$149
per month, solo advisor
$399
per month, per team seat
5 min
plan PDF to live checklist
How it works
The Planguard loop in three steps.
From a signed PDF to a tracked, accountable client in a week — without the manual follow-up chain.
Advisor uploads the signed plan PDF
Planguard reads the document the client actually agreed to — not the meeting notes after.
AI extracts the checklist, deadlines, and priority scores
Action items, dates, and a dollar-impact score per item — grouped, ranked, and ready to track.
Weekly accountability emails — advisor watches execution live
Clients get a steady weekly nudge; advisors see what’s done, what’s slipping, and what to chase on the dashboard.
Why Planguard
We work from the plan the client signed, not the meeting they just left.
Jump, Zocks, Pulse360, and Warmer all capture what the advisor remembers to say out loud. Planguard works from the document the client actually agreed to — which is why firms documenting SECURE Act 2.0 engagement trails pick it.
- Reads the signed PDF — the document the client agreed to.
- Every action tied to the original clause it came from.
- Full timestamped trail — feeds SECURE Act 2.0 + Reg BI review.
- Catches the items that never made it into a meeting.
- Captures only what the advisor said on the call.
- Items survive in note form, untethered from the plan.
- Engagement trail exists, but not against the plan of record.
- No roadmap for the things nobody thought to mention.
How it works
Five steps from a signed PDF to a living implementation plan.
Every step leaves a timestamped audit artifact. Your compliance team sees the same plan the client sees — same inputs, same outputs, same trail.
Upload the plan
Drop the advisor’s signed plan PDF — or paste a text export. Planguard reads the artifact the client actually agreed to.
Extract the checklist
Action items, deadlines, document requests, and renewal reminders are pulled out and grouped by category.
Score & schedule
Every item gets a priority score tied to dollar impact and time sensitivity, and a deadline stamped on the calendar.
Send the requests
Document-request list goes out with the right context per recipient — advisor, custodian, client, spouse.
Run accountability
Weekly email cadence surfaces what’s done, what’s slipping, and what the advisor needs to nudge this week.
Built for
Three practices use Planguard. They all lose revenue the same way.
Independent & ensemble RIAs
You already write plans clients sign. Planguard makes sure execution isn’t the silent killer of retention and AUM growth.
Insurance-adjacent practices
Permanent life, annuities, disability — documents have to be funded, signed, and underwritten. Planguard keeps the chain hot.
Financial coaches & planners
Cash-flow plans, debt payoff, savings — the same plan-to-action gap, in households without an AUM trail to follow.
Compliance-ready
Built for the regulation your team actually has to satisfy.
Planguard ships with the workflow document, the data inputs, and the sample outputs your compliance team needs to review the system against Reg BI before go-live. The trail logs everything.
SEC §408(b)(2)
SECURE Act 2.0
Engagement trail stamps every action back to the plan clause it came from.
Rule 206(4)-7
SEC Marketing Rule
Recordkeeping-ready. Every accountability email logged with the inputs.
Reg BI
Best-interest standard
Workflow docs + sample outputs your compliance team can review in days, not months.
Pricing
Three plans. No per-item or per-document fees.
Sits squarely inside the established mid-tier RIA SaaS band — between Wealthbox and Jump, with team pricing that doesn’t punish you for adding advisors. Larger firms and broker-dealers go on a tailored Enterprise contract.
Solo advisor
$149
/month
For the independent practice that already writes plans but needs them executed.
- Plan PDF upload (or text export) — reads the signed artifact
- Action checklist extracted from every clause
- Deadline calendar with priority scoring
- Weekly accountability emails to clients + advisor
- Client count: up to 200 active client plans per seat
- SECURE Act 2.0 trail export (CSV / JSON)
Per-team seat
$399
/month, per seat
Multi-advisor firms with shareable compliance review and SSO.
- Plan PDF upload + eMoney / MoneyGuide / RightCapital importers
- Action checklist + document-request list, weighted by priority
- Deadline calendar with firm-wide visibility
- Weekly accountability emails + drip campaigns
- Templates library — branches, mailers, renewals
- Client count: 2,500 active plans per seat (unlimited above)
- Role-based access + SSO + per-seat audit trail
Enterprise
Custom
tailored contract
For national firms, broker-dealers, and RIAs above 25 seats — volume licensing, dedicated compliance support, and a private deployment path.
- Volume seat licensing + dedicated onboarding
- Private deployment (VPC or on-prem) with SSO + SCIM
- Compliance co-review with your internal counsel
- Named technical account lead
Reference band: Wealthbox $35–$99/user · Jump $75–$175/user · Redtail $39–$65/user. Planguard prices the “execution” layer, not the relationship layer.
Western Massachusetts
From the founder
“I built TheMoneyDad to help families navigate budgets and wealth-building out of Western Massachusetts. The follow-through gap I kept seeing on the consumer side is the same one advisors see on their side — the plan gets signed and then nothing happens. Planguard is me tackling it from the advisor side, where the gap shows up in your Kitces research as the most-cited operational pain point in the industry.”
— Kevin Murray, founder & CEO · Building Planguard to be the execution layer every advisor-signed plan needs to land.
Talk to the founder
Ready to make every signed plan a completed one?
Email planguard-5@polsia.app and we’ll send you a sandbox plan to try, plus the compliance packet. Founder replies directly. Average turnaround: under 24 hours.