Financial planning software we provide

A plan every compliance officer can defend, not just every client can understand

A financial plan only holds up if it survives both a client meeting and a fiduciary audit. We build financial planning software that documents every assumption automatically, using AI to model scenarios and generate plain-language summaries advisors use.

Why a plan has to satisfy three audiences at once

Financial planning software has to hold up under scrutiny from clients, compliance teams, and regulators at once, so we treat calculation accuracy and data security as architecture decisions. A plan that impresses a client but can’t be defended in a fiduciary review isn’t done. Every system we build encrypts client financial data and logs every plan change in a complete audit trail from day one.

Before writing code, we map your advisors’ planning workflows, the account aggregation and custodial data feeds involved, and your compliance obligations, so integration complexity and regulatory requirements surface at the start, not mid-project.

Who we serve

Heads of wealth management at broker-dealers

You’re accountable for plan quality staying consistent whether an advisor has ten years of experience or ten months. We build a standardized planning engine that applies the same assumptions and calculations across every advisor and every client.

Independent RIAs replacing spreadsheet-based planning

You know your planning process inside out, but it lives in spreadsheets three people maintain slightly differently. We build automated projections, goal tracking, and client portals that fit how your advisors already work, without forcing you to rebuild your methodology.

Wealthtech platforms and COOs/CTOs

You need planning logic that plugs into an existing onboarding and portfolio stack, not a standalone tool your engineering team has to bolt on. We build modular planning components designed to integrate cleanly with what you’ve already built.

Challenges we address

A plan is only as good as the data behind it and the trust an advisor has in presenting it, and both tend to break down in the same predictable places. Here’s where that happens most often.

Inconsistent plan quality across advisors

Spreadsheets and disconnected tools produce plans that vary by advisor. A standardized planning engine applies the same assumptions and calculations across every client.

Disconnected data

Manually pulling account balances, holdings, and transactions from custodians and other institutions slows plan creation and introduces errors. Aggregation and integration remove the manual work.

Client engagement gaps

Static PDF plans don’t hold a client’s attention between reviews. Interactive dashboards and AI-supported summaries keep clients engaged with their plan year-round.

Compliance and fiduciary pressure

Advisors need to document the basis for recommendations and keep client data secure. We build audit trails, disclosures, and access controls into the workflow, not as an afterthought.

How we build it at Svitla

STEP 1

We learn how your advisors actually plan today

Before we write any code, we sit down with your advisors and watch how they build a plan today: which assumptions they lean on, where the process breaks down, and what a compliant recommendation needs to document. That conversation tells us whether this calls for full outsourcing or a lighter engagement model.

STEP 2

We turn that into a plan and a team

Your requirements and chosen engagement model become a concrete plan: scope, technology choices, and a team built around wealth management planning specifically, not generic software experience.

STEP 3

We build it and keep you close to the process

Development happens in short, reviewed cycles, and every cycle gets checked against real planning scenarios, not assumptions. You see progress as it happens, so nothing about the finished product surprises you.

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Goals-based and cash-flow planning

Retirement, education, and major-purchase goal modeling alongside detailed cash-flow projections.

Multiple goals modeled simultaneously, so funding one doesn't quietly assume away the others.

Account aggregation

Automated pulling of held-away accounts, custodial holdings, and liabilities into a single client financial picture.

Automatic flagging when an aggregated account's data looks stale or fails to refresh.

Scenario modeling and Monte Carlo analysis

What-if scenarios for market returns, retirement timing, and spending changes, with probability-of-success calculations.

Side-by-side scenario comparison, so a client sees the real trade-off of a decision, not just one outcome.

Tax planning and Roth conversion analysis

Tax-aware withdrawal sequencing, Roth conversion modeling, and estimated tax impact of planning decisions.

Multi-year tax projections that account for changing brackets and required minimum distributions.

Client portal and secure document vault

Self-service access to the plan, goal progress, and secure document sharing between advisor and client.

Real-time goal progress that updates as accounts change, not just at the next scheduled review.

AI-supported plan summaries

Plain-language explanations of complex projections and recommendations generated for client meetings.

Summaries that cite the specific assumption behind a recommendation, so an advisor can defend it on the spot.

Compliance and audit trail

Documentation of every assumption, recommendation, and plan change to support fiduciary and suitability requirements.

A complete change history that turns a compliance review into a quick lookup, not a reconstruction project.

Reports and dashboards

Advisor-facing book-of-business views, plan adoption metrics, and household-level reporting exportable to your CRM or BI tools.

Adoption metrics that flag which advisors or households haven't engaged with their plan recently.

Important integrations for financial planning software

Custodians and account aggregation services

For pulling real-time account balances, holdings, and transactions into the client’s financial picture.
For flagging when a custodian feed goes stale, rather than silently showing outdated balances as current.
For reconciling data from multiple custodians into one consistent household view.
For refreshing aggregated data on a schedule that keeps plans current without excessive API calls.

CRM systems

For syncing household data, meeting notes, and plan status with the advisor’s client relationship records.
For surfacing plan status directly in the advisor’s existing daily workflow.
For confirming a plan update reflects in the CRM without manual re-entry.
For keeping household relationships (spouses, dependents, trusts) consistent across both systems.

Portfolio management and rebalancing platforms

For aligning the financial plan with the client’s actual investment allocation.
For flagging when portfolio allocation drifts from what the plan assumes.
For pulling real holdings data into scenario modeling instead of a static assumption.

Document management and e-signature platforms

For secure storage and signing of plans, disclosures, and advisory agreements.
For maintaining a complete, timestamped record of every signed disclosure.
For routing multi-party signatures (spouses, co-trustees) without manual coordination.

Is custom financial planning software the best option for your needs?

Answer a few simple questions to find out whether you should choose a custom solution or a pre-built financial planning platform.

1 / 10

Do your advisors need planning workflows that go beyond standard goals-based templates?

Does your current tool’s tax or Roth conversion analysis fail to match the complexity of your client base?

Does your team still spend significant time manually pulling account data from custodians or other institutions?

Do you need the system to integrate with a specific CRM, custodian, or portfolio management platform?

Have you experienced client engagement drop-off between plan reviews?

Do you operate under fiduciary or suitability requirements that demand a documented planning process?

Do you need AI-based capabilities such as scenario modeling, plain-language plan summaries, or personalized recommendations?

Have you already tried an off-the-shelf financial planning platform that didn’t cover your workflows?

Do you plan to keep scaling your advisor or client base over the next 2–3 years?

Consistent plan quality across advisors

A standardized planning engine reduces variance in recommendations across advisors.

New advisors ramp up faster when the engine, not their personal spreadsheet habits, drives quality.

Faster plan creation

Automated aggregation removes the manual data-pulling that slows down every new plan.

Advisors spend more time discussing the plan and less time assembling it.

Higher client engagement and retention

Interactive dashboards and AI summaries keep clients engaged with their plan between reviews.

Engaged clients are measurably less likely to consolidate assets with a competing advisor.

Lower compliance risk

Built-in audit trails and disclosures reduce the cost and risk of a fiduciary or suitability finding.

A documented change history turns a regulatory inquiry into a quick lookup, not a scramble.

Stronger advisor productivity

Less time on manual data work and calculation means more capacity per advisor.

AI-generated summaries cut prep time before client meetings without cutting corners on substance.

Better cross-sell and referral opportunities

A more engaging planning experience creates natural openings for additional services and referrals.

Map your planning methodology and design the solution

We analyze your advisors’ planning objectives, current workflows, and compliance obligations, then define the feature set, calculation engine, and technology stack tailored to your client complexity and regulatory environment. We lock in scope, deliverables, timeline, budget, and team structure before development starts.
Build and validate against real planning scenarios

Our engineers build the solution iteratively, delivering and reviewing working functionality in short cycles. We verify calculation accuracy, scenario modeling, and compliance logic against real historical planning data, not simplified test cases.
Migrate data and integrate your systems

We migrate relevant historical client and plan data from legacy tools and validate accuracy at every step. We connect the new system to your CRM, custodians, and portfolio management platform, testing each integration against live data before go-live.
Train your advisors and launch with support

We train advisors and support staff on the new workflows before rollout. After launch, we offer ongoing technical support and implement enhancements as your planning methodology and regulatory requirements evolve.

Costs of custom financial planning software development

Based on Svitla’s experience, average costs for building custom financial planning software range from $60,000 to $600,000, depending on solution complexity, the number of integrations, and the AI functionality involved.

Want to understand the cost of your financial planning solution?

Calculate the cost

Check Our Client Success Cases

A closer look at real projects where calculation accuracy, fiduciary documentation, or advisor-facing usability were part of the challenge, not just the pitch.

InvoiceASAP

Project Type Mobile Development

Industry Financial Services

Discover how we enhanced InvoiceASAP, a mobile invoicing network, by developing new features, increasing app accuracy, and improving reporting and visualization. With a dedicated development and QA team, we expanded capabilities, improved stability, and enhanced user experience.

Building A Compliance Portal For A Leading Financial Adviser Network

Project Type AU Solution, UX/UI, Web Development

Industry Financial Services

Svitla Systems built Centrepoint Alliance's "Virtual Front Door," an Umbraco-based portal that consolidates education, compliance, training, and resources for financial advisers, with Salesforce integration. Adviser reception was so positive that the initial proof-of-concept expanded into a full Adviser Hub and a new adviser extranet.

CRMa

Project Type Web Development

Industry Financial Services

Find out how we built a comprehensive platform for CRMa, incorporating a Ruby on Rails web application and a self-service tool for calculating Allowance for Loan and Lease Losses (ALLL), facilitated by a dedicated development team and a mature test automation framework, enabling extensibility and sophisticated financial analysis.

Our awards and partnerships

Financial planning software consulting

Financial planning process and needs analysis.

Audit of the existing planning workflows and tools (if any).

Recommendations on optimal features, architecture, and tech stack.

A plan of integrations with your CRM, custodians, and portfolio management platform.

Implementation cost and time estimates, expected ROI calculation.

Financial planning software engineering

Financial planning solution conceptualization and architecture design.

Custom development of the financial planning system.

Integration with the necessary financial systems.

Quality assurance and user training.

Continuous support and evolution (if required).

Financial planning software modernization

Audit of your current planning platform, spreadsheets, or legacy tool.

A migration plan for historical client and plan data, validated at every step.

AI-supported summary and scenario modeling upgrades the old tool couldn't support.

A phased cutover that keeps active client plans accessible during the transition.

Advisor training on the new system, so plan quality doesn't dip after go-live.

FAQ

Do you work with regulated financial institutions (RIAs, broker-dealers, wealth management firms)?

Yes. We have experience building software for regulated entities and understand the compliance requirements, security standards, and audit processes involved. Our team is familiar with SEC, state RIA, and fiduciary/suitability documentation frameworks.

How do you handle client financial data security?

Security is built into the architecture, not added afterward. We apply encryption in transit and at rest, role-based access controls, secure development practices, and complete audit logging of every plan change and recommendation.

Can you integrate custom financial planning software with our existing CRM or custodian?

Yes. Integration with your CRM, custodians, portfolio management platform, and document management tools is planned in the first project phase. We work with commonly used systems via their APIs and build custom connectors where standard ones don’t exist.

When does custom financial planning software make more sense than an off-the-shelf platform?

Custom development pays off when your planning methodology or client complexity doesn’t fit standard templates, when per-advisor licensing becomes expensive at scale, or when you need integrations and AI features that packaged platforms don’t offer. If a pre-built platform covers your needs, we’ll tell you, and can help implement it instead.

How long does it take to develop financial planning software?

The timeline depends on the feature scope, integrations, and planning methodology involved. We typically deliver in phases, starting with a working core (account aggregation, projections, and client portal), so you see value before the full rollout.

Do you provide ongoing support after launch?

Yes. We offer post-launch support and enhancement engagements: monitoring, maintenance, and the implementation of new features as your planning methodology and regulatory requirements evolve.

Our advisors are skeptical of AI-generated plan summaries. How do you get them to actually trust and use it?

We build summaries that show their reasoning, citing the specific assumption or data point behind a recommendation, not just a polished paragraph. Trust typically builds when an advisor checks a summary against their own judgment a few times and finds it holds up, not from being told the AI is accurate. Once that trust forms, most advisors start using summaries to save prep time instead of double-checking every one manually.

What if every recommendation could explain itself to a client or a regulator?

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Financial planning software we provide

A plan every compliance officer can defend, not just every client can understand

A financial plan only holds up if it survives both a client meeting and a fiduciary audit. We build financial planning software that documents every assumption automatically, using AI to model scenarios and generate plain-language summaries advisors use.

Why a plan has to satisfy three audiences at once

Who we serve

Heads of wealth management at broker-dealers

Independent RIAs replacing spreadsheet-based planning

Wealthtech platforms and COOs/CTOs

Challenges we address

Inconsistent plan quality across advisors

Disconnected data

Client engagement gaps

Compliance and fiduciary pressure

How we build it at Svitla

We learn how your advisors actually plan today

We turn that into a plan and a team

We build it and keep you close to the process

Goals-based and cash-flow planning

Account aggregation

Scenario modeling and Monte Carlo analysis

Tax planning and Roth conversion analysis

Client portal and secure document vault

AI-supported plan summaries

Compliance and audit trail

Reports and dashboards

Important integrations for financial planning software

Custodians and account aggregation services

CRM systems

Portfolio management and rebalancing platforms

Document management and e-signature platforms

Is custom financial planning software the best option for your needs?

Almost done

Thank you!

Consistent plan quality across advisors

Faster plan creation

Higher client engagement and retention

Lower compliance risk

Stronger advisor productivity

Better cross-sell and referral opportunities

Map your planning methodology and design the solution

Build and validate against real planning scenarios

Migrate data and integrate your systems

Train your advisors and launch with support

Ready to give your advisors a better planning platform?

Costs of custom financial planning software development

Estimate the cost of your financial planning solution

What’s the goal of your financial planning solution?

Where are you now?

How many advisors or clients will use the system?

Which systems should the solution integrate with?

Which AI capabilities do you need?

Which compliance requirements apply to you?

What’s your expected timeline?

Do you have a budget range defined?

Almost done

Thank you!

Check Our Client Success Cases

InvoiceASAP

Building A Compliance Portal For A Leading Financial Adviser Network

CRMa

Our awards and partnerships

Financial planning software consulting

Financial planning software engineering

Financial planning software modernization

FAQ

Do you work with regulated financial institutions (RIAs, broker-dealers, wealth management firms)?

How do you handle client financial data security?

Can you integrate custom financial planning software with our existing CRM or custodian?

When does custom financial planning software make more sense than an off-the-shelf platform?

How long does it take to develop financial planning software?

Do you provide ongoing support after launch?

Our advisors are skeptical of AI-generated plan summaries. How do you get them to actually trust and use it?

What if every recommendation could explain itself to a client or a regulator?