Important disclosure

The material on this website is intended for informational purposes only and should not be considered as, and is not, investment advice or a recommendation of any particular security, strategy or investment product. References to specific securities, investment programs or funds are for illustrative purposes only and are not intended to be, and should not be, interpreted as recommendations to purchase or sell such securities.

Nothing contained herein is intended to, or shall, constitute accounting, legal, tax, security or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. Readers should be aware that all investments carry risk and may lose value.

Different types of investments involve varying degrees of risk. Past performance is not indicative of future results. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies discussed) will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.

Libretto LLC (“Libretto”) provides advisory services to registered investment advisors and other professional advisors and does not advise individual clients. Individuals should consult their personal financial advisor or a licensed securities professional before investing.

Libretto is a registered investment adviser with the U.S. Securities and Exchange Commission (“SEC”); however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Libretto will only transact business or render personalized investment advice in those states and international jurisdictions where it is registered, or as otherwise permitted by law.

Information about Libretto, including the services provided, the types of clients Libretto accepts and fees charged, is available on Libretto’s Form ADV Part 2A, which can be obtained by going to www.adviserinfo.sec.gov.

Social media disclosure

Libretto LLC (“Libretto”) maintains a presence on third-party social media sites including LinkedIn. Libretto is not affiliated with LinkedIn, and has no control over how these and other third-party sites use the information you share. If you participate in these or other social networking sites, you should be familiar with their respective privacy/security policies, be knowledgeable about how account settings work, and be aware of how user information can be displayed and used throughout the site. Please remember for your own security, you should never communicate any personal or account information using these channels.

Libretto social media programs may follow another user, share or provide hyperlinks to third-party content, “like/favorite” third-party content. Doing so is intended to provide additional perspective and should not be construed as an endorsement of any services, products, guidance, individuals, or points of view outside of Libretto. All content distributed through Libretto’s social media channels are intended for U.S. residents only.

Whenever a third party posts content to our social media properties, this information remains the responsibility of the party submitting the content and does not represent Libretto’s viewpoints or serve as an indication or guarantee of future results. Content posted on Libretto’s social media channels should not be considered a recommendation or personalized advice. Where specific advice is necessary or appropriate, individuals should consult with a qualified tax advisor, legal advisor, CPA, Financial Planner or Investment Manager pertaining to the individual situations. Posts by others that describe opinions, views or experiences may not be representative or indicative of another’s personal experience. Finally, Libretto reserves the right to remove comments received from third parties based on its established criteria.

Important information regarding Libretto’s relationship with Impact Communications

Libretto LLC (“Libretto”) has engaged Impact Communications (“Impact”), a third-party marketing service provider, to assist with certain marketing and public relations activities. Impact is compensated by Libretto for its services, which may include, but is not limited to, arranging press opportunities, facilitating interviews, amplifying content on social media, and promoting events hosted by Libretto. This compensation may create an incentive for Impact to present Libretto’s activities, events, and content in a more favorable light. This potential conflict of interest is mitigated by Libretto’s review of communications made by Impact on behalf of Libretto.

Impact is not affiliated with Libretto and does not provide investment advisory services. Impact is not a client of Libretto, nor does Impact endorse or recommend Libretto’s advisory services. Impact’s promotional activities should not be construed as an endorsement, testimonial, or recommendation of Libretto’s services, investment strategies, or personnel.

Any statements, materials, or posts distributed by Impact are intended for informational purposes only and should not be considered, and are not, investment advice or a recommendation to buy or sell any securities. Such information should not be relied upon as a guarantee of future performance or results. Further, no statements are intended to, or shall, constitute accounting, legal or tax advice.

Awards disclosures

2025 InvestmentNews Hot List (11/11/2025)

Jeff Coyle, founder of Libretto, was named in the InvestmentNews Hot List for 2025, published 11/11/25, which highlights exceptional wealth professionals for 2025 as selected and researched by the InvestmentNews team based on submitted materials. No compensation was provided directly or indirectly by Jeff Coyle or Libretto for inclusion on this list. This recognition is not indicative of future results, performance, or the skill of any advisor using Libretto, and it should not be construed as an endorsement of Libretto by the award sponsor.

2025 Datos Impact Awards in Wealth Management (10/17/2025)

Libretto was named the winner of the 'Best Innovation in Financial Planning' award for 2025 in the 2025 Datos Impact Awards in Wealth Management, presented by Datos Insights and published on 10/17/2025. The awards recognize 24 organizations whose breakthrough innovations are transforming how wealth management firms serve advisors and clients across the evolving financial landscape. Winners are selected based on submitted materials by a panel of wealth management industry experts and strategic advisors for Datos Insights. No compensation was provided directly or indirectly by Libretto in connection with this award. This recognition is not indicative of future results, performance, or the skill of any advisor using Libretto, and it should not be construed as an endorsement of Libretto by the award sponsor.

2025 ThinkAdvisor Luminaries Awards Finalist (9/23/2025)

Libretto was named a Finalist in two categories of the 2025 ThinkAdvisor Luminaries Awards: Product or Service Innovation in Financial Planning, and Product or Service Innovation in Operations. The awards are presented by ThinkAdvisor, and the Finalists were announced on 9/23/2025. The winners were announced on 12/4/2025, and Libretto was not named a winner in either category. The awards program recognizes the visionary firms and individuals driving innovation and making a transformative impact on both the financial services industry and profession. Winners are selected based on submitted materials by a panel of independent judges made up of industry professionals. No compensation was provided directly or indirectly by Libretto in connection with this award. This recognition is not indicative of future results, performance, or the skill of any advisor using Libretto, and it should not be construed as an endorsement of Libretto by the award sponsor.

FinTech Global’s 2025 WealthTech100 list (4/1/2025)

Libretto was named in FinTech Global’s 2025 WealthTech100 list published 4/1/2025, which highlights innovative wealth tech companies for 2025 as selected and researched through a survey and interview process by a panel of industry experts, analysts, and the FinTech Global team. No compensation was provided directly or indirectly by Libretto for inclusion on this list. This recognition is not indicative of future results, performance, or the skill of any advisor using Libretto, and it should not be construed as an endorsement of Libretto by the award sponsor.

2025 T3/Inside Information Software Survey (3/4/2025)

In the 2025 T3/Inside Information Software Survey, Libretto was rated the #1 financial planning software by user satisfaction as of 3/2025. The anonymous survey is open to members of the financial planning/investment advisory community and asks participants to rate the technology providers in their tech stack. The 2025 survey included 2,128 responses. No direct compensation was provided to T3 or Inside Information related to the survey. However, Libretto does from time-to-time sponsor T3 and Inside Information events as part of its general marketing activities, which can create a potential conflict of interest with respect to written analysis of survey results by T3 and Inside Information writers. The survey results are based on respondent opinions and may not be representative of all users of financial planning software.

Testimonial disclosures

Indivisible-Libretto press release (10/28/2025)

In a joint press release with Libretto published 10/28/2025, John Thiel and Indivisible Partners made statements about the company’s experience working with Libretto. These statements are testimonials reflecting the opinion of a current client of Libretto. John and Indivisible Partners have not been compensated directly or indirectly for these statements. As a current paying client of Libretto, John and Indivisible Partners maintain an ongoing business relationship with the firm, which can create a potential conflict of interest. The testimonials may not be representative of the experience of other clients and are not a guarantee of future results or success.

Financial Planning Magazine article (10/21/2025)

In a Financial Planning Magazine article published 10/21/2025, Drew Lunt made statements about his experience working with Libretto. These statements are testimonials reflecting the opinion of a current client of Libretto. Drew has not been compensated directly or indirectly for these statements. As a current paying client of Libretto, Drew maintains an ongoing business relationship with the firm, which can create a potential conflict of interest. The testimonials may not be representative of the experience of other clients and are not a guarantee of future results or success.

Financial Planning Magazine article (3/26/2025)

In a Financial Planning Magazine article published 3/26/2025, Grant Blindbury made statements about his experience working with Libretto. These statements are testimonials reflecting the opinion of a current client of Libretto. Grant has not been compensated directly or indirectly for these statements. As a current paying client of Libretto, Grant maintains an ongoing business relationship with the firm, which can create a potential conflict of interest. The testimonials may not be representative of the experience of other clients and are not a guarantee of future results or success.

Other press disclosures

WealthManagement.com interview (12/5/2025)

This interview was a spontaneous interview facilitated by WealthManagement.com at the 2025 RIA Edge conference in Los Angeles. Libretto did not pay for this interview opportunity. However, Libretto was a paid sponsor of the 2025 RIA Edge conference, which can create a potential conflict of interest. WealthManagement.com is not affiliated with Libretto and does not provide investment advisory services. WealthManagement.com is not a client of Libretto, nor does WealthManagement.com endorse or recommend Libretto’s services.

Financial Planning Magazine article (11/4/2025)

This article notes that Libretto’s market share “quintupled.” This characterization is based on a survey of approximately ~2,000 participants. The change in survey responses does not reflect Libretto’s actual market share and should not be interpreted as an indication of Libretto’s growth or performance. Please see additional disclosures on this page regarding the 2025 T3/Inside Information Software Survey for more information on this survey.

WealthManagement.com 2025 Midyear Outlook (8/18/2025)

Libretto authored this article and paid a small fee for its publication. This content is for informational purposes only and should not be considered, and is not, investment advice or a recommendation to buy or sell any securities.

T3 Hot & Happening Podcast (7/28/2025)

Jonny Swift of Impact Communications was a guest host for this podcast episode. Libretto has engaged Impact Communications, a third-party marketing service provider, to assist with certain marketing and public relations activities. This compensation may create an incentive for Impact to present Libretto’s activities, events, and content in a more favorable light. Impact is not a client of Libretto, nor does Impact endorse or recommend Libretto’s advisory services. Please see additional disclosures on this page regarding Libretto’s relationship with Impact Communications for more information.

Swift Chat (6/4/2025)

This interview was organized and facilitated by Impact Communications. Libretto has engaged Impact Communications, a third-party marketing service provider, to assist with certain marketing and public relations activities. This compensation may create an incentive for Impact to present Libretto’s activities, events, and content in a more favorable light. Impact is not a client of Libretto, nor does Impact endorse or recommend Libretto’s advisory services. Please see additional disclosures on this page regarding Libretto’s relationship with Impact Communications for more information.

WealthManagement.com interview (3/24/2025)

This interview was organized and facilitated by WealthManagement.com. Libretto paid a small fee to WealthManagement.com to reserve the interview opportunity. WealthManagement.com is not affiliated with Libretto and does not provide investment advisory services. WealthManagement.com is not a client of Libretto, nor does WealthManagement.com endorse or recommend Libretto’s services.