WealthTrace
- Company typePrivate
- Founded2011
- HeadquartersBoulder, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
WealthTrace firmographics
Firmographics- Name
- WealthTrace
- Legal name
- WealthTrace
- Website
- https://mywealthtrace.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
WealthTrace industry classification
Industry- Product category
- Retirement Planning Software
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)
- akta.pro secondary industry
- Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)
Keywords
Where WealthTrace is headquartered
LocationHeadquarters
- HQ city
- Boulder
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
WealthTrace business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- Individual Software Subscriptions (Standard & Deluxe): Annual subscription tiers for individual consumers providing access to retirement planning software. Standard ($229/year) includes core planning features, Monte Carlo analysis, email/live chat support. Deluxe ($289/year) adds priority support, historical investment data, Roth conversion scenarios, and asset allocation scenarios. Both include unlimited use.
- Advisor Software Subscriptions: Annual subscription for financial advisors with tiered pricing based on team size. Solo Advisor base is $1,049/year or $315/quarter. Add-ons include Yodlee integration ($395/year), third-party integrations ($295/year), custom logo ($130/year), and auto-populate from fact finder ($195/year). Team license adds $750/year per additional advisor.
- Expert One-on-One Support Sessions: Paid one-on-one video conference sessions with a CFA and WealthTrace founder to help users build plans, model complex scenarios, review Roth conversion results, and optimize conversions. Scheduled via Setmore platform at published rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard Individual Plan at $229/year |
| Subscription | Annual | Deluxe Individual Plan at $289/year |
| Subscription | Multi-year contract | Solo Advisor Plan starting at $1,049/year or $315/quarter |
| Subscription | Multi-year contract | Solo Advisor with Administrative Assistant at $1,500/year or $425/quarter |
| Subscription | Annual | Advisor Team License from $1,049/year for first advisor |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels9 records
WealthTrace product offering
Product offeringCore offering
WealthTrace sells cloud-based, web-accessible retirement and financial planning software on annual subscriptions to individual consumers and financial advisors. The platform imports each individual investment holding from linked accounts (via Yodlee/Plaid) to run Monte Carlo simulations, real-time what-if scenarios, Roth conversion optimization, and tax-aware projections covering federal/state taxes, RMDs, Social Security, and Medicare/IRMAA. An advisor tier adds a branded client portal, online fact finder, and team licensing, while expert one-on-one sessions with the CFA founder are sold as a paid add-on.
Product overview
WealthTrace is a comprehensive retirement planning and financial planning software platform delivered as a web-based SaaS application. The product portfolio consists of three subscription tiers: Individual Standard ($229/year) and Individual Deluxe ($289/year) for do-it-yourself consumers, and an Advisor version ($1,049/year or $315/quarter) for financial advisors and planners. The core WealthTrace platform integrates account linking via Yodlee and Plaid, Monte Carlo simulation analysis, what-if scenario modeling, Roth conversion optimization, tax-aware withdrawal strategies, and Social Security/M Medicare planning. Additionally, WealthTrace offers a suite of free standalone financial calculators (Dividend Calculator, 401(k) Calculator, Social Security Estimator, RMD Calculator, Inflation Calculator) that serve as lead-generation tools driving users to the core paid planning software. The platform is available on any device and browser, with no software installation required.
Differentiator
Problem solved
Functional benefit
Products and services
- WealthTrace Individual Standard Entry-level annual subscription ($229/year) of the WealthTrace retirement planning software for do-it-yourself individuals, including core planning features, Monte Carlo simulation, what-if scenarios, account linking via Yodlee, federal/state tax and Social Security modeling, and email/live chat support.
- WealthTrace Individual Deluxe Premium annual subscription ($289/year) of WealthTrace for individual consumers, including all Standard features plus priority support, historical investment performance data, Roth conversion scenarios, asset allocation scenarios, and bear market stress testing.
- WealthTrace Advisor Annual subscription ($1,049/year or $315/quarter) of WealthTrace for financial advisors and planners, featuring email and phone support, branded client portal, online fact finder, model portfolios, customized reports, Yodlee-based client account linking (add-on), and team licensing at $750/year per additional advisor.
Quantifiable outcome
- Cuts the time advisors spend building plans by more than half compared to traditional planning software
- +1 more outcomes
Companies that use WealthTrace
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
WealthTrace technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature8 records
WealthTrace partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Yodlee (Envestnet)coreYodlee provides account aggregation services enabling WealthTrace users to link and import investment accounts. Holdings and balances automatically update each night. Yodlee stores bank and brokerage credentials securely, not in WealthTrace's database. Yodlee integration is available as an add-on for advisor accounts at $395/year.
- KiplingerminorWealthTrace is featured in press coverage by Kiplinger, a prominent personal finance media outlet. Kiplinger coverage contributes to brand credibility and awareness among target consumer and advisor audiences.
Scale indicators2 records
Recent moves2 records
Expansion highlights5 records
WealthTrace competitors and assessment
Company assessmentBroad incumbents
- MoneyGuidePro: MoneyGuidePro is an established goal-based financial planning software used by financial advisors, now part of Envestnet. It overlaps directly with WealthTrace Advisor in retirement income planning, Monte Carlo analysis, and client-facing planning, though it serves a larger enterprise RIA segment.
- eMoney Advisor: eMoney Advisor is a leading advisor-focused financial planning platform owned by Fidelity, serving enterprise wealth management firms and RIAs with planning, client portal, and aggregation. It is a broad incumbent in the same advisor planning category as WealthTrace Advisor with substantially more scale and distribution.
- Empower Personal Dashboard: Empower (formerly Personal Capital) offers a free consumer retirement/wealth dashboard with aggregation, net worth tracking, and retirement planning tools, alongside an advisor service. It competes with WealthTrace Individual on the consumer aggregation and planning front but at free price point with a much larger user base.
- Orion Planning: Orion's planning tools (built on acquired Advizr and subsequently developed) provide goal-based financial planning for advisors integrated with Orion's wealthtech ecosystem. It competes with WealthTrace Advisor among RIAs who want planning alongside portfolio management and reporting in one stack.
Direct peers
- RightCapital: RightCapital is a financial planning platform targeted at financial advisors and their clients, offering goal-based planning, Monte Carlo analysis, tax planning, and account aggregation. It is the most direct competitor to WealthTrace Advisor given overlapping customer base (RIAs, CFPs), similar price point, and self-serve advisor onboarding.
- Boldin (formerly NewRetirement): Boldin is a do-it-yourself retirement planning software for individuals offering detailed projections, scenario modeling, and holistic planning. It is the closest peer to WealthTrace Individual given overlapping DIY consumer targeting, subscription pricing model, and feature set focused on retirement readiness.
Emerging players
- Holistiplan: Holistiplan is tax planning software for financial advisors that automates tax projection and Roth conversion analysis from client tax returns. It intersects with WealthTrace's Roth Conversion Optimizer and advisor tax-planning use cases, though it focuses specifically on tax planning rather than comprehensive retirement planning.
- Riskalyze (Creative Planning Retirement): Riskalyze, part of Creative Planning, offers risk tolerance and financial planning tools for advisors including retirement projections. It overlaps with WealthTrace on advisor-facing planning workflows though it is more differentiated on risk-alignment scoring.
Regional players
- ProjectionHub: ProjectionHub is a US-based business and personal financial planning software for entrepreneurs and individuals offering scenario-based projections. It is a partial competitor to WealthTrace Individual on DIY financial planning, though with a smaller footprint and lighter feature set.
Others
- Yodlee (Envestnet): Yodlee is a financial data aggregation platform owned by Envestnet and a core technology partner of WealthTrace powering its account-linking capabilities. It is included as an enabling/ecosystem participant rather than a direct competitor, but Yodlee's data infrastructure underpins the investment-level modeling WealthTrace markets as its key differentiator.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
WealthTrace social profiles
Digital presenceWealthTrace financial estimates
Financial estimateRevenue estimate
Valuation estimate
WealthTrace leadership team
Management profileNumber of profiles
Profiles2 records
WealthTrace funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WealthTrace M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WealthTrace
What does WealthTrace do?
WealthTrace sells cloud-based, web-accessible retirement and financial planning software on annual subscriptions to individual consumers and financial advisors. The platform imports each individual investment holding from linked accounts (via Yodlee/Plaid) to run Monte Carlo simulations, real-time what-if scenarios, Roth conversion optimization, and tax-aware projections covering federal/state taxes, RMDs, Social Security, and Medicare/IRMAA. An advisor tier adds a branded client portal, online fact finder, and team licensing, while expert one-on-one sessions with the CFA founder are sold as a paid add-on.
Is WealthTrace a public or private company?
WealthTrace is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was WealthTrace founded?
WealthTrace was founded in 2011. It employs 11 to 50 people.
Where is WealthTrace based?
WealthTrace is headquartered in Boulder, United States, in the North America region.
How does WealthTrace make money?
Three revenue lines are on record. Individual Software Subscriptions (Standard & Deluxe) is the primary driver. The others are advisor Software Subscriptions and expert One-on-One Support Sessions.
Who are WealthTrace's main competitors?
Broad incumbents on record are MoneyGuidePro, eMoney Advisor, Empower Personal Dashboard and Orion Planning. Direct peers are RightCapital and Boldin (formerly NewRetirement). Emerging players are Holistiplan and Riskalyze (Creative Planning Retirement). ProjectionHub is listed as a regional player. Yodlee (Envestnet) is listed as an others.
Does WealthTrace have an API?
No public API is recorded for WealthTrace.
What industry is WealthTrace in?
WealthTrace's product category is Retirement Planning Software. Its primary akta.pro industry code is FSAAAAAF, Financial Planning & Goals-Based Advice (Mass Affluent), with a secondary code of FSAAAAAJ, Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail). Its NAICS code is 523940 and its SIC code is 6282.