Libretto CEO Jeff Coyle Shares Vision for the Future of Wealth Planning

Libretto Team

This interview was originally produced by and published by RIA Channel.

Jeff Coyle, CEO of Libretto, sat down with Julie Cooling, Founder & CEO of RIA Channel, to discuss how Libretto is redefining the wealth planning experience for advisors and their clients.

“We see Libretto as the next generation of wealth planning,” said Coyle. Libretto was initially built to address the complex financial needs of ultra-affluent families, but its mission has since evolved to make those sophisticated planning strategies accessible to every client.

Libretto avoids traditional risk questionnaires and models. Instead, it applies a liability-driven framework to lifecycle planning—empowering advisors to build portfolios that account for a client’s entire balance sheet, including:

Homes and mortgages
Human capital and future earnings
Social Security (treated as an illiquid, inflation-protected bond)
Private assets and operating businesses
Expected estate inflows

Rather than relying on a one-size-fits-all 60/40 model, Libretto functions as a “completion fund,” recognizing a household’s existing resources and filling in the gaps to create a comprehensive, tailored portfolio.

Coyle emphasized Libretto’s commitment to advisor support, highlighting its extensive professional development programs and white-labeled communication materials—including a one-click Personal Strategy Letter that presents a full-picture view of a family’s financial strategy.

Watch the interview

Important disclosure:

This interview was conducted by RIA Channel. RIA Channel is not affiliated with Libretto, nor was RIA Channel compensated by Libretto for conducting or publishing this interview. RIA Channel is not a client of Libretto, nor does RIA Channel endorse or recommend Libretto’s services.

This material is being provided for informational and educational purposes only and nothing contained herein should be considered, or is, investment advice or a recommendation to buy or sell any securities. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.

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 LLC (“Libretto”) is an SEC-registered investment advisor; however such registration does not imply a certain level of skill or training and no inference to the contrary should be made. 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 at www.adviserinfo.sec.gov. For additional information and disclosures, please see Libretto’s full disclosures.