RightCapital
AI-powered financial planning software for advisors with tax-optimized retirement planning, Social Security optimization, and Roth conversion analysis.
What it does
RightCapital is a financial planning software platform for independent RIAs and financial advisors - providing comprehensive financial plan creation covering retirement income, tax planning, Social Security optimization, college funding, and estate planning. AI capabilities include AI-powered tax optimization that identifies optimal Roth conversion strategies and tax-efficient withdrawal sequencing in retirement, intelligent Social Security claiming analysis that evaluates thousands of claiming strategy combinations to identify the optimal approach for each client, Monte Carlo simulation that models thousands of market scenarios to assess retirement plan robustness, automated financial plan generation that creates comprehensive plan documents from advisor inputs, and AI-driven what-if analysis that instantly models the impact of planning decisions on outcomes.
Why AI-ENHANCED
RightCapital is an established financial planning platform that has integrated AI tax optimization, intelligent Social Security analysis, and automated scenario modeling into a mature advisor financial planning product.
Best for
Independent RIAs and solo financial planners use RightCapital for comprehensive financial plan creation - AI tax optimization and Social Security analysis adding value that simpler planning tools cannot provide.
Small advisory practices use RightCapital for systematic financial planning - AI-powered analysis enabling advisors to deliver sophisticated retirement and tax planning to more clients.
Mid-market advisory firms use RightCapital for practice-wide financial planning - AI-generated plan documents reducing plan preparation time and scenario analysis enabling more interactive client meetings.
Limitations
RightCapital is a financial planning tool — advisors also need portfolio management, CRM, and billing software alongside RightCapital for a complete advisory technology stack.
eMoney Advisor and MoneyGuidePro have large market shares in financial planning — advisors should compare planning depth, client portal quality, and integration breadth across these platforms.
RightCapital's tax optimization and retirement projections are only as accurate as the financial data entered — incomplete income, asset, or expense data produces unreliable planning recommendations.
Alternatives by segment
| If you need… | Consider instead |
|---|---|
| Full financial planning platform | eMoney Advisor |
| Client-friendly financial planning tool | Money Guide Pro |
| Goals-based financial planning | Nitrogen |
RightCapital from $150/month per advisor. Annual billing discount. Free trial available.
