Prompt
Are there any financial planning platforms that handle inputs from retirement, taxable, and outside accounts?
Latest observation
Yes — several financial planning platforms can aggregate and model retirement accounts, taxable brokerage accounts, and outside accounts (like bank accounts, HSAs, 529s, loans, and even held-away assets).
Here are some common categories and examples:
1. Consumer financial planning / aggregation tools
These are good for personal use and often sync many account types:
- Empower Personal Dashboard (formerly Personal Capital)
- Quicken Simplifi
- Monarch Money
- Copilot Money (more budgeting-focused, but can link many accounts)
- Tiller (spreadsheet-based, for people who want customization)
2. More advanced retirement / planning tools
These often support scenario planning across account types:
- ProjectionLab
- NewRetirement
- Boldin (formerly NewRetirement; depending on the product tier)
- RightCapital (often used by advisors, but some consumer access exists through advisors)
3. Advisor / professional-grade planning platforms
These are typically used by financial advisors, but some clients can access them through an advisor:
- eMoney Advisor
- MoneyGuidePro
- RightCapital
- FP Alpha (more of a planning/analysis add-on)
What they usually can handle
Most of these can model:
- 401(k), 403(b), IRAs, Roth IRAs
- Taxable brokerage accounts
- Checking/savings
- HSAs and 529s
- Debt
- Social Security and pensions
- Manual “outside” accounts that don’t sync automatically
A few things to check before choosing
Look for whether the platform supports:
- Held-away account linking via Plaid/Aggregation
- Manual entry for assets that won’t connect
- Tax-aware projections for taxable vs. retirement withdrawals
- Roth conversion and withdrawal sequencing modeling
- Estate planning / legacy modeling if relevant
If you want, I can also give you:
- a comparison table of the best options, or
- recommendations based on whether you want budgeting, retirement planning, or advisor-grade planning.
Observation history
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How did Obsurfable measure this prompt?
Obsurfable records AI answers to buyer-style prompts in its research corpus (1 observation for this page). Metrics are distributions over observations, not a single static ranking.
Which AI systems does Obsurfable collect answers from?
OpenAI, ChatGPT, Google, Gemini, Google AI Mode, Anthropic, Claude, Perplexity, Grok, DeepSeek, Mistral, Copilot, and Meta AI.