This technology release delivers powerful updates across retirement income, tax strategy, estate planning, and scenario modeling. Together, these enhancements give advisors more ways to model complex situations, surface meaningful comparisons, and stay focused on the client conversation rather than the mechanics of planning.
Below are the highlights from the release.
MoneyGuide updates
AI Summarize in Plan Notes
MoneyGuide’s Plan Notes feature has been used on more than 21,000 plans to capture insights and updates for each client. With the new AI Summarize feature, advisors can automatically condense all notes tied to a plan into a single summary. This update is designed to streamline meeting preparation and support continuity across client conversations, helping advisors quickly focus on what matters most heading into each meeting.
Asset allocation modernization
The Asset Allocation Plan has been redesigned to improve usability and calculation precision. Advisors can now support a broader range of planning scenarios, and run analyses at the client, household, or any related participant or entity level.
This added flexibility helps advisors adapt planning discussions as client situations evolve, without needing workarounds.
Benefits of Strategies
The new Benefits of Strategies feature in MoneyGuideElite helps advisors illustrate the value of recommendations beyond probability of success alone.
Advisors can compare key metrics such as end-of-plan assets, estimated federal taxes, Medicare premiums, Social Security benefits, and lifetime income gaps across tax planning, secure income, and Social Security strategies, all in one view.
Wealth Studios updates
Wealth Studios Snapshot
Advisors can now share Wealth Studios Snapshot directly with clients, helping keep them engaged and aligned between meetings.
New Strategies to support real‑world planning
Advisors regularly encounter client situations that don’t fit neatly into standard planning assumptions. This release adds new strategies designed to help model those real‑world scenarios more clearly and explain tradeoffs with confidence.
Real estate depreciation and recapture
Advisors can now model Section 1250 real estate assets using straight-line depreciation schedules and simulate how depreciation and unrecaptured gains are treated over time and at sale. This makes it easier to illustrate the tax impact of real estate decisions within broader planning conversations.
Delay RMD strategy
This new Investing Group strategy allows participants in workplace retirement plans to postpone their Required Minimum Distributions (RMDs) until they retire or a date of their choosing. It applies to 401(k), 403(b), 457, Money Purchase, and Profit-Sharing account types.
Schedule non-cash deductions
Advisors can now apply a tax deduction in a specific year without any actual cash outflow. You can choose from either Miscellaneous Above the Line or Miscellaneous Below the Line deductions.
Deferred compensation distribution strategy (NQDC)
This new strategy enables advisors to model changes to Non-Qualified Deferred Compensation (NQDC) distribution options and compare multiple scenarios side by side. This strategy makes it easier to illustrate and compare different NQDC payout options with clients.
Report enhancements
Wealth Studios now supports the same cover page options as goal plans, to help advisors maintain a consistent, professional look.
Trust and estate planning enhancements
Crummey Provisions in trusts
A new Crummey Provisions setting gives advisors control over how gift exclusions apply within a trust. When enabled, all remainder beneficiaries are assumed to hold Crummey powers, and gifts to the trust use the annual exclusion. When disabled, the annual exclusion does not apply. This setting is available for Generic Irrevocable, Intentionally Defective Grantor, and Irrevocable Life Insurance Trusts, and can be configured in the About You section, trust creation strategies, and the Change Trust Remainder Beneficiary strategy.
State QTIP option
This new option in the Tax Assumptions section gives advisors greater flexibility when funding a Credit Shelter Trust (CST) in states where the estate exclusion falls below the federal limit.
When enabled, the CST is funded up to the state exclusion, with the remainder directed to an additional trust – treated as a CST federally and a QTIP at the state level.
Legacy Studio Tax Details now include more information on State Death and Inheritance taxes, helping advisors to illustrate the impact of the marital exemption at first death and how those assets are treated for state tax purposes at second death.
Put planning at the center of every client relationship
This release builds on what advisors have always valued in MoneyGuide and Wealth Studios – intuitive design, goal-based planning, and real-time scenario modeling, while adding the depth and flexibility needed to handle increasingly complex client needs. The result is a platform that equips advisors to plan with greater precision, communicate with greater clarity, and deliver advice for every stage of a client’s financial life.
To see these updates in action, request a demo or give us a call at 1-800-841-5312.
