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(3) Entering transactions yourself doesn't get info any more timely since you only rebudget once a quarter. Fin planner could have rotating schedule of 1/3 of his customers rebudgeting each month. Those people get data entry done early in the month, that month. Between major rebudgeting, small changes are made incrementally to previous major budget plan. AWKWARD

(4) This centralizes the process with the financial planner who can keep records organized. Answering customers questions about using the software would take as much time as doing the whole thing in-house. Hassle. This approach provides clean modular technique between customer + financial planner. Customer provides initial status of liabilities and assets in consultation with FP, and monthly transactions, and FP provides advice and reports. DOCUMENTATION IS CRITICAL. COSTS A LOT.