Libretto

Libretto is financial planning software for RIAs and multi-family offices. It brings lifecycle planning, total-wealth portfolio construction and risk management together in one platform, as an alternative to the usual mix of risk questionnaires and Monte Carlo simulations. Jeff Coyle founded the company in 2017 and is its CEO. He has more than 25 years of experience advising ultra-high-net-worth clients, was Deputy Chief Investment Officer of Personal Financial Services at Northern Trust, and was Chief Strategy Officer at myCFO. Libretto was first built to streamline advice for ultra-affluent clients and has since been scaled so firms can deliver the same depth to clients of every size.

What the platform does

• Lifecycle Plan: priorities-based planning that answers each client's most important questions over their lifetime.
• Total Wealth Portfolio: bespoke asset allocations that treat investments as "completion portfolios" alongside homes, mortgages, alternatives, private assets, Social Security and human capital.
• Risk Management: maps each client's financial structure to identify specific risks and address them with hedges, reserves, insurance and other strategies.
• Liability-driven and factor-level methods: portfolio construction built on liability-driven investing and factor exposures.
• Personalized deliverables: one-click client-ready outputs.

For family offices

Libretto's household-first, total-balance-sheet approach suits multi-family offices and family office advisors whose clients hold large private, real estate and concentrated positions that standard planning tools handle poorly. It helps teams tie investment policy to each family's actual liabilities and goals. Family offices that need consolidated reporting on top of planning can pair it with Masttro, and those that need legacy and information planning can pair it with leafplanner.

Considerations and fit

Libretto is a planning and advice tool, not a portfolio accounting or performance reporting system. Its methodology differs from risk-tolerance-based planning, so teams should allow time to adopt it. Pricing is not published.

Frequently asked questions

Who founded Libretto?

Jeff Coyle founded Libretto in 2017. He is a former UHNW advisor who was Deputy CIO of Personal Financial Services at Northern Trust and Chief Strategy Officer at myCFO.

Who is Libretto built for?

RIAs and multi-family offices, from solo advisors to fast-growing firms serving complex and ultra-high-net-worth clients.

How is Libretto different from traditional planning software?

It combines priorities-based planning, liability-driven investing and factor-level portfolio construction, instead of relying on risk questionnaires and Monte Carlo simulations.

• Lifecycle financial planning
• Total-wealth asset allocation
• Risk identification and mitigation
• Client-ready deliverables

• Priorities-based Lifecycle Plan
• Total Wealth Portfolio completion portfolios
• Liability-driven investing
• Factor-level portfolio construction
• Risk mapping with hedges, reserves and insurance
• Captures homes, mortgages, alternatives and human capital
• One-click personalized deliverables

Built for Advisors / Wealth Advisors (RIA), Multi Family Office (MFO), Single Family Office (SFO).