Build and deliver financial plans your clients actually understand.
Financial planning takes too much time, and clients don't understand it. That's where PlanScore comes in.
Harmony asks for missing facts.
Review category by category.
The planning workflow for modern financial advice
Category-by-category clarity without the black box
PlanScore V2 uses a transparent 1-5 category scorecard and replaces the public aggregate-score moment with category readiness: not started, needs facts, ready to review, or complete.
Every rating includes the definition
A material gap. Address this first — the biggest opportunity to improve the plan.
Below where it should be. A near-term priority for the advisor.
Functional and reasonable. Room to optimize toward best practice.
Well-structured. Maintain and monitor.
Excellent — aligned to goals with no material gaps.
See what is ready and what still needs facts
Category pages hold observations and advisor-selected recommendations, then the selected recommendations flow into the Action Plan.
From client facts to a reviewed plan
Two ways to begin, one guided builder underneath, and a PDF deliverable only after advisor review.
Client profile
Enter the core facts once so Harmony and the builder begin from the same profile.
Planning categories
Review each category with 1-5 scoring, fact gaps, observations, and selected recommendations.
Download PDF
Produce a branded proposal or financial plan with the pages clients expect and compliance needs.
A proposal and plan
ready for review
PlanScore produces branded PDFs from the same reviewed categories. The advisor controls which observations and recommendations appear, and disclosures remain mandatory.
- Firm and advisor branding first
- Planning Categories near the front
- Category pages with observations and score definitions
- Advisor-selected recommendations flowing into the Action Plan
- Proposal timeline, mutual commitment, what's included, and payment terms
- Mandatory disclosures that stay in every PDF
Every dimension of a plan, organized
PlanScore covers the whole client picture, not just the portfolio. Each category carries facts, score definitions, observations, and recommendations.
Cash Flow
Reserves, spending, debt, and the monthly picture every recommendation depends on.
Tax Planning
Filing status, tax rates, account mix, and planning opportunities an advisor can explain.
Investment Planning
Risk posture, allocation, diversification, and progress toward named goals.
Retirement
Retirement timing, income targets, savings rate, and confidence in the client's path.
Estate Planning
Wills, POAs, directives, beneficiaries, and the documents that protect the plan.
Risk Management
Coverage across each insurance line and the gaps that should become action items.
Business Strength
For business owners only: documentation, continuity, data hygiene, and strategic focus.
Completed categories become PDF pages, and selected recommendations become the Action Plan.
Everything you need to build more, faster
PlanScore replaces the patchwork of docs, decks and spreadsheets with one workflow for facts, categories, recommendations, and reviewed deliverables.
Client profile first
Start with the facts that shape the work: age, household, tax filing status, business ownership, income, expenses, insurance, and estate readiness.
Talk it through
Describe the client in plain language. Harmony captures facts, asks for missing context, and drafts observations for your review.
Use the plan builder
Work category by category with structured scoring, definitions, fact gaps, notes, and recommendations in one advisor-controlled flow.
Proposal engine built in
Timeline, mutual commitment, what's included, payment terms, and disclosures assemble under your firm and advisor branding.
Grounded in transparent 1-5 scoring
Each category and subcategory includes plain-language definitions, so the reasoning behind recommendations is transparent.
Plan and proposal PDFs
Download a proposal or a financial plan with planning categories, category pages, action plan, chart key, and mandatory disclosures.
Exceed your clients' expectations.
Stop giving them what they expect.
The difference between a good advisor and a great one isn't more hours. It's a better system — one that makes elite the default on every plan.
Built by an advisor who
refused to settle
PlanScore comes out of Sten Morgan's own practice — a system for delivering maximum value with extreme efficiency, so every client gets an elite plan and no advisor burns out building it.
Security and trust
Client confidence is built into the workflow.
Financial plans contain deeply personal information. PlanScore separates every firm, protects sensitive data, and preserves an accountable path from intake through final approval.
See our full security practicesSOC 2 Compliant
Controls across all five Trust Services Categories
PII Protected
Access-controlled, tenant-scoped client information
Encrypted
AES-256 protection at rest and TLS in transit
Integrity by Design
Review gates, audit records, and versioned outputs
One product, one price. Pay monthly or save on the year.
Monthly and annual are the same PlanScore — the builder, branded PDF downloads, advisor review controls, and mandatory disclosures. The only difference is what you pay. Subscribe after you sign in; public pricing never creates an unlinked subscription.
The whole product, month to month.
- Unlimited plan and proposal drafts
- Branded plan & proposal PDFs
- Client profile + all applicable planning categories
- 1-5 score definitions + chart key
- Talk it through + the plan builder
- Advisor-controlled action plans
Paid checkout opens after you sign in. Prefer a guided walkthrough? Request a demo.
The same product, at the better price.
- Unlimited plan and proposal drafts
- Branded plan & proposal PDFs
- Client profile + all applicable planning categories
- 1-5 score definitions + chart key
- Talk it through + the plan builder
- Advisor-controlled action plans
Paid checkout opens after you sign in. Prefer a guided walkthrough? Request a demo.
For RIAs and networks standardizing how plans get built.
- Everything in the annual plan
- Seats for your whole firm & SSO
- Custom scoring framework & templates
- Dedicated onboarding
Start from notes and let Harmony ask for gaps.
Move through profile, categories, proposal, and review.
Efficiency equals profitability.
Every hour you get back is an hour you can sell. Explore how PlanScore turns one client profile into a reviewed proposal and financial plan.