MoneyGuidePro Financial Planning API
MoneyGuidePro financial planning REST API for goals-based financial planning, retirement projection, and advisor planning workflow automation. Enables AI agents to manage client financial plan creation and goals-based scenario modeling for advisor planning automation, handle retirement income projection and Social Security optimization for retirement planning, access insurance needs analysis and protection planning for comprehensive financial plan, retrieve tax planning and Roth conversion analysis for tax-efficient retirement strategy, manage education funding projection and 529 planning for college savings automation, handle estate planning and wealth transfer scenario analysis for estate planning workflow, access Monte Carlo simulation and plan probability analysis for financial planning risk assessment, retrieve client data aggregation and account linkage for unified financial planning, manage plan review and update scheduling for systematic financial planning service, and integrate MoneyGuidePro with Orion, Redtail, Wealthbox, and custodian platforms.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Financial planning. SOC2. OAuth2. US. Client financial and retirement plan data.
⚡ Reliability
Best When
An RIA or wealth management firm using MoneyGuidePro wanting AI agents to automate financial plan creation, retirement projection, goals-based scenario modeling, and plan review scheduling.
Avoid When
INVESTMENT ADVICE REGULATORY COMPLIANCE: Automated financial plan generation constitutes investment advice subject to SEC investment adviser act fiduciary duty; automated financial plans must be reviewed by a licensed investment adviser representative before delivery to clients. Tax advice limitations — automated tax projections in MoneyGuidePro use simplified tax estimates; automated tax planning recommendations without CPA review creates unauthorized tax advice risk. Social Security optimization accuracy — automated Social Security claiming strategy analysis must use current SSA rules, COLA adjustments, and earnings history; automated claiming recommendations with incorrect assumptions create suboptimal client decisions. Plan assumption transparency — automated financial plan delivery must disclose assumptions (return, inflation, longevity); automated plans without assumption disclosure creates client misleading communication.
Use Cases
- • Creating financial plans from advisor planning agents
- • Projecting retirement income from retirement planning agents
- • Optimizing Social Security from claiming strategy agents
- • Modeling education funding from college savings agents
Not For
- • DIY consumer financial planning without advisor intermediary
- • Institutional investment managers without retail financial planning
- • Tax preparation without financial planning context
Interface
Authentication
MoneyGuidePro uses OAuth 2.0. REST API with JSON. Richmond, Virginia HQ. Founded 2000. Acquired by Envestnet (ENV NYSE) in 2019. Envestnet subsidiary. 180,000+ financial advisor users. Most widely-used financial planning software. Goals-based planning focus. Competes with eMoney Advisor, RightCapital, and Naviplan for financial planning software.
Pricing
Richmond, Virginia. Envestnet (ENV NYSE) subsidiary (acquired 2019). Founded 2000. 180,000+ advisor users. Most-used financial planning software.
Agent Metadata
Known Gotchas
- ⚠ INVESTMENT ADVICE SUPERVISION: Automated financial plan generation requires licensed investment adviser representative review before client delivery; automated plan delivery without adviser review creates unsupervised investment advice and SEC fiduciary violation
- ⚠ No webhooks — plan creation completion and update events require polling; no push notification for Monte Carlo completion or plan event triggers
- ⚠ Social Security rule accuracy — automated Social Security optimization must use current SSA regulations, COLA, and bend point data; automated claiming strategies with stale SSA rules create incorrect optimization recommendations
- ⚠ Plan assumption documentation — automated financial plans must disclose return, inflation, and longevity assumptions; automated plan delivery without assumption transparency creates misleading financial communication
- ⚠ Envestnet platform dependency — MoneyGuidePro deep integration with Envestnet ecosystem; automated workflows dependent on Envestnet data feeds must account for platform maintenance windows and data delivery timing
- ⚠ Monte Carlo compute latency — complex financial plans with extensive Monte Carlo simulation may have significant compute time; automated plan generation workflows must implement async handling with adequate polling intervals
Alternatives
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Scores are editorial opinions as of 2026-03-07.