Honest Comparison
RK Sterling vs Holistiplan
Holistiplan is excellent, focused tax planning software. RK Sterling is an integrated AI platform where tax analysis is one of many connected modules. Here is an honest look at how they differ so you can decide what fits your firm.
Facts last verified 2026-07-02
The short version
Both are good products with different shapes. The right choice depends on your firm.
Choose Holistiplan if…
- You want a dedicated tax planning tool and are happy with the rest of your tech stack
- OCR-scanning client tax returns into white-labeled, client-ready tax reports is your core need
- You want a mature tax scenario engine (Roth conversions, QCDs, charitable giving) with years of refinement behind it
Choose RK Sterling if…
- You want tax analysis connected to the same platform that holds your CRM, documents, meetings, and advice workflow
- You want to consolidate multiple per-tool subscriptions into one firm-level plan
- You want AI research and advice generation that draws on full household context, not tax returns alone
What is Holistiplan?
Holistiplan is tax planning software for financial advisors, founded in 2019 by two financial planners. Its core workflow uses OCR to read a client's uploaded tax return and automatically generate a client-ready tax report covering marginal brackets, capital gains, MAGI tiers, and Medicare (IRMAA) premium thresholds, plus scenario analyses for strategies like Roth conversions, charitable giving, and tax-efficient withdrawals. It is known for how quickly it turns a 1040 into a presentable report.
Beyond the core tax product, Holistiplan offers an insurance review module (home, auto, and umbrella coverage gap analysis) and an estate planning module that summarizes wills, trusts, and beneficiary designations. It integrates with CRMs including Redtail and Wealthbox, and with meeting-notes tools including Jump and Zocks. Its calculation engine is deterministic (algebra-based) rather than generative-AI-driven, which the company positions as a tax-accuracy choice.
Holistiplan is priced per household tier with unlimited users. For example, its published Premium tier starts at $1,499/year for 30 households and $2,499/year for 100 households. It is a focused analysis tool by design: it is not a CRM, financial planning engine, document vault, or meeting assistant, and it does not prepare or e-file returns.
What is RK Sterling?
RK Sterling approaches tax analysis from the opposite direction: instead of a standalone tax tool that integrates outward, Sterling builds tax analysis into an integrated platform, so tax insights draw on the client's full household picture (CRM records, extracted document facts, meeting notes, and plans) and flow directly into advice and client-ready content.
RK Sterling is an integrated AI platform for financial advisors, founded in 2025 and based in Denver, Colorado. Rather than assembling a stack of separate tools for planning, CRM, meeting notes, email, and documents, Sterling combines them in a single platform where every feature works from the same household data.
The platform includes an Advice Engine that surfaces client-specific opportunities, advice management, financial planning with One-Click Plans (AI drafts the complete plan with goals, toggles, and scenarios for advisor review), tax analysis, AI-powered research with full household context, a CRM with workflows, workspaces, and tasks, document storage with automatic PII redaction, fact extraction from documents, an AI notetaker, AI email, one-click content creation, and a Claude MCP connector.
Sterling is priced per firm based on active client households, never per seat, with unlimited team members on every plan. AI features are usage-based, so firms pay for what they use. Client data is protected by automatic PII detection and removal before any AI processing, with audit logs for SEC examinations.
Feature comparison
Based on publicly available product information as of 2026-07-02. A dash means the capability exists with limits; see the notes below the table.
| Feature | RK Sterling | Holistiplan |
|---|---|---|
| Advice Engine | ||
| Advice Management | ||
| Financial Planning | ||
| Tax Analysis | ||
| Workflows | ||
| Workspaces | ||
| CRM | ||
| Tasks | ||
| Document Storage | ||
| AI Notetaker | ||
| AI Email | ||
| AI-Powered Research | ||
| Claude MCP Connector |
- Tax Analysis: Core product: OCR tax-return reports and scenario analysis
- Document Storage: Tax document upload and processing; not a general document vault
Pricing comparison
Holistiplan
Published pricing, as of July 2026
- Basic Tax: from $749/year for 30 households (federal-only scanning and scenarios)
- Premium Tax: from $1,499/year for 30 households; $2,499/year for 100 households (adds state tax modeling, Roth projections, client uploads, tax letters)
- Insurance module sold separately; included at higher household tiers
- Unlimited users on all tax plans; annual billing discounts
As published on holistiplan.com/pricing. Verify current pricing with the vendor.
RK Sterling
Per firm, by active households. Never per seat.
- Starter: free for up to 3 active households
- Tier 1: $195/month per firm, up to 100 households
- Tier 2: $495/month per firm, up to 500 households
- Tier 3: $995/month per firm, up to 1,000 households
- Enterprise: custom pricing above 1,000 households
- Unlimited team members on every plan, with no per-seat fees
- AI features are usage-based; every new firm starts with 100 free credits
A worked example
For a firm with 100 active households, Holistiplan Premium is $2,499/year (about $208/month) for tax planning. RK Sterling Tier 1 is $195/month for the whole platform: tax analysis plus CRM, planning, documents, notetaker, email, and research, with AI usage billed separately. The two prices cover very different scopes: Holistiplan is a deep, dedicated tax tool; Sterling's tax analysis is one module of an integrated platform. Interestingly, both price by household rather than per seat.
Where Holistiplan is the better fit
- Your tax-planning workflow centers on turning client 1040s into polished, white-labeled reports; this is what Holistiplan was built for and where it is most refined
- You already have a CRM, planning tool, and meeting assistant you like, and only need the tax layer
- You want the insurance and estate review add-on modules alongside tax
Where RK Sterling is the better fit
- You would rather run tax analysis inside the same system that manages the household, so a Roth conversion insight can become a task, a client email, and presentation content without switching tools
- You are consolidating your stack: Sterling replaces several per-tool subscriptions with one firm-level plan
- You want automatic PII redaction on client documents before any AI processing
Frequently asked questions
Is RK Sterling an alternative to Holistiplan?
For tax analysis, yes. RK Sterling includes tax analysis as part of its integrated advisor platform. The difference is scope: Holistiplan is a dedicated tax planning tool with a mature OCR-to-report workflow, while Sterling combines tax analysis with CRM, planning, document storage, AI research, meeting notes, and email in one platform priced per firm.
Can I use RK Sterling and Holistiplan together?
Yes. Some firms keep a dedicated tax tool while using Sterling as their core platform for CRM, documents, meetings, and advice workflow. Sterling does not require you to drop existing tools to get value from the platform.
How does pricing differ between RK Sterling and Holistiplan?
Both price by household rather than per seat, which is unusual in advisor tech. Holistiplan Premium starts at $1,499/year for 30 households for its tax product (as published in July 2026). Sterling starts free for up to 3 households and is $195/month for up to 100 households, covering the entire platform, with AI usage billed separately.
Does Holistiplan do financial planning or CRM?
No, by design. Holistiplan focuses on tax, insurance, and estate analysis, and integrates with CRMs like Redtail and Wealthbox. It is not a financial planning engine, CRM, or document vault. RK Sterling includes those functions natively.
Does RK Sterling scan tax returns like Holistiplan?
Sterling extracts facts from uploaded client documents (with automatic PII redaction before AI processing) and runs tax analysis from the full household picture. Holistiplan is purpose-built around OCR-scanning tax returns into client-ready tax reports and has refined that specific workflow for years. If a polished 1040-to-report pipeline is your single biggest need, evaluate both directly.
See Sterling for yourself
Start free with your first households, no credit card required, and compare it against Holistiplan on your own real workflow.
Holistiplan is a trademark of its respective owner, which is not affiliated with and does not endorse RK Sterling. This comparison is based on publicly available information, including Holistiplan's own website and product documentation, as of 2026-07-02. Products and pricing change; verify current details with each vendor. If you spot an inaccuracy, email info@rksterling.com and we will correct it promptly.