{"id":12826,"date":"2026-03-27T08:00:29","date_gmt":"2026-03-27T08:00:29","guid":{"rendered":"https:\/\/emoneyadvisor.com\/blog\/?post_type=thought_leadership&p=12826"},"modified":"2026-03-26T21:10:25","modified_gmt":"2026-03-26T21:10:25","slug":"enhancing-financial-planning-with-intelligent-innovation","status":"publish","type":"thought_leadership","link":"https:\/\/emoneyadvisor.com\/blog\/enhancing-financial-planning-with-intelligent-innovation\/","title":{"rendered":"Enhancing Financial Planning with Intelligent Innovation"},"content":{"rendered":"

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.<\/p>\n

We all get it: when professionals deliver comprehensive plans, the payoff is huge. It\u2019s not just about a little more revenue\u2014it\u2019s a gamechanger for your business and for the families you serve.<\/p>\n

Data shows approximately 41 percent bump in revenue for advisors who incorporate planning into their practices.<\/strong>1<\/sup><\/p>\n

But here\u2019s 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\u2019s not because anyone is missing the memo.<\/p>\n

The problem is, we\u2019re all wrestling with two elephants in the room:<\/p>\n

First, planning eats up a ridiculous amount of time.<\/strong> You tweak one variable, and suddenly you\u2019re 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.<\/p>\n

Second, even the best advisors hit walls outside their core expertise.<\/strong> The tax rules, estate planning nuances, insurance layers\u2014it 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 \u201cideal\u201d planning experience slips further out of reach.<\/p>\n

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?<\/strong><\/p>\n

CoPlanner: Faster Plans, More Possibilities<\/h1>\n

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\u2019s data, running through countless \u201cguess and check\u201d scenarios, and ultimately generating a set of precise planning actions (aka a plan) in what is typically a sub-ten second load time.<\/p>\n

What Kind of Technology Is CoPlanner?<\/h2>\n

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\u2019s name hints at its position in your process: controllable assistive intelligence. It\u2019s 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.<\/p>\n

The test results speak for themselves: CoPlanner saves up to 48 percent of your time when building financial plans.<\/strong><\/p>\n

Financial Professionals Agree on CoPlanner<\/h2>\n

CoPlanner delivered impressive results after nearly a year of testing.\u00a0Validation 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<\/sup><\/p>\n

Data also highlighted substantial efficiency gains and improved goal achievement:<\/p>\n