PlanTogether by MyFinancialApps - Client Budgeting App & Canadian Compliance

Invite to finished budget

Minutes, not hours. And the minutes aren't yours.

About 2 minutes from you for a one-time profile, four fields to invite, then about five minutes from your client for their household and goals and about 5 minutes more for their budget. Not an afternoon of re-keying. Every step below is the app's own screen and the app's own words.

1You

Invite.About 2 minutes, once

First name, last name, email, confirm email, one button. The client gets an email that says you invited them to PlanTogether and points them at the app. Your own setup is a single profile walkthrough of about two minutes, and it includes the Budget Access choice: budgeting on for every client, or for one client at a time. That choice is yours; clients can't switch it on themselves.

Invite a Client - four fields and one button

2Your client

Tells the app about themselves.About 5 minutes

"Your invitation's here." From there the app walks them through their household, their contact details and their goals, and it saves every step as they go. Goals come from a list they pick from, things like an emergency fund, a house, retirement, the kids' education, a vacation. Less than 5 minutes, then they're off and running. You keyed none of it.

Invitation accepted About 5 minutes

Welcome aboard - "Your invitation's here."

3Your client

Builds their budget.About 5 minutes

"You said budgeting matters - let's build yours." Income, housing, debts, everyday spending, and then the reveal: Left over every month, money in against money out, with a flow bar that moves. The app offers the Payday Planner and the Cashflow Calendar, then "Finish - open my budget." A completed budget, and you haven't opened a spreadsheet.

Their screen says it plainly: "That surplus is where every plan starts - savings, protection, paying debt down faster. Your advisor can help you put it to work."

About 5 minutes Left over every month

"You said budgeting matters - let's build yours."

The reveal - "Left over every month" and the flow bar

4You

Review current numbers.Whenever you're ready

Insights shows the onboarding journey and app activity for each client, every entry labelled client or advisor. You're notified at the milestones (invite accepted, onboarding complete, budget built, life-insurance analysis done), not on every edit. Open the Client File and the numbers are theirs, entered once, by them, in the file you plan from.

Insights - app activity for a client, newest first, each entry timed

Invite your first client

From an advisor's first client on the app

Her first client on the app finished setup before she had learned it herself.

Dawn Ewing, an advisor with DFSIN, gave a client the app with one line, "want to try it on this app", before she had learned it herself, and the client set up their household, goals and budget on their own. In Dawn's words: "She went and did everything faster than I knew how to do it. I was like, I guess I better figure out how to use this."

By the second meeting Dawn had the household, the goals and the numbers in the needs analysis, with the names spelled the way the client spelled them. The budget showed what was left over every month, and the client decided what it was for: $183 a month of insurance to protect their family, and a $100,000 pension that moved into the plan. The client did the work. The app did the first meeting. Dawn did the advising.

Dawn Ewing, Advisor, DFSIN · one client's story, as Dawn tells it

Invite your first client →

Set up by the client Ready before meeting two

The client's budget reveal - "Left over every month", money in against money out

What you stop doing the day you sign up

No second app. No spreadsheet. No thread of figures.

PlanTogether replaces the second app, the spreadsheet, the paper file and the text-and-email thread of figures with one file the client fills in once and you both work from. Nothing gets keyed twice, and nothing gets lost between meetings.

Today: the second app and the spreadsheet A budgeting app for them, a planning tool for you, and a spreadsheet in between. You re-key their numbers into your file after every meeting. "The Excel spreadsheets, it's very heavy for me to do … and a lot of people don't use spreadsheets." · Dawn Ewing, Advisor, DFSIN

Today: the paper file and the thread Figures arrive by text and email, one at a time, and go stale by the next meeting. "Send me your latest", then a plan rebuilt from whatever came back.

PlanTogether Numbers entered once, by the client, into the one file both of you work from. You invite and review. Current because the client keeps it current.

Your second reason to sign up

Your clients will love the budgeting app, and that keeps your file current.

The five tools give clients their own reasons to open the app: a paycheque to allocate, bills coming due, a daily balance to confirm, a debt-free date to drag closer, goals to fill in. Each visit keeps the numbers you plan from current, without you asking.

At a glance

"Am I going to be okay?"

Safe-to-spend, a 12-month runway of their projected balance, and a debt-free date, on one screen. They come back for the number.

Debt Freedom

A finish line they pull closer.

Snowball or Avalanche, plus an extra-payment slider: an extra $200 a month, for example, moves the debt-free date 13 months sooner. They come back to drag the date, and the debt figures they're dragging are the ones you plan from.

"I believe in the Snowball method, because if we were already making the right math decisions, we wouldn't have debt." · Dawn Ewing, Advisor, DFSIN

Household Budget

Where the money actually goes.

Income and spending by category, surplus or shortfall at the top. They come back when a bill changes, because the budget is where they change it.

Payday Planner

Every dollar has a job by payday.

Each paycheque gets allocated as it lands, with a bar showing what's assigned and what's left. They come back because payday comes back.

Cashflow Calendar

See the squeeze before it happens.

Income and bills day by day, with a daily balance and transactions to confirm as they land. They come back because tomorrow's balance is on it.

The client's home screen says it for us: "Each card is a piece your advisor plans from. Keep them current and your next meeting starts from where you are - no reconstructing the year from memory." Their budget is a projection of the same financial data your life-insurance needs analysis and net worth are built from. Maintaining one is maintaining the other. It is current because the client keeps it current.

See all five tools, up close →

In their words

What one advisor and her clients say after the setup.

These are the words of one advisor, Dawn Ewing of DFSIN, and her clients as she tells it, quoted with her permission from a recorded review of the app. No composite, no averaging, one practice.

A paper person, on her phone

"I really love paper, but I keep losing my papers. Now it's just easier because it's on my phone."

AA client of Dawn'sas Dawn tells it

Ready before the second meeting

"She filled everything out on the app. So I knew how to spell their names and had everything in our financial needs analysis before our second meeting, which was super helpful."

DDawn EwingAdvisor, DFSIN

Clients bring their friends

"The app is a great way to attract new clients."

D Dawn Ewingon a client's friend who had never worked with an advisor, sent her way by the client and asked to try the app

For Canadian advisors, a third reason

The numbers your clients entered also write the compliance file.

For Canadian advisors, the client's self-onboarding is what lets the Fact Find and the compliance file write themselves: the Fact Find generates from the data the client entered and keeps current, and the Advisor Disclosure builds from your one-time profile. Two named modules, Canada only. Client-Level Compliance runs on every client file. Sale-Level Compliance runs on every life sale.

Client-Level Compliance Sale-Level Compliance

Client-Level Compliance

It already knows what's missing.

Your dashboard opens on a To-Do, "N client files need a bit of work", with the exact forms each file is missing, so you don't open a file to find out whether it's a problem.

Generated, not typed. The Fact Find from the client's own data, the Advisor Disclosure from your profile, Privacy Consent in the wording for the client's jurisdiction. You preview, get it signed, and record it on file.
A Fact Find that stays alive. The client confirms it, and it re-opens on a material change: "Since you last confirmed", or "Nothing has changed".
Rules for every province and territory. Built from primary sources - CLHIA, CCIR/CISRO and all 13 provincial and territorial regulators. Covers every province and territory, including Quebec's AMF Notice of Replacement.
Signed, dated, on record. E-signature built in at no extra cost on the Compliance plan, or paper with the copy recorded on file. Seven-year retention with a disposal audit, so "show me your records" is a short conversation.

Compliance To-Do - the client files that need work, and which forms

Client-Level Compliance keeps every file audit-ready. When one of those files becomes a life sale, Sale-Level Compliance takes over.

Sale-Level Compliance

Every life sale, in the sequence auditors check for.

For Canadian advisors, Client-Level Compliance watches every client file - disclosure, privacy consent, fact find confirmation, needs analysis, document retention - and Sale-Level Compliance gates each life sale in the sequence auditors check for: needs analysis, a reason-why letter or replacement paperwork (including the Quebec AMF notice), and the policy delivery receipt - every step dated, signed copies on record, in every province and territory. A life sale can't start until the client-level foundation forms are signed.

See the whole life sale, step by step →

What it costs, and who pays

PlanTogether bills the advisor, not the client.

You subscribe on the tier that fits your practice; what your clients pay for the budgeting app is yours to set, client by client. Name one price, or a different number for every client at your table.

If you price it, here's the math

1 You subscribe on the tier that fits your practice. PlanTogether bills the advisor, not the client.

2 Set what your clients pay for the budgeting app. Say $29 a year.

3 Two dozen clients at $29 a year is $696, more than a year of Starter or Planner.

✓ Every client after that is margin, yours to keep.

And whatever you charge, it's the connected one

The standalone budgeting apps your clients might pick up on their own are the second app; none of them feeds the plan your client is building with you. This one lives inside it. Every number the client keeps current in the budgeting app is a number your plan already has. That's not a cheaper app, it's the connected one.

Pricing

Start at $0. Pay when your practice grows past 5 clients.

The price below is your own subscription, the tier that matches how much of your practice you want the app to carry. PlanTogether bills the advisor, not the client, and your first 5 clients are on us. Setting up takes about two minutes; your first invite is four fields.

SetUp

The complete app, your first 5 clients on us.

$0/month

$0 for you. PlanTogether bills the advisor, not the client.

Every feature unlocked: budgeting app, planning, insurance and compliance
You plus your first 5 clients who accept your invite
No credit card, no trial clock
Past 5? New client cards wait until you pick a plan.

Get started

Starter

Scale past 5, with the full budgeting app for every client.

$29/month

Every client past your first 5
The full budgeting app: At a glance, Debt Freedom, Household Budget, Payday Planner and Cashflow CalendarBudget Access on for every client, or client by client.
What you charge clients for the budgeting app is your call.

Choose Starter

Planner

Everything in Starter, plus the planning tools.

$49/month

Everything in Starter
Financial planning tools
Full life-insurance analysis module
Savings and investment balances

Choose Planner

The one advisors stay for

Compliance

Everything in Planner, plus both compliance modules.

🍁 Canada Only

$79/month

Everything in Planner
Client-Level Compliance - every file: file checks, deficiencies named per client, the living Fact Find
Sale-Level Compliance - every life sale in order: needs analysis, reason-why or replacement paperwork, delivery receipt
Generated forms, rules for every province and territory, e-signature built in at no extra cost, signed copies on record and a dated audit trail

Choose Compliance

Paid plans replace one another - never stacked.

You're early. That's the edge.

The full app is live today, and you'd be a founding advisor.

PlanTogether is live on iOS and Android now, every screen on this page is a real screenshot, the first advisors are using it with their own clients, and the advisors joining today are founding advisors with a direct line to the founder.

Why we built it

Solo and small-team advisors have a planning platform they like, and no client app to hand their clients. So the "portal" becomes a spreadsheet, a file drive and an email thread, and the plan goes stale the day the meeting ends. PlanTogether by MyFinancialApps is the budgeting app your clients set up themselves, so the file you plan from is current without you asking.

MFA From the founderMyFinancialApps, LLC

Where we are right now

Every screen on this page is a real screenshot of the live app: the client budgeting app, financial planning, the life-insurance analysis, and both compliance modules for Canadian advisors, all shipping today.

NOWBuild statusSeptember 2026

Become a founding advisor

Your first five clients are on us. As you grow you get a direct line to the founder and real input on the roadmap. Set up your profile in about two minutes and invite one client to see the setup happen from their side.

YOUFounding advisor inviteOpen now

Questions

PlanTogether, in plain terms.

What is PlanTogether?

PlanTogether is a financial-planning app for life-insurance advisors and their clients: clients get their own budgeting app on iOS and Android, and Canadian advisors get two named compliance modules - Client-Level Compliance and Sale-Level Compliance. Clients enter their own household, goals and budget once, through a guided app, so the advisor's work is inviting and reviewing, and the plan stays current because the client keeps it current.

Who is PlanTogether for?

PlanTogether is built for solo and small-team life-insurance advisors in Canada and the United States, and for the clients they serve. Advisors use it to have clients enter and maintain their own household data, goals and budget, and Canadian advisors also use it to keep audit-ready compliance files on every client and every life sale. Clients use it as their own budgeting app between meetings.

What does PlanTogether cost?

PlanTogether bills the advisor, not the client. Advisors start on the SetUp plan at $0 per month, with every feature included and their first 5 clients on us, and move to Starter ($29), Planner ($49) or Compliance ($79, Canada only) when their practice grows past it. Paid plans replace one another - never stacked. Full details are on the pricing page.

Is PlanTogether available in the United States?

Yes. PlanTogether works in Canada and the United States: clients in both countries get the same budgeting app on iOS and Android, and advisors in both countries invite clients, review their files and plan from the same current numbers. The two compliance modules, Client-Level Compliance and Sale-Level Compliance, are built for Canada only, on per-jurisdiction rules for every province and territory.

Invite one client. Watch the setup happen without you.

About 2 minutes to set up your profile, four fields to invite, and your client enters their household, goals and budget in about five minutes each. Minutes, not hours, and their numbers go in once, by them, into the file you both work from. In Canada, the compliance file writes itself from the same data. Your first 5 clients are on us, no credit card.

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