Envestnet announced the launch of Dash, a new proprietary solution within its MoneyGuide financial planning platform designed to simplify the early stages of financial planning and help advisors engage prospective clients with minimal upfront data collection. The tool is part of Envestnet’s first quarterly technology update of 2026 and is intended to bridge the gap between quick financial calculators and comprehensive planning tools.
Dash is designed as a prospecting and early-stage planning solution that allows advisors to begin meaningful planning discussions with prospective clients or underserved households without requiring a full financial profile at the outset. The platform collects five essential data points to generate an initial snapshot of a client’s financial situation, including names and ages, employment income, personalized goals, investable assets, and contribution details, and a basic household risk score.
According to Envestnet, Dash aims to address two major barriers to financial planning adoption: limited advisor capacity and consumers’ hesitation to begin the planning process. By reducing the upfront data required while still delivering personalized insights, the tool enables advisors to connect with prospects earlier in the client journey and expand planning services to smaller or previously underadvised clients.
Dash can also be embedded directly into advisory firms’ websites, enabling visitors to create a basic financial plan in minutes. The system is designed to help advisors convert online engagement into planning relationships while providing prospects with a clear understanding of how professional advice can help them achieve their financial goals.
The interface incorporates a variety of user-friendly features designed to encourage engagement and guide users through the planning process. These include smart default values for retirement assumptions such as longevity, Social Security income, retirement age, and common financial goals like healthcare, travel, and discretionary spending. Users can personalize these assumptions to better reflect their circumstances.
The platform also includes interactive guidance elements such as visual cues, on-screen prompts, and real-time feedback designed to educate prospects and encourage further engagement with advisors. An insights panel highlights relevant planning topics, including long-term care planning, Social Security timing decisions, and digital account opening options.
As users input information, dynamic progress indicators update in real time to help maintain engagement and demonstrate progress toward building a preliminary plan. Once prospects transition to a full advisory relationship, the data collected through Dash can be seamlessly transferred into a complete MoneyGuide financial plan without requiring advisors to re-enter information.
Dash is also designed to integrate with customer relationship management systems, allowing advisors to connect prospects, households, and advisors through unique identifiers and streamline the transition from self-directed planning to advisor-led planning workflows.
Alongside the Dash launch, Envestnet also introduced several enhancements to MoneyGuide designed to improve retirement income modeling and ensure compliance with evolving tax and retirement regulations.
One new feature allows retirement income to be included as a separate funding source within annual combined financial plan details, incorporating income streams such as Social Security, retirement income distributions, and strategy-based income sources.
MoneyGuide also added support for Roth catch-up contribution requirements introduced under the SECURE 2.0 Act of 2022. Advisors can now input prior-year wages for accounts such as 401(k), 403(b), and 457 plans. For individuals aged 50 or older with prior-year wages exceeding $150,000, catch-up contributions must be made into Roth accounts, while business owners are exempt from the rule.
Another enhancement allows advisors to specify automatic annual increases in employee contribution percentages for employer-sponsored retirement plans such as 401(k), 403(b), 457, SARSEP IRA, and SIMPLE IRA accounts. Advisors can also set maximum contribution caps, enabling the system to automatically raise contribution percentages annually until the cap is reached.
Envestnet said these updates are designed to ensure financial plans remain aligned with current legislation, including contribution limits, tax rates, and Social Security factors, through annual platform updates.
In addition, the company highlighted several enhancements introduced in late 2025 through its fourth-quarter technology update. These included expanded support for Roth catch-up contribution rules, updated federal tax modeling that reflects new deductions for seniors and temporary changes to state and local tax deduction limits, and enhanced modeling capabilities for state-level taxation of Social Security benefits, pension income, and qualified withdrawals.
The platform also introduced a new Tax Planning Premiums View designed to illustrate how retirement income strategies may influence Medicare premiums and potential IRMAA surcharges in future years, helping advisors better demonstrate the long-term consequences of taxable income decisions.
Further updates expanded estate and legacy planning capabilities within MoneyGuide and Wealth Studios, including improved modeling of estate taxes at first death, more accurate probate treatment, enhanced annual gift tracking, and improved visibility into trust growth and beneficiary outcomes.
Wealth Studios also introduced new capabilities for modeling trust principal distribution strategies, entity-level asset and business sale scenarios, and more flexible interactions between trusts, businesses, and individual financial plans. These enhancements are intended to provide advisors with more realistic modeling tools for complex, multi-entity wealth planning strategies used by affluent families.
Additional improvements to cash-flow and balance-sheet modeling now support multiple funding sources for individual expenses and provide clearer ownership-level summaries. Updated usability features such as enhanced five-year cash-flow views and streamlined reporting tools were also introduced to help advisors present complex plans more clearly in client meetings and reports.
Envestnet said it plans to continue expanding Dash’s guided planning capabilities across the broader MoneyGuide platform as part of its ongoing efforts to improve the digital financial planning experience.
KEY QUOTES:
“Dash is the latest innovative solution we have developed to simplify the financial planning process through intuitive data entry, creating a minimal but meaningful approach for advisors to begin planning discussions with prospects – and quickly convert their interest into planning relationships. We are giving advisors the opportunity to turn their websites into their own prospecting engines, allowing site visitors to create basic financial plans in minutes and showing visitors how advisors can help them reach their goals. Additionally, Dash allows advisors to efficiently offer planning services to under advised or smaller clients, making it easier for these clients to connect and access guidance previously unavailable to them.”
Matt Wilson, Head Of Business Strategy At Envestnet | MoneyGuide
“We consistently invest in our best-in-class technology to help advisors not only improve their financial planning capabilities, but also optimize outcomes for clients and grow their practices at scale. Going forward into the next year and beyond, we will continue to evolve MoneyGuide’s planning configurations to reflect regulatory changes and help advisors make informed decisions for their clients.”
Chris Todd, Chief Executive Officer Of Envestnet
