Q1 2026 Updates: How RightCapital Saves Advisors Data Entry Time

April 1, 2026

RightCapital screenshot of Smart Import and text "Cut Financial Plan Data Entry Time by 70%: RightCapital's Q1 2026 Updates"

Key Takeaways

  • Smart Import cuts data entry time by 70% or more: Upload documents such as meeting transcripts, account statements, and client emails to automatically populate financial plan inputs using AI.
  • Migrate plans from MoneyGuide reports faster: OCR technology reads PDF reports and translates plan data into RightCapital, eliminating manual re-entry.
  • CSV uploads streamline the entering of insurance schedules and model portfolios: Upload or paste data to build cash value illustrations and holdings-based model portfolios in seconds.
  • New 401(k) loan modeling: Illustrate existing, current, or future 401(k) loans directly within a client's financial plan.
  • Enhanced education planning tools: Customize 529 glide paths, lump sum timing, and additional savings schedules for more precise college funding strategies.
  • AI-powered Help Center Assistant: Find instant answers about RightCapital's features and functionality.
  • Automatic compliance and tax updates: 2026 Roth catch-up rules, updated IRS tax forms, federal & state tax parameters, and return assumptions are already reflected in your plans.

Q1 2026 was all about saving you time. From AI and OCR-powered data entry to streamlined CSV uploads and expanded plan modeling capabilities, this quarter's updates are designed to help financial advisors spend less time on manual tasks and more time delivering great financial plans.

Here's a closer look at how RightCapital's latest financial planning software updates help you work more efficiently.

Cut data entry time by 70% with Smart Import

This quarter, we're thrilled to have introduced Smart Import: A first-of-its-kind offering within financial planning software that transforms the client plan data entry process.

Smart Import leverages artificial intelligence (AI) to:

  • Read data from documents uploaded into RightCapital

  • Identify information relevant to a client's financial plan (such as income, savings, expenses, goals, net worth, and investment account holdings)

  • Translate that information into financial plan inputs

From there, you can review and approve the data before incorporating it into a new or existing financial plan.

Smart Import addresses one of the biggest challenges financial planners face: maintaining accurate and up-to-date information within client plans. Whether you're onboarding a new client or updating an existing plan, spend less time on the manual data entry and more time on the planning that matters to you. Our internal testing shows time savings of 70% or greater compared to manually entering financial plan data.

For more on Smart Import, watch this video:

Migrate financial planning software faster than ever before

Switching financial planning software shouldn't mean hours of manual data re-entry. We also introduced a new offering to support advisors migrating their financial plans from the MoneyGuide platform to RightCapital.

This feature leverages Optical Character Recognition (OCR) technology to transition key plan data from MoneyGuide reports into RightCapital financial plans. The technology reads a financial plan PDF report generated by MoneyGuide software, identifies the key client and planning data in the report, and automatically translates the data into RightCapital planning inputs for advisors to review and add to a plan. The data supported by this technology includes family information, financial goals, and income.

This follows a similar update from RightCapital in October 2025 to support plan transitions from eMoney. These two OCR-powered offerings make it easy to migrate to RightCapital from your previous provider.

For more on migrating plans over from MoneyGuide, watch this video:

Streamline manual entry of insurance schedules and model portfolios

Save even more time and minimize data entry errors with CSV uploads in new sections of RightCapital. Easily update client’s cash value insurance schedules as well as your own model portfolios with a simple upload. Manual adjustments can still be made after the upload. You can also paste data into the respective areas.

Insurance schedules

When entering an existing insurance policy or proposing the purchase of one, use the “Upload schedule” option within the Quick Fill menu. Review and confirm schedule information before incorporating it as that insurance policy’s illustration.

Model portfolios

When adding or adjusting an existing model portfolio, use “Upload Holdings” from the Add Holdings drop down. Confirm security mapping and allocation percentage before finalizing.

Be more flexible with model portfolios

In addition to the CSV upload capability mentioned above, you can now also choose which model portfolios are shared with your clients by toggling on/off the “Share with Clients” option within the Advisor Portal > Models > Portfolios tab. If toggled off, you can still individually share with clients within their respective plans.

You can now also delete the seven default RightCapital Model Portfolios by hovering over the right side of the model within the list.

Model a new or existing 401(k) loan

Support your clients’ short-term needs and long-term financial goals by modeling a 401(k) loan in a variety of ways. Easily illustrate an existing loan, one taken out now, or one taken at a future date. You can also propose 401k loans.

Customize education strategies more precisely

Better align education savings with each client’s unique timeline by further customizing strategies within the Education > Action Items:

  • Enable education glide path: Automatically shift a 529 plan's allocation from one model to another by selecting the starting and ending allocation as well as a timeframe to end the migration

  • Customize lump sum savings timing: Choose when lump sum savings occur based on a calendar year, the student's age, or immediately

  • Schedule additional 529 savings: Set the default additional annual 529 savings option start and end, based on a calendar year, the student's age, or the start of the first or last college goal

Explore RightCapital further with the new AI-powered Help Center Assistant

RightCapital’s Help Center Assistant is a powerful new AI feature embedded directly in our Help Center. Simply ask a question about RightCapital’s features and functionality to find relevant answers instantly. When logged into your account, click the blue “Help Center Assistant” button to:

  • Ask questions anytime to learn about RightCapital’s capabilities

  • Quickly find what you need, with relevant Help Center articles cited

  • Dive deeper by asking follow-up questions

As always, the RightCapital Support team is ready to assist as well.

Stay current as RightCapital takes care of the latest updates for you

You’ve got enough to do, so we’ve updated the following in the RightCapital platform:

  • Roth catch-up contribution requirements for high earners: Consistent with the SECURE Act 2.0 mandate, effective in 2026, we have implemented the provision that catch-up contributions for high earners be made to a Roth

  • Projected tax forms updated to reflect the latest IRS versions: We've updated the projected tax forms in accordance with the latest versions of IRS forms

  • Updated federal tax parameters: The federal tax parameters (including new tax brackets, contribution/income limits, and IRMAA surcharges) for 2026 have been updated on the platform

  • Updated state tax parameters: The state tax parameters (income tax brackets, deductions, exemptions, and estate tax parameters) for 2026 have been updated on the platform

  • Updated return and volatility assumptions: We have updated the historical index return and forward-looking JP Morgan assumptions with the most recent data available

To learn more about these changes as well as updates such as the ability to upload a WebP file type for image uploads and additional client set-up and team sharing options, schedule a demo today and gain access to a free trial:

Frequently asked questions

Smart Import is an AI-powered tool that reads documents (such as meeting transcripts, account statements, and client emails) uploaded into RightCapital and automatically extracts financial data to populate client plan inputs. Advisors review and approve all data before adding to a plan.

RightCapital's internal testing shows that Smart Import can reduce financial plan data entry time by 70% or more compared to manual entry.

Yes, you can migrate client plans from MoneyGuide and eMoney to RightCapital. RightCapital uses OCR technology to read PDF reports generated by MoneyGuide and eMoney, automatically extracting client data (including family information, financial goals, and income) so you can import it directly into a RightCapital plan without manual re-entry.

Yes, you can upload a CSV file or paste data directly into RightCapital to create model portfolios (holdings-based) and cash value insurance schedules. CSV templates are available to help you format your data correctly.

Yes, RightCapital supports modeling existing 401(k) loans, loans taken out immediately, and future 401(k) loans within a client's financial plan, allowing you to illustrate the impact on both short-term cash flow and long-term retirement goals.

RightCapital automatically updates tax parameters, IRS form changes, and compliance requirements (including the SECURE Act 2.0 Roth catch-up contribution mandate for high earners) so your client plans reflect current regulations.

The Help Center Assistant is an AI-powered tool built into RightCapital's Help Center that lets you ask questions about the platform's features and functionality and receive instant, cited answers from relevant help articles.

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