Goals-Based Financial Planning Software That Builds the First Draft for You

For most advisors, the real limit on growth isn't finding clients. It's the hours it takes to build a proper plan for each one.

Retirement, education, emergency savings, debt, insurance, estate documents: every client needs the same foundations covered, and setting them up by hand takes time you'd rather spend advising.

Wealthstack builds that foundation automatically, then leaves the judgement to you.

What does Wealthstack create automatically?

When a client completes the onboarding questionnaire, Wealthstack uses their answers to create a first set of goals. These are grouped into two areas: wealth creation and wealth protection.

Always created:

• A retirement plan
• An emergency fund goal
• Wills and powers of attorney for each spouse

Created when the client's situation calls for it:

• An education goal for families with children
• A home deposit goal if the client doesn't own a home
• Debt goals, such as a mortgage, using the amounts captured during onboarding
• Critical illness goals for each spouse under 75
• Life insurance goals for each spouse where there are dependants
• Disability income protection goals for anyone under 65 and still working

Each goal shows its target amount, and you can drill into the calculation behind it.

Why do most goals start at zero?

Because the plan comes before the products. A new dashboard shows what each goal requires, but progress stays at zero until you allocate accounts or policies to it.

That makes the gaps visible immediately, which is a useful starting point for your first real planning conversation.

Adding the goals that make each client different

The automatic goals cover the foundations. Every client has plans of their own too.

From the goals tab, you can create additional goals, such as a home deposit or a general investment goal for anything else the family is working towards. Enter the target amount and the date, say $100,000 by 2030, and Wealthstack calculates how much the client needs to save to get there.

When you disagree with the calculation

Wealthstack's calculations are a starting point, not the final word.

If you don't agree with the numbers on any goal, you can switch to a custom calculation, enter your own goal amount, and add notes explaining your reasoning. You can also attach a supporting spreadsheet or Word document. The same applies to insurance goals.

Planning for couples

When you create a goal for one spouse, you can share it so the other can see it on their own dashboard. That keeps both partners looking at the same plan.

All of these goals feed the client's WealthScore, the single percentage that shows their overall progress.