Personal Finance Builder

This holistic, online financial wellness platform is designed to provide employees with personalized financial guidance on managing debt and saving for the short- and long-terms through emergency and retirement planning.

Deliver your financial expertise to retirement plan clients while helping build their employees’ financial well-being. Personal Finance Builder can help users pave the path to financial confidence.

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Scalable Personalized Service

Widen your firm’s audience and guide conversations. You can also extend your personalized services, allowing users to further engage with your wealth expertise.

Powered by Morningstar Retirement’s Next Best Dollar Methodology

Our research-driven methodology powers the RIA-delivered guidance provided by Personal Finance Builder. Next Best Dollar offers employees recommendations on their emergency savings, debt management, and retirement planning.

Seamless User Experience

We integrate with third-party data sources, helping to make it easier for employees to connect their financial accounts to Personal Finance Builder.

Competitive Benefits Package

Employees are seeking more financial guidance from their employers. Help your clients differentiate their benefits with a cutting-edge online financial wellness platform.

57% of employees say finance is the top cause of stress in their lives.¹

—PwC’s 2023 Employee Financial Wellness Survey

With employee financial stress on the rise, it’s more important than ever to provide support. Here’s how our platform can help your clients build brighter financial futures.

Stronger Financial Foundation for Employees

Personal Finance Builder helps users build their financial foundations by empowering them to distribute their income effectively and grow their potential for wealth through guidance on savings rates.

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Actionable Guidance

The platform doesn’t just offer a checklist of things to do. Users are given next steps and can act directly in the platform itself.

Personal Finance Builder Features

Personal Finance Builder's many capabilities make it a robust financial wellness platform.

An illustration showing an advisor support interface in Personal Finance Builder.

Direct Advisor Support

If your firm enables this option, Personal Finance Builder can create an easy avenue for a user to individually contact an advisor for even more personalized financial guidance.

Co-Branding

Put your firms’ stamp on Personal Finance Builder’s user interface. Our platform is an extension of your services, so we provide co-branding capabilities based on your preferences.

An illustration showing a financial overview interface in Personal Finance Builder.

Account Integration

Users can directly link checking, savings, and retirement accounts through third-party account integration. This provides up-to-the-minute data for Personal Finance Builder to generate a tailored strategy.

Educational Insights

With Morningstar Inc.’s proprietary research and AI model, users have access to tailored educational insights that they may consume when and how they want.

Insights

Research

05 min

Retirement Income Planning: The Financial Advisor’s Playbook

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1. PwC. 2023. PwC’s 2023 Employee Financial Wellness Survey. https://www.pwc.com/us/en/services/consulting/business-transformation/library/employee-financial-wellness-survey.html.

©2025 Morningstar Investment Management LLC. All rights reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Retirement offers research- and technology-driven products and services to individuals, workplace retirement plans, and other industry players.

There can be no assurance that any financial strategy will be successful. There is no guarantee that the results of and guidance will be achieved. The information contained in this document is the proprietary material of Morningstar Retirement. Reproduction, transcription, or other use, by any means, in whole or in part, without the prior written consent of Morningstar Retirement, is prohibited. Opinions expressed are as of the current date; such opinions are subject to change without notice. We shall not be responsible for any trading decisions, damages, or other losses resulting from, or related to, the information, data, analyses or opinions or their use.

Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc., is not acting in the capacity of adviser to any Personal Finance Builder licensee or user. The information, data, analyses, and opinions presented in Personal Finance Builder do not constitute investment advice, are provided solely for informational purposes and therefore are not an offer to buy or sell a security. Recommendations generated by Personal Finance Builder are based on the information provided.