Jeff Coyle, CEO of Libretto, sat down with Julie Cooling, Founder & CEO of RIA Channel, to discuss how Libretto is redefining the wealth planning experience for advisors and their clients.
“We see Libretto as the next generation of wealth planning,” said Coyle. Libretto was initially built to address the complex financial needs of ultra-affluent families, but its mission has since evolved to make those sophisticated planning strategies accessible to every client.
Libretto avoids traditional risk questionnaires and models. Instead, it applies a liability-driven framework to lifecycle planning—empowering advisors to build portfolios that account for a client’s entire balance sheet, including:
- Homes and mortgages
- Human capital and future earnings
- Social Security (treated as an illiquid, inflation-protected bond)
- Private assets and operating businesses
- Expected estate inflows
Rather than relying on a one-size-fits-all 60/40 model, Libretto functions as a “completion fund,” recognizing a household’s existing resources and filling in the gaps to create a comprehensive, tailored portfolio.
Coyle emphasized Libretto’s commitment to advisor support, highlighting its extensive professional development programs and white-labeled communication materials—including a one-click Personal Strategy Letter that presents a full-picture view of a family’s financial strategy.
To learn more, visit Libretto.io
This interview is being conducted by RIA Channel. RIA Channel is not affiliated with Libretto LLC (“Libretto”), nor is RIA Channel compensated by Libretto for conducting or publishing this interview. Libretto has provided the interviewer with a set of suggested questions in advance for convenience and preparation purposes; however, the interviewer is free to modify or ask additional questions at their discretion.
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Libretto is an SEC-registered investment advisor; however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. Libretto provides advisory services to registered investment advisors and other professional advisors and does not advise individual clients.