Swift Chat with Jeff Coyle: Reimagining Wealth Management with 'Total Wealth' Planning and Investing

In this Swift Chat episode, Marie Swift speaks with Jeff Coyle, Founder and CEO of Libretto, about how his wealthtech platform is transforming the financial planning landscape by utilizing a 'total wealth' approach to lifecycle planning and investing. Coyle explains how Libretto enables advisors to move beyond traditional tools like risk questionnaires and Monte Carlo simulations by offering a unified, holistic approach to wealth management. 

The conversation explores Libretto’s origins in serving ultra-affluent families and its mission to democratize advanced planning techniques for clients at all wealth levels. Coyle details how the platform integrates all aspects of a client’s financial life—including human capital, social security, real estate, and business interests—into a comprehensive strategy, using institutional-grade, liability-driven methodologies. 

​The discussion also highlights Libretto’s scalability, its potential to drive organic growth for advisory firms, and the competitive advantages of delivering more robust, personalized client experiences in today’s market.

Learn more about Libretto at https://www.libretto.io/

Libretto is an internet investment advisor registered with the Securities and Exchange Commission. Libretto works with registered investment advisors and other professional advisors and does not advise individual clients. Libretto has engaged Impact Communications, a third-party marketing service provider, to assist with certain marketing and public relations activities. Please visit https://www.libretto.io/disclosure for important disclosures about Libretto’s business and its relationship with Impact Communications.

Listen to Podcast / Audio Version

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Summary of the Conversation

The conversation focuses on how Libretto’s wealthtech platform is changing how financial advisors serve clients. Libretto was designed to bring advanced, institutional-level wealth management strategies to all clients, not just the ultra-wealthy. By unifying planning, portfolio design, and risk management into a single, technology-driven process, Libretto empowers advisors to deliver more robust, personalized, and comprehensive advice—helping clients feel like they’re worth $100 million, regardless of their actual net worth.

Insights and Takeaways

1. Unified, Holistic Wealth Management

• Libretto integrates every aspect of a client’s financial life—including investments, real estate, human capital (future earnings), Social Security, business interests, and insurance—into a single, comprehensive strategy.
• This approach moves beyond traditional, fragmented methods like risk questionnaires and Monte Carlo simulations, offering a more complete picture of client wealth.

2. Personalization for Every Client

• The platform was originally built for complex, ultra-affluent families but is designed to scale down to mass affluent clients, making sophisticated planning accessible at every wealth level.
• Every client receives a “completion portfolio” that fills in financial gaps based on their unique resources and goals.

3. Advanced, Institutional-Grade Methodologies

• Libretto uses a liability-driven framework, common in institutional investing, to address each household’s real risks and objectives.
• Risk management goes beyond market volatility, considering job loss, health, property, disability, and longevity risks—areas often overlooked in traditional planning.

4. Technology-Enabled Scalability

• Libretto’s technology streamlines complex processes, allowing advisors to deliver highly personalized solutions efficiently and at scale.
• The platform can calculate insurance needs, estate planning, and entity structures based on a client’s full financial picture.

5. Competitive Advantage and Market Share

• In a crowded advisory landscape, differentiation comes from delivering a more compelling, robust client experience.
• Advisors using Libretto’s methods can expect deeper client trust, more referrals, and greater wallet share, helping them win in a market where organic growth is increasingly about capturing market share from competitors.

6. Same Process, Different Complexity

• Whether serving mass affluent or ultra-high-net-worth clients, the planning process remains consistent—the difference lies in the complexity and breadth of tools required.
• Advisors can apply the same rigorous methodology to all clients, simply adapting for the specific needs and assets involved.

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Libretto represents a new standard in financial advice, enabling advisors to deliver the kind of holistic, personalized, and sophisticated wealth management that was once reserved for the wealthiest families. By leveraging advanced technology and institutional-grade methods, advisors can better serve every client, stand out in a competitive marketplace, and drive real growth for their firms.