Plan comparison

Choose the WealthTrace plan that fits your needs

Every plan includes robust retirement-planning tools. Deluxe adds Trace AI plus deeper tax and investment analysis, while Advisor includes Trace AI, professional customization, and client-facing capabilities.

Comparison of WealthTrace Standard Individual, Deluxe Individual, and Advisor plans
Features Standard Individual Core retirement planning Deluxe Individual Advanced planning tools Advisor Professional and client use
Annual cost $229/year $289/year $1,049/year
AI-powered assistance
Trace AI assistant NewAsk questions and get plain-language explanations throughout your WealthTrace plan.
Accounts, taxes, and income
Import and link investment and bank accounts*
Manually add investments and underlying holdings
Tax laws updated annually
Social Security rules updated annually
Accounts for your tax bracket
Distinguishes capital gains, dividends, and interest income
Accounts for taxable, tax-deferred, and tax-free accounts
Calculates Medicare premiums using income and IRMAA rules
Estimates Social Security benefits
Models deferred-compensation contributions, payouts, and taxes
Cash flow, expenses, and goals
Vary projected inflation rates over time
Add cash flows such as a home sale, rental income, or insurance proceeds
Set custom tax and inflation rates for cash-flow inputs
Model one-time expenses such as college costs or a vacation home
Set custom inflation rates for goals and one-time expenses
Income-planning analysis
Plan analysis and projections
Track investment gains, account values, expenses, and shortfalls over time
Monte Carlo analysis
Net worth statement
Change multiple planning variables simultaneously
Find the changes needed to reach a planning goal
Life insurance planning and analysis
Long-term care insurance planning and analysis
Explore scenarios that help address retirement-plan hurdles
Compare scenarios with multiple assumption changes
Advanced tax and investment analysis
Customize account withdrawal order to help minimize taxes
Test your plan against historical bear markets and recessions
Federal income tax scenarios
Roth conversion scenarios and optimization
Asset allocation scenarios
Historical data and performance for your investments
Reports, plan options, and support
Export a professional financial-planning report
Create and save multiple individual plans Additional charge applies
One-on-one customized expert software help available
Email and live chat support
Advisor-only capabilities
Customize reports and create report templates
Phone support
Custom logo
Online fact finder for prospects and clients, emailed directly to the advisor
Use online fact-finder responses to auto-populate a financial plan* Additional charge applies

*Add-on charges may apply where noted.