There are some annoyances, but they are minor. I'd like a little more granular control over tax rates, but that would add complexity and require additional inputs, something many people understandably want to avoid. Right now, if you want to enter multiple assets or asset classes in a 401(k) account, you have to enter each separately. I'd like one screen that allows me to enter the total account balance, and then type in the percentage of each asset class within the account. I'd also like more discretion over what clients can and can't do if you grant them online access. Overall though, the positives far outweigh the negatives.
MoneyTree Silver remains one of the top choices for modular retirement planning. Its speed allows advisors to generate quick, inexpensive retirement projections for those who need them, and it is a great tool for generating discussions about trade-offs and alternative scenarios for clients at all income levels. I experience no problems at all using the online version, but if I were to use Silver on a regular basis, I'd probably opt for the online/offline combination deal. It is well worth the incremental difference in price.