RightCapital Financial Advisor Blog
Explore the RightCapital blog for planning insights, tools, and news to elevate your practice. Discover expert advice, financial advisor success stories, and valuable resources to enhance client engagement and grow your business.
Q2 in Review: RightCapital's Most Exciting Enhancements
Here’s a close look at the most exciting enhancements from Q2 and how they can help you elevate your financial planning process.
Jun 30, 2025
Why SOC 2 Compliance Matters for Financial Advisors Today
This guide breaks down what SOC 2 compliance actually is, what it means for financial advisors, and how it can give you a leg up with security-conscious clients and prospects.
Jun 27, 2025
How to Start a Financial Planning Business: 2025 Guide
This guide walks you through every step of launching a financial planning business, from registration and compliance to choosing your niche, building your tech stack, and scaling sustainably.
Jun 20, 2025
Portfolio Management Software for RIAs Compared: 2025 Guide
This guide will help you explore the functionality of several popular portfolio management tools, identify how those tools can make your job easier, and empower you to find the best, most user-friendly platform for your firm.
Jun 13, 2025
Estate Planning Software For Financial Advisors: 2025 Guide
This guide is designed to help financial advisors find the best estate planning software for their needs in 2025, with a focus on actionable features and client-centric planning.
May 13, 2025
Financial Dashboard Customization for Advisors: 2025 Guide
In this article, you’ll discover actionable tips and real-world examples of client-facing financial dashboards. This post will showcase how RightCapital’s versions of these visuals can help you simplify the conversation, address client concerns, and deliver a more engaging planning experience to help clients with decision-making.
May 02, 2025
7 Top Financial Planning Software Platforms For Advisors
This guide cuts through the noise to compare the top financial planning software options on the market, helping you identify which solution aligns with your firm's unique needs.
Apr 11, 2025
Q1 in Review: RightCapital's Most Exciting Enhancements
RightCapital's latest updates are designed with a focus on enhancing efficiency, personalization, and strategic planning, from the launch of our innovative Tax Analyzer tool to new visualization features that deepen retirement analysis.
Apr 01, 2025
Key Takeaways from the March 2025 Kitces Report
The latest Kitces Report, “How Financial Planners Actually Do Financial Planning (2024)”, released publicly in March of 2025, analyzes the current state of the financial planning software market.
Mar 18, 2025
7 Differences Between RightCapital and eMoney in 2025
Making a decision about which financial planning software is right for your practice is a big one. eMoney and RightCapital are both leading financial planning software providers. Let’s dig into what makes them different.
Mar 17, 2025
7 Differences Between RightCapital and MoneyGuide in 2025
The decision on which financial planning software to use with your practice can be a tough one. Two leaders in the industry are RightCapital and MoneyGuide. Let’s take a look at the differences between them.
Mar 17, 2025
2025 T3/Inside Information Software Survey: Top 5 Takeaways
This year marked the ninth time RightCapital has appeared in the results of the T3/Inside Information Advisor Software Survey. Here, we reflect on what has changed and what has remained the same.
Mar 05, 2025
5 Insights from Michael Kitces on Tax Planning in 2025
At RightInsights, RightCapital’s inaugural virtual event held in February 2025, Michael Kitces dove into why tax planning is an important service for financial advisors and how to integrate it effectively into your practice.
Mar 03, 2025
Training Opportunities Through RightCapital’s Webinars
Here at RightCapital, we aim to set you up for success, so we offer plenty of free training opportunities, including our weekly interactive webinars.
Jan 16, 2025
Which RightCapital Plan Is Right For You?
Currently, RightCapital offers three subscription tiers, each progressively more advanced: Basic, Premium, and Platinum. But what's the difference between them all?
Jan 09, 2025
2024 in Review: RightCapital’s Most Exciting Enhancements
In 2024, we introduced a range of exciting new features and enhancements designed to save time, improve efficiency, and strengthen advisor-client relationships. Here’s a look at some of the top updates that made waves this year.
Jan 07, 2025
How An Advisor Simplifies Financial Situations of Inheritors
Katherine Fox is deeply committed to demystifying the intricate financial situations of current and future inheritors. RightCapital offers a range of insights that these individuals can easily understand and put into action, without inundating them with too much information or overcomplicated reports.
Dec 02, 2024
How to Make the Most of Your Free RightCapital Trial
We wouldn’t want you to feel rushed during your free trial of RightCapital, so we pulled together a quick guide of how we’d recommend getting to know our financial planning software during that time period.
Nov 26, 2024
Helping Clients Avoid Costly Medicare Mistakes
Medicare open enrollment begins on October 15th and runs through December 7th. Find out how RightCapital can help you guide your clients to make the necessary decisions.
Oct 24, 2024
What Do Advisors Think Is the Best Planning Software?
Here are some words straight out of the mouths (or, rather, the keyboards!) of financial advisors as to why THEY continue to choose RightCapital.
Oct 11, 2024
How This Breakaway RIA Streamlines Client Onboarding
Jim Carlson uses a technology-forward onboarding process to take clients from signing a client agreement to making sure they can begin the planning process.
Oct 09, 2024
What's New From RightCapital? Third Quarter 2024 Edition
Here are the latest enhancements to RightCapital, including one-click tax strategies, onboarding templates, and improvements to our risk assessment tool:
Oct 02, 2024
How This Advisor Motivates with the Impact of Small Changes
Laura Davis guides clients to understand how seemingly minor adjustments in financial behavior could significantly benefit their future financial health and stability.
Sep 18, 2024
Upleveling the Client Experience While Saving $8,400 a Year
A tech-savvy advisor quickly realized how RightCapital enables him to better serve his clients, while consolidating his in-house tech stack. Pivoting to RightCapital unlocked a savings of $8,400 for this advisor.
Sep 03, 2024
Adding Value with RightIntel and Business Intelligence
RightCapital’s business intelligence feature, RightIntel, can help you identify additional opportunities to deliver value to your clients so you can focus on the action.
Jul 09, 2024
What's New From RightCapital in the Second Quarter of 2024?
Here are RightCapital's biggest enhancements over the last three months, including the introduction of a fully integrated risk assessment module, custom vesting schedules, and more:
Jul 01, 2024
Social Media Compliance for Financial Advisors
Many advisors who have not yet started social media are not sure exactly what is allowed—whether by their own compliance teams, the SEC, or FINRA. We recently held a webinar with N2 Content Marketing focused on financial advisor social media compliance to learn the ins and outs.
Jun 18, 2024
Dynamic Retirement Spending Strategies Elevate Your Practice
Learn about the limitations of static, inflation-adjusted retirement spending strategies and explore more flexible options such as staged spending, retirement spending smile, and dynamic retirement spending strategies that automatically respond to unpredictable markets.
Jun 13, 2024
How to Boost Engagement with Financial Planning Clients
RightCapital hosted a recent webinar detailing how financial advisors can elevate client engagement. Here is a roundup of the key takeaways and some bonus suggestions!
May 28, 2024
Why This Advisor Says Choosing RightCapital is a No-Brainer
When Brooke Martinez became an independent planner with Western Wealth Management, she took her time researching different financial planning tools and ultimately decided on RightCapital because of a few “non-negotiables”.
Apr 09, 2024
What's New From RightCapital in the First Quarter of 2024?
From RightFlows™, an industry-first workflow tool, to feature enhancements such as state estate tax calculations and budget category templates, let’s dive into the substantial upgrades that marked an exciting start to the year:
Apr 04, 2024
Successfully Migrating 900 Clients to RightCapital
In an industry where the right technology can make a big difference in client service and overall success, Alchemi Wealth, a Connecticut-based firm, has made strategic decisions that fuel their growth and enhance their service delivery.
Mar 28, 2024
How These Financial Advisors Talk Tax-Planning with Clients
By incorporating tax planning, advisors can elevate their practices while curbing the tax liabilities of their clients through astute tax-friendly strategies. This article explores the tactics used by two real financial advisors in client conversations.
Mar 26, 2024
A Financial Planning Software with "Presentation Quality"
Darin Tuttle, founder and Chief Investment Officer of Tuttle Ventures, had used several financial planning platforms in the past but had found it challenging to present plans during client meetings.
Feb 20, 2024
RightCapital’s Top Product Features & Enhancements of 2023
In 2023, there were more than 60 updates that help advisors visualize cash inflows and outflows with Cash Flow Maps, stay organized with a major Tasks enhancement, maintain order of shared documents with Vault updates, and more.
Jan 03, 2024
How to Attract Prospects with Short-Form Videos
We spoke with short-form video superstars Nick Meyer, CFP®, and Nate Hoskin, CFP® of N2 Content Marketing about how financial advisors can get started on this important marketing effort with just a few ideas, their phones, and good lighting.
Dec 19, 2023
Why This Advisor Is No Longer Embarrassed With His Software
In this video case study, Warren Duthie discusses RightCapital's visualizations, exceptional speed, and the growth in AUM he's seen since integrating RightCapital.
Nov 30, 2023
How Leading with Planning Grew This Firm to $75 Million+
Leveraging RightCapital, the Optima Capital Management team has crafted hundreds of financial plans for clients and prospects, and impressively achieved an AUM of $75 million in just a few years.
Oct 12, 2023
Developments & Highlights from RightCapital in Q3 2023
We’re still riding high on summer updates such as enhancements to the Tasks module and a new tax-filing status, as well as being named a “standout” with the highest satisfaction rating (again!) in the latest Kitces Report.
Sep 29, 2023
eMoney to RightCapital: "A Night-and-Day Difference"
Nicole Burdick was an eMoney user and transitioned to RightCapital when establishing her own firm. Nicole was looking for a more efficient, self-branded platform and found increased client satisfaction, student loan capabilities, and superior visualizations.
Sep 15, 2023
How RightCapital Increased This Advisor’s Closing Ratio
Jonny West, CFP®, of Better Planning, Better Life, was looking to maximize his impact with clients. He now calls RightCapital “the most critical tool” to show clients what kind of lives are possible.
Aug 30, 2023
Highlights from 2023's Kitces Advisor Technology Report
The Kitces team has once again delivered fresh, insightful advisor tech benchmarks in the August 2023 study, “The Technology That Independent Financial Advisors Actually Use And Like.”
Aug 17, 2023
How to Maximize Client Engagement with RightCapital Tasks
We spoke with three firms who are “power users” of RightCapital’s Tasks to learn how they are creating efficiencies for their businesses and helping automate repeated tasks with Task Templates.
Jul 27, 2023
How Switching Software Gave an Advisor More Time for Clients
Advisor Scott Frey switched to RightCapital from MoneyGuidePro and found more time to effect change, an easy transition, increased engagement, more trust from clients, less “technical overhead”, and collaboration and trust with the software.
Jul 25, 2023
Developments & Highlights from RightCapital in Q2 2023
It's that time of year again. Here's a recap of what RightCapital has been up to over the past quarter including visualizations of client inflows and outflows, budget module overhaul, and investment module enhancements.
Jul 05, 2023
Using Technology to Make Financial Planning Accessible
Bonnie Maize of Maize Financial uses flexible, affordable, easy-to-understand, and collaborative technology to provide access to quality financial planning services to all.
Jun 22, 2023
How an Advisor Found More Client Engagement and Innovations
Anthony Ferraiolo is a financial advisor passionate about sharing his financial planning ideas and insights. Here he shares his views on RightCapital and why he switched over from the software he was using while looking for a client-focused solution.
Jun 14, 2023
Minimizing Retirement Tax Liabilities with Roth Conversions
A Roth Conversion strategy can reduce clients’ taxes during retirement and add more tax-free assets to a client’s estate. The concept can almost seem too good to be true, so being able to demonstrate your proposed plan to clients in a way they understand is vital.
May 25, 2023
Advisors' Advice for Switching Software to RightCapital
Are you thinking about switching to RightCapital from eMoney or MoneyGuide? Two advisors share the good, bad, and why behind switching to RightCapital.
May 19, 2023
How to Analyze Client Insurance Needs
Assessing your clients' insurance needs can protect their financial well-being and ensure long-term stability for loved ones.
May 04, 2023
How an RIA Firm Moved Clients from eMoney to RightCapital
We spoke with Green Era Financial about the decision and process of moving their clients from eMoney to RightCapital and what they would recommend for other advisors.
Apr 27, 2023
How Financial Advisors Can Support Divorcing Clients
Earlier this year, we held a webinar “Divorce and Its Impact on Clients” with Carol Lee Roberts, CFP®, CDFA®, President, Institute for Divorce Financial Analysts (IDFA). Your clients may require extra support during this transitional—and often transformational—time in their lives.
Apr 06, 2023
Developments & Highlights from RightCapital in Q1 2023
So far this year, RightCapital updates have arrived as quickly as ChatGPT think pieces on LinkedIn. Catch up on what we’ve been doing over the last three months:
Mar 31, 2023
How Two Advisors Carved out Ultra-Specific and Unique Niches
We spoke with two advisors with ultra-specific and unique niches to learn how they established their practices and what advice they have for others.
Mar 28, 2023
How Advisors Can Add Value for High-Net-Worth Clients
While the majority of clients will find value in financial planning topics such as retirement, budgeting, and Social Security optimization, your wealthiest clients are likely to encounter more complicated estate and tax situations than the average Joe.
Mar 22, 2023
RightCapital Mobile App—Budget, Tasks, Vault Storage, & More
In our latest mobile app release, RightCapital has redesigned the Dashboard, Budget, and Tasks modules, plus—by popular demand—added the secure Vault document storage.
Mar 05, 2023
10 Ways for Financial Advisors to Practice Self-Care
We sat down with Matt Kansy, RD, CPT to discuss how financial advisors can “Lower Stress and Become More Resilient”.
Feb 17, 2023
How to Get the Most Out of RightCapital’s Snapshot Feature
Learn some tips and tricks to ramp up your personalized plan summaries within the RightCapital Snapshot feature, such as creating templates and adding text boxes.
Feb 10, 2023
How Two Advisors Are Taking Visuals to the Next Level
In November 2022, fpPathfinder and RightCapital held a panel with advisors Mike Zung and Travis Gatzemeier who explained how they used visuals within their financial planning practices.
Feb 01, 2023
How to Reflect SECURE 2.0 Act Opportunities to Clients
Just days after the SECURE 2.0 Act was passed and signed into law, RightCapital incorporated the relevant changes into our financial planning software.
Jan 19, 2023
How Data Integrations Make Advisors’ Lives Easier
When members of your tech stack play well with others, life as an advisor becomes easier. Make sure the financial planning software you choose integrates with at least a couple of your favorite software programs.
Jan 17, 2023
RightCapital’s Top Product Features & Enhancements of 2022
In case you’re not caught up (totally understandable), we’ve summarized 10 of our favorite things advisors can now do, with RightCapital platform updates made last year.
Jan 09, 2023
What Does Retirement Look Like to Financial Advisors?
Conceptualization is the first step in making dreams come true. If you can’t visualize it, the chances of attaining it are slim. You may have tried to communicate this to clients. In this exercise, we’d like for you as an advisor to imagine what your retirement looks like.
Dec 02, 2022
Scaling Your Practice with RightCapital Adaptive Technology
RightCapital has adaptive technology to help advisors show clients what will happen to their retirement income when laws change
Nov 29, 2022
How to Optimize Social Security in the New Normal
In 2010, the Social Security Administration (SSA) released a report titled “The Future Financial Status of the Social Security Program.” The report states that “benefits are now expected to be payable in full on a timely basis until 2037, when the trust fund reserves are projected to become exhausted.”
Nov 14, 2022
Using Annuities to Manage Retirement Income in RightCapital
Managing the tax impact of retirement income is essential. The IRS will eventually get paid when withdrawals occur. Annuities can be used to set the timing on that.
Oct 21, 2022
A Roundup of Our Favorite Q3 2022 Updates
Discover improvements and enhancements to our financial planning software from Q3 2022, including our popular Blueprint visual feature, notification center, new Snapshot widgets, and more!
Oct 05, 2022
How This Advisor Helps Clients Make the Right Choices
Maggie Johndrow—managing partner and financial advisor at Johndrow Wealth Management—uses RightCapital to help clients make the right choices for them.
Sep 20, 2022
How One Firm Increased AUM by $30M in Just One Year
Kyle Moore, CFP®, the founder of Quarry Hill Advisors, started his practice to make a difference for his clients. Little did he know that his choice of RightCapital financial planning software would make a $30M difference for his practice in just one year!
Aug 18, 2022
Congratulations to the Investopedia 100 Top Advisors of 2022
Investopedia’s list of 100 Top Financial Advisors of 2022 was released last month and we were so excited to see that 23 of the advisors on the list are using RightCapital to make financial planning a breeze.
Aug 03, 2022
How RightCapital Answers the Top 5 Planning Questions
Watch Ted Denbow, VP, Head of Sales demonstrate a case study about pre-retirees asking five questions about their financial futures that advisors hear most from clients.
Jul 27, 2022
How an Experienced Advisor Started Fresh at His Own RIA
When founding his own RIA after working for a large firm, Andrew Mastro had the opportunity to find “the very best financial planning software” on behalf of clients.
Jul 21, 2022
Debt Management for Financial Planning Clients
If your financial planning software doesn’t have a good way to account for this burden and to determine payment solutions for your clients, you may want to look around and find a software that allows you to do the following:
Jul 15, 2022
Why You Should Offer These Core Financial Planning Services
Ted Denbow, VP/Head of Sales, walked through a case study showing how advisors can address these important services easily within RightCapital’s financial planning software, services that 4/10 RIAs are not offering.
Jul 13, 2022
A Roundup of Our Favorite Q2 2022 Updates
We wanted to fill you in on our favorite updates from the last three months, such as additional flexibility for Roth conversions, firm-wide assumptions, increased trust-planning capabilities, and more!
Jul 06, 2022
Earning New Business with Tax-Efficient Distributions
Mazzarella was searching for a software that was easy to understand from the client perspective but which also offered enough tools from an advisor’s perspective—something he hadn’t yet found on the market.
Jun 30, 2022
This Advisor has 100% Retention Among RightCapital Clients
We sat down with a long-time friend of RightCapital, Matt Fortney in Shelton, Connecticut to discuss how he has been using our financial planning software for the last four years.
Jun 10, 2022
5 Reasons to Generate Leads Within RightCapital
RightCapital's lead generation tool is designed specifically for financial advisors to help them generate, nurture, and convert leads into clients.
May 31, 2022
How to Keep Clients Calm During Times of Volatile Markets
We’ve come up with a few tips to communicate effectively with clients during volatile markets to help alleviate any anxiety.
May 20, 2022
7 Ways Advisors Can Save Time and Increase Productivity
Time is of the essence and it seems each day even more distractions pop up. Below are some suggestions as to how you can save time and increase productivity.
May 13, 2022
Acquiring New Clients with Tax-Efficient Distributions
Provide prospects who are approaching retirement or already retired with a new view on how different retirement distribution strategies could save them thousands or more in taxes!
Apr 29, 2022
7 Considerations When Choosing a Financial Planning Software
Are you on the lookout for a new financial planning software? Or perhaps looking to use one for the first time? Software can be a commitment and we want you to feel confident in your decision.
Apr 26, 2022
The Difference Between Cash Flow and Goal-Based Planning
With RightCapital, advisors can choose from cash flow, goals-based, or a “secret sauce” third option of modified cash-flow.
Apr 20, 2022
A Roundup of Our Favorite Q1 2022 Updates
If you haven’t gotten through all of our weekly emails or if you’re not yet a subscriber, here’s a rundown of some of the enhancements we were most proud to share from January through March!
Apr 05, 2022
How to Make the RightCapital Platform Yours
The RightCapital software is fully customizable so you can truly make it your own! Use our platform to provide your clients with a personalized experience that will always bring them back to you.
Mar 31, 2022
3 Ways to Tackle Student Loan Debt Repayment with Clients
46 million Americans know they need a plan to pay off their debt, but many aren’t sure how to get started and are left feeling overwhelmed and confused. Here are three steps for helping them tackle student loan debt repayment.
Mar 28, 2022
Migrating from Another Planning Software to RightCapital
Learn how to migrate all of your client data, get your clients acclimated to something new, and make sure you’re in your comfort zone.
Mar 23, 2022
What to Expect During a Demo With RightCapital
Each demo is a personalized one-on-one virtual meeting with a member of our Sales Team, at a time that works for you.
Mar 18, 2022
What the RightCapital Book Club Learned From "Atomic Habits"
Whether you are looking to adjust your own productivity or health habits or hoping to influence your clients to form better financial habits, we wanted to share what we learned and loved from "Atomic Habits" by James Clear.
Mar 16, 2022
What Your Planning Software Needs for Millennial Clients
If you’re not already tapped into the Millennial market, we’ve got some tips on features you’ll want to make sure your financial planning software has to best manage this generation’s needs.
Mar 14, 2022
Why Should Advisors Use Financial Planning Software?
The goal of financial planning software is to maximize the success of your clients and to help them understand the purpose of the plan you set forth.
Feb 28, 2022
Your Guide to the RightCapital Client Portal
Our client portal is interactive, but advisors have the flexibility to decide which features their clients can view and edit. You’re still the advisor, but your client will gain confidence and trust by being a part of the journey. If you’re wondering what it is your clients see in the RightCapital client portal and what they can do there, read on.
Feb 10, 2022
8 Tips to Help Financial Advisors Master Social Media
Having a social media presence for your advisory practice is a necessity these days. Here are some easy tips on how you can master social media, once and for all.
Feb 07, 2022
All the Ways to Connect with RightCapital’s Support Team
RightCapital's highest-rated in the industry customer support team can be reached in many ways. Let us know how we can help you!
Feb 02, 2022
Grow Your Business with RightCapital's Prospecting Videos
One of the best ways to capture a prospect’s attention is through video. RightCapital makes it easy for you to prospect through video with our customizable and engaging videos that you can use in whatever ways you see fit.
Jan 31, 2022
RightCapital’s Top Product Features & Enhancements of 2021
A roundup of our Top 10 Product Features & Enhancements of 2021 including Dynamic Retirement Spending Strategies, RightIntel Business Intelligence Dashboard, and more!
Jan 28, 2022
4 Considerations for Clients Investing in Real Estate
The real estate market in many parts of the country has become a hot topic, especially as demand surges, but inventory remains low. With this in mind, it can be expected that financial professionals will be having client conversations around investing or selling real estate. Whether working with a first-time homebuyer or preparing an estate plan for an experienced real estate investor, it’s important to consider all factors before advising clients on how to approach real estate investments. Here are four key considerations to keep in mind.
May 20, 2021
Regulation Best Interest - Get Compliance Ready
On June 30th expanded Regulation Best Interest (Reg BI) rules take full effect. The regulation is designed to provide an additional layer of care and concern for ‘retail customers’ of financial professionals. More simply put, the best interests of your client must come first at all times.
Jun 25, 2020
How Advisors Can Stay Compliant on Social Media
Having a social media presence for your advisory practice is a necessity these days.
Mar 25, 2020
Retirement vs. Disability Benefits: Which For Your Client?
There are many factors that come into consideration when you’re planning a client’s retirement. This is especially true if your client has a disability and you’re not sure if you should recommend they start receiving Social Security disability benefits or simply apply for retirement.
Sep 27, 2019
Advisor Spotlight: Willis Ashby
Learn how the Founder and President of Integra Financial uses RightCapital financial planning software in his advisory practice.
Jun 19, 2019
Show Your Value with Retirement Transition Tax Planning
Learn how Kyle Moore, CFP® founder of Quarry Hill Advisors incorporates retirement transition tax planning into his practice.
Nov 26, 2018
Guest Post | Using Financial Planning to Change Lives
Learn how Meg Bartelt, CFP®, MSFP uses financial planning to change lives with RightCapital financial planning software and the services she provides.
Oct 24, 2018
4 Questions that Simplify Social Security Benefits
It’s never too early to talk to your clients about retirement and long term financial goals. Here are 4 social security questions to review with your clients!
Mar 08, 2018
Tax Planning Opportunities with the Tax Cut and Jobs Act
Learn to explain how the Tax Cut and Jobs Act affect your clients and provide appropriate solutions.
Feb 08, 2018
Engage Prospects with Social Security Strategies
Engage prospects by having a conversation about social security strategies with RightCapital Planning Software.
Nov 17, 2016
Five Considerations for Your Financial Advisor Website
Timothy Baker, CFP® discusses the five critical things to consider when creating a website as a financial advisor.
Jul 27, 2016
Providing Personalized Financial Planning Virtually
Learn how Katie Brewer CFP® started Your Richest Life and how she uses technology to provide personalized financial planning services virtually to Gen X/Y clients.
May 13, 2016
Simplifying Tax Modeling in Retirement Planning
There is no denying that our U.S. tax system has become mind-numbingly complex, but it is equally true that tax expenses can represent a significant portion of many clients’ overall expenses in
Mar 26, 2016
Financial Planners: Identify and Manage Risk
RightCapital compares how banks and life insurance companies identify and manage risk for clients and how financial planners can use those methods.
Mar 10, 2016