My work in product is entirely influenced by my prior career as a financial planning professional. I know our clients want answers, not endless paperwork. And whether you’re in the trenches as a planner or guiding strategy from the home office, you know the difference true financial planning makes.

We all get it: when professionals deliver comprehensive plans, the payoff is huge. It’s not just about a little more revenue—it’s a gamechanger for your business and for the families you serve.

Data shows approximately 41 percent bump in revenue for advisors who incorporate planning into their practices.¹

But here’s the catch, and I know you feel it every time you open your planning software: if planning is so valuable, why does it so often get pushed to the back burner? It’s not because anyone is missing the memo.

The problem is, we’re all wrestling with two elephants in the room:

First, planning eats up a ridiculous amount of time. You tweak one variable, and suddenly you’re dealing with a web of ripple effects that spread across the entire plan. What looks like a simple adjustment quickly turns into an interconnected problem.

Second, even the best advisors hit walls outside their core expertise. The tax rules, estate planning nuances, insurance layers—it feels like you need the know-how of five specialists just to move the needle for one client. So, you end up stuck: too much time lost in the weeds, not enough confidence to tackle every scenario, and all the while, that “ideal” planning experience slips further out of reach.

These were the issues challenging me and the product team as we were making strategic decisions guiding our product roadmap. If time and expertise are the barrier, how do we breakthrough that barrier? How can we best enable scalable, intelligent planning across every type of client engagement?

CoPlanner: Faster Plans, More Possibilities

That question is exactly what got our team going when we built CoPlanner. Our north star was to deliver a solution that, with a single click at the top of your screen, would go to work for you: analyzing all your client’s data, running through countless “guess and check” scenarios, and ultimately generating a set of precise planning actions (aka a plan) in what is typically a sub-ten second load time.

What Kind of Technology Is CoPlanner?

CoPlanner is a system intelligence feature that empowers planners and advisors to deliver comprehensive plans quickly and efficiently. With CoPlanner, the financial professional is always leading. Even CoPlanner’s name hints at its position in your process: controllable assistive intelligence. It’s used to enhance your ability to help your clients make the best decisions. Leveraging a human-designed, rules-based engine technology alongside twenty-five years of experience and knowledge gained from working alongside financial professionals, we launched a Beta version last year to stress-test it in the field.

The test results speak for themselves: CoPlanner saves up to 48 percent of your time when building financial plans.

Financial Professionals Agree on CoPlanner

CoPlanner delivered impressive results after nearly a year of testing. Validation studies tested CoPlanner’s outputs versus human planner quality and results showed 76 percent of participants in one study judged its outputs to be closely aligned, similar to a planner, only minor refinements needed.²

Data also highlighted substantial efficiency gains and improved goal achievement:

• Time savings ranged from 27-48 percent, dramatically reducing planning workloads.
• CoPlanner users experienced 5-10 percent less goal sacrificing compared to non-CoPlanner users, achieving target probability of success scores with less compromising on client objectives.
• The feature ranks in the top 10 percent among nearly one hundred and fifty tracked features in Decision Center.

Breaking Time Constraints in Financial Planning

What once could take hours (if you even knew exactly what to do) now happens behind the scenes in under a minute. That’s the promise of CoPlanner’s intelligent technology: transforming what was once a lengthy process into something nearly instantaneous—and consistently.

But there’s more to the story. This isn’t just about making a planner’s or an advisor’s life easier. From the perspective of enterprise leadership, such as those managing a whole team of advisors, the problem is just as clear: they want planning to be at the core of every client relationship, but the sheer amount of time it takes, and expertise it requires, means it’s only possible for a fraction of their book of business.

And here’s a critical point—every hour spent in the weeds building a plan is an hour not spent on revenue-generating activities like prospecting or nurturing existing client relationships.

The Value of eMoney Intelligence

All this ties directly into what we internally call eMoney Intelligence, which is our approach to creating an integrated, more assistive financial planning ecosystem. CoPlanner stands as the flagship feature, streamlining tasks by transferring workload from advisors to technology.

The best part of all of this is that we are empowering professionals to focus on what matters most—building meaningful client relationships and driving growth—while technology takes care of the rest. It’s my hope that by harnessing these advances, we’ll unlock new possibilities for advisors and their clients, creating a brighter, more connected future for everyone.

Learn more about how CoPlanner can transform your practice here.

1 Value of Financial Planning Study, eMoney, November 2025, n= 1,617

2 CoPlanner Beta Internal Research, eMoney, 2025

DISCLAIMER: The eMoney Advisor Blog is meant as an educational and informative resource for financial professionals and individuals alike. It is not meant to be, and should not be taken as financial, legal, tax or other professional advice. Those seeking professional advice may do so by consulting with a professional advisor. eMoney Advisor will not be liable for any actions you may take based on the content of this blog.

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