. The totals are a floor, not a full cost: RightCapital's assistant fee and MoneyGuidePro's per-user add-ons sit outside them, and MoneyGuidePro's list prices exclude applicable state or local taxes.

Vendor profiles: best fit, limits and evidence

eMoney Advisor

Best fit: firms that will take a firm quote and want a broad suite. eMoney Advisor's pricing page lists four tiers, Plus, Pro, Premier and Enterprise, and no dollar figure, according to eMoney Advisor. The page says cash-flow planning is in Pro and Premier but not Plus, that the client portal is listed in Plus, Pro and Premier, and that Premier adds a premium portal.

Limitations: the page does not mention a CRM or name any integration, and it links to a separate integrations list. Tax analysis is not described on the page. Enterprise is the only tier where the page mentions APIs and aggregation for organization-wide data use.

Implementation: ask for the tier that includes the reports you already use, and ask in writing for the data-migration scope, because the pricing page does not show it.

MoneyGuidePro

Best fit: firms that want a published per-advisor list price and a product family with clear tiers. The MoneyGuide plan is the entry point: Price: MoneyGuide $2,000 per advisor per year according to MoneyGuidePro (2026), with Wealth Studios at $2,500 and Platform at $3,000 on the same annual basis.

Limitations: the product page lists Client Portal & Aggregation, Integrations, Customer Support, Training and Paraplanning without prices. Add-ons are priced per user, including Dash, MyBlocks, Yodlee, MX and Morningstar Risk Profiler. The page does not describe a tax module, and its list prices exclude applicable state or local taxes.

Implementation: budget the per-user add-ons before you compare totals, because per-user charges grow with headcount. Read our comparison of MoneyGuidePro and eMoney for planners before you request a quote.

RightCapital

Best fit: firms that want published per-advisor plan prices and tax modules inside the planning product. RightCapital's Basic plan lists at $149.95 per advisor per month, Premium at $209.95 and Platinum at $254.95, and Premium and Platinum add a $40 per assistant monthly fee with an annual commitment in the first year, according to RightCapital (2026).

The vendor's comparison page lists Roth conversion modeling, tax-efficient withdrawals, asset location and a Tax Analyzer, according to RightCapital (2026).

Limitations: that comparison page does not mention a client portal or CRM, and it links to an integrations section without naming any integrations. Its Smart Import feature is described as data entry, so ask how imports map onto your current records. For the head-to-head with eMoney, see RightCapital vs eMoney for financial advisors.

Implementation: put the first-year commitment into the budget, and ask whether you need assistant seats, since each carries the $40 fee.

AdvisorEngine

Best fit: firms that want a CRM, digital onboarding, planning and a client portal from one vendor. The FAQ describes a purpose-built CRM, portfolio management with goals-based planning, digital onboarding, automated rebalancing and a modern client portal, according to AdvisorEngine.

Limitations: the FAQ says pricing "varies based on the size of your firm and the specific features you need" and directs buyers to a custom quote, so this guide shows it as Quote-based. The bundle also covers portfolio tools, which a planning-only firm may not need.

Implementation: the bundle touches more systems, so the migration plan has more steps. Get the data-migration scope in writing. Review-site pages for AdvisorEngine did not load in this session, so no third-party rating is cited.

Holistiplan

Best fit: tax-heavy firms that need a tax analysis layer beside a planning platform they already use. Holistiplan's pricing page lists Basic Tax and Premium Tax, billed annually and priced by household tier: Price: Basic Tax $749 a year at 30 households according to Holistiplan (2026). At 75 households, the same page shows $1,599 a year for Basic Tax and $1,999 for Premium Tax.

Limitations: it is a tax layer, not a planning platform or CRM. The pricing page says Basic Tax lists unlimited users, which matters for a team, and the vendor's homepage labels estate planning "Coming Soon."

Implementation: the pricing page does not describe a planning-platform integration, so confirm how tax results would reach your planning records before you buy.

Income Lab

Best fit: firms whose planning work is mainly retirement income. Income Lab's pricing page lists Core at $199 a month, or $1,990 a year billed annually, and Pro at $299 a month, or $2,990 a year billed annually, according to Income Lab (2026). The page does not say whether those prices are per advisor.

Limitations: support-staff seats are listed at $80 a month each, and Enterprise is quote-based. In the part of the page reviewed, CRM, client portal and tax modules are not described.

Implementation: confirm in writing whether the license is per advisor or per firm before you put it beside the other rows.

Who should choose which tool

Three steps to shortlist a replacement

1. Write down the work the platform must do. List the three outputs your advisors produce most often, such as a client plan, a review report and a tax projection, and mark which product covers each one on its own page. Leave a cell blank rather than assuming coverage.

2. Get written quotes and put them on the same basis. For each vendor, convert the quote to an annual figure per advisor, then add assistant seats, per-user add-ons and any first-year commitment. Quote-based rows stay open until the quote arrives.

3. Test the data path before you sign. Ask for the export format or API for client, account and plan data, and confirm who maintains the connection. If a vendor cannot describe that path, it stays on the list only as a planning option, not as an eMoney replacement.

Where automation fits, and where it does not

A planning platform decides what a plan says. An automation layer decides what happens to the data around it. US Tech Automations describes its service as a managed build: the team maps a process, builds the workflow and runs it, starting from a ready-made workflow that connects a firm's existing tools, with integrations listed for Gmail, Google Calendar, Google Sheets, HubSpot, QuickBooks and Stripe.

Proposed workflow A covers paid planning-fee invoices. The trigger is a paid-invoice event from Stripe. The action is to find the household in the CRM, set a status field, and create a follow-up task for the advisor; HubSpot is one CRM the vendor lists, and any other CRM needs a confirmed connector. The output is that task, a drafted client thank-you email placed in a review queue, and one audit row in a shared sheet. Prerequisites are a Stripe webhook endpoint, a CRM connector, and a household ID shared by billing and the planning platform. Human review points: an advisor approves every client-facing draft, and someone checks the invoice-to-household match before the status changes.

Proposed workflow B covers planning-platform records. The trigger is a new or changed client record in the planning platform, delivered as a scheduled export or through an API if the platform offers one. The action maps an agreed set of fields, such as household name, responsible advisor, next review date and plan status, into the CRM, and sends any mismatch to an exceptions sheet. The output is updated CRM fields and a weekly exceptions list. Prerequisites are an export or API from the planning platform; eMoney's pricing page mentions APIs only in its Enterprise tier, so confirm the path for each vendor. Human review points: an advisor clears exceptions each week, and no planning figure moves into a client document without that review.

Retention settings for these messages and approval rules for client contact belong to the firm's compliance owner, and a workflow does not make a message compliant on its own. Neither proposed flow changes a plan figure. For a different connection that some firms run alongside these flows, see connecting Orion to Salesforce for financial advisory automation.

Zapier, Make, n8n or in-house: the fair comparison

For many firms the real alternative is to build these flows in Zapier, Make or n8n, or in-house. Zapier's pricing page shows its Pro plan at 750 tasks a month, and the figure is Pro plan at 750 tasks: $19.99 a month billed annually according to Zapier (2026). The same page describes Autoreplay, which retries task failures caused by temporary errors or downtime on Pro and higher plans, customized error settings on a per-Zap basis, and task-history retention as an Enterprise feature.

Those tools can support run history, retries, error branches and audit evidence when they are configured. The buyer still designs and owns the parts that make a flow safe to run: idempotency, which means a repeated event does not create a second record; escalation to a named person; access controls for the credentials; and maintenance when a connected app changes a field. Stripe's webhook documentation says endpoints can receive the same event more than once, that delivery order is not guaranteed, and that you should track event IDs to spot duplicates. The same page says Stripe retries delivery for up to three days in live mode.

What a proposed US Tech Automations design could configure differently is a named owner for each flow, a staging sheet for exceptions, a written retry rule, and approval gates on any client-facing message. Those still depend on prerequisites the firm must confirm: a documented export or API, a compliance-approved retention setting, and a person who owns changes when a vendor updates a field.

When not to use US Tech Automations, a simpler setup wins in three cases. If the planning platform already sends the one field you need and a monthly manual check covers it, a flow adds a maintenance point for no gain. If you have one advisor and the CRM's built-in reminders handle follow-up, a managed build is more than the job needs. If the real gap is the planning model itself, only a different planning platform or a tax tool will close it, and no workflow will.

A three-advisor worked example

This is an illustration, not a measured result from any firm. Suppose a three-advisor firm that bills planning fees through Stripe. A proposed flow that listens for Stripe's invoice.paid event would replace the manual status step for each paid invoice. If 20 paid invoices a month each need 5 minutes of manual status entry, that is 100 minutes, or 1.7 hours, a month. Over 12 months that is 1,200 minutes, or 20 hours a year, so the firm should compare those 20 hours, at its own hourly value, with the cost of building and maintaining the flow before it judges whether the flow pays back. This guide does not assign an hourly value or a build cost.

Glossary

• Planning platform: software that builds and presents client plans, such as projections and goals-based reports.

• Tax analysis tool: software that models tax effects, such as Roth conversions or bracket management, often sold separately from planning.

• Quote-based: the vendor publishes no price and sends one in writing on request.

• Per-advisor pricing: a license charged for each advisor seat; household-tier pricing, as on Holistiplan's page, works differently.

• Webhook: a message a service such as Stripe sends to your endpoint when an event happens.

• Idempotency: processing the same event twice without creating a second record.

• Connector: a prebuilt link between two apps that moves data without custom code.

Frequently asked questions

Which eMoney alternative costs least for three advisors?

Among vendors that show a per-advisor list price, RightCapital's Basic plan is lowest at $5,398.20 a year for three advisors, below MoneyGuide's $6,000, as the three-advisor table shows. Income Lab's Core plan lists at $1,990 a year, but its page does not say whether that price is per advisor, so it cannot be ranked yet.

Does eMoney Advisor publish its prices?

No. Its pricing page lists Plus, Pro, Premier and Enterprise tiers without a dollar figure, so a firm has to request a quote.

Do I need a separate tax tool?

Often, yes. The planning platforms whose pages we opened describe tax features unevenly: RightCapital's comparison page lists Roth conversion modeling and a Tax Analyzer, while the eMoney and MoneyGuidePro pages do not describe tax analysis.

Can an automation layer replace my CRM or planning platform?

No. The flows in this guide connect the tools a firm already runs, and they do not replace a CRM or a planning platform.

Does automation change my compliance obligations?

No. Retention rules and client-contact approvals stay with the firm's compliance owner, and a workflow does not make a message compliant on its own.

Next step

For most small firms the next step is three written quotes and one data-path test, not a switch. Use the MoneyGuidePro and RightCapital list prices above as the baseline, and keep every Quote-based row open until its quote arrives. If you want to see how a proposed invoice follow-up or planning-record sync would be configured, see how this workflow is configured with the US Tech Automations team, and compare planner-side tradeoffs in MoneyGuidePro vs eMoney for financial planners.