Libretto
Libretto is a paid, web-based total-wealth financial planning platform for registered investment advisers, financial advisors, and family offices.
What Libretto is
Libretto is a paid, web-based total-wealth financial planning platform for registered investment advisers, financial advisors, and family offices. Its interactive lifecycle planning tools connect a client’s goals and questions with personalized asset-allocation recommendations. Advisors can build portfolios around resources beyond investment accounts, including real estate, liabilities, private assets, Social Security, and human capital. Risk management tools help identify client-specific risks and consider hedges, reserves, insurance, and other strategies. Advisors can upload documents for AI-assisted data entry and strategy creation, including migrations from eMoney, MoneyGuidePro, or RightCapital. Libretto generates white-label reports and AI-enhanced client letters for follow-ups, quarterly reports, and annual reviews. Support includes an onboarding specialist, proactive assistance, and the Mert AI assistant. Learning resources include webinars, videos, slides, and a self-guided center. Pricing is available on request.
Good
- Connects goals to asset-allocation recommendations
- Accounts for real estate and liabilities
- AI-assisted document onboarding
- Generates white-label client materials
- Includes advisor support and learning resources
Watch out
- Paid pricing requires a request
- Web access only is listed
- Not intended for individual clients
Who it suits
It suits RIAs, financial advisors, and family offices planning across investments and broader household resources. It is intended for professional advisors rather than individual clients.
Verdict
Libretto brings lifecycle planning, total-wealth portfolios, risk management, and advisor communications into one web platform. Professional advisory firms should request pricing and assess whether its advisor-focused workflow fits their practice.
Plans and prices
From Libretto's own pricing page, checked 11 Oct 2001.
| Plan | Price | What it gives you |
|---|---|---|
| Libretto | Priced on request | Advisor-facing platform; schedule a demo for pricing |
The facts
Each one read from Libretto's own pages, with the date it was checked.
What it does
- Access
- The legal notice describes access to the site using a generally available web browser; the site provides no stated native desktop or mobile app platform details.checked 11 Oct 2001
- AI onboarding
- Advisors can upload client documents for AI-assisted data entry and strategy creation, including when migrating from eMoney, MoneyGuidePro, or RightCapital.checked 11 Oct 2001
- Client materials
- Libretto can generate white-label reports and AI-enhanced client letters for follow-ups, quarterly reports, and annual reviews.checked 11 Oct 2001
- Integrations
- Libretto says it syncs market data, balance sheet assets, liabilities, and other client information, but does not name specific integration partners on this page.checked 11 Oct 2001
- Learning resources
- The platform includes a self-guided learning center, webinars, expertise videos, and downloadable white-label slides.checked 11 Oct 2001
- Privacy
- Libretto says it does not sell user information and restricts access to employees and agents who help provide its services.checked 11 Oct 2001
- Product
- Libretto is a total wealth financial planning platform for RIAs, financial advisors, and family offices.checked 11 Oct 2001
- Regulatory status
- Libretto LLC says it is registered with the SEC as an investment adviser and provides advisory services to registered investment advisers and other professional advisors, not individual clients.checked 11 Oct 2001
- Risk management
- Advisors can identify client-specific risks and address them with hedges, reserves, insurance, and other strategies.checked 11 Oct 2001
- Security
- Libretto describes safeguards including cybersecurity risk assessments, multifactor authentication, least-privilege access, encryption, system monitoring, and incident response and recovery.checked 11 Oct 2001
- Support
- The Advisor Success Program includes a dedicated onboarding specialist, proactive support, and the Mert AI assistant.checked 11 Oct 2001
The company
- Headquarters
- Los Angeles, California, United Stateschecked 28 Sep 2001
Money
- Lifecycle planning
- Interactive planning tools connect clients’ life goals and questions to personalized asset allocation recommendations.checked 11 Oct 2001
Where it runs
- Total wealth portfolios
- The platform builds bespoke asset allocations around a client’s broader resources, including real estate, liabilities, private assets, Social Security, and human capital.checked 11 Oct 2001
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