Your Money Line Review
Your Money Line is a financial wellness benefit with unlimited coaching from AFC or CFP certified guides by phone, text, email or chat, and an app for budgeting, account linking and credit monitoring.
- Pricing model
- Per employee
- Deployment
- Cloud
Best for
- Healthcare systems and school districts whose staff need help with student loans and PSLF
- Employers that want coaching by text and chat as well as phone
- HR teams that want a fast launch with a client success manager
Not ideal for
- Global employers that need advisors in many countries
- Buyers who want SSO included in the base plan
How we evaluated Your Money Line
This review rests on 16 facts checked against Your Money Line’s official pricing pages and documentation, most recently on . We did not test the product hands-on: the score and the pros and cons use only those verified facts, as our methodology explains, and third-party ratings are quoted, never scored.
Our verdict
Your Money Line pairs unlimited one-on-one coaching from AFC or CFP certified guides, by phone, text, email or chat, with an app for budgeting, account linking and credit monitoring. It reports SOC 2 Type II, offers SSO as an add-on and prices per employee a month on quote.
Strengths
Four ways to reach a coach
Unlimited sessions by phone, text, email or chat, with the same guide every time.
Evidence: Support channels: Phone, chat, email, text
Certified guides
Every guide holds an AFC or CFP certification and sells no products.
Evidence: Key features: Guides hold an AFC or CFP certification, Same guide every time, No product sales, Coaches available 12 hours a day, AI tools 24/7, Free to employees and dependents
Student loan and PSLF help
Schools and healthcare systems use it for one-on-one help with public service loan forgiveness.
Evidence: Industry focus: Healthcare, Education
SOC 2 Type II
Reports completed SOC 2 Type I and Type II attestations and AES 256 encryption.
Evidence: SOC 2 Type II: Yes
Weaknesses
SSO and identity protection cost extra
Both are listed as add-ons to the Essential Plan.
Evidence: Extra costs: Identity protection add-on, Single sign-on add-on
Quote-only pricing
Priced per employee a month on the eligible population; no amounts are published.
Evidence: Pricing model: Per employee
U.S.-focused
Its program, partners and student loan help are built around U.S. employers; no other countries are listed.
Evidence: Headquarters: Indianapolis, Indiana
Price at a glance
Pricing model
Per employee
Price transparency
Quote only
Quick answers
- How much does Your Money Line cost?
- Your Money Line charges per employee per month on your full eligible population, and employees pay nothing. The rate varies with company size, package and terms.Based on Pricing model: Per employee
- How do employees contact a Your Money Line coach?
- By phone, text, email or chat, with no limit on sessions; coaches are available 12 hours a day and the AI tools 24/7.Based on Support channels: Phone, chat, email, text
- Are Your Money Line coaches certified?
- Yes. All its Financial Guides hold an AFC or CFP certification and are trained in financial psychology and behavior.Based on Key features: Guides hold an AFC or CFP certification, Same guide every time, No product sales, Coaches available 12 hours a day, AI tools 24/7, Free to employees and dependents
- Does Your Money Line help with PSLF?
- Yes. Schools and healthcare systems use it for one-on-one meetings that walk staff through public service loan forgiveness.Based on Industry focus: Healthcare, Education
Coverage of core financial wellness capabilities
Each core capability we evaluate in Financial Wellness, checked against Your Money Line’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
9 verified of 9 core capabilities
Financial Wellness
- One-on-one financial coaching
- Financial education
- Personalized planning tools
- Debt and student loan guidance
- Emergency savings support
- Benefits and retirement plan guidance
- Account linking
- Privacy controls
- Aggregate outcome reporting
Specifications
Fit
- Industry focus
- Healthcare, Education
Product
- Modules
- Unlimited 1:1 financial coaching, Smart budgeting and AI insights, Credit monitoring, Financial literacy education, Goals and assessments, Personalized money podcast, Tax filing, Identity protection (add-on)
- Mobile apps
- iOS
Where it ranks
- #2 of 4 scoredFinancial Wellness
- #1 of 2 scoredFinancial Wellness for Education
- #1 of 3 scoredFinancial Wellness for Healthcare
Your Money Line alternatives
Security and compliance
- SOC 2 Type IIYes
- Single sign-onYes
Implementation and support
- Typical implementation
- Typically a few weeks
- Support channels
- Phone, chat, email, text
- Support hours
- Coaches 12 hours a day; AI tools 24/7
About Your Money Line
- Founded
- 2002
- Headquarters
- Indianapolis, Indiana
- Ownership
- Private
Official profiles
Your Money Line: frequently asked questions
Is Your Money Line SOC 2 compliant?
It reports completed SOC 2 Type I and Type II attestations, AES 256 encryption and account linking through MX.
Who founded Your Money Line?
Peter Dunn, known as Pete the Planner. His company Advanced Planning Solutions was incorporated in 2002 and is based in Indianapolis.
Does Your Money Line have an app?
Yes. Its app links bank, retirement and investment accounts, builds a budget, monitors credit and connects employees with coaches.
How long does Your Money Line take to launch?
Typically a few weeks, with a dedicated client success manager for setup, launch and engagement.
What is Your Money Line used for?
Your Money Line, on the market since 2002, is a financial wellness product. Its modules include Unlimited 1:1 financial coaching, Smart budgeting and AI insights, Credit monitoring, Financial literacy education, and 4 more.
Is Your Money Line legit?
Your Money Line is sold by the company of the same name, which was founded in 2002, is headquartered in Indianapolis, Indiana, and is privately held. Your Money Line states that it holds a current SOC 2 Type II report.
What are the best alternatives to Your Money Line?
In our financial wellness ranking, the highest-scored products other than Your Money Line are Financial Finesse, BrightPlan, and SmartDollar. Compared side by side, by reason to switch: Your Money Line alternatives.
What are the pros and cons of Your Money Line?
Strengths documented on the vendor’s own pages: four ways to reach a coach, certified guides, and student loan and PSLF help. It is less suited to global employers that need advisors in many countries and buyers who want SSO included in the base plan.
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