For financial planners and the clients who rely on them, 2025 is shaping up to be a year full of innovation and excitement.
With more financial tools and better technology hitting the market every day, financial planners have a wealth of options to choose from to make sure their clients are getting what they want and need.
But with so many options also comes some confusion.
How can a financial advisor decide which are the best financial planning software solutions for their client?
How can they determine which tools will provide real solutions?
- Technology is quickly changing the way that financial planners work for and with their clients.
- Staying on top of emerging trends and knowing the right financial planning software tools you should have in your tech stack is going to greatly improve every client’s satisfaction.
- Make sure you do some research and choose financial planning tools that aren’t just “trendy” but are sustainable for long-term success for your firm.
- Customization and Personalization Tools
- Estate Planning and Generational Wealth Transfer Tools
- Investment and Retirement Planning Forecasting Tools
- Improved Tax Planning Tools
- Sustainable Investing Options
- Financial Wellness and Literacy Programs
- Comprehensive Financial Planning Starts with Holistiplan
Financial planning firms are instrumental in a person’s long-term financial happiness and health.
From helping clients work through budgeting and cash flow needs to creating sustainable investment and tax planning strategies, the role of a financial planning firm is multifaceted and deeply impactful.
No matter where you are in your career, it’s always key that you stay on top of the trends and take time to determine what new tools are going to make a big impact on your client’s wealth, financial health, and overall satisfaction with your firm.
Let’s take a look at some of the most exciting and effective innovations that are going to be key components of a comprehensive financial planning software stack for every financial firm in 2025.
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Customization and Personalization Tools
One of the biggest trends in financial planning software in 2025 is the emphasis on customization and personalization.
According to a study done by eMoney, over 90% of clients today want more personalized financial advice from their advisors. They also have a growing desire for increased transparency, more accessibility, and more control over the financial decisions they’re making.
Financial advisors will need to adapt to these needs by implementing tools that allow for more customization and control on the client’s part.
Here are some ways to give your clients what they are asking for:
- Personalized Financial Roadmaps: Look for software that creates detailed, customized financial plans based on individual goals, risk tolerance, and financial situations.
- Customizable Dashboards: Find software that prioritizes user-friendly interfaces that allow clients to personalize their financial dashboards to monitor the metrics most important to them.
- Easy Client Portal Access: Implement tools into your tech stack that provide clients with seamless and secure access to their financial information. This includes intuitive dashboards where clients can view their account balances, investment performance, and financial goals in real time…and on their own time.
As you look toward new technology and what’s trending in 2025, make sure you’re choosing financial planning software that offers your clients more than cookie-cutter solutions. Know that they want tools that are tailored to their unique financial goals, their values, and their life circumstances.
Estate Planning and Generational Wealth Transfer Tools
As the Baby Boomer generation ages, there’s a growing focus on estate planning strategies and the transfer of wealth to the next generation.
Clients want to ensure that their assets are distributed according to their wishes and that their loved ones are financially secure.
Think about the following when considering the best financial planning software for your client’s estate planning needs:
- Comprehensive Estate Planning Modules: Look for tools that will help organize and keep track of wills, trusts, power of attorney, and healthcare directives.
- Generational Wealth Transfer Strategies: Make sure that you implement software that helps clients plan for the efficient transfer of wealth to heirs, minimizing taxes and legal complications.
- Beneficiary Tracking: Find features that allow clients to keep track of beneficiaries and make updates as needed.
Today’s clients want peace of mind in knowing that their investment portfolios are protected and aligned with their overall estate planning goals. They seek assurance that their financial legacy will be preserved and efficiently passed down to future generations.
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Accurate investment and retirement planning forecasts are crucial for clients who want to ensure they have enough resources to enjoy their golden years.
According to a survey by the Financial Planning Association, 85% of clients have expressed a desire for their advisory firms to provide them with more detailed knowledge and insights about their investments than they’ve asked for in the past.
When you are adding technology tools to your software that focuses on investing, consider some of the following factors for enhanced client education and satisfaction:
Financial Investment Simulations:
Take time to find tools that use algorithms to simulate various investment and retirement outcomes based on different assumptions.
Scenario Analysis:
Look for features that allow clients to test different scenarios, such as changes in market conditions or spending habits, to see how these may impact their financial future.
Interactive Retirement Planners:
Invest in user-friendly tools that help clients understand their investment strategies and retirement readiness so they can make adjustments to their plans as needed.
Today’s clients want to have a deeper understanding of their investments, the strategies behind them, and how different scenarios can change future outcomes. Investing in advanced forecasting tools can help your clients visualize different scenarios and make informed decisions for their future.
Improved Tax Planning Tools
Tax planning is a critical component of any comprehensive financial plan.
High net worth clients want to find ways to minimize their tax liabilities while maximizing their financial well-being.
Here are a few ways that advanced tax planning tools can help clients achieve this balance.
- Tax Optimization Strategies: Look for tools that provide tailored strategies for reducing tax liabilities, such as tax-efficient investment portfolios and retirement account withdrawals.
- Real-Time Tax Impact Analysis: Find software features that show clients the immediate tax implications of various financial decisions.
- Tax Filing Integration: Look for software that seamlessly integrates with tax filing systems to streamline the preparation and filing of tax returns.
Tax planning is no longer a task left simply up to a client’s tax preparer. Financial advisors need to play a key role in helping their clients develop comprehensive tax strategies that align with their overall financial goals.
Sustainable Investing Options
Today’s financial planning clients care about the world around them and want their investments to reflect their values.
They are increasingly seeking investment options that prioritize Environmental, Social, and Governance (ESG) criteria, aiming to make a positive impact while achieving their financial goals.
Financial planning software that incorporates ESG criteria can help clients align their investments with their values in a number of ways:
- ESG Investment Screening: Look for tools that allow clients to screen for investments based on ESG criteria, such as environmental impact, social responsibility, and corporate governance.
- Sustainable Portfolio Management: Find features that help clients build and manage investment portfolios that prioritize sustainability and ethical considerations.
- Impact Reporting: Invest in tools that provide detailed reports on the environmental and social impact of clients’ investments.
As environmental and social concerns become a bigger priority for your clients, it’s important you consider implementing other financial planning software into your tech stack that takes these needs into consideration.
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One of the biggest shifts that the financial industry has seen in recent years is the client’s desire to become more aware, more educated, and more involved in their financial planning process.
From a more detailed cash flow analysis to more in-depth financial data about their long-term investments, clients want a bigger and better picture of where they stand and what they need to do to achieve their financial goals.
This is where strong financial planning software that prioritizes client education can make a big difference in your financial tech stack.
Look for the following key features:
Educational Resources:
Focus on software that incorporates a wide range of educational materials, including articles, videos, webinars, and interactive tutorials on various financial topics.
Financial Wellness Assessments:
Look for tools that evaluate a client’s overall financial health and provide personalized recommendations for improvement.
Behavioral Finance Insights:
Features that help clients understand their financial behaviors and develop better money management habits.
By offering comprehensive financial planning tools that aim to educate your clients and involve them in their overall financial plan, you empower them to make informed decisions about their financial future and increase their engagement and satisfaction with your firm.
Comprehensive Financial Planning Starts with Holistiplan
As we enter into a new year, we see the financial planning landscape rapidly evolving to meet the sophisticated needs of clients and investors of today.
From customization and personalization tools to advanced estate and tax planning, Holistiplan is at the forefront of providing comprehensive financial solutions that address these modern demands.
Holistiplan is trusted by over 30,000 finance professionals nationwide for providing holistic financial planning services to meet their clients’ changing needs.
By integrating both estate and tax planning into a single, user-friendly platform, Holistiplan supports a holistic approach to financial planning that leads to more understanding, more engagement, and more satisfaction for your clients.
Embrace the new financial planning trends of the new year. Reach out to Holistiplan today to begin building the financial tech stack of tomorrow.
