We help advisors bring financial science to the client’s full financial life
Meet the next generation of financial planning, built on modern investment philosophy.
You already build portfolios with financial science — Libretto helps you bring that same rigor to each client’s full financial life. We connect advanced planning with factor-based investing so you can design advice around the client’s complete financial picture.
Systematize Your Advice
Methodology
Our planning framework harmonizes with your investment philosophy, enabling you to scale holistic solutions for your clients.
Factor-Based Investing
Are risk questionnaires too simplistic to reflect the full depth of your investment delivery?
Libretto’s asset allocation tools help you systematically map your factor-based investments to each client’s unique situation.
Libretto’s asset allocation tools help you systematically map your factor-based investments to each client’s unique situation.
Total Wealth Portfolios
Think of clients’ liquid investments as “completion portfolios,” which exist in the context of their homes, mortgages, alternatives, private assets, social security, human capital and other resources.
Lifecycle Planning
“Do I have enough? Am I protected? Is everything covered?” From helping an athlete manage career risk to preparing a couple for retirement, Libretto helps you answer your clients’ most important questions.
Liability-Driven Risk Management
Risk questionnaires and Monte Carlos are nice theoretical exercises, but they’re not enough to manage real-world risks.
Use liability-driven investing and address each client’s unique risks with hedges, reserves, insurance and other strategies.
Use liability-driven investing and address each client’s unique risks with hedges, reserves, insurance and other strategies.
Professional Development and White-Label Materials
Access our self-guided learning center, webinar series and white-label materials on advanced topics ranging from family mission and legacy planning to factor-based investing.
AI-Automated Client Onboarding
Migrating from eMoney, MoneyGuidePro or RightCapital? Receive a messy data dump from a prospect? No problem. Upload client documents and let Libretto’s AI do the data entry for you.
Get started right away building plans for clients and proposals for prospects.
Get started right away building plans for clients and proposals for prospects.
See how Libretto can extend your advice methodology:
Hear from Jeff
Jeff Coyle is the founder of Libretto and a wealth management thought leader. Over his career, Jeff founded three boutique advisory firms delivering to ultra-high-net-worth clients, served as Deputy Chief Investment Officer of Personal Financial Services for Northern Trust, and was Chief Strategy Officer at myCFO. As a former advisor, Jeff used Libretto to manage his own ultra-affluent clients.
Podcast
Managing Family Wealth: Moving Beyond the Portfolio
How can advisors play a more meaningful role in helping affluent families make informed, values-driven decisions? Dimensional Fund Advisors host Stephen de Man welcomes Dave Specht and Jeff Coyle to explore wealth management for highly affluent families.
Listen to the podcast »
Please see important disclosures here.
Webinar
Beyond the Portfolio: Becoming a Wealth Architect
What does it mean to be a wealth architect? This upcoming webinar with Libretto founder Jeff Coyle will explore how advisors can manage a client’s total wealth and build more thoughtful portfolios.
CFP CE credit is available.
CFP CE credit is available.
Register for the webinar »
Please see important disclosures here.
Article
Beyond the Portfolio: The Advisor as Architect of Total Wealth
What is the purpose of a portfolio? In this article published in Advisorpedia, Jeff Coyle discusses how advisors can build completion portfolios that complement a client’s broader financial structure and address key risks.
Read the article »
Please see important disclosures here.
Interview
Evolving the Quality of Advice: Why a Total Wealth Mindset Matters
In this interview hosted by WealthManagement.com, Jeff Coyle argues that the next frontier in wealth management is delivering better advice. He discusses the need for innovation in the industry and talks about Libretto’s mission to bring ultra-high-net-worth advice methods to advisors serving clients across all wealth levels.
Watch the interview »
Please see important disclosures here.
Article
Starting to Advise Ultra-Rich Clients? Don't Rebuild Your Firm, Just Rethink It
Many experienced advisors eventually encounter opportunities to work with affluent families, be it via referrals or wealth events. In this article published in Kiplinger, Jeff Coyle explains that working with affluent families doesn't mean rebuilding your firm, but offering advice that is structured, empowering and intentional.
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Please see important disclosures here.
Article
Organizing Complexity: A Household-First Approach to Multigenerational Wealth
Families with multigenerational wealth have complex financial lives. In this article published in Family Wealth Report, Jeff Coyle highlights the limits of an enterprise-first approach to managing a family office, arguing that each household’s financial structure should guide aggregated capital, not vice versa.
Read the article »
Please see important disclosures here.
PodcastThe WealthStack Podcast: Why Every Client Should Feel Like $100M with Libretto’s Jeff Coyle
In this podcast episode hosted by Shannon Rosic from the WealthStack Podcast, Jeff Coyle talks about his motivation for founding Libretto, why traditional risk tolerance tools often miss the mark, and how advisors can empower clients to move from a mindset of scarcity to one of abundance.
Listen to the podcast »
Please see important disclosures here.
For Wealth Architects
Address the full picture for your clients with a planning framework that matches your investment sophistication.
Interested in learning more?