Directory of AI financial planning and tax planning software for advisers

Conquest Planning sells financial planning software to institutions and advice firms across Canada, the United States and the United Kingdom, built around Strategic Advice Manager, which the company describes as an expert system: an auditable, deterministic engine that evaluates hundreds of strategies against a household's situation, preferences and goals and surfaces the next best decisions rather than requiring an adviser to construct each plan from scratch. The company reports plan construction falling from many hours to minutes and firms producing several times more plans as a result. The same engine drives three delivery models from one platform, being traditional adviser led planning, hybrid engagement with real time collaboration between client and adviser, and a fully self directed digital experience an end client can use without any human involvement, with the intent of reaching households that never received planning at all. Compliance capability is positioned as a differentiator rather than a footnote: every recommendation is stated to be traceable, a compliance trail is built into the expert system, and firm leadership gets real time analytics on plan quality, adviser activity and client engagement. The platform is delivered through an open two way interface so institutions can build their own experience over the engine. Founded in 2018 in Winnipeg, Manitoba by a team of planning software veterans led by Dr Mark Evans, who created an earlier generation planning package and now serves as executive chair, with Brad Joudrie appointed chief executive in January 2026. More than 60,000 advisers across over 1,000 financial institutions use it, including major Canadian and United States banks, an insurer, a clearing firm, a national brokerage and a digital wealth manager, and it holds a substantial majority of the Canadian adviser market. Backers include Goldman Sachs Alternatives, which led a Series B, alongside Fidelity International Strategic Ventures, Citi Ventures, TIAA Ventures, Portage, USAA, BNY and Royal Bank of Canada.

Dynamic Planner runs a digital advice platform that sits at the suitability layer of the United Kingdom advice process, and it sells to both sides of that market. Advice firms use it for psychometric attitude to risk and capacity for loss profiling, sustainability profiling, cash flow modelling, investment selection, suitability reporting and ongoing reviews. Asset managers, discretionary managers, platforms and product providers pay to have their solutions risk profiled and badged against the same model, which is what makes the platform a shared reference point rather than one firm's tool. At its centre is a forward looking asset risk model spanning seventy five asset classes with a nineteen year record, which the company states has performed within its expected value at risk targets through stress periods including the 2008 crisis and the pandemic, with a formal quarterly review of all profiled holdings. More than one thousand six hundred investment solutions and nine hundred managed portfolio offerings are profiled, and the company states that over forty percent of United Kingdom investment advice firms and more than one hundred and sixty asset managers use the platform, with over a million people having completed the profiling process. Its artificial intelligence line is deliberately additive: live meeting transcription inside the platform or imported from a video conferencing service, automation of existing processes, and an open programmatic interface that lets a firm point its own agentic tooling at the platform. The company states these features are entirely optional. In November 2025 it became the first firm in its sector to certify to the international artificial intelligence management system standard. Based in Reading, England.

FP Alpha sells advanced planning software to financial advisers, accounting firms and estate attorneys, addressing the three areas where a generalist adviser is least equipped: tax, estate and personal insurance. Its premise is that the expertise gap is really a document reading problem, since the answers already sit inside papers the client has and nobody has time to read. An adviser uploads the documents and machine reading extracts from them, then an expertise layer the company describes as trained by specialist professionals turns the extracted data into observations and recommended next steps. The tax module summarises a return across sixteen areas including modified adjusted gross income tiers, federal and state position, conversion analysis, charitable deductions, qualified business income treatment and pending legislative changes. The estate module reads wills, trusts, powers of attorney and healthcare directives, gathering hundreds of data points and rendering asset distribution and the significant individuals named as visual flowcharts an adviser can use in a legacy conversation. The insurance module reads home, umbrella and motor declaration pages to surface coverage gaps and over insurance. Commercial terms are published in full and structured as an annual licence carrying a bank of credits, one credit per tax document reviewed and one per estate household regardless of document count, with credits reloading annually and shared across every seat in the firm. Founded in New York by Andrew Altfest, president of an established wealth management firm, and Luis Quiroz, previously an artificial intelligence development leader at the Mexican Stock Exchange.

Holistiplan sells tax aware planning software to financial advisers and tax professionals, built around a single workflow decision: begin from the client's actual filed tax return rather than from stated goals or a hypothetical cash flow. An adviser uploads a return in portable document format together with its schedules, and machine reading extracts the figures into structured fields in roughly 45 seconds, replacing what was previously an hour or more of manual keying and, in practice, replacing the decision not to do tax planning for most of a book at all. A calculation engine then produces a white labelled client facing observations report covering marginal and effective rates, capital gains position, modified adjusted gross income tiers and Medicare premium surcharge exposure, and flags planning opportunities such as conversion headroom, charitable structuring, gain and loss harvesting and retirement income timing. Multi year projection and side by side scenario modelling let an adviser test the tax consequence of a decision several years forward. The company has widened beyond tax twice, adding property and casualty insurance analysis with premiums feeding cash flow projections, and in late 2024 an estate planning module that extracts and manages legal documents and renders asset distribution as interactive diagrams. It integrates with several widely used adviser planning and client relationship systems and positions itself as a layer over an existing stack rather than a replacement for one. Founded in 2019 in College Station, Texas, winner of a fee only adviser network technology competition in its first year, and backed since September 2023 by Lead Edge Capital. It led the tax planning category of the 2026 independent adviser software survey at 39 percent market share with the highest satisfaction rating in that category.

K1x digitises and distributes the tax data generated by private market investments, reading partnership statements, information returns and exempt organisation filings that arrive as inconsistent documents and extracting the complex allocation items inside them in seconds. It then moves that data to whoever needs it, connecting institutional investors, family offices, fund administrators, wealth managers, accounting firms, tax preparation systems and the federal and state tax authorities themselves, with validation and governance in the workflow and certified electronic filing at the end.

Nitrogen sells an integrated client engagement suite to financial advice firms, built outward from the Risk Number, a patented single figure expression of a client's risk tolerance derived from a questionnaire grounded in the behavioural economics literature on how people actually weigh gains against losses. Launched as Riskalyze in 2011 and renamed in 2023, the company turned a subjective suitability conversation into a quantified one and the score became a category standard, used to align a portfolio to a stated tolerance and to evidence that alignment. Around it sit proposal generation, an investment research product, an income planning product carrying stress tests that model real market events against guaranteed income sources, and a tax intelligence product producing client ready reports on tax position and on the tax consequence of moving from a current portfolio to a proposed one. A separate engine product exposes the Risk Number and the portfolio analytics programmatically so institutions and larger wealth enterprises can embed them in their own systems. In February 2026 the company launched Nucleus, an agentic engine embedded across the suite rather than offered as a separate assistant, which an adviser can task from inside a client profile with setting risk targets, sending risk questionnaires, converting an uploaded statement into a portfolio, generating a retirement income map, drafting a proposal and preparing meeting talking points. Nucleus operates only within the platform's own structured data and requires adviser approval before any action executes, and the company states certification against both a service organisation control standard and the international management system standard for artificial intelligence. Alongside it the company introduced a human verified tier of its statement conversion capability at a published monthly rate. Headquartered in Auburn, California, with a customer base running from solo practitioners to enterprises of more than a thousand advisers.

RightCapital sells financial planning software to advice firms, built on its own calculation engine covering retirement projection, tax aware distribution modelling, student loan analysis, insurance and estate views and a client portal. Founded in 2015 in Shelton, Connecticut and used by thousands of advisers, it grew as the modern challenger to two long established planning packages and ships a migration tool aimed specifically at users of one of them. Two artificial intelligence capabilities arrived in 2026. Smart Import reads documents uploaded into the platform, identifies which of their contents are relevant to a financial plan and translates them into plan inputs, which the company reports cuts manual data entry time by at least 70 percent. Iris, launched in June 2026, is a planning agent working inside the adviser's existing workflow rather than as a separate assistant, with three published functions: a check that scans a client profile for missing fields and internal inconsistencies that would undermine a plan, a review of cash flow that surfaces anomalies, questionable assumptions and future gaps, and a builder that takes a target probability of success and returns three strategies constructed by varying inputs such as retirement age or spending. It also answers planning questions and explains results in language an adviser can pass to a client, and a separate assistant answers questions about the platform itself. The company states a specific design constraint: every output originates from its own calculation engine, so the agent surfaces results the verified engine produced rather than generating them from outside sources. Firms control which staff may use the agent, and it carries no additional charge on the upper two subscription tiers.

Timeline sells an integrated ecosystem to United Kingdom financial advice firms that spans three businesses sold as one proposition. The planning software began in 2018 as a retirement decumulation tool built on the academic sustainable withdrawal rate literature, letting an adviser illustrate historical worst case scenarios that other planning packages could not, and has since widened into lifelong cashflow modelling, a client factfind, digital letters of authority and an inheritance tax planner. Alongside it sits an investment business comprising evidence based model portfolios and a multi asset fund range with portfolio analytics, which passed three billion pounds under management in 2025 and is distributed across fourteen platforms. A third arm is the company's own platform technology handling order execution and custody. In May 2026 the company launched Pennee, a chat driven assistant reached inside the planning product, which prepares annual reviews, summarises meeting notes, drafts client communications and reports, structures financial plans from uploaded documents, builds cashflows, sends factfinds and assembles follow up workflows, drawing on client records, portfolio data and platform data already held in the ecosystem rather than starting from a blank prompt. It can join client meetings to record and summarise, extract action points and client vulnerability indicators, and flag life events. The group operates through two companies with a boundary it publishes itself: the investing and platform services entity is authorised and regulated by the Financial Conduct Authority, and the planning software entity is not. Founded by Abraham Okusanya and headquartered in London.