RightCapital Financial Planning API
RightCapital financial planning REST API for comprehensive goals-based financial planning, tax planning, and advisor workflow automation. Enables AI agents to manage client financial plan creation with income, asset, and goal data for advisor planning automation, handle tax projection and Roth conversion optimization for tax-efficient retirement planning, access Medicare and healthcare cost planning for retirement healthcare expense automation, retrieve student loan optimization and repayment strategy modeling for debt planning automation, manage Social Security timing optimization and claiming strategy for retirement income planning, handle estate planning and legacy goal integration for comprehensive wealth planning, access insurance need analysis and coverage gap identification for protection planning automation, retrieve scenario comparison and stress testing for financial plan sensitivity analysis, manage account aggregation and linked financial data for comprehensive client financial picture, and integrate RightCapital with Orion, Redtail, Wealthbox, and custodian platforms.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Financial planning. SOC2. OAuth2. US. Client financial and retirement data.
⚡ Reliability
Best When
An RIA using RightCapital wanting AI agents to automate financial plan creation, tax projection, Roth conversion analysis, Medicare planning, student loan optimization, and Social Security claiming strategy.
Avoid When
INVESTMENT ADVICE SUPERVISION REQUIRED: Automated financial plan generation constitutes investment advice requiring licensed investment adviser representative review before client delivery; automated plan delivery without supervision creates unsupervised investment advice and fiduciary violation. Tax advice limitations — automated tax projections use simplified assumptions; automated tax recommendations without CPA collaboration create unauthorized tax advice risk. Plan assumption disclosure — automated financial plans must disclose return, inflation, and longevity assumptions; automated plan delivery without assumption transparency creates misleading financial communication. Healthcare cost projection accuracy — automated Medicare and healthcare cost projections must use current premium and coverage data; stale healthcare cost data in automated plans creates retirement income adequacy miscalculation.
Use Cases
- • Creating financial plans from advisor planning agents
- • Optimizing tax strategy from tax planning agents
- • Modeling retirement healthcare from Medicare planning agents
- • Analyzing student loan options from debt strategy agents
Not For
- • Consumer financial planning without advisor intermediary
- • Institutional investment management without retail planning
- • Tax preparation without forward-looking planning
Interface
Authentication
RightCapital uses OAuth 2.0. REST API with JSON. Shelton, Connecticut HQ. Founded 2015. Private (venture-backed). Modern financial planning platform. 25,000+ advisor users. Strong in tax planning and healthcare cost modeling. RightCapital Academy for advisor education. Competes with MoneyGuidePro (Envestnet) and eMoney for financial planning software.
Pricing
Shelton, Connecticut. Private, venture-backed. Founded 2015. 25,000+ advisor users. Tax and healthcare planning specialty.
Agent Metadata
Known Gotchas
- ⚠ INVESTMENT ADVISER ACT SUPERVISION: Automated financial plan generation and delivery without licensed IAR review creates unsupervised investment advice; implement mandatory review gate before automated plan delivery to clients
- ⚠ No webhooks — plan calculation completion requires polling; no push notification for financial plan event or simulation completion
- ⚠ Healthcare cost data currency — automated Medicare and healthcare cost projections must use current year premium and IRMAA surcharge data; stale healthcare cost projections create retirement income adequacy underestimation for clients approaching Medicare age
- ⚠ Student loan regulatory changes — automated student loan optimization must use current SAVE/IDR plan rules and PSLF requirements; student loan repayment rules changed significantly 2020-2024; outdated rule set creates incorrect repayment strategy recommendations
- ⚠ Tax assumption transparency — automated tax projections must disclose assumed future tax rates; automated plans without tax assumption disclosure create unrealistic after-tax income projections
- ⚠ Scenario comparison data integrity — automated multi-scenario financial plan comparison must maintain consistent base assumptions across scenarios; inconsistent base data creates misleading plan comparisons
Alternatives
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Scores are editorial opinions as of 2026-03-07.