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eMoney Updates Q4 2025

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This month’s updates highlight our continued commitment to delivering smarter, more streamlined experiences for you and your clients. From expanding the Needs Analysis suite with Annuity Income and Debt Paydown modules, to enhancing the clarity and impact of Plan Summary Reports, we’re focused on helping you deliver more personalized strategies and more meaningful conversations. With performance upgrades across 16 reports and improved integrations, these updates are designed to keep you connected, efficient, and ready for what’s next.

December Updates

November Updates

October Updates

Remind me of all recent updates from last quarter!

ADDED SEPTEMBER 16 | The One Big Beautiful Bill Act (2025 Budget Reconciliation Bill) introduces changes that could impact client strategies. We recommend bookmarking this post, as it will serve as your central hub for tracking how and when these updates go live in eMoney. You can listen to this short podcast episode about how eMoney has responded to the new tax legislation with Senior Financial Planning Consultant, Michelle Riiska (Posted August 12, 2025).

New Needs Analysis Topics: Annuity Income and Debt Paydown

Releases December 1

Enhance client conversations and deliver more personalized strategies with two brand-new Needs Analysis topics: Annuity Income and Debt Paydown. These additions expand the Needs Analysis suite to seven modules, giving you even more flexibility to engage with clients in meaningful ways. Other recently added reports include these four updated modules released in September 2025, along with the recently released Long-term Care.

Strengthen Retirement Confidence with Annuity Income

Help clients understand how secure their retirement income really is. The new Annuity Income module empowers you to:

  • Calculate how much of your client’s essential and discretionary expenses are covered by secure income sources like Social Security, pensions, and annuities
  • Identify gaps in guaranteed income coverage
  • Position annuity products or other solutions to help clients feel more confident about retirement

Guide Smarter Debt Strategies with Debt Paydown

For the first time, simplify complex debt decisions with clear comparisons. Use the new Debt Paydown module to:

  • Illustrate three payoff approaches: Avalanche (highest interest first), Snowball (smallest balance first), and Equally (even distribution)
  • Showcase total interest saved and time-to-debt freedom under each strategy
  • Empower clients with actionable insights to reduce financial stress

This marks the first time Needs Analysis includes a module focused on debt, bringing a brand-new capability to support smarter, stress-reducing financial decisions.

Please note, the classic version of Needs Analysis will be retired in the fourth quarter of 2026. Ahead of this change, please request a printable presentation for any reports you want to save for your records.

Deliver Clearer Insights: Plan Summary Report Enhancements

Releases December 1

Recent enhancements to the Plan Summary Report will enable you to deliver clearer insights and engage in more meaningful planning conversations. These updates, informed by advisor feedback, make it easier to organize and present goals, expenses, and liabilities, helping clients see the full picture of their financial plan.

What’s New:

  • New report title: The “Expense Summary” section is now “Goals,” reinforcing a planning-first approach.
  • Improved organization: Goals, expenses, and liabilities are presented clearly and concisely, highlighting progress and priorities.
  • New Annual Premium column: Adds annual premium details to the Insurance Summary tile for greater transparency.
  • New Liabilities Summary and Detail View: Introduces a Current Expenses and Liabilities Summary and Detailed View that can be added as a sub-report within the Plan Summary Report.
  • New Annual Expenses pie chart: Visualize expenses and liabilities in a clear, intuitive format for easier decision-making.

These refinements make the Plan Summary Report a stronger tool for delivering confidence and clarity, so every conversation feels more personalized and actionable.

Asset Class Summary Report Enhancements

Releases December 1

Provide a clearer, more modernized way to present and demonstrate the impact of your recommendations with the new Comparison Mode within the Asset Class Summary Report.

What’s New:

  • Comparison View Option: Easily compare scenarios or asset groupings—just like you can in the Asset Allocation report.
  • Dropdown for View Selection: Toggle between Asset Class and Asset Type views within the same report, to more easily compare the two.
  • Model Portfolio Comparison: Include model portfolios in your comparison options.
  • Vertical Layout for Asset Classes: Asset classes are displayed to better fit all information onto one page.

These enhancements make it easier to deliver tailored, professional presentations—no matter how complex your client’s portfolio may be.

Report Improvements

Releases December 1

As we continue to look to the future of your eMoney experience, we’ve made changes to 16 reports to improve performance and styling and enhance chart interactivity.

Most Visible Differences

  • The Monte Carlo Asset Spread report has undergone a significant overhaul. You’ll notice:
    • This report now follows the same layout pattern as all other reports
    • It now shows the Total Portfolio Assets chart and the Total Assets chart one at a time
    • The “Summary” table has been replaced with metric cards indicating the same information
    • A new YoY data table
  • The Monte Carlo Summary report now uses a gauge chart to represent Probability of Success instead of a donut chart

Example: Monte Carlo Summary report

Before:

After:

List of Reports Enhanced by Report Family

  • Life Insurance:
    • Gap Analysis for Decision Center
    • Life Insurance Summary
  • Progress:
    • Progress
  • Monte Carlo:
    • Monte Carlo Asset Spread
    • Longevity Risk
    • Monte Carlo Summary
  • Income Tax:
    • Total Taxes
    • Tax Bracket
  • Balance Sheet
    • Balance Sheet at Death
  • Cash Flow
    • Cash Flow Expenses
    • Cash Flow Other Income
    • 5-Year Cash Flow
    • Insurance Premiums
  • Investments
    • Account Summary
    • Holdings Details
    • Holdings Gain/Loss

Integration Update: FP Alpha

Releases December 1

In our ongoing effort to expand our integrations and make it as simple as possible to learn more about them, a new FP Alpha tile along with a designated support page, has been added to the Integrations page.

Please note that the functionalities are set up within the integration partner.

More About FP Alpha and Why We Chose to Integrate

This integration enables advisors to seamlessly access eMoney client data within FP Alpha, streamlining workflows and unlocking advanced planning insights in minutes.

eMoney integrated with FP Alpha in response to strong advisor demand. FP Alpha is recognized as a top innovator for tax and estate planning, offering AI-powered tools that help advisors deliver deeper, more scalable advice.

eMoney users of this integration can…

  • Export eMoney clients and their data into FP Alpha, including:
    • Personal information: Key client details, including all associated family members
    • Assets: A full inventory of client holdings, which includes:
      • Real estate
      • Business interests
      • Brokerage accounts
      • Retirement accounts (e.g., 401(k), IRAs)
      • Life insurance accounts
      • College savings accounts (e.g., 529 plans)
    • Liabilities: All associated client debts and liabilities
  • Utilize eMoney client data to immediately leverage FP Alpha’s full suite of tools to analyze a client’s current situation and begin working on estate planning strategies, all without any upfront data entry.

Are you an FP Alpha user? Join them on December 4th at 1 p.m. ET, for a brief webinar that reveals:

  • How this simple and efficient integration can help advisors immediately
  • Where you can save time, boost AUM, and strengthen client loyalty
  • How to quickly navigate to powerful tax, estate and insurance insights

HOLIDAY BONUS: All attendees will receive FP Alpha’s agentic AI Checklist—a must-have guide for selecting trustworthy AI in planning.

Fidelity Bond Beacon® Integration

Releases December 2

With Fidelity Bond Beacon®, now accessible through single sign-on from eMoney, you can seamlessly integrate fixed income strategies into personalized financial plans, helping you deliver better outcomes and strengthen client trust.

How It Works

  1. Confirm Fidelity Investments integration – If not already enabled, you’ll see a banner prompting you to activate the Fidelity Investments integration first.
  2. Enable the Fidelity Bond Beacon® integration – Navigate to the Integrations page and select the Fidelity Bond Beacon tile.
  3. Turn on and connect – Click Turn On and then Connect. Review the disclaimer and continue.
  4. Launch Fidelity Bond Beacon® – After enabling, access Bond Beacon® via the Launch Integration button or from the integrations drop-down in the navigation bar.
  5. Start Planning – Use Bond Beacon® tools to model and execute bond strategies effectively.

With this integration, you can confidently incorporate fixed income strategies into holistic plans, strengthening client trust and improving outcomes.

Smarter, Faster Chat Support

Releases November 19

Receive faster and more efficient support for routine tasks with our improved automated chatbot workflows, available for self-service 24/7.

What’s Improving:

The Client Support Chatbot—triggered via the existing client support chats and the support link in your footer—now supports the following four key areas of automatic service:

1. Client Connections

  • Add a new client connection
  • Link accounts

2. Advisor Connections

  • Add a new advisor connection
  • Link accounts

3. Advanced Planning

  • Create a new plan
  • Add planning techniques

4. Account Management

  • Move clients—email case created
  • Update contact info—email case created
  • Duplicate clients:
    • If fewer than 5, you’ll be routed to a live agent
    • If more than 5, an email case will be created

For all other issues, you’ll be routed to a live agent, or an email case may be created. We look forward to continuing to improve your experience so you can get back to what matters most, helping your clients plan for every possibility.

(Coming Soon) New Adaptive Multi-factor Authentication

Releases Early 2026

As part of our commitment to delivering best-in-class digital experiences, eMoney is modernizing our platform and strengthening our security program in collaboration with Okta, a trusted partner and industry leader in identity management.

To further strengthen protection, eMoney is enabling Okta Adaptive Multi-factor Authentication for all users who login directly, adding an additional layer of security that safeguards confidentiality, integrity, and availability of client information while providing seamless, user-friendly access. 

What’s Coming

  • Minor Design Updates: Users signing in with a username and password may notice some subtle changes, including new multi-factor authentication (MFA) requirements and slight design updates. Users who single sign-on (SSO) into eMoney will not experience anything different, as they bypass the login screen.

  • Initial 2nd Factor Prompt: Regardless of the Adaptive MFA level, all users who login directly will be prompted to reauthenticate themselves via this updated flow and provide a second factor at initial login. This may involve entering in a unique code emailed from Okta after entering in your password. Once signed in, you most likely won’t be prompted again.

  • Phone Number Request: You may be prompted to provide a phone number as a 2nd factor login method.

  • Improved Risk Mitigation: If you’re signing in from an unrecognized location, you may be prompted to provide a 2nd factor when logging in.

  • Retiring RSA One-time Access Code: Due to low use and our move towards enhanced security standards, we are retiring the ability for users to log in using a one-time access code in the event a text message or phone call verification wasn’t successful. 

Note: If you and your clients directly sign into eMoney, you may see a login message over the coming weeks about this.

Protecting your and your clients’ data remains our top priority. For any questions, feel free contact us at 888-362-8482 or email customerservice@emoneyadvisor.com.

Aggregation Update: More Connections, More Confidence

Your clients count on you for clarity—and that starts with complete, accurate data. So far this year, we made big strides to help you deliver just that. Catch the highlights below:

  • Broader coverage: We’ve added 326 new sources year-to-date, so you can see the full picture of your clients’ finances, including:
    • Chime
    • My529
    • Coinbase Prime

  • Improved reliability: Completed over 40 upgrades to existing connections, including major institutions like Bank of America, to keep data flowing smoothly.

  • Scale you can count on: Aggregating from 12,000+ institutions and powering insights for 50M+ accounts.

  • Security at the core: Every enhancement is backed by our unwavering commitment to data privacy and protection.

  • Trusted by advisors: For the fifth year running, eMoney is the #1 rated aggregation service among advisor users.

These improvements mean less time troubleshooting and more time focusing on what matters: helping clients reach their goals. And we’re just getting started.

New Needs Analysis Topic: Long-term Care and the Ability to Share to the Client Portal

Releases October 23

Support Meaningful Conversations Around Long-term Care.

Now you can easily show clients how future care needs could affect them financially with the new Long Term Care topic in Needs Analysis. Once the analysis is complete, you can share it to the Client Portal, so clients can revisit the conversation when they’re ready for deeper planning.

This new topic empowers you to:

  • Evaluate long-term care needs for your client and their spouse
  • Estimate the total projected cost of a long-term care event
  • Determine the year assets will run out without long-term care insurance
  • Identify the additional insurance amount needed to close the coverage gap

Long-term care is a growing concern for aging clients and a major risk to retirement security. With the latest release, you now have simple, clear tools at your fingertips to confidently bring this topic into client conversations.

How to Share a Completed Needs Analysis Module to the Client Portal:

  1. Once the analysis is complete, close the module and return to the topic selection screen.
  2. Next, click the Actions dropdown menu and select Share to Client Portal.
  3. Once shared, your client will be able to access the shared Needs Analysis from their My Plan page at any time.

Please note, the classic version of Needs Analysis will be retired in the fourth quarter of 2026. Ahead of this change, please request a printable presentation for any reports you want to save for your records.

Life Insurance Policy Scheduler

Releases October 23

Reduce time and avoid manual entry errors by uploading life insurance schedule policy data via a .csv file in Advanced Facts when using a Basic Policy Illustration type.

Once uploaded, this data will automatically populate the life insurance schedule, saving up to 30 minutes per policy entry or more!

Where can I find this?

Click into the Schedule tab of the Life Insurance page for a select client, selecting From Basic Policy Illustration schedule type from the drop-down selection. You’ll see a Choose File upload button as seen below:

Important Notes

  • The uploaded file must be in .csv format (comma-separated values).
  • Column headers for the five columns within the .csv file must exactly match the name, and column headers should be unique (as seen below).
  • The “Upload Guide” button will provide you with a user manual page outlining more details and functionality.

Integration Updates: Zocks and YCharts

Releases October 23

In our ongoing effort to expand our integrations and make it as simple as possible to learn more about integrations, Zocks and YCharts tiles and support pages have been added to the Integrations page.

Please note that the functionalities are set up within the integration partner.

More about Zocks and why we chose to integrate:

Zocks is an AI meeting assistant for financial advisors that automates meeting notes, intake forms, client emails, and more. Integrations with Zocks and other AI assistants enable advisors to work more efficiently and better serve their clients.

eMoney users of this integration can…

  • Sync clients between Zocks and eMoney.
  • Publish data captured from a Zocks meeting to populate/update Facts and related field-level data in eMoney. Zocks will display existing data from eMoney and compare it to data captured from advisor conversations with clients, and let the advisor pick and choose what data to push to eMoney.
  • Query eMoney data to utilize in Zocks’ automated meeting prep, ‘Ask Anything’, and Email Reply Agents.

If you’re interested in learning more about how Zocks and eMoney integrate, join their webinar on Wednesday, December 10th at 2:00 p.m. ET!

More about YCharts and why we chose to integrate:

YCharts is an investment research and client engagement platform that helps advisors make data-driven decisions and improve client relationships. It offers intuitive tools for investment analysis, risk profiling, and proposal creation, with AI-powered features and integrations that streamline workflows.

The integration with eMoney was driven by user demand, enhancing the platform’s capabilities in investment data and economic analysis. Advisors can now easily import client holdings from eMoney into YCharts to conduct research, run analytics, and deliver personalized recommendations more efficiently.

eMoney users of this integration can…

  • Quickly access eMoney data through YCharts to analyze portfolios or build client-ready materials without disrupting their workflow.
  • Export client portfolios from eMoney into YCharts to build proposals, generate reports, and create compelling visuals, streamlining meeting prep by eliminating manual data gathering.
  • Bring eMoney portfolios into YCharts to run side-by-side comparisons, analyze holdings in Fundamental Charts and Comp Tables, evaluate asset allocation, and explore performance, risk, and exposure metrics.

An Easier Way to Register for Workshops and Live Webinars

Releases October 1

Save time planning your training calendar by enrolling in upcoming workshops through the new scrolling banner. You can also access featured live webinars quickly using flip cards on the right side of your Learning Center homepage.

Access The Learning Center by clicking Training from the top right-hand side of your navigation bar anywhere within the eMoney experience.

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