Software for Financial Advisors and Coaches - OnTrajectory

Answer the tough questions with flexibility and control

Other financial tools constrain your ability to test different assumptions and model complex scenarios. OnTrajectory Pro was built to handle your client’s toughest questions.

Collaborate

Model financial plans together with your client in real time

Manage

Easily add and remove Managed Clients on your account

Empower

Give clients the option to update their own scenarios—or gate access

Help your clients plan for every major life transition

Should I rent or buy a house?
Index funds or rental property?
Which investment should I sell first?
Can my spouse go part time?
How much can we pay for college?
How much longer should I work?

What other advisors are saying about OnTrajectory

After trying every Monte-Carlo tool on the internet — I finally found this easy-to-use but powerful planner. OnTrajectory exceeds my expectations. It precisely answers the question our clients need to know. An indispensable tool.

– Bob Luxenberg @ 3 Factor Indexing

OnTrajectory Pro Pricing

Get full access to OnTrajectory’s capabilities for you and your clients in a centrally managed Pro account.

$49 _/month

per advisor, paid annually
REQUEST A DEMO

Pro Plan Features

Includes up to 25 clients*
Add additional clients for $2/month per client
1 hour of live onboarding support per advisor
Custom branding: add your logo and text to PDF reports
Unlimited email technical support

*account aggregation not included, available for a small fee

Income:

Model varying amounts of income through different periods of your life
Plan for gaps in income due to life events
Model income for a spouse or other household members
Adjust, tweak, adapt your income assumptions - and see the results in real-time

Expenses:

Model both recurring expenses and those with distinct beginnings and ends - like car payments or daycare
Define unique budgets for different periods of your life
Plan for expenses that may out-pace inflation
Source expenses to be drawn only from certain accounts
Record debt associated with an expense, such as a credit card or student loan - and use debt-reduction strategies to maximize your financial future
Employ a variable expense strategy, such as the "4% Rule"

Quick Settings:

Flexibly experiment with different retirement ages
Test your portfolio for extended longevities

Accounts:

Set-up accounts that are unique to you – like brokerage or mutual fund accounts, 401Ks, IRAs, 529s, HSAs, etc... each with their own applicable tax-handling and the ability to record a current cost basis
Link accounts to their institutions
Define both your contributions and those from your employer
Automatically account for RMDs both for retirement accounts and inherited IRAs
Guard against EWPs and have the ability to suppress them for SEPP or Rule-55 Distributions
Plan for a future Roth conversion using either a straight ladder or by staying within a certain tax bracket
Manually set your future tax assumptions or automatically estimate them for future years based on income, spending, and an array of other factors
Model the equity in your home - or even for rental properties
Track the pay-down of current or future loans
See the impact of making extra-payments
Automatically link mortgage expenses
Automatically link income to income-producing properties

Automatic Checks & Adjustments:

Get alerted to potential problems in your model, such as EWPs or shortfalls
Manually or automatically optimize your drawdown strategy for tax-efficiency
Automatically adjust your spending and future growth assumptions to meet your desired results

Analysis:

Run basic or advanced Monte Carlo or historical analysis against your plan to estimate your chance of success
Use either historical or parameterized data in your analysis
Experiment with different portfolio mixes
View a full report of your analysis results

Metrics & Data:

View key metrics for the current year
View a rich set of output data for every future year in your model
Create a pdf output file of your entire plan

Progress Tracking:

Continually track your actual progress against your assumptions
Quickly adjust your assumptions, as necessary - and instantly see the impact on your model

Comparisons:

Create a baseline model and quickly copy it to plan for alternatives
Compare scenarios side-by-side

Goals & More:

Create goals to visual track important milestones
Set viewing options based on which elements you wish to make visible