Features · The complete list

Everything you need to plan, deliver, and retain. In one platform.

Planning tools, lead-capture calculators, discovery, a real client portal, seminars mission control, meeting workflow, a compliant review engine, and an AI co-pilot. Built for the way modern RIAs actually work. Not bolted on after the fact.

14+
Specialty planning tools
28
Embeddable lead calculators
8
Discovery channels
1
Flat-fee platform
The side-by-side

AdvisorCal vs the planning incumbents.

Comparisons are based on each vendor’s publicly documented feature set as of mid-2026. If we got something wrong about your platform, tell us and we’ll fix the row.

CapabilityAdvisorCaleMoneyRightCapitalRetirement Analyzer
Planning core
Monte Carlo retirement planner
Roth conversion (IRMAA-aware)
Tax-efficient withdrawal sequencing
Multi-year tax projection
Federal benefits (FERS / TSP / FEHB)
Annuity income analyzer
Legacy / estate flow
Lead generation
Embeddable lead-capture calculators
White-label firm branding on lead surfaces
Lead-capture form per-field config
Lead nurture drip emails
Discovery & onboarding
Channel-agnostic discovery (8 channels)
AI 1040 PDF extraction
Annuity statement AI extract
CRM push (Wealthbox / Redtail)
Compliance review queue
Client portal & retention
Branded client portal per household
Token-gated (no login required)
Year-in-review story (Horizon)
Two-way in-app messaging
Perfect Days / lifestyle tracking
Past meeting notes + recording playback
Signal Engine
Granular client event tracking
Auto-synthesized meeting brief
Saved client scenarios feedback
Opportunities engine (Roth / IRMAA / QCD)
Firm-wide journey scoreboard
Meeting workflow
Google Calendar OAuth (real events + Meet links)
Microsoft Graph OAuth (Outlook + Teams)
Plan Pack composer (multi-tool PDF)
Per-section advisor callouts
AI co-pilot during the meeting
Seminars
QR-based attendee check-in
Live room map during the talk
In-talk slider engagement
Diarized transcript with speaker labels
Attendee-to-household promotion
Post-event drip campaigns
Marketing & reviews
SEC Marketing Rule testimonial engine
Compliance ack audit trail
Google Business Profile read-back
AI-drafted Google review replies
Embeddable review widget for marketing site
Recordkeeping CSV export (Rule 204-2)
AI & automation
Workspace co-pilot (context-aware)
Auto-plan from a household dump
1040 PDF reader
Sentiment classification on reviews
Compliance & recordkeeping
AES-256 encryption at rest
Immutable audit log
5-year retention by default
Bilingual delivery
FINRA registered-rep handling
● Full support◐ Partial / limited○ Not available
01 · Planning & Analysis

Every tool an advisor reaches for, in one workspace.

Built for the meeting, not the back office. Run the math while the client is in the room, then hand them the answer in a branded plan.

  • Retirement Planner

    Monte Carlo, scenario modeling, tax-aware withdrawal sequencing. The full-engagement planner.

  • Roth Conversion Pro

    IRMAA-aware multi-year conversion ladder with bracket and surtax projection.

  • Tax Projection Advisor

    Multi-year federal + state bracket projection, RMD-aware.

  • Tax-Efficient Withdrawals

    Lowest-cost withdrawal order across taxable, traditional, Roth, and HSA.

  • Tax Burden Analysis

    Lifetime federal tax on retirement assets under each strategy.

  • Backdoor Roth Advisor

    Pro-rata impact, mega backdoor, multi-year cadence.

  • QCD Optimizer

    Qualified Charitable Distributions for households 70½+.

  • Inherited IRA Optimizer

    10-year SECURE Act windows + sequencing.

  • Legacy Optimizer

    Estate flow, beneficiary tax exposure, generational tax order.

  • NUA Strategy Advisor

    Net Unrealized Appreciation analysis for employer stock.

  • Annuity Income Analyzer

    Income guarantees and accumulation modeling for SPIAs, MYGAs, FIAs, RILAs.

  • Housing Decision

    Buy, rent, downsize, reverse mortgage. Modeled side-by-side.

  • Federal Retirement Planner

    FERS pension, TSP, FEHB + Medicare coordination, federal benefit gap.

  • Tax AnalyzerUnique

    Upload a 1040 PDF. AI reads it and fills the household tax profile.

  • 28 lead-capture calculatorsUnique

    Embeddable on advisor websites with the firm’s branding. White-label leads land in the workspace.

What others don’t ship

Six places AdvisorCal isn’t comparable.

eMoney, RightCapital, Retirement Analyzer all do planning. They don’t do this.

01

A real client portal. No login, no app.

Every household gets a branded online home with the firm at /client/[token]. Token-gated for Rule 204-2 recordkeeping without forcing the client to remember a password. eMoney makes them log in. RightCapital makes them log in. We make it a link.

02

Discovery on every channel that already exists

Web, QR, paper, seminar table, 1040 upload, CRM import. Eight channels canonicalize to one household. Competitors hand you a single web form and tell you to send a link.

03

A Signal Engine that briefs you before the meeting

Every client click, scenario tweak, and question fires back to the advisor. The meeting-prep page synthesizes it into talking points. Nobody else does this.

04

Seminars as a first-class surface

QR check-in, live room map, diarized transcription, in-talk slider engagement, attendee-to-household promotion. RightCapital can’t run an event. eMoney can’t either. We can.

05

A compliant testimonial engine built into the platform

SEC Marketing Rule (Rule 206(4)-1) compliance baked into every review surface. Disclosures immutable, recordkeeping CSV, embeddable widget, Google review read-back, AI reply drafting. Nobody else ships any of this.

06

Embeddable lead-capture calculators

28 white-label calculators you drop on your marketing site as iframes. Branded with your color and logo, leads land in your AdvisorCal workspace. Competitors gate planning behind their portal.

02 · Discovery & Onboarding

Eight intake channels collapse into one engagement stage.

A web form, a paper sheet, a QR code at a seminar, a 1040 upload, a CRM import. All canonicalize to the same household profile and engagement stage. Zero re-keying.

  • Channel-agnostic intakeUnique

    Discovery via web, QR, paper, seminar table, CRM, AI extract, manual. Same outcome.

  • Discovery BundlesUnique

    One-click packaging of every discovery answer + tool run into a single document for compliance.

  • Engagement stage tracking

    Stage 0 → stage 4 across every channel; drives Journey scoreboard prioritization.

  • AI 1040 extractionUnique

    Drop a tax return; AdvisorCal reads income, deductions, schedule data.

  • Annuity intake extractionUnique

    Paste or upload an annuity statement; AI fills the analyzer inputs.

  • Compliance review workflow

    Optional designated reviewer signs off on discovery before the advisor sees it.

  • Auto-promotion to household

    Seminar attendee → household with profile pre-filled, idempotently.

  • CRM push-out

    Sync discovery + plan-pack outputs to Wealthbox, Redtail, Salesforce.

03 · Client portal & retention

The continuity layer competitors don’t ship.

Every household gets a persistent, branded online home with the firm. No login. No app to download. Just a link they can open between meetings.

  • Per-household client portalUnique

    Branded /client/[token] surface. Token-gated, no account required.

  • Horizon · year in reviewUnique

    Spotify-Wrapped-style story of the household’s plan, gains, and milestones.

  • Perfect Days trackerUnique

    Slider the client moves to log lifestyle moments. Signals tie back to the plan.

  • Plan view

    Read-only summary of the active Plan Pack. Updates the moment the advisor saves.

  • Tools section

    Subset of calculators the advisor whitelists for the client to explore.

  • Meetings + documents

    Upcoming meeting with join link; past meeting notes + recording playback.

  • Two-way messagingUnique

    Client portal compose drawer + advisor inbox. Persisted in household_messages, no mailto.

  • Token-gated portal accessUnique

    Compliant recordkeeping under Rule 204-2 without forcing the client to remember a password.

04 · Signal Engine

Walk into every meeting already briefed.

Every click, scenario tweak, question, and Perfect Day update fires back to the advisor’s Client Signals timeline. The meeting-prep page synthesizes it into a one-glance briefing.

  • Granular portal eventsUnique

    Section views, tool opens, document downloads, push replies. All timestamped.

  • Heartbeats + session trackingUnique

    How long they stayed, which pages, when they left.

  • Client questions inbox

    Anchored to specific plan sections so the advisor knows what to address.

  • Saved scenariosUnique

    What-if dial moves the client made between meetings. Surfaces patterns.

  • Meeting-prep briefingUnique

    Auto-synthesized "Talking points" panel for the upcoming meeting.

  • Numbers across touchpointsUnique

    Seminar slider readings + discovery amounts + tool runs + scenarios in one persona panel.

  • Journey scoreboard

    Firm-wide prioritization based on engagement + readiness signals.

  • Opportunities engine

    Detects Roth windows, IRMAA cliffs, QCD eligibility, backdoor gaps live.

05 · Meeting workflow

From scheduled to recapped, without leaving the workspace.

OAuth into Google Calendar or Outlook once. Every meeting after that is one click. Book it, send the invite with a Meet/Teams link, get a reminder, capture notes, attach the recording.

  • Google Calendar + Outlook OAuth

    Auto-creates real calendar events with Meet or Teams join links.

  • In-app schedule form

    Pre-fills attendee emails from the household; falls back to manual Zoom URL.

  • 24h + 1h reminders

    Idempotent cron-driven emails to the household before each meeting.

  • Recording playback

    Attach a Zoom or Loom URL; the portal renders it on the household’s past-meetings shelf.

  • Plan Pack composerUnique

    Bundle multiple tool outputs into one PDF for the meeting; snapshots-first workflow.

  • Advisor calloutsUnique

    Per-section advisor notes that ride the PDF + the portal, anchored by section slug.

  • Internal notes + @-mentions

    Workspace-only collaboration notes per household, never visible to the client.

  • Co-pilot during the meetingUnique

    Context-aware floating assistant that knows the household.

06 · Seminars

A purpose-built mission control for in-person events.

QR-based check-in, real-time room map, diarized transcription, slider exploration during talks, and seminar-attendee-to-household promotion in one click.

  • QR-based attendee check-inUnique

    Table-by-table seating maps render live as guests scan in.

  • Live room mapUnique

    See hot tables, cold tables, and partner attendees flagged together.

  • In-talk slider explorationUnique

    Attendees use sliders on their phones; advisor sees engagement live.

  • Diarized transcriptionUnique

    Speaker-labeled transcript via Deepgram (with Whisper fallback).

  • Audio markers + slide changesUnique

    Aligns the transcript to the deck for post-event review.

  • Drip campaign on completion

    Pre-built email sequences fire automatically after the event.

  • Pre-flight simulatorUnique

    Test the room setup with synthetic attendees before guests arrive.

  • Couples linkerUnique

    Detects partners attending together and links them on the household record.

07 · Marketing & reviews

A compliant testimonial engine wired to your Google profile.

The SEC’s 2022 Marketing Rule made testimonials legal. AdvisorCal makes them compliant by default. Disclosure baked into every surface, automated triggers, embeddable widget, and direct-to-Google replies.

  • SEC Marketing Rule complianceUnique

    The three required disclosures render with every review, immutably stored on each row.

  • Google + Platform routing

    Clients choose Google or the in-app modal. Or both.

  • Compliance acknowledgment auditUnique

    User + IP + timestamp captured before the master toggle can flip on.

  • Approval queue

    Reviews land pending; advisor approves before any public surface renders them.

  • Embeddable widgetUnique

    Drop an iframe on your marketing site. Disclosures already baked in.

  • Social card PNG exportUnique

    Per-review download with the disclosure burned into image pixels.

  • Recordkeeping CSVUnique

    One-click export satisfying SEC Rule 204-2 five-year retention.

  • Sentiment classificationUnique

    AI-tags positive / neutral / "needs attention" on submit.

  • Post-meeting triggersUnique

    Daily cron lights up the portal prompt 2 to 4 days after a finished meeting.

  • Google Business Profile syncUnique

    Reads Google reviews into the dashboard alongside platform reviews.

  • AI-drafted Google repliesUnique

    Claude drafts a reply tuned to the rating; advisor edits and posts to Google.

  • FINRA registered-rep handlingUnique

    Optional banner reminds B/D reps that principal pre-approval is required.

08 · AI co-pilot

Advisor-in-the-loop AI across every surface.

Never robo-advice. AdvisorCal’s AI is a research assistant, a tax reader, a draft-writer. Every output is yours to edit before it ships.

  • Workspace co-pilotUnique

    Floating, context-aware assistant that knows the household you’re looking at.

  • Auto-planUnique

    Dump everything you have on a household, get a draft Plan Pack back.

  • 1040 readerUnique

    PDF in, structured income + deductions out.

  • Annuity statement readerUnique

    Paste or upload a carrier statement; AI fills the analyzer.

  • Reply drafterUnique

    Suggests Google review replies, tone-scaled by rating.

  • Sentiment classifierUnique

    Tags incoming client reviews on submit.

  • Brief generatorUnique

    Synthesizes household state into a one-glance meeting brief.

09 · Compliance & recordkeeping

WORM-audited from the start.

Every advisor surface was built knowing the SEC examiner shows up eventually. Disclosures embedded, audit log immutable, encryption at rest, five-year retention by default.

  • AES-256-GCM encryption at rest

    OAuth tokens, household profiles, sensitive blobs. All encrypted with per-tenant DEKs.

  • Audit log

    Every advisor action stamped: who, when, what entity.

  • 5-year retention by default

    Soft-archive only on every advisor row. SEC Rule 204-2 compliant.

  • Bilingual deliveryUnique

    Emails + household pages render in English plus the household’s preferred language.

  • Compliance review queue

    Designated reviewer signs off on discovery + plan packs before the household sees them.

  • Recording disclosure signoff

    Per-state recording-consent disclosure approved by firm leadership before seminars roll.

  • Global + per-calculator disclosures

    Firm-wide default plus tool-specific overrides on every output.

  • Custom domain support

    White-label across every advisor surface for enterprise.

Ready to switch

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