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eMoney Advisor from Fidelity Investments
A comprehensive financial planning platform that offers client-facing dashboards, interactive planning tools, advanced analytics, scenario planning, estate planning, and secure document storage. It provides advisors with insights to create personalized financial plans.
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Product analysis by function
Financial Planning Tools for Wealth Management
Solutions that support comprehensive financial planning for clients, including retirement, tax, estate, and cash flow planning.
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Financial Goal Management
(9 Yes /9 Known /10 Possible features)
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Goal creation wizard Intuitive interface for creating various types of financial goals (retirement, education, home purchase, etc.) |
eMoney Advisor provides a goal creation wizard as part of its core financial goal setting experience, as evidenced by documentation and demos. | |
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Goal prioritization Ability to rank and prioritize multiple financial goals |
Users can rank and prioritize goals in eMoney’s interface based on their needs as shown in product guides. | |
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Goal progress tracking Visual indicators of progress toward financial goals |
Goal progress is tracked visually via dashboards and timeline tools per eMoney platform screenshots. | |
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Goal adjustment tools Ability to adjust goals based on changing circumstances |
The system enables clients to adjust goals dynamically based on changing circumstances (feature highlighted in platform marketing). | |
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What-if scenarios Simulation tools to test different financial scenarios and their impact on goals |
eMoney offers scenario planning ('What-if' scenarios) for simulating market and life event impacts on financial plans. | |
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Automated goal recommendations AI-driven suggestions for realistic goal setting based on client financial profile |
Provides automated, data-driven goal recommendations leveraging client profiles (feature documented on eMoney’s public website). | |
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Multi-timeline visualization Ability to view multiple goals across different time horizons simultaneously |
Supports multi-timeline visualization, allowing users to view all goals across different timespans. | |
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Goal linkage to accounts Direct connection between specific accounts/investments and designated goals |
Direct association/linking of financial accounts with specific goals is supported (confirmed in training materials). | |
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Goal-based reporting Customized reports showing progress toward specific financial goals |
Goal-based reporting is a key feature, with customizable progress reports by individual goal. | |
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Maximum number of goals The maximum number of distinct financial goals that can be tracked simultaneously |
No information available |
Investment Portfolio Management
(9 Yes /9 Known /11 Possible features)
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Portfolio rebalancing Automated or manual tools to rebalance investment portfolios to target allocations |
Portfolio rebalancing tools are mentioned as both automated and manual (investment management section). | |
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Model portfolios Pre-configured investment models based on risk profiles and objectives |
Pre-configured model portfolios are supported for risk-based allocation. | |
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Custom asset allocation Ability to create and implement custom asset allocation strategies |
Custom asset allocation is a standard feature for advisor-driven planning. | |
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Tax-loss harvesting Tools to identify and execute tax-loss harvesting opportunities |
No information available | |
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ESG/SRI screening Capabilities for environmental, social, governance or socially responsible investment screening |
ESG/SRI screening can be set up during portfolio construction (see product release notes). | |
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Performance reporting Detailed performance analytics including returns, benchmarking, and attribution |
Performance reporting — including benchmarking and attribution — is core to the analytics suite. | |
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Risk analytics Advanced risk measurement tools including volatility, drawdown, and stress testing |
Risk analytics (including stress testing and volatility) are provided for portfolios. | |
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Alternative investment support Ability to include and analyze alternative investments within portfolios |
Alternative investment support is present and users can include real estate and private assets. | |
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Asset location optimization Tools to optimize which investments are held in which account types for tax efficiency |
Asset location optimization is provided as part of the tax optimization tools. | |
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Portfolio optimization tools Advanced optimization algorithms to maximize returns for given risk levels |
Portfolio optimization functionality is referenced under the advanced analytics features. | |
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Maximum securities tracked The maximum number of individual securities that can be monitored within portfolios |
No information available |
Retirement Planning
(9 Yes /9 Known /10 Possible features)
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Retirement income projections Tools to project income needs and sources during retirement |
Retirement income projections and projection tools are included (core selling point). | |
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Social Security optimization Analysis tools for optimizing Social Security claiming strategies |
Social Security optimization is specifically called out in feature lists and demos. | |
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Monte Carlo simulations Probability-based analysis of retirement outcomes using multiple scenarios |
Monte Carlo simulation is standard in retirement planning and scenario sections. | |
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Required Minimum Distribution calculator Tools to calculate and plan for RMDs from retirement accounts |
RMD calculators provided as part of retirement tools. | |
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Longevity risk analysis Analysis of the impact of different life expectancies on retirement plans |
Longevity risk analysis is contained in both the retirement projection and insurance analysis. | |
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Healthcare cost projections Estimates of healthcare and long-term care costs in retirement |
Healthcare and long-term care cost projections are included (supported by vendor documentation). | |
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Retirement account optimization Analysis of optimal contributions and withdrawals across different retirement account types |
Retirement account optimization supported via optimization calculators and withdrawal strategies. | |
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Retirement income strategies Tools for modeling different retirement income strategies (e.g., bucket approach, systematic withdrawals) |
Retirement income strategies (like bucket, systematic withdrawal) can be modeled (training resources). | |
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Retirement lifestyle modeling Ability to model different spending patterns and lifestyles in retirement |
Can model different types of retirement lifestyles and spending patterns (marketing collateral). | |
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Simulation iterations The number of iterations used in Monte Carlo simulations for statistical reliability |
No information available |
Tax Planning
(8 Yes /8 Known /10 Possible features)
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Tax projection tools Capability to project tax liabilities under various scenarios |
Tax projection tools are prominently included in tax planning modules. | |
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Tax-efficient withdrawal strategies Analysis of optimal account withdrawal sequences to minimize taxes |
Tax-efficient withdrawal sequencer is available for advisors. | |
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Capital gains planning Tools to manage and optimize capital gains realization |
The platform includes capital gains tracking and planning tools. | |
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Charitable giving strategies Analysis of tax-efficient charitable giving options |
Charitable giving strategies (including DAF, QCD, etc.) are discussed in the documentation. | |
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Estate tax planning Tools for estimating and planning for potential estate taxes |
Estate tax planning tools are present according to estate planning section. | |
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Tax bracket management Strategies to manage income levels relative to tax brackets |
Tax bracket management strategies are part of withdrawal/planning recommendations. | |
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Tax-loss carryforward tracking Ability to track and utilize tax losses carried forward from previous years |
No information available | |
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Alternative Minimum Tax analysis Tools to project and plan for potential AMT implications |
AMT analysis tools exist in the advanced tax planning segment. | |
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Multi-state tax planning Support for tax planning across multiple state jurisdictions |
Multi-state tax support is demonstrated for clients with cross-state assets or income. | |
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Tax update frequency How frequently the system updates tax rates, brackets, and rules |
No information available |
Estate Planning
(7 Yes /7 Known /10 Possible features)
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Estate distribution modeling Tools to model different estate distribution scenarios |
Estate distribution outcome modeling is available in the estate module. | |
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Trust planning tools Support for analyzing different trust structures and their implications |
Trust planning tools are present, as users can model different trust options. | |
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Beneficiary management Tracking and management of beneficiary designations across accounts |
Beneficiary tracking and management are integrated, letting users see designations. | |
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Gifting strategy analysis Tools to optimize lifetime gifting strategies |
Gifting strategy analysis forms part of broader estate and tax calculators. | |
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Business succession planning Support for planning business ownership transfers |
Business succession planning models are an available feature for business-owner clients. | |
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Estate document inventory Secure storage and management of estate planning documents |
eMoney’s Vault provides secure document storage for estate planning documents. | |
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Dynasty planning Multi-generational estate planning tools |
No information available | |
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Charitable legacy planning Tools for incorporating charitable giving into estate plans |
Charitable legacy planning is available via estate and legacy planning workflows. | |
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Estate tax projection Projection of potential estate tax liabilities under different scenarios |
No information available | |
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Maximum generations modeled The number of family generations that can be included in wealth transfer planning |
No information available |
Client Collaboration and Communication
(8 Yes /8 Known /10 Possible features)
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Client portal Secure online access for clients to view their financial plans and information |
Client portal is a major eMoney feature (for both data presentation and collaboration). | |
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Mobile app access Dedicated mobile application for client access on smartphones and tablets |
Dedicated mobile apps for both iOS and Android exist and are promoted to end users. | |
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Document sharing Secure exchange of documents between advisors and clients |
Secure document sharing between clients and advisors is supported via the 'Vault' feature. | |
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Co-browsing capability Ability for advisors and clients to simultaneously view and interact with the same screens |
No information available | |
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Client task management Assignment and tracking of client action items |
Client task management (assign and track client action items) is available from the portal. | |
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Virtual meeting integration Built-in or integrated video conferencing capabilities |
Virtual meeting integration (video calling) is available via integrations with Zoom/Teams. | |
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Collaborative goal setting Tools allowing clients and advisors to collaboratively establish financial goals |
Collaborative goal setting between advisor and client is a core workflow in eMoney. | |
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Notification system Customizable alerts and notifications for clients and advisors |
eMoney has a notification/alert system for both clients and advisors. | |
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Client feedback tools Mechanisms for collecting and managing client feedback |
Feedback tools (e.g., surveys and in-portal feedback collections) are available. | |
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Maximum document storage The maximum amount of document storage available for client files |
No information available |
Data Integration and Aggregation
(9 Yes /9 Known /10 Possible features)
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Account aggregation Ability to automatically collect and consolidate data from multiple financial institutions |
Aggregation from 20,000+ financial institutions; well documented by vendor. | |
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Banking integration Direct connections to banking systems for transaction data |
Direct banking integration is present for transaction and balance updates. | |
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Investment platform integration Direct connections to investment platforms and custodians |
Direct integration to major investment platforms/custodians supported. | |
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CRM integration Connectivity with customer relationship management systems |
eMoney has integrations with major CRM providers (e.g., Salesforce, Redtail). | |
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Document management integration Connections to document management systems |
Can connect to document management platforms (see integration section). | |
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Tax software integration Ability to share data with tax preparation software |
Tax software integration: export and sync data with many tax prep solutions. | |
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API availability Availability of APIs for custom integrations with other systems |
APIs exist for advanced and custom integrations (public API documentation available). | |
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Data import capabilities Support for manual data imports from various file formats |
Manual data file imports are supported (CSV, Excel, OFX, etc.). | |
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Real-time data updates Frequency of automatic data refreshes from integrated sources |
Real-time data refreshes are a key selling point for advisors and clients. | |
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Number of supported institutions The number of financial institutions supported for direct data aggregation |
No information available |
Reporting and Analytics
(9 Yes /9 Known /10 Possible features)
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Customizable reporting Ability to create and customize client-facing reports |
Customizable reporting is provided through the robust reporting module. | |
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Interactive dashboards Dynamic visualization tools for exploring financial data |
Interactive dashboards are at the heart of the client/advisor experience. | |
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Scenario comparison Side-by-side comparison of different financial scenarios |
Users can make side-by-side scenario comparisons for alternative financial plans. | |
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White-labeling options Ability to brand reports with advisor/firm branding |
White-labeling (advisor branding/customization of reports) is available. | |
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Scheduled reporting Automated generation and delivery of periodic reports |
Automated scheduled reporting is supported via the reporting system. | |
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Benchmark comparison Ability to compare performance against relevant benchmarks |
Benchmark comparisons are standard on performance analytics screens. | |
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Peer group analytics Comparison of client situations against similar demographic groups |
Peer group analytics (demographic benchmark comparisons) are included. | |
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Export capabilities Options for exporting reports in various formats (PDF, Excel, etc.) |
Multiple export formats are supported for reports (PDF, Excel, etc.). | |
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Regulatory compliance reporting Generation of reports required for regulatory compliance |
Regulatory reports (for compliance) can be generated, as discussed in compliance documentation. | |
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Report generation speed The average time required to generate complex financial reports |
No information available |
Security and Compliance
(9 Yes /9 Known /10 Possible features)
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Data encryption Encryption of sensitive data both in transit and at rest |
All data is encrypted at rest and in transit, per industry practice and SOC documentation. | |
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Multi-factor authentication Additional security layers beyond password protection |
Multi-factor authentication is supported for all users (see security FAQ). | |
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Role-based access control Granular permission settings based on user roles |
Role-based access controls provided for users/advisors/admins. | |
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Audit logging Detailed tracking of all system access and changes |
Comprehensive audit logging is included for compliance and security. | |
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Regulatory compliance frameworks Built-in support for regulatory requirements (GDPR, CCPA, etc.) |
EMoney maintains alignment with GDPR, CCPA and other frameworks (see legal compliance). | |
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Data residency options Control over geographic location of data storage |
No information available | |
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Secure client communication Encrypted communication channels with clients |
Client-advisor communication is encrypted and secure (bank-grade security mentioned). | |
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Vulnerability testing Regular security testing and vulnerability assessments |
Vulnerability testing and regular penetration tests are performed (security disclosures). | |
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Disaster recovery Comprehensive backup and recovery capabilities |
eMoney meets disaster recovery industry standards (see SOC II reports). | |
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Security certification level The level of external security certification achieved (SOC 2, ISO 27001, etc.) |
eMoney Advisor is SOC 2 certified, confirmed by vendor and published trust pages. |
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