eMoney Advisor

eMoney Advisor is the dominant retail financial-planning platform used by US financial advisors. Founded in 2000 in Radnor, Pennsylvania, eMoney was acquired by Fidelity Investments in 2015 for approximately $250 million and operates independently within Fidelity. Today the platform is used by approximately 95,000 financial advisors at independent RIA firms, broker-dealers, banks, and Fidelity-affiliated practices, powering planning conversations for millions of households across the US. eMoney's core thesis is that deep financial planning requires modeling-grade software, not spreadsheet shortcuts. The platform handles cash flow projections, retirement scenarios, education funding, estate planning, insurance needs analysis, tax projections, and what-if scenario modeling — depth that pure-portfolio platforms (Orion, Black Diamond) and robo-advisors (Wealthfront, Betterment) explicitly don't try to match. The flagship cash flow planning methodology projects every income and expense category year-by-year through retirement and beyond, letting advisors stress-test scenarios and surface insights that simpler goals-based plans miss. Retirement income modeling is increasingly the advisor differentiator versus pure-accumulation robos — Roth conversion ladders, Social Security claiming strategies, tax-efficient withdrawal sequencing across taxable + IRA + Roth accounts. Account aggregation via Yodlee infrastructure (Envestnet-owned) covers thousands of US financial institutions, giving advisors a complete household picture. Each client gets a branded eMoney portal showing their plan, accounts, and progress against goals; the Document Vault stores estate documents, insurance policies, tax returns, and other sensitive records securely. eMoney has integrated generative AI for advisor productivity — drafting plan summaries, generating meeting prep notes, and producing first-draft executive summaries of complex plans. The platform competes primarily with MoneyGuidePro (Envestnet-owned, dominant goals-based methodology) and Right Capital (modern cloud-native lower-cost alternative).