Solutions

Purpose-built planning flows for core equity compensation cases.

Gemifi helps advisory teams navigate the highest-impact stock-comp decision points with repeatable frameworks and clear client communication.

Unlike general planning software, Gemifi is designed around the real equity compensation workflow: award history, future vesting, tax-sensitive scenarios, concentration management, and recommendations clients can act on now.

ISO

Exercise timing and tax-aware decision support for incentive stock options.

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NQO

Side-by-side options planning with clear tradeoffs for non-qualified options.

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RSU

Diversification-focused strategy planning support for restricted stock units.

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Pre-IPO planning

Liquidity-event preparedness with scenario and recommendation support.

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Why Gemifi wins

Built for the messy middle of real equity compensation advice.

RightCapital, eMoney, and MoneyGuide Pro are broad planning platforms. Gemifi is purpose-built for the narrower, more urgent problem advisors run into with stock comp clients: what happened, what is coming, what is taxable, what is concentrated, and what to do next.

Award-level history and future

Trace past exercises, vests, sales, withholding, and projected vesting in one place instead of collapsing equity into a single account line item.

Equity-specific tax planning

Model RSU, ISO, NQO, and pre-IPO decisions with multi-year tax context, concentration tradeoffs, and decision support built around the equity itself.

6 months to 6 years

Focus clients on the next decision window where the money, taxes, and concentration risk actually move, not just a 30-year retirement arc.

More assets under management

Give advisors a concrete way to move held-away equity into an ongoing managed relationship by clarifying what to exercise, hold, sell, and diversify.

Monthly cash flow and plan outputs

Tie trading plans to monthly cash flow, CPA-ready tax reporting, and recommendation delivery so advice does not stop at analysis.

Trading plan builder

Turn a scenario into an actionable sequence of equity decisions, instead of leaving the advisor with only a static planning snapshot.

Company intelligence and CRM context

Track company-specific items like QSBS status, 10b5-1 eligibility, transfer-agent details, trading windows, FMV history, and equity notes.

Pre-IPO complexity

Handle double-trigger grants, private-company assumptions, company-level metadata, and concentration risks that are central to real equity comp work.

Comparison

Gemifi vs. general planning platforms

This comparison reflects current public positioning from RightCapital, eMoney, and MoneyGuide Pro alongside Gemifi's current equity-planning capabilities.

Capability	Gemifi	RightCapital	eMoney	MoneyGuide Pro
Primary planning lens	Gemifi focus Equity comp workflow software for advisors who need to make specific award, tax, concentration, and liquidity decisions.	Broad household planning platform with client-friendly plan communication, Blueprint, and cash flow visuals.	Broad planning platform spanning targeted, goals-based, and cash-flow planning conversations.	Comprehensive planning platform organized around goals-based, micro, and holistic planning experiences.
Equity award visibility	Gemifi focus Deep visibility into grant history, vesting, exercises, sales, withholding, future vesting, concentration, FMV context, QSBS, and double-trigger data.	Useful within a broader plan, but not publicly positioned as a grant-level equity operations workspace.	Strong planning shell, but public positioning centers on planning methods rather than award-level equity history and future-state analysis.	Public positioning emphasizes planning experiences and cash-flow/estate tools, not award-by-award equity modeling.
Tax planning around equity decisions	Gemifi focus Built for equity-specific tax scenarios, including plan-level equity income, multi-year projections, CPA reports, and tax-aware decision support.	General tax-efficient planning support, but not differentiated around equity compensation event analysis.	Supports tax handling and complex cash-flow planning, but public messaging is not centered on equity-comp-specific tax workflows.	Supports broader tax-aware planning, but public positioning emphasizes holistic planning rather than stock-comp event-by-event tax analysis.
Time horizon	Gemifi focus Optimized for the next 6 months to 6 years, where vesting, exercises, lockups, diversification, and liquidity decisions are actually actionable.	Designed for full-plan household planning across much longer-term financial outcomes.	Designed to scale from single-goal conversations to long-range comprehensive plans.	Designed to scale from foundational planning to sophisticated long-range strategies.
Outputs advisors can act on	Gemifi focus Trading plan builder, monthly cash flow projections, CPA-ready tax reports, concentration views, and client-ready recommendation support.	Plan summaries, household visuals, and scenario communication tools.	Interactive planning presentations, side-by-side scenarios, and client portal engagement.	Goals-based planning, cash-flow and estate planning experiences, and practice-level planning dashboards.
Growth impact for advisory firms	Gemifi focus Helps advisors convert held-away equity into managed relationships and recurring planning revenue tied to specialized equity complexity.	Supports broad planning-led retention and growth across general client households.	Supports scalable planning relationships and client engagement across a wide range of households.	Supports scalable planning delivery and broader planning revenue opportunities across the practice.

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