#1 Retirement Distribution Planning Tool · 4 consecutive years · T3 Survey
Income Lab shows clients exactly what they can spend, when to adjust, and what happens if markets shift. Guardrails-based planning that turns fear into confidence, in the meeting, not after it.
The Old Way
“You have an 82% probability of success.”
A number and a hope. Not an answer.
The Income Lab Way
“You can spend $8,200 per month. Here's when that adjusts.”
Guardrails. Specific. Actionable. In the meeting.
The 30-year retirement plan. This year's tax strategy. Next meeting's answer. Most tools pick one. Income Lab does all three.
Long-Term Plans
Not a probability. A plan. Specific spending amounts and the triggers that adjust them.
Not "you have an 82% chance." Instead: "you can spend $8,200/month, and here's the trigger that would change it."
When markets fall, the plan adjusts. Show your client before they call you in a panic.
9,000+ claiming strategies per household. Highest-rated Social Security tool in the industry.
2008 crash. Dot-com bubble. Great Depression. Show your client how the plan held up.
Every income source, expense, asset, and liability on one screen. The complete map clients understand.
Turn Plans Into Actions
Your client asks. You answer before the meeting ends. Every number verified, every source cited.
"Should I convert $200K?" Get the exact bracket impact, optimal amount, and IRMAA fallout in seconds.
One extra dollar can trigger $1,800/yr in Medicare surcharges. Penny maps every threshold and flags the cliffs.
Sell the house. Retire early. Start a business. Model any life change against the full plan in real time.
Which account to pull from, when, and why. Year-by-year tax consequences, not guesswork.
Beneficiary optimization, gift vs. step-up, inherited IRA strategies. Conversations that deepen relationships.
Verified math, not AI guesswork.
Included in Income Lab Pro
Both sides connected to the same client plan. No re-entering data. No switching tools.
Income Lab works your way, not ours. Drop in the plans, notes, and conversations you already have. The platform builds the rest.
01 · Plan Builder & Updater
Old plans, intake forms, custodian exports. Income Lab builds the plan from what’s already on your desk.
02 · AI Scribe
Action items, assumptions, and decisions, parsed straight from the conversation. The plan is half-built before you leave the room.
03 · AI Interviewer
Clients answer at their own pace. The plan builds itself as they go. No advisor data entry required.
We work your way. Not the other way around.
Pro is the full Income Lab platform. Spending answers, tax analysis, stress testing, Social Security optimization. Everything from Core. Plus the AI productivity suite that ends data entry, Penny your AI paraplanner, and practice-wide intelligence that surfaces opportunities across every household.
Real questions. Verified answers. Every one connected to your client's actual plan.
The average advisor loses 5 to 8% of clients per year to attrition. The ones who keep them are the ones who bring value proactively, not just reactively. That's what Income Lab is built for.
Answer every question with Income Lab. Show them the plan is working before they ever need to call. That confidence is what keeps clients for the long term and creates organic referrals.
Practice Intelligence scans every household and finds what you'd miss. Not alerts about markets. Actions for specific clients worth specific dollars. Proactive advice that deepens every relationship.
More households means more intelligence. More intelligence means more opportunities. The tool gets smarter the more you use it. Better outcomes, better retention, more referrals.
What Practice Intelligence finds in a single scan
The Johnsons: $180K conversion in the 24% bracket. Window closes in 8 months when pension distributions begin.
The Parks: $2,400 above the IRMAA threshold. One distribution adjustment saves $1,800/yr in Medicare premiums. Two-minute fix, massive client impact.
The Chens: Claiming at 67 vs. 65 puts $42K more on the table. Most tools wouldn't flag this. Practice Intelligence did.
The Thompsons: Charitable intent plus RMD obligation. A QCD strategy saves $8,200 this year. The kind of proactive advice that keeps clients for life.
No other planning tool finds revenue opportunities across your entire practice.
SOC 2 Type II certified · Enterprise-grade security · View all integrations
14-day free trial. All Pro features. No contracts.
See why top advisors choose Income Lab for retirement planning.
Explore the platform, the research, and the results.
Every capability, every scenario, every tool. The full Penny deep dive.
→ Pillar GuideThe complete guide to dynamic spending, adjustment-based planning, and why guardrails replace Monte Carlo.
→ AI ProductivityDrop in old plans, intake forms, or meeting notes. Income Lab builds the plan from what you already have.
→ LearnTraining, live webinars, and on-demand education from the Income Lab team.
→ PlansCore and Pro plans. Transparent pricing. 14-day free trial on both.
→ Ready?See Income Lab in action. Most advisors who see it start using it.
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