Your Clients Ask ChatGPT First. Here Is What It Cannot Sell.
Clients ask ChatGPT before they call you. Advisors win by selling what it disclaims: a license, a fiduciary duty, and computed numbers.
RAP Is the Default. For Your Best Clients, It’s the Wrong Plan.
On July 1, RAP became the default income-driven plan. For high earners and PSLF-track clients, the default is often the expensive choice. Here is how to spot the gap before your clients lock in.
There Was No Go-To Student-Loan Tool in 2018. Then the Rules Got Rewritten.
In 2018, back when most financial-planning software treated student loans as an afterthought wedged between insurance and estate, Kitces.com published the guide the niche didn’t know it needed: “Best Student Loan Planning Software For Financial Advisors.” It walked through the tools advisors actually had, gave real credit to the rise of the Certified Student Loan […]
A Control Your Diligence Team Can Inspect: How We Separate Arithmetic from Assumptions
This is the third in a short series. The first piece described the self-checking AI loop we built; the second showed what that precision looks like in an advisor’s client meeting. This one is for the people who have to approve a vendor before any of that reaches a client: the risk, compliance, and diligence […]
The Numbers an Advisor Can Stand Behind: RAP, the New Standard, and PSLF, Done Right
We recently wrote about the self-checking loop we built to hold federal student loan math exact to the cent. That piece was about the engine. This one is about the meeting, because the only place precision matters is across the table from a client. Here is what it looks like when the math is something […]
An Enterprise Standard in Federal Student Debt Repayment, Built on a Self-Checking AI Loop
The future of a company isn’t the model it rents. It’s the loop it owns. Here’s ours, running in the one place you can’t fake precision. There’s a shift happening in how companies get built, and most of the conversation about it is still abstract. Let me make it concrete, because we’ve been living inside […]
Which Clients to Re-Model Before July 1: An Advisor’s Checklist
Published by Finology Software · For financial advisors On July 1, 2026, the Repayment Assistance Plan (RAP) becomes the default income-driven plan, SAVE/PAYE/ICR begin sunsetting, and new borrowing limits take effect. For the borrower sitting across from you, this isn’t abstract policy, it changes their actual payment, and in several cases it creates hard deadlines […]
Why Your Best Clients Haven’t Told You About Their Student Debt Yet
Roughly 43% of HENRY households, dual-income professionals aged 30 to 45 earning between $200k and $500k, are carrying federal student debt into their retirement planning conversations. Their advisors know about the 401(k)s, the RSU grants, the mortgage, the 529s, the deferred-comp picture. Most have never been shown the loan balance, the interest rate, or the […]
Two Sets of Federal Loans, One Household: The Multigenerational Planning Conversation You’re Avoiding
A 57-year-old dentist walks into your office. She’s on track to retire at 62. Her husband co-signed Parent PLUS loans for their youngest, who is a junior at a private university in the Midwest. Her son, a registered nurse at a nonprofit hospital system, has $78,000 in federal loans and is four years into Public […]
Multigenerational Student Loan Planning: A New Era for Financial Advisors
Across the country, financial planners are seeing a rapid shift in how families approach higher education and long-term financial strategy. For the first time in modern U.S. history, multigenerational dynamics sit at the center of financial planning and student loans are one of the primary drivers. As federal repayment resumes and new regulations take shape, […]