Planned vs. Origin

Both offer access to a CFP® professional, but the model is different. Origin sells individual sessions at $119 each ($83 for annual members). Planned's Coach plan is an ongoing relationship: messaging Mon–Fri with under 24-hour responses, plus a monthly 30-minute video call, for $199/mo with a 30-day money-back guarantee. There's also a $49/mo Messaging plan: a human coach over messaging, with replies within 2 business days.

Breadth. Origin bundles automated investing, a high-yield cash account, free DIY tax filing, and basic estate documents into one subscription. If you want the most tools for the price and only occasional advice, Origin is a strong value.

It depends on what you need. One session works for a single, contained question. But most financial change happens between sessions: sticking to a debt plan, adjusting when life changes, staying accountable. That's what an ongoing coach is for, and why Planned's coaching includes standing messaging rather than a per-question fee.

No. Planned deliberately doesn't hold your investments or file your taxes; it connects to your existing accounts read-only through Plaid. Coaching is educational and covers budgeting, debt, savings, goals, and accountability, and your financial plan includes retirement and tax areas with next steps, but Planned isn't a brokerage or tax preparer.