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Money Tree Silver from Moneytree Software
Retirement needs analysis, goal-based planning, cash flow planning, Monte Carlo simulations, tax planning, and comprehensive reporting.
Product analysis by function
Retirement Planning Systems for Financial Planning
Specialized software for modeling retirement scenarios, calculating required savings rates, projecting retirement income needs, and analyzing Social Security optimization strategies.
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Client Data Management
(9 Yes /9 Known /10 Possible features)
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Comprehensive Profile Storage Ability to capture and store detailed personal, family, and demographic data for each client. |
Comprehensive data gathering and scenario modeling require detailed personal and family profiles; this is a core function of Money Tree Silver. | |
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Document Management Upload and link client documents for reference and compliance (e.g., tax returns, Social Security statements). |
Money Tree Silver allows attaching documents to client profiles for reference and compliance needs, as outlined in product guides. | |
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Customizable Data Fields Option to configure and add new fields as needed by the advisor. |
Supports creation of new custom fields for clients to tailor plans to advisor needs, as indicated by Moneytree's documentation. | |
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Data Import Capabilities Support for bulk or API-driven import of client data from CRMs or custodians. |
Features import capabilities from external systems (e.g., support for importing data from custodians and some CRMs). | |
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Multi-Client/Household Support Ability to manage planning for couples or extended households. |
Supports planning at household level (couples, extended households) and can model scenarios for multiple people. | |
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Access Controls Granular user permission management for client confidentiality. |
Role-based access permissions allow for limiting access to sensitive information; necessary for compliance. | |
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Audit Trails Track and log changes to client data for compliance. |
Audit trails for client data changes are part of Money Tree Silver’s compliance features, as required by regulatory standards. | |
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Data Encryption Secure encryption for data at rest and in transit. |
Data is encrypted in transit; security documentation indicates support for industry-standard encryption. | |
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Data Backup Frequency How often the client data is backed up. |
No information available | |
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Multi-Device Accessibility Access client data from web, tablet, or mobile devices. |
Accessible via web browsers on desktop and mobile; responsive design allows access on multiple device types. |
Retirement Scenario Modeling
(10 Yes /10 Known /10 Possible features)
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Goal-Based Planning Set and track retirement lifestyle goals. |
Explicitly branded as a goal-based planning system; advisors can enter and track client retirement or lifestyle goals. | |
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Monte Carlo Analysis Probability-based simulations for potential retirement outcomes. |
Implements Monte Carlo analysis for retirement success probability; this is highlighted on the Money Tree Silver product page. | |
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Multiple Scenario Comparison Contrast different saving, spending, and retirement age combinations. |
Multiple scenarios can be saved, compared and analyzed side by side for different strategies. | |
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Sensitivity Analysis Test plan sensitivity to variables such as inflation or market returns. |
Sensitivity analysis (stress testing) available for inflation, returns, and other variables during scenario modeling. | |
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What-If Calculators Interactive tools for instant scenario changes (e.g., early retirement). |
‘What-If’ calculators and instant scenario adjustments are a key aspect highlighted in marketing and documentation. | |
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Retirement Age Flexibility Ability to set and model single or phased retirement ages. |
Retirement ages can be specified by the advisor, and systems can accommodate phased retirement modeling. | |
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Deferred and Partial Retirement Support Model phased retirements, encore careers, and bridge jobs. |
Models bridge jobs, partial retirements; allows incremental changes in income/withdrawal in retirement. | |
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Tax Rate Assumption Flexibility Customizable current and future tax rates assumptions. |
Tax assumption configurability is a core function of the software, allowing adjustments for client-specific and future scenarios. | |
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Outcome Probability Reporting Reporting on the probability of plan success based on simulation. |
Probability-based reporting, including likelihood of plan success, is standard output for Monte Carlo scenarios. | |
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Scenario Save and Archive Save and revisit previous scenario analyses. |
Scenarios can be saved, duplicated, and archived for ongoing client engagement. |
Savings and Contribution Planning
(10 Yes /10 Known /10 Possible features)
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Savings Gap Analysis Calculate shortfall between projected assets and retirement income needs. |
Includes analysis to identify shortfall between assets and required retirement income. | |
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Optimal Savings Rate Calculator Automatically compute required savings rates to hit client goals. |
Optimal savings rate calculations are included as part of gap analysis features. | |
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Contribution Scheduling Model custom schedules for 401(k), IRA, HSA, or other retirement account contributions. |
Supports modeling of contribution schedules for multiple retirement accounts. | |
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Employer Match Modeling Calculate matching contributions and impacts on plan health. |
Employer match logic is handled as part of the contribution modeling for retirement plans. | |
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Catch-Up Contributions Handling Support for modeling age-based increased contribution limits. |
Catch-up contributions (e.g., for age 50+) can be modeled; feature appears in their documentation. | |
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Multi-Account Projections Project outcomes using multiple account types and sources. |
Projects using multiple account types (IRA, 401k, brokerage, etc.). | |
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Automatic Inflation Adjustments Apply inflation assumptions to future savings estimates. |
Inflation assumptions are automatically applied for future projections; can be adjusted. | |
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Custom Retirement Accounts Add and configure non-standard or custom account types. |
Custom account types can be configured per client. | |
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External Account Integration Ingest current balances and transactions from custodians or aggregators. |
Supports data feeds and integrations with account aggregators and custodians for balance import. | |
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Contribution Limit Warnings Automatic alerts if projected contributions exceed legal annual limits. |
System alerts advisors if annual contribution limits are exceeded based on client profile. |
Retirement Income Planning
(10 Yes /10 Known /10 Possible features)
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Income Source Modeling Project income from pensions, annuities, Social Security, rental income, and other sources. |
Forecasts income not just from investments but from pensions, Social Security, annuities, etc. | |
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Withdrawal Strategy Simulation Model various withdrawal strategies (e.g., 4% rule, bucket, dynamic withdrawals). |
Withdrawal strategy modeling (e.g., 4% rule, buckets) included in scenario planning tools. | |
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Required Minimum Distribution (RMD) Calculation Automate RMD forecasts for tax-deferred accounts. |
RMD calculations for tax-deferred accounts (IRA/401k) are available as automated worksheets. | |
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Tax-Efficient Drawdown Sequencing Model optimal order of account drawdowns to minimize taxes. |
Modeling for sequencing withdrawals to minimize taxes can be set up within distribution plans. | |
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Longevity Modeling Account for client-specific longevity projections and risks. |
Allows for adjustment of life expectancy/longevity assumptions for each client. | |
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Expense Tracking and Projections Forecast and categorize retirement living expenses. |
Expense projection and categorization are integrated for tracking planned and actual retirement spending. | |
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Spending Shock Events Model possible one-time expenses (e.g., healthcare events, home purchase). |
One-time shock events (e.g., major healthcare expense) can be modeled in scenarios. | |
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Income Gap Analysis Identify and quantify the gap between guaranteed and required income. |
Identifies the difference between guaranteed and required/target income in retirement. | |
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Multi-Year Cash Flow Reporting Report cash flows year-by-year over the retirement period. |
Year-by-year cash flow projections available in reporting and dashboard outputs. | |
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Custom Inflation Assumptions Allow separate inflation rates for different expense categories. |
Custom inflation rates may be set per expense category for detailed projections. |
Social Security Optimization
(9 Yes /9 Known /10 Possible features)
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Benefit Projection Integrate actual or estimated Social Security earnings and estimate benefit by claim age. |
Integrates Social Security benefit projections and calculates effects of different claiming ages. | |
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Filing Strategies Support analysis of claiming strategies (early, FRA, delayed, spousal, survivor). |
Allows comparison and recommendation of various Social Security claiming strategies. | |
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Taxation of Benefits Account for federal and state taxation of Social Security income. |
Models tax impact of Social Security income at federal and, in many cases, state levels. | |
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Break-Even Analysis Calculate break-even ages for filing at different times. |
Break-even filing ages are calculated as part of benefit optimization. | |
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Restricted Application Modeling Analyze effect of restricted application for eligible clients. |
No information available | |
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Earnings Test Simulation Model impacts of working and income on benefits before FRA. |
Earned income impacts on Social Security are included in their Social Security planning features. | |
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Survivor & Divorcee Benefits Handle special cases for survivors and ex-spouses. |
Models survivor and divorcee benefits as part of the Social Security optimization toolkit. | |
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Integration with Retirement Cash Flows Automatically include Social Security benefits in overall income plan. |
Links Social Security projections to the core retirement cash flow analysis automatically. | |
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Annual Statement Import Import official Social Security statement data (e.g., .xml or PDF parsing). |
Supports import of Social Security statements via PDF and XML upload. | |
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Benefit Start Age Flexibility Allow input of custom benefit start ages for client & spouse. |
Allows for custom benefit start ages for both primary and spousal claimants. |
Tax Planning and Analysis
(8 Yes /8 Known /10 Possible features)
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Tax Bracket Visualization Show projected tax brackets per year in retirement. |
Projects client tax brackets year by year, available in tax reports and PDF output. | |
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Marginal Effective Tax Rate Calculation Display impact of withdrawals or conversions on total tax liability. |
Marginal effective tax rates are calculated during withdrawal and conversion analyses. | |
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Roth Conversion Analysis Simulate Roth conversions and quantify long-term effects. |
Roth conversion modeling is a built-in feature for tax strategy optimization. | |
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Capital Gains Realization Modeling Include planning for taxable investments and capital gains events. |
Capital gains and taxable investment projections are modeled and tax effects are reported. | |
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State-Specific Tax Rules Customize tax projections to client’s state of residence. |
Supports state-specific tax calculations for all 50 U.S. states. | |
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Medicare IRMAA Simulation Estimate Medicare premium surcharges due to income spikes. |
No information available | |
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Deductions and Credits Support for common deductions/credits affecting retirees (age 65+, medical deduction, etc.). |
Allows input and modeling for deductions and credits affecting retirees (e.g., medical, 65+ standard deduction). | |
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Estate and Inheritance Tax Calculation Model potential estate/inheritance taxes and gifting strategies. |
Estate and inheritance tax modeling is a core feature for wealth transfer scenarios. | |
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Year-End Tax Summaries Generate annual tax summary reports for clients. |
Annual tax summary reports are produced as part of the reporting suite. | |
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Tax Law Update Frequency How often the system updates modeling for new tax laws. |
No information available |
Integration and Data Connectivity
(8 Yes /8 Known /10 Possible features)
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API Access Available developer APIs for programmatic data import/export. |
API access available for many integrations, as documented with integration partners. | |
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Account Aggregation Support Automatic syncing of external bank, investment, and retirement accounts. |
Offers account aggregation features via integrations with third-party aggregators. | |
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Custodian/CRM Integration Integrate with major custodians and CRM platforms. |
Integrates with selected major custodians and CRM platforms as per integration documentation. | |
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Real-Time Data Feeds Support for live prices and position updates. |
Live prices and position updates are available for accounts via external connections. | |
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File Import/Export Options Support for CSV, Excel, Open Financial Exchange (OFX), and PDF files. |
Supports importing and exporting of CSV, Excel and PDF files. | |
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Two-Factor Authentication Support Secure login and integrations to protect data flows. |
Two-factor authentication or equivalent available for secure data flows and logins. | |
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Single Sign-On (SSO) Seamless login across platforms with corporate SSO. |
Corporate SSO is supported through integrations for enterprise clients. | |
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Integration with Planning Tools Connect to proposal, risk profiling, or document signing tools. |
Can integrate with other planning, proposal, and risk tools via API and partner network. | |
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Update/Sync Frequency How often external data updates (e.g., balances, transactions). |
No information available | |
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Open Banking Standards Compliance Adherence to Open Banking API/data standards for interoperability. |
No information available |
Reporting and Presentation
(8 Yes /8 Known /10 Possible features)
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Custom Report Builder Create branded, advisor-specific report templates. |
Custom report templates can be created and branded; white-labeling offered for firms. | |
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Scenario Comparisons Visualize and explain different retirement strategies side by side. |
Comparison of different scenarios and visual explanation available in the reporting engine. | |
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Export Formats Export reports in PDF, web, and Excel formats. |
Supports export of reports in PDF, web, and Excel formats. | |
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White-Labeling Offer branding options for advisory firms. |
Branding and white-label customization options available for advisory firms. | |
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Presentation Mode Advisor-friendly client presentation and guided walkthrough tools. |
Presentation mode with guided walkthroughs for client meetings is a highlighted selling point. | |
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Client Portal Access Enable clients to securely review reports and scenarios on demand. |
Dedicated client portal access for report and scenario review. | |
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Interactive Dashboards Live dashboards for ongoing engagement and feedback. |
Advisors and clients can interact with live dashboards of plan progress. | |
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Language Localization Reports and interface available in multiple languages. |
No information available | |
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Accessibility Compliance Reports meet standards for ADA and screen-reader usability. |
No information available | |
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Automated Distribution Scheduling Auto-send reports to clients or advisors at set intervals. |
Distribution scheduling features for reports are part of the workflow automation suite. |
User and Advisor Experience
(6 Yes /6 Known /10 Possible features)
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Step-by-Step Guided Workflows Templates and wizards for guiding advisors through plan creation. |
Step-by-step guided workflows for plan creation are featured in the user interface. | |
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In-App Help and Tutorials Context-sensitive help, guides, and support documentation. |
In-app tutorials and help documentation are provided for user support. | |
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Bulk Plan Creation/Update Ability to update assumptions/scenarios for multiple clients at once. |
No information available | |
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Customizable Defaults Set firm- or advisor-specific default planning assumptions. |
Customizable defaults for firm- and advisor-specific planning assumptions available. | |
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Keyboard Accessibility Efficient navigation and data entry for power users. |
No information available | |
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Work Queue/Dashboard Prioritize and assign tasks for client management. |
No information available | |
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Advisor Collaboration Features Support for team notes, comments, and shared client planning. |
Collaboration features noted for teams working on joint clients and plan notes. | |
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Mobile App Availability Native or responsive mobile app for planning on the go. |
Responsive web access supported for mobile; no evidence of a dedicated app. | |
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Performance Speed Average time to run/report a complex scenario. |
No information available | |
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Customizable Task Alerts Notifications and reminders for plan reviews, contribution deadlines, or RMDs. |
Task alerting/notification features included for deadlines and reminders. |
Compliance and Security
(9 Yes /9 Known /10 Possible features)
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FINRA/SEC Compliance Tools Configurable disclosures, audit trails, and documentation built for U.S. regulation. |
Templates and audit support for FINRA/SEC compliance, including audit trails and disclosure documentation. | |
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GDPR/Global Data Compliance Adapts to international data privacy regulations. |
Product supports GDPR compliance features for international or global clients. | |
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Multi-Factor Authentication (MFA) Requires MFA for access by advisors and clients. |
Requires MFA (multi-factor authentication) for secure advisor and client access. | |
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Penetration Testing Frequency Frequency of system security audits and penetration testing. |
No information available | |
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User Role and Permission Granularity Define fine-grained roles for access to sensitive data. |
Role and permission granularity supported by admin controls for user access. | |
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Data Encryption Level Encryption standard used for all client data. |
Data encryption at the application and database level, per compliance documentation. | |
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Audit Logging Comprehensive logging of all user actions for oversight. |
Comprehensive audit logging is implemented for compliance and oversight. | |
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Automated Compliance Alerts Receive alerts for out-of-policy actions or missing documents. |
Automated alerts for compliance exceptions integrated into workflows. | |
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Consent Management Track client and user consent for required data uses. |
Consent management tools are included for user/data consent tracking. | |
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Secure Document Delivery Send retirement reports and data via encrypted channels only. |
All document/report delivery over encrypted channels is part of the security policy. |
Product Support and Updates
(6 Yes /6 Known /10 Possible features)
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Live Support Availability Access to phone, chat, or email support during business hours. |
Support is available by phone, email, and chat during business hours. | |
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24/7 Emergency Support Round-the-clock support for critical issues. |
No information available | |
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Implementation/Onboarding Assistance Vendor-provided hands-on help during onboarding. |
Implementation training and onboarding support highlighted in product materials. | |
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Scheduled Training Sessions Availability of recurring live or recorded product training. |
Recurring scheduled live and recorded training sessions available for users. | |
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User Community / Forums User-driven discussion groups and advisor knowledge sharing. |
Money Tree Silver maintains an active user community forum for peer support. | |
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Knowledge Base Depth Breadth of searchable documentation and FAQs. |
No information available | |
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Product Update Frequency How often new features/functionality are released. |
No information available | |
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Bug Fix Response Time Average time to fix critical system bugs. |
No information available | |
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User Feedback Channels Integrated feedback and suggestion collection. |
Solicits and collects user feedback and suggestions directly in product. | |
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Service Level Agreement (SLA) Vendor guarantees for uptime and support response. |
Service Level Agreements are available for advisory firms, guaranteeing uptime and support response. |
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