Libretto
Libretto is an SEC-registered investment adviser that sells an AI-powered total wealth planning platform to RIAs and family offices, covering lifecycle planning, bespoke asset allocation, risk management, and AI-automated client onboarding.
- Company typePrivate
- Founded2017
- HeadquartersLos Angeles, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Libretto does
Libretto, operating as Libretto LLC, is an SEC-registered internet investment adviser that sells an AI-powered total wealth advice platform to registered investment advisers (RIAs) and family offices. Originally built to streamline advice delivery for ultra-affluent households, the platform has been scaled to serve advisors across client segments from smallest accounts to ultra-high-net-worth families. The solution unifies lifecycle planning (answering retirement, protection, and coverage questions), bespoke total-wealth portfolio construction that treats liquid investments as completion portfolios in the context of homes, mortgages, alternatives, private assets, social security, and human capital, and risk management beyond Monte Carlo simulations and risk questionnaires.
The platform's AI layer comprises three production capabilities: an AI-automated onboarding tool that ingests uploaded documents and migrates data from competing financial planning tools (eMoney, MoneyGuidePro, RightCapital); a context-aware AI assistant named Mert that retrieves from a 150+ article proprietary knowledge base; and generative AI that produces one-click personalized white-label client letters and reports. A self-guided learning center with downloadable white-label materials supports advisor professional development on liability-driven investing, factor-based portfolio construction, multigenerational investing, family mission, and legacy planning. The technology stack is delivered as enterprise SaaS, with no public mobile application or public API; integrations and the technical infrastructure remain undisclosed.
Libretto makes money through subscription-based SaaS contracts priced on a quote/demo basis to enterprise and mid-market RIA buyers, with billing on an annual cadence. Distribution combines direct enterprise sales (Schedule Demo call-to-action), channel partnerships including a 2025 OEM/whitelabel integration with Indivisible Partners on the Indivisible Wealth Platform, and thought-leadership marketing anchored at industry events such as the T3 Conference and earned media in publications including Kiplinger, ThinkAdvisor, Advisor Perspectives, Financial Planning Magazine, and BusinessWire. The company is privately held, founder-led by Jeff Coyle, headquartered at 6060 Center Drive (10th Floor), Los Angeles, California, and operates with a headcount of 1-10 employees.
Libretto firmographics
Firmographics- Name
- Libretto
- Legal name
- Libretto LLC
- Website
- https://libretto.io
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Libretto is an SEC-registered investment adviser that sells an AI-powered total wealth planning platform to RIAs and family offices, covering lifecycle planning, bespoke asset allocation, risk management, and AI-automated client onboarding.
- Ownership category
- akta.pro rank
Libretto industry classification
Industry- Product category
- Financial Planning Software
- NAICS
- Portfolio Management and Investment Advice (523940), Software Publishers (5132)
- SIC
- Investment Advice (6282), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Comprehensive Financial Planning (FSAEAAAA)
- akta.pro secondary industries
- Family Business & Succession Advisory (FSAAADAL), Estate & Legacy Planning Advisory (FSAEAAAG), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)
Keywords
Where Libretto is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Libretto business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D
Revenue model
- Software Subscription: SaaS platform subscription model providing access to Libretto's total wealth planning software for financial advisors and family offices. The platform is offered as a subscription with pricing based on usage or firm size, typical for advisor-facing software platforms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise/RIA Plans |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels6 records
Libretto product offering
Product offeringCore offering
Libretto provides an AI-powered total wealth advice SaaS platform that enables registered investment advisors and family offices to deliver sophisticated financial planning, bespoke asset allocation, and risk management across clients of all wealth levels. The platform unifies Lifecycle Planning, Total Wealth Portfolios, Risk Management, Personalized Client Deliverables, AI-Automated Client Onboarding, and the Mert AI Assistant into a single workspace. It is offered as a subscription product for RIAs and multi-family offices serving both ultra-high-net-worth and mass-affluent households.
Product overview
Libretto is a single, unified total wealth advice platform designed for financial advisors, RIAs, and family offices. The core Libretto Platform integrates multiple modules including Lifecycle Planning (for retirement and protection questions), Total Wealth Portfolio (for bespoke asset allocation), and Risk Management (for comprehensive risk identification). Additional AI-powered modules include AI-Automated Client Onboarding (for automated data entry from documents) and Mert (AI assistant for context-aware guidance). The platform also offers Personalized Client Deliverables for AI-generated reports and letters, plus Professional Development materials with white-label content. The platform is designed to scale sophisticated ultra-affluent advice for clients of all wealth levels.
Differentiator
Problem solved
Functional benefit
Products and services
- Libretto Platform Primary total wealth advice platform for financial advisors and family offices, providing integrated Lifecycle Planning, Total Wealth Portfolios, Risk Management, Personalized Client Deliverables, Professional Development white-label materials, AI-Automated Client Onboarding, and the Mert AI Assistant to deliver sophisticated financial advice at scale.
- AI-Automated Client Onboarding AI-powered onboarding module that ingests uploaded client documents and automatically populates client strategies, enabling efficient data migration from competing financial planning tools and rapid client and prospect onboarding.
- Mert AI Assistant AI assistant that provides context-aware guidance to financial advisors by accessing Libretto's proprietary knowledge base of 150+ articles, helping advisors review, refine, and communicate client strategies across their full client base.
Quantifiable outcome
- AI-automated onboarding reduces plan input time significantly
Companies that use Libretto
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles3 records
Libretto technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature7 records
Libretto partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Indivisible PartnerscoreLibretto was selected by Indivisible Partners to integrate its total wealth planning capabilities into the Indivisible Wealth Platform. Through this partnership, Indivisible's registered investment advisor platform provides advisors with integrated tools for delivering tailored financial advice to high-net-worth and ultra-high-net-worth clients. The collaboration extends Libretto's mission of scaling sophisticated wealth planning across RIAs of all sizes.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Libretto competitors and assessment
Company assessmentDirect peers
- MoneyGuidePro: Envestnet-owned financial planning software widely used by RIAs to deliver goals-based plans. Libretto explicitly migrates advisors from MoneyGuidePro, making it a head-to-head competitor in the RIA planning category.
- RightCapital: Cloud-based financial planning platform serving RIAs and fee-only advisors. Directly named by Libretto as a migration source, indicating overlapping customer profiles and product overlap in RIA-facing planning tools.
- Nitrogen (formerly Riskalyze): Risk-centric wealthtech platform for RIAs combining risk tolerance, planning, and proposals. Overlaps with Libretto's Risk Management and Lifecycle Planning modules for the same RIA buyer.
Broad incumbents
- eMoney Advisor: Empower-owned, long-standing leader in advisor financial planning software with broad enterprise distribution. Libretto explicitly targets advisors migrating away from eMoney, making it a direct incumbent competitor.
- Orion Advisor Technology: Large-scale advisor tech platform offering portfolio, planning, and CRM functionality across enterprise and mid-market RIAs. Competes broadly with Libretto across the advisor tech stack, though its planning offering is less specialized.
- Envestnet: Broad wealth-management platform encompassing Tamarac, MoneyGuidePro, and enterprise data/analytics. A scaled incumbent whose planning portfolio directly competes with Libretto for enterprise RIA contracts.
- Addepar: Wealth-management technology platform serving large RIAs, family offices, and private banks with portfolio and reporting capabilities. Overlaps with Libretto's ultra-affluent and family-office positioning.
- Black Diamond (Advent): Portfolio reporting and rebalancing platform for RIAs and family offices. Competes for the same buyer budget as Libretto within the advisor technology stack, particularly with family-office clients.
Emerging players
- Holistiplan: Tax-planning software widely adopted by RIAs as a complementary planning tool. Comparable as an emerging RIA-focused wealthtech with a specialized planning niche and similar SaaS economics.
- Income Lab: Specialized retirement income planning software for advisors. Comparable as a niche RIA planning tool focused on a specific use case that overlaps with Libretto's lifecycle and retirement planning modules.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Libretto social profiles
Digital presenceLibretto financial estimates
Financial estimateRevenue estimate
Valuation estimate
Libretto leadership team
Management profileNumber of profiles
Profiles1 record
Libretto funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Libretto 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 Libretto
What does Libretto do?
Libretto provides an AI-powered total wealth advice SaaS platform that enables registered investment advisors and family offices to deliver sophisticated financial planning, bespoke asset allocation, and risk management across clients of all wealth levels. The platform unifies Lifecycle Planning, Total Wealth Portfolios, Risk Management, Personalized Client Deliverables, AI-Automated Client Onboarding, and the Mert AI Assistant into a single workspace. It is offered as a subscription product for RIAs and multi-family offices serving both ultra-high-net-worth and mass-affluent households.
Is Libretto a public or private company?
Libretto is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Libretto founded?
Libretto was founded in 2017. It employs 1 to 10 people.
Where is Libretto based?
Libretto is headquartered in Los Angeles, United States, in the North America region.
How does Libretto make money?
One revenue line is on record: software Subscription.
Who are Libretto's main competitors?
Direct peers on record are MoneyGuidePro, RightCapital and Nitrogen (formerly Riskalyze). Broad incumbents are eMoney Advisor, Orion Advisor Technology, Envestnet, Addepar and Black Diamond (Advent). Emerging players are Holistiplan and Income Lab.
Does Libretto have an API?
No public API is recorded for Libretto.
What industry is Libretto in?
Libretto's product category is Financial Planning Software. Its primary akta.pro industry code is FSAEAAAA, Comprehensive Financial Planning, with a secondary code of FSAAADAL, Family Business & Succession Advisory. Its NAICS code is 523940 and its SIC code is 6282.