For financial advisors, the challenge of delivering highly personalized, sophisticated wealth management at scale has long been a technological hurdle. While ultra-high-net-worth families have historically enjoyed access to advanced planning and customized asset allocation, translating that level of service to a broader client base requires significant time and resources. As the wealthtech landscape evolves, advisory firms are actively seeking solutions that bridge this gap without compromising the quality of their guidance.
Libretto has emerged as a standout platform addressing this exact need. Recently earning the highest user satisfaction ratings among firms with more than 1% market share in both the Financial Planning Software and Portfolio Design Solutions categories of the 2026 T3 / Inside Information Software Survey, the platform is turning heads. We sat down with Jeffery Coyle, Founder and CEO of Libretto, and recent recipient of the ‘Lifetime Achievement’ award at the 2026 WealthTech Americas Awards, to discuss the platform’s recent accolades, its new AI integrations, and his mission to make every client feel like a $100 million account.
Q: Libretto recently earned the highest user satisfaction ratings in two major categories of the widely respected 2026 T3 / Inside Information Software Survey. What does this level of validation from actual advisors mean to you and your team?
Jeffery Coyle: It means a great deal because it comes directly from advisors who are using the platform in their practices. We built Libretto around the belief that advisors want to deliver more sophisticated advice, but they need a methodology and technology that make that sophistication practical.
What is particularly gratifying is seeing that validation across both financial planning and portfolio design. We have always believed those disciplines should be connected. Planning should inform portfolio construction, and the portfolio should reflect the client’s full financial structure rather than exist as a separate exercise. The survey results reinforce our belief that advisors are looking for a more integrated way to deliver advice.
Q: At the T3 Technology Conference in Spring 2026, you unveiled new AI-powered features, including an automated client onboarding tool and an AI assistant named Mert. How exactly do these tools shift the day-to-day workload for advisors?
Jeffery Coyle: The opportunity we see for AI is to remove the work that gets in the way of advice.
Our automated onboarding tool can take information from planning reports, intake forms and other client files and use it to populate a draft Libretto strategy. Instead of spending their time rekeying data, advisors can spend that time reviewing the client’s situation, identifying the important issues and making decisions.
Mert takes that a step further. It acts as a thinking partner inside the client strategy, helping the advisor evaluate issues, navigate Libretto’s methodology and knowledge base, and communicate insights. Combined with our personalized client letters and other tools, the objective is to create a much more efficient path from client data to thoughtful strategy to clear communication.
AI should not replace the advisor’s judgment. It should give the advisor more time and better tools to exercise that judgment.
Q: Communication is a massive part of an advisor’s value proposition. Libretto was named a finalist in the 2026 Family Wealth Report Awards for Client Communications, largely due to your Personalized Client Letters. Why is it so critical to get the visual and narrative elements of reporting right?
Jeffery Coyle: Sophisticated advice has very little value if the client cannot understand it.
Traditional financial reports can overwhelm clients with charts, assumptions and statistics without creating a clear narrative around what those numbers actually mean. We wanted to approach communication differently. A client should be able to see what they own, what they need, what they are protecting, where they are taking risk and how the pieces fit together.
That is why our Personalized Client Letters combine narrative with client-specific graphics. The goal is not simply to produce a prettier report. It is to help the advisor explain a sophisticated strategy in a way that feels personal, concrete and relevant to the decisions the client is actually making.
Q: Winning the 2025 Datos Impact Award in Wealth Management highlighted your differentiated approach to “total wealth” planning. How does Libretto’s methodology actually differ from traditional financial planning software on the market today?
Jeffery Coyle: Traditional planning often starts with a risk questionnaire, a liquid investment portfolio and a Monte Carlo probability of success. We start with a different question: What is the client’s full financial structure, and what is each part of that structure supposed to accomplish?
Total wealth includes much more than the brokerage account. It includes homes and mortgages, businesses, private investments, human capital, Social Security, pensions, insurance, future inflows, liabilities and the client’s life objectives. Once you put all of those pieces on the table, the liquid portfolio becomes what I call a completion portfolio. Its job is to fill the gaps and complement the risks and resources that already exist elsewhere in the client’s financial life.
Risk management changes as well. Rather than relying primarily on a risk score or a probability, we ask what needs to be protected and what tools can provide that protection. Those tools might include hedges, reserves, insurance, diversification and flexibility.
The result is a planning-driven portfolio in which every part of the strategy has a purpose.
Q: You recently received a ‘Lifetime Achievement’ award highlighting your 30-plus years pioneering innovative approaches to wealth management. Reflecting on your background managing ultra-high-net-worth clients, what specifically inspired you to build Libretto?
Jeffery Coyle: For much of my career, I worked with very affluent families. They owned businesses, real estate and private investments. They had complicated estate structures, liabilities, family priorities and significant risks outside the markets. To advise them well, we had to manage the entire financial structure.
Over time, we developed a unified process that connected planning, asset allocation, risk management and wealth management. Clients responded very well to it because they saw us less as portfolio managers and more as wealth strategists.
The problem was that the process was difficult to scale. Much of the intellectual framework lived in spreadsheets and in the heads of experienced advisors. I started Libretto because I believed we could put that methodology into technology and make it repeatable.
What became clear later was that these methods should not be reserved for $100 million families. In many ways, clients with less wealth have an even smaller margin for error. That realization became central to our mission: help advisors make every client feel like they are worth $100 million.
Q: Your stated mission is to help financial advisors make every client feel like they’re worth $100 million. Looking ahead, what is next on the roadmap to continue delivering on that promise?
Jeffery Coyle: The roadmap really follows from that mission. Sophisticated advice has historically been expensive to deliver because it requires a tremendous amount of analysis, coordination and personalization. Our job is to keep reducing that burden without reducing the quality of the advice.
AI is an important part of that. We are continuing to focus on making client onboarding more efficient, helping advisors identify the issues that matter most, and making sophisticated strategies easier to communicate. At the same time, we will continue strengthening the underlying total wealth framework that connects planning, portfolio construction and risk management.
Ultimately, I want an advisor to be able to apply the same rigorous framework to a $1 million client that they would apply to a $100 million family. The client situations will be different, and the solutions will be different, but the seriousness and quality of the thinking should be the same.
Our conversation with Jeffery Coyle highlights a critical shift in wealth management technology: the move away from basic planning capabilities and data entry toward intelligent, scalable strategy building. By combining a robust, liability-driven planning engine with cutting-edge AI tools like Mert, Libretto empowers advisors to spend less time on manual tasks and more time building strong client relationships.
As the industry continues to grow more competitive, the ability to deliver ultra-high-net-worth quality advice to everyday clients will be a major differentiator for successful advisory firms. Platforms that prioritize intuitive workflows, deep knowledge integration, and personalized client communication will lead the charge.
To learn more, please visit https://www.libretto.io/
This article is being provided for informational purposes only, and nothing contained herein should be considered, or is, investment advice or a recommendation to buy or sell any securities. 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.
The 2026 T3 / Inside Information Software Survey was published on 3/10/2026. No direct compensation was provided in connection with the survey ratings, but Libretto does from time to time sponsor T3 and Inside Information events. The 2026 Family Wealth Report Awards are presented by WealthBriefing and ClearView Financial Media, and the Finalists were announced on 3/26/2026. No compensation was provided for obtaining this recognition; but Libretto did pay a small fee for distribution rights after being selected as a finalist. The 2025 Datos Impact Awards in Wealth Management are presented by Datos Insights and were published on 10/17/2025. No compensation was provided directly or indirectly by Libretto in connection with this award. The 2026 WealthTech Americas Awards, published 2/19/2026, are presented by WealthBriefing. No compensation was provided for obtaining this award, but Libretto did pay a small fee for distribution rights after being selected as a winner.
