JourneyGuide
JourneyGuide AnalytiX is a US-based fintech that provides interactive retirement planning software to financial advisors, using proprietary Monte Carlo simulations, Social Security optimization, and 150+ annuity product integrations distributed through broker-dealer channels.
- Company typePrivate
- Founded2015
- HeadquartersFort Wayne, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What JourneyGuide does
JourneyGuide AnalytiX, Inc. is a privately held US fintech that builds interactive retirement planning software for financial advisors. Founded in 2015 and headquartered in Fort Wayne, Indiana, the company operates with a team of 1-10 employees and is led by co-founders Michael Smith (President), Jeff Rocke (Chief R&D Officer), and Travis Little (Chief Technology Officer). The product was developed from research validating the combined role of annuities and investments in addressing longevity risk and sequence-of-returns risk in retirement, evolving from an Excel-based prototype into a web-based platform.
The core platform runs proprietary algorithms that execute 5,000 Monte Carlo simulations per analysis on Microsoft Azure infrastructure (ISO 27001 certified, US-based data centers). It integrates current pricing for 150+ annuity products alongside portfolio allocations, Social Security optimization, Reg BI compliance analysis, sequence-of-returns risk management, longevity risk modeling, and what-if stress testing (long-term care, early death, early employment, stock market losses). A secondary Retirement Readiness Calculator product serves as a lead generation tool with advisor-branded URLs for social media, email, and website deployment.
JourneyGuide generates revenue through subscription software licenses across three tiers: an Independent Advisor tier at $99/month, an Enterprise tier for broker-dealers/FMOs/IMOs with volume-based custom pricing, and an Insurance Carrier tier offering carrier-specific marketing, wholesaler training, and product optimization services. Distribution occurs via direct sales and channel partnerships with broker-dealers including Cambridge, Kestra, CFD Investments, GVC, IFG, JW Cole, Mutual Securities, BlueStar, Miller Financial Partners, and PKS Financial. The company has no disclosed institutional funding and operates within the US market.
JourneyGuide firmographics
Firmographics- Name
- JourneyGuide
- Legal name
- JourneyGuide AnalytiX, Inc.
- Website
- https://journeyguideplanning.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- JourneyGuide AnalytiX is a US-based fintech that provides interactive retirement planning software to financial advisors, using proprietary Monte Carlo simulations, Social Security optimization, and 150+ annuity product integrations distributed through broker-dealer channels.
- Ownership category
- akta.pro rank
JourneyGuide industry classification
Industry- Product category
- Retirement Planning Software
- NAICS
- Portfolio Management and Investment Advice (523940), Software Publishers (513210)
- SIC
- Investment Advice (6282), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF)
- akta.pro secondary industry
- Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)
Keywords
Where JourneyGuide is headquartered
LocationHeadquarters
- HQ city
- Fort Wayne
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
JourneyGuide business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription Software Licenses: JourneyGuide generates revenue primarily through subscription-based software licenses. Three subscription tiers are available: 30-day subscription billed monthly, annual subscription billed monthly, and annual subscription billed annually. The primary independent advisor tier is priced at $99/month. Enterprise and insurance carrier tiers are custom-priced with volume discounts.
- Lead Generation Tools: The Retirement Readiness Calculator serves as a lead generation tool for advisors, included within the subscription. Advisors can generate targeted leads through unique URLs, social media campaigns, website embeds, and email blasts, replacing expensive shared lead lists.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Independent Advisors - $99/month |
| Subscription | Annual | Enterprise - Broker-Dealers, FMOs, IMOs, Insurance Agencies |
| Subscription | Annual | Insurance Carriers - Custom Marketing Service |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
JourneyGuide product offering
Product offeringCore offering
JourneyGuide builds and sells an interactive, web-based retirement planning software platform used by financial advisors to model client retirement outcomes. The software runs proprietary Monte Carlo simulations (5,000 trials) that account for sequence of returns risk and longevity risk, integrates over 150 annuity products with current pricing, and supports Social Security optimization and Reg BI compliance analysis. It also offers a Retirement Readiness Calculator as a branded lead-generation tool for advisors.
Product overview
JourneyGuide is a single, unified retirement planning software platform built for financial advisors. It consists of the core JourneyGuide Retirement Planning Software (offering interactive Monte Carlo simulations, Social Security optimization, sequence-of-returns and longevity risk management, and integration of over 150 annuity products) and an associated Retirement Readiness Calculator tool used as a lead generation and client acquisition feature. Pricing tiers for Independent Advisors ($99/month), Enterprise customers (Broker-Dealers, FMOs, IMOs, Insurance Agencies), and Insurance Carriers provide differentiated access to features and customization.
Differentiator
Problem solved
Functional benefit
Products and services
- JourneyGuide Retirement Planning Software
Quantifiable outcome
- Create a retirement plan in minutes, not hours
- +2 more outcomes
Companies that use JourneyGuide
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
JourneyGuide technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature7 records
JourneyGuide partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- CambridgecoreCambridge is a broker-dealer that works with JourneyGuide, distributing the software to its network of financial advisors. JourneyGuide is featured as one of the tools offered to Cambridge's advisor network.
- CFD InvestmentscoreCFD Investments is a broker-dealer that distributes JourneyGuide software to its financial advisor network.
- GVC (GVCM)coreGVC is a broker-dealer that works with JourneyGuide, distributing the retirement planning software to advisors within its network.
- IFGcoreIFG is a broker-dealer partner that distributes JourneyGuide software to its financial advisor network.
- JW ColecoreJW Cole is a broker-dealer that distributes JourneyGuide software to its network of financial advisors.
- KestracoreKestra is a broker-dealer partner distributing JourneyGuide retirement planning software to its advisor network.
- Mutual SecuritiescoreMutual Securities is a broker-dealer that distributes JourneyGuide software to its financial advisor network.
- Miller Financial PartnerscoreMiller Financial Partners is a broker-dealer (operating under the PeachCap brand) that distributes JourneyGuide to its advisor network.
- PKS FinancialcorePKS Financial is a broker-dealer that distributes JourneyGuide software to its financial advisor network.
- Microsoft AzurecoreJourneyGuide's physical infrastructure is hosted and managed within Microsoft's secure Azure data centers. Microsoft Azure provides the cloud infrastructure including DDoS protection, penetration testing, physical security, and disaster recovery capabilities. Azure data centers are ISO 27001 certified.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
JourneyGuide competitors and assessment
Company assessmentDirect peers
- MoneyGuidePro (Envestnet): MoneyGuidePro is a widely adopted retirement and financial planning software for advisors, offering Monte Carlo simulations and goal-based planning. It is a primary competitor across the same broker-dealer distribution channel.
- eMoney Advisor: eMoney Advisor is a leading financial planning software platform used by advisors for retirement, investment, and goal planning. Owned by Fidelity, it is the most direct substitute for JourneyGuide in the independent advisor and broker-dealer market.
- RightCapital: RightCapital provides advisor-focused financial and retirement planning software with Monte Carlo projections and integrations. Comparable to JourneyGuide in targeting independent advisors with subscription-based SaaS.
- Riskalyze: Riskalyze provides risk tolerance assessment and portfolio analysis tools used by financial advisors. It shares the advisor-centric SaaS distribution and is often discussed alongside retirement planning suites.
- NaviPlan (Advicent): NaviPlan is an established financial planning platform serving financial advisors with retirement, tax, and estate planning. It overlaps directly with JourneyGuide's retirement planning focus for professional advisors.
- Orion Planning (Orion Advisor Tech): Orion Planning offers goal-based and retirement planning tools within the broader Orion advisor tech stack. It serves similar wealth management firms and broker-dealers with enterprise-tier planning software.
Emerging players
- Holistiplan: Holistiplan offers tax planning software for financial advisors with a complementary (not directly overlapping) feature set. It is an emerging fintech in the same advisor-tool ecosystem, frequently used alongside retirement planning software.
- Income Lab: Income Lab focuses specifically on retirement income planning analytics using probability-based projections. It is an emerging specialist in the same retirement-income-withdrawal niche that JourneyGuide targets.
- Vanare/WealthMatica (TIFIN): TIFIN's wealthtech platforms target advisor lead generation, engagement, and planning automation. They overlap thematically with JourneyGuide's advisor prospecting and retirement planning positioning.
Broad incumbents
- Envestnet Advisor Suite: Envestnet offers a comprehensive platform of wealth management tools including planning, portfolio management, and advisory workflows. It is a broad incumbent that competes with JourneyGuide at the enterprise and broker-dealer level.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
JourneyGuide social profiles
Digital presenceJourneyGuide compliance and trust
Trust signalCompliance1 record
JourneyGuide financial estimates
Financial estimateRevenue estimate
Valuation estimate
JourneyGuide leadership team
Management profileNumber of profiles
Profiles3 records
JourneyGuide funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
JourneyGuide 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 JourneyGuide
What does JourneyGuide do?
JourneyGuide builds and sells an interactive, web-based retirement planning software platform used by financial advisors to model client retirement outcomes. The software runs proprietary Monte Carlo simulations (5,000 trials) that account for sequence of returns risk and longevity risk, integrates over 150 annuity products with current pricing, and supports Social Security optimization and Reg BI compliance analysis. It also offers a Retirement Readiness Calculator as a branded lead-generation tool for advisors.
Is JourneyGuide a public or private company?
JourneyGuide is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was JourneyGuide founded?
JourneyGuide was founded in 2015. It employs 1 to 10 people.
Where is JourneyGuide based?
JourneyGuide is headquartered in Fort Wayne, United States, in the North America region.
How does JourneyGuide make money?
Two revenue lines are on record. Subscription Software Licenses are the primary driver. The others are lead Generation Tools.
Who are JourneyGuide's main competitors?
Direct peers on record are MoneyGuidePro (Envestnet), eMoney Advisor, RightCapital, Riskalyze, NaviPlan (Advicent) and Orion Planning (Orion Advisor Tech). Emerging players are Holistiplan, Income Lab and Vanare/WealthMatica (TIFIN). Envestnet Advisor Suite is listed as a broad incumbent.
Does JourneyGuide have an API?
No public API is recorded for JourneyGuide.
What industry is JourneyGuide in?
JourneyGuide's product category is Retirement Planning Software. Its primary akta.pro industry code is FSAGAEAF, Digital Retirement Platforms (IRA/401(k), Pension & Decumulation), with a secondary code of FSAEABAK, Digital/Hybrid Robo-Wealth & Retirement Advisory. Its NAICS code is 523940 and its SIC code is 6282.