If you want retirement planning with multiple account types and client-friendly visuals, the “best” choice usually depends on whether you’re an advisor, a planner, or a DIY user. But for most professional use cases, these are the top options:

Best overall for comprehensive retirement planning

MoneyGuidePro

• Excellent for retirement planning
• Handles multiple account types well
• Strong goal-based planning and scenario analysis
• Very client-friendly visuals and easy-to-understand output
• Widely used by financial advisors

Best for visual appeal and client presentations

eMoney Advisor

• One of the best for interactive client visuals
• Strong retirement and cash-flow planning
• Integrates many account types and outside data
• Good for ongoing client collaboration and dashboards
• Often preferred if presentation quality matters a lot

Best for advanced planning and flexibility

RightCapital

• Very strong for retirement projections
• Handles taxable, tax-deferred, Roth, brokerage, and other accounts
• Clean, modern interface
• Easier to learn than some more complex enterprise tools
• Great balance of power + usability

Best for deep technical planning

NaviPlan

• More robust for complex cases
• Strong tax-aware retirement modeling
• Good for advisors who need detailed assumptions and planning precision
• Visuals are solid, but the interface is often considered less intuitive than eMoney or RightCapital

Best for DIY / individual planning

Boldin (formerly NewRetirement)

• Good if you’re not a professional advisor
• Supports many account types
• Clear retirement planning visuals and what-if scenarios
• More affordable than advisor-focused platforms

Quick recommendation

• Best visuals + client experience: eMoney Advisor
• Best all-around for advisors: MoneyGuidePro
• Best modern balance of usability and power: RightCapital
• Best for complex technical plans: NaviPlan

If you tell me whether you’re an advisor vs. individual, plus your budget and whether you need tax planning, Monte Carlo, or household-level reporting, I can narrow it to the best 1–2 choices.