RightCapital Alternatives: 5 Picks for 2026

You are not shopping for a prettier Monte Carlo. You need the household, the plan, the statement, and the next meeting to agree before a partner asks why last quarter's review still needed a spreadsheet.

The five names on this page — Black Diamond, Orion, Redtail, Wealthbox, and Addepar — are the tools Financial Advisors already see next to RightCapital. They are not five clones of the same planning engine. One can replace the plan. Two replace the client record. Two replace the reporting layer the client actually reads. Pick the job you are trying to finish, then ask for a quote that lists seats, modules, and migration. None of the five publish a list price we can print.

Median advisor pay was $105,070 in May 2025.

How we evaluated

This page is for Financial Advisors who already run RightCapital and have to defend a change in a partner meeting. We scored the work that has to keep happening while you switch: updating a household plan, producing a statement the client will accept, logging the conversation, and getting the next review on the calendar without a double entry.

We opened each vendor's public site once. Where a vendor does not publish a price, this page prints no price. Orion and Addepar are quote only. Black Diamond, Redtail, and Wealthbox are not in a public store, so this page prints no figure beside those names. If a cell cannot be sourced from a public page, it reads "not published". That is the only version a partner can take into a vendor call without walking it back.

RightCapital is financial planning software: retirement scenarios, tax planning, insurance needs, risk scoring, a Snapshot summary, a cash-flow map, and a client portal. If you need that same planning conversation on day one, only one name on this list sells a planning platform as a first-class product. The other four are the stack around the plan. Firms that treat a CRM as a planner, or a reporting engine as a CRM, spend the next review cycle reconciling screens instead of talking to households.

The labor market around the desk is not a rumor. Pay, job counts, and credential counts below come from a statistical agency, a small-business office, and a certifying body. Personal financial advisors held 299,400 jobs in 2025. That is the pool you hire from, and it is why a messy cutover costs more than a license line: you are paying people to re-key households.

Pay for the occupation sits well above the all-occupation median: according to the U.S. Bureau of Labor Statistics, the median annual wage for personal financial advisors was $105,070 in May 2025. Headcount is large even if growth is slow: according to the U.S. Bureau of Labor Statistics, personal financial advisors held 299,400 jobs in 2025, with about 17,100 openings projected each year over the following decade.

Most of the firms those people work in are small, and according to the SBA Office of Advocacy, there are 34,752,434 small businesses in the United States, and 99.9% of U.S. businesses are small. Staffing is the constraint you will feel during training, because according to the SBA Office of Advocacy, small businesses employ 45.9% of American workers, or about 59 million people. Planning credentials are not a niche hobby either. CFP Board counted 110,946 certificants on 1 September 2026. Put another way: according to CFP Board, 110,946 professionals held the CFP® mark as of 1 September 2026, with an average age of 47.8 years.

A tool that asks a 10-person RIA to dual-run two portals through a review cycle is a different proposal than a tool that only replaces the CRM. For how firms of different sizes wire the work, see RIAs vs Wirehouses: Financial Services Automation 2026. The rest of this page names who each of the five is for, then the tables, then the switch cost, then a verdict that does not fit every reader.

Source: U.S. Bureau of Labor Statistics, Occupational Outlook Handbook, Personal Financial Advisors.

Source: U.S. Bureau of Labor Statistics, May 2025 Occupational Employment and Wage Statistics, Personal Financial Advisors.

1. Black Diamond — who it is actually for

Black Diamond is the reporting and portfolio-operations pick, not a RightCapital clone. You look at it when the partner complaint is that the plan says one thing and the quarterly statement says another, and an associate is copy-pasting between them the night before the meeting.

It belongs on the shortlist for RIAs and wealth teams that already think in accounts, performance, rebalancing, and billing, and that want the client-facing packet to come from a wealth platform rather than from a planning PDF. If your next year of work is still cash-flow maps, Roth conversion illustrations, and insurance-need reviews, Black Diamond does not take that job off RightCapital. If the next year is "the statement has to be right, and the portal has to match what we said in the plan," it is in the conversation.

SS&C's public product pages for Black Diamond did not resolve when we opened them, so this page does not invent module lists, asset totals, or seat math. Ask the vendor, in writing, which reporting, rebalancing, billing, and portal modules you are buying, how household IDs will map from RightCapital, and who keys the first review cycle. There is no public list price. Get a quote that breaks out seats, modules, and migration, including the dual-run window and whether historical performance is in scope. Skip it if the only broken thing is the CRM, or if the only broken thing is that plans do not update when holdings move.

2. Orion — who it is actually for

Orion is the only pick of the five that sells a financial planning platform as a named product. Orion Planning is a hybrid: goals-based on the client side, cash-flow under the hood, with plans that read live portfolio data from the same stack as accounting, trading, and the client portal. If you are leaving RightCapital because the plan and the portfolio do not share a source of truth, this is the meeting you take.

The rest of the catalog is why a partner will either love or reject it. The same vendor also sells CRM (Redtail, listed separately below), portfolio accounting, trading, compliance, a client portal, and an AI layer they call Denali AI. You can buy planning as a module, sit it next to other Orion products, or take a broader stack. That flexibility is the pitch. It is also the quote risk: two firms can both "buy Orion" and land on different bills because they landed on different modules.

Orion is quote only. Do not walk into a partner meeting with a number you saw on a blog. Ask which products are in the proposal, whether Orion Planning is standalone or bundled, how many advisor and associate seats are in scope, what historical data the conversion includes, and how long they will support a dual-run against RightCapital. Ask whether Redtail is required, optional, or already in the building. Ask who owns the mapping of goals and accounts when live holdings start to drive the plan. If you want to keep an independent CRM and an independent reporter and only swap the planning engine, you can try to buy Planning standalone — they say that is possible — but the value they describe is the shared data layer.

3. Redtail — who it is actually for

Redtail is a CRM. It does not replace RightCapital's tax planning, cash-flow map, or Snapshot. You look at it when the plan is fine and the practice is still losing tasks, emails, and household history in inboxes.

It is built for Financial Advisors who need the client record, the workflow, and the archive in one place: contacts and households, tasks and reminders, compliant messaging (Speak), document imaging, and email capture. The public site emphasizes supervision and an audit trail that can sit next to SEC and FINRA expectations. Redtail is an Orion company; you can run it on its own or wired into Orion planning and accounting. That parent relationship is useful if you are already walking toward Orion. It is a conflict to name if you wanted a CRM that is not in the same house as the rest of the stack.

Redtail publishes no public list price, so this page prints none. Ask for a quote that lists CRM seats, whether Speak, Imaging, and Email are separate lines, what is included in onboarding, and how notes and activities export if you ever leave. Ask how the CRM will call the planning tool you keep — or the planning tool you move to — so a completed review writes a task without a second login. Skip Redtail if your pain is the plan itself. A cleaner CRM will not fix a cash-flow engine you have already outgrown.

4. Wealthbox — who it is actually for

Wealthbox is the other CRM on this list. You look at it when the household record is the bottleneck and you want workflows, pipeline, email and calendar context, and an AI assistant inside the CRM rather than in a separate note-taking app.

The public product is a workspace: client intelligence, automations, opportunities, reporting, mobile apps, an AI assistant, and an AI notetaker. They describe SOC 2 Type II controls, encryption in transit and at rest, and full audit trails. Firm types on the site run from independent advisors through aggregators, broker-dealers, banks, trusts, and family offices. That breadth is not the same thing as "it will feel native on day one for a two-advisor shop." Ask for a walkthrough of the exact onboarding workflow you run today, not a tour of every role.

Wealthbox is not a planning engine. If you leave RightCapital and buy only Wealthbox, you still need somewhere for cash-flow, tax, and risk. The CRM can launch those reviews and store the files. It cannot calculate them. For the onboarding path that should sit on a CRM like this, use Automate Advisor Onboarding: Weeks to Days [Guide] as the process map, then make the vendor quote match those steps. No public list price, so no figure here. Ask seats, which AI features are in the bundle, what migration from your current CRM includes, and how households, opportunities, and custom fields map. Ask what happens to the audit trail if you disable a module.

5. Addepar — who it is actually for

Addepar is the data and reporting pick for complex books: multi-custodial holdings, alternatives, legal entities, family offices, and wealth teams that have outgrown a planning PDF as the system of record for "what do we actually own." It is not a RightCapital replacement for retirement maps and insurance-need reviews.

You take the Addepar meeting when the partner's objection is data, not diagrams. Multiple custodians, private funds, and entity trees blow up a household plan that assumes a clean taxable account and a workplace retirement plan. Addepar's public site positions the platform across banks, family offices, fund managers, institutional allocators, and wealth management, with a separate story for alternatives. They describe a data foundation plus AI-powered workflows. Pricing is quote only. Print no figure.

Ask the quote to list which products you are on (data, reporting, alts, AI), which users are in scope, how many data feeds are included, and who owns the first reconciliation. Ask how — or whether — a RightCapital plan will be fed from Addepar holdings, because if that feed does not exist you have bought a second source of truth, which is the problem you already have. Ask about the dual-run: statements from the old reporter and Addepar in the same quarter is a client-communications problem, not only an ops problem. Skip Addepar if your book is a straightforward RIA household file and the pain is planning software or CRM adoption.

How the five compare on the jobs you run

Read this table as jobs, not as a feature bake-off. A "not published" cell means we could not source that job as a first-class, public product on the vendor site. It is not a polite way of saying "no."

Cells are sourced from vendor public pages opened for this article. "not published" means the job was not documented as a first-class product on that pass. No vendor list prices are printed.

Sources: SBA Office of Advocacy, Frequently Asked Questions About Small Business, 2024; CFP Board, CFP® Professional Demographics, last updated 1 September 2026.

Use the labor and credential tables when a partner asks whether "the team will just pick it up." The occupation already pays a median above $100,000, and CFP® professionals sit near age 48. A conversion that assumes everyone will relearn a portal after hours is not a plan. It is a hope.

Pros and cons

Black Diamond. Pros: sits on the reporting and operations side of the client conversation, which is the side RightCapital is not built to own; useful when the live issue is the statement, the portal, or the performance packet; can stay next to a planning tool instead of pretending to be one. Cons: public product documentation did not resolve on this pass, so you cannot short-list modules from a webpage; not a planning replacement; quote and migration scope have to be pulled from the vendor; a bad household-ID map will make the first quarter's reports look like a different book than the RightCapital plans clients already know.

Orion. Pros: named planning product that can read live portfolio data; same vendor family as a CRM, accounting, trading, compliance, and a portal, so a firm that wants one throat to choke can buy that; planning can be quoted standalone or in a stack; quote-only pricing at least forces a scoped conversation. Cons: the catalog is wide enough that two quotes are not comparable until you line up modules; Redtail's place in the same family is either a simplification or a lock-in, depending on whether you already like that CRM; if you only needed a planning engine and intended to keep every other system, you will spend the evaluation explaining why you are not buying the rest.

Redtail. Pros: purpose-built advisor CRM with workflows, reminders, and an archive story (messaging, imaging, email) that a compliance officer can recognize; can run without taking the full Orion stack; training options are public (classroom, virtual, on-demand), which matters when the team cannot pause for a month. Cons: does not do the planning math you are leaving RightCapital to improve; parent is Orion, so a "we will stay independent" story needs a straight answer in the quote; no public price, so seat and add-on math has to be asked for, including Speak, Imaging, and Email as separate lines if they are billed that way.

Wealthbox. Pros: CRM workspace with automations, pipeline, and in-product AI for notes and follow-ups, which is the work that actually slips after a planning meeting; SOC 2 Type II and audit trails are documented in public; onboarding and API documentation exist, so ops is not guessing whether a migration path is real. Cons: not a planner; buying it as the RightCapital replacement leaves a hole in cash-flow, tax, and risk; AI features have to be scoped in the quote or they become a surprise line; a firm that already lives in Redtail will pay a retraining cost that has nothing to do with planning quality.

Addepar. Pros: built for the books that break household planning tools — alts, entities, many custodians; quote-only is explicit, so you are not pretending there is a storefront tier; useful as the holdings source of truth that a remaining (or new) planning tool should read. Cons: does not replace RightCapital's planning conversation; implementation is a data project, which is a different staff mix than a CRM cutover; if you cannot describe the feed from Addepar into the plan, you have added a reconciliation job; overkill for a simple household book.

What switching actually costs

The invoice is not the cost. The cost is the quarter in which two systems are true and the team is paid to keep both true. Median pay in this occupation is already in six figures on the BLS table above. Dual-running a review cycle is a payroll event even when a vendor discount looks friendly.

Data is the first bill. RightCapital holds households, goals, accounts, tax lots as the plan understands them, risk scores, and the files you stuffed in the portal. A CRM holds notes, tasks, emails, and the supervision trail. A reporter holds positions, performance, and the PDF the client files. Those three objects are not the same ID. Budget a mapping exercise before anyone imports a spreadsheet. If the new system cannot keep the household ID that clients already see on a Snapshot, you will spend the first meeting explaining why their plan changed names.

Retraining is the second bill. BLS notes that new advisors already sit in long-term on-the-job training, often more than a year, before they are competent at the full job. A software cutover is shorter than that, and it is not free. Planning users need a new illustration path. CRM users need a new task and note path. Reporting users need a new packet path. If you switch two of those at once, you have two training tracks and one review calendar. Do not schedule both cutovers on the same Friday.

The month it takes is the third bill, and it is a calendar month you should plan on purpose. Walk one full quarterly review through both systems: the reminder goes out, the packet is built, the meeting happens, the notes are filed, the tasks for the next review are created. If that loop only works in the old tool, you are not live. If it only works in the new tool for one friendly household, you are not live. Pin the reminder to the household so it still fires while the new IDs land. US Tech Automations can hold that review reminder against the household record so the cadence does not die during the remap — the same pattern as Automate Quarterly Portfolio Review Reminders [Guide].

Onboarding new clients during the dual-run is the fourth bill. A household that arrives mid-conversion should not wait for the planning cutover to get a task list. US Tech Automations can take the CRM export and drive the onboarding checklist so new households keep moving while planning data is still landing. Price that connector work on the US Tech Automations pricing page after the vendor quotes are in hand, not before. You want the seat and module numbers from Black Diamond, Orion, Redtail, Wealthbox, or Addepar first, then the automation that sits on top.

Ask every vendor, in the same email, so the quotes can be compared: advisor and associate seats; modules for planning, CRM, reporting, portal, messaging, documents, and AI, line by line; migration of households, historical notes, historical performance, and documents, and who keys the exceptions; how many review cycles they will support with both systems open; which ID is the household and how it maps to accounts and to the client portal login; and how you export if this is the wrong pick later. If a quote answers those with a single lump line, send it back. A partner cannot defend a lump line.

Vendor SLAs for conversion are not published on the public pages opened for this article. Treat every cell in that column as a question for the quote, not as a default.

Verdict: who should pick which one

If you are leaving RightCapital because the plan is not sitting on live holdings, start with Orion Planning. It is the only product on this list that is actually a planning platform. Take a quote that isolates Planning. Add other Orion modules only when you can name the job they replace. If the quote only makes sense as a bundle, say that out loud in the partner meeting so you are not surprised by CRM and accounting landing in the same statement of work.

If you are leaving because the statement and the plan disagree, and the book is a standard RIA file, put Black Diamond on the first call and keep a planner — RightCapital or Orion Planning — next to it. Do not ask Black Diamond to become your tax-planning tool.

If the book is entities, alternatives, and several custodians, put Addepar on the first call and keep a planner next to it. Do not ask Addepar to become your CRM.

If the plan is fine and the practice is dropping tasks, pick a CRM and stop calling it a RightCapital alternative in the planning sense. Redtail if you want the advisor-CRM archive story and you can live with the Orion parent. Wealthbox if you want the workspace and in-CRM AI and you are willing to train off Redtail habits. They are close on the job (household record, workflows, compliance trail) and not close on feel. Run the same onboarding scenario in both walkthroughs. The one the associate can finish without a second screen is the one you can defend.

Do not pick all five. Do not pick two CRMs. Do not pick two reporters. A stack that needs a planner, a CRM, and a reporter can be a three-system shop; it cannot be a five-system shop with this list.

Once the vendor is named, write the workflow that has to survive the cutover: review reminder, packet, notes, next tasks. Hold that workflow on US Tech Automations so the practice does not wait on a portal go-live to remember that a household review is Tuesday. Then go to pricing with the vendor quote in the other tab.

FAQs

What is the closest RightCapital alternative on this list?

Orion Planning. It is the only one of the five that is a financial planning platform, with a goals-based client view and cash-flow modeling underneath, and it can read live portfolio data from the same vendor's accounting. The other four replace reporting or CRM around the plan. If you needed a second planning engine and not a stack redesign, start there and keep the quote scoped to Planning until a partner names another module.

Can I keep RightCapital and only replace reporting or CRM?

Yes, and for many firms that is the adult move. RightCapital already does retirement, tax, insurance-need, and risk work. If those illustrations still hold up in client meetings, keep them and fix the broken layer — Black Diamond or Addepar for statements and complex data, Redtail or Wealthbox for the household record. Switching the planner at the same time as the CRM is how dual-run seasons turn into dual-fail seasons.

How should a partner compare Redtail and Wealthbox?

Run one onboarding and one quarterly-review scenario in both, with the same associate. Both are CRMs, both talk about workflows and archives, and neither replaces the plan. Redtail sits in the Orion family and leans on messaging, imaging, and email capture. Wealthbox leans on a workspace with automations and in-product AI and documents SOC 2 Type II in public. The quote should list seats and modules the same way so the partner is not comparing a base CRM to a CRM-plus-AI bundle.

Does Addepar replace a financial plan?

No. Addepar is a data and reporting platform for complex, multi-custodial, alternatives-heavy books. It can become the holdings source of truth a planner should read. It does not produce the cash-flow map, tax illustration, or insurance-need review you run in RightCapital. If the quote does not include a feed into whatever you use for planning, you have purchased a second book of record.

Which of the five publishes a list price?

None of them, on the public pages opened for this article. Orion and Addepar are quote only. Black Diamond, Redtail, and Wealthbox are not in a public store, so this page prints no figure beside those names. Ask every vendor for seats, modules, and migration as separate lines. Bring those quotes to the pricing conversation for the automation that will sit on top, not the other way around.

Should a solo advisor buy the full Orion stack to replace RightCapital?

Not by default. Orion Planning can be quoted as a module. A solo shop that only needs the plan to follow the portfolio should ask for that module, the seats that will actually log in, and the migration of current households — then stop. Add CRM or accounting when those jobs are the ones breaking. A full-stack statement of work is defensible for a firm that wants one vendor for plan, record, and statement. It is harder to defend when the only broken screen is the planner.

What happens to client portal logins during a switch?

They change, unless you keep RightCapital as the planning portal and only swap CRM or reporting behind the scenes. Budget a client email, a login window that does not land on a review week, and a script for the associate who will take the "I cannot see my plan" calls. Put the review reminder on an ID that survives the portal cut, which is the job US Tech Automations can sit on while the vendor finishes identity mapping.

Key Takeaways

• The five picks are Black Diamond, Orion, Redtail, Wealthbox, and Addepar — not five copies of RightCapital.

• Only Orion Planning is a planning platform on this list; the others are reporters or CRMs.

• No vendor here publishes a list price. Orion and Addepar are quote only; print no figure for the other three.

• Ask every quote for seats, modules, and migration, plus a dual-run through one quarterly review.

• Median advisor pay was $105,070 in May 2025, so a messy dual-run is a payroll cost.

• Most shops doing this work are small: 34,752,434 U.S. small businesses, 45.9% of workers.

• Hold review reminders and onboarding checklists outside the vendor portal so the cadence survives the remap.

• Do not buy two CRMs or two reporters. Name the broken job, then pick the one product that owns it.