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Live Webinar Thursday, September 24, 2026 · 3:00 PM ET

One Household, Every Tax Decision: Holistic Tax Planning in Income Lab

A withdrawal, a Roth conversion and a Medicare surcharge are connected decisions. Watch Justin work through one hypothetical household in Income Lab, from the broader tax picture to a one-time request for cash.

Justin Fitzpatrick
Justin Fitzpatrick, CFA, CFP® President & Co-Founder · Income Lab
What you'll walk away with
  • Compare withdrawal and Roth strategies in Tax Lab.
  • Explore planning questions with Penny, included in Income Lab Pro.
  • Plan a one-time cash request with Withdrawal Optimizer.

No slides. Justin works through one hypothetical household live. This session does not offer CE credit.

Save Your Seat

Thursday, September 24, 2026
3:00 PM ET / 2:00 PM CT / 1:00 PM MT / 12:00 PM PT
60 minutes
Free to attend

After registering, check your email for your personal join link.

See the decisions together.

No slides. Justin builds the example live, showing the tradeoffs he would discuss with a client. Projections are estimates, not guarantees. IRMAA estimates use current MAGI as a proxy in the first three plan years. Penny analyzes and suggests; the advisor approves and applies.

Compare the tax strategies

See how income stacks inside federal tax brackets in Tax Lab, then compare withdrawal strategies on estimated net income, net legacy and total taxes. Explore Roth conversion strategies alongside Medicare IRMAA considerations and charitable giving within the household plan.

Put a question to Penny

See Penny analyze planning questions using household information and suggest next steps for the advisor to review. Penny comes with Income Lab Pro.

Work through a cash request

Use Withdrawal Optimizer to plan a one-time withdrawal in the current tax year. Compare funding sources and estimated tax consequences before the advisor acts.

For educational purposes. Hypothetical scenarios are illustrative and do not provide tax or legal advice for a specific client.

Meet Your Host

Justin Fitzpatrick, PhD, CFA, CFP®

President & Co-Founder · Income Lab

Justin Fitzpatrick
PhD, MIT CFA® Charterholder CFP®

Justin co-founded Income Lab in 2018 to close a gap he saw across the industry: advisors lacked a way to give retirees a concrete, trustworthy answer to "how much can I spend?" He built the risk-based guardrails methodology now used by thousands of advisors, replacing probability-of-success scores with a specific spending number and dynamic adjustment rules that update automatically as conditions change.

Before Income Lab, Justin spent a decade at Jackson leading advanced planning teams and developing financial technology. He also spent seven years in academia, teaching at MIT, Harvard, Queen Mary University of London, and UCLA. He holds a PhD in Linguistics from MIT, a CFA Charter, and CFP certification.

His research and writing have appeared in Kitces.com, ThinkAdvisor, AdvisorPerspectives, and Financial Planning Magazine, and he speaks regularly at the CFP Board Research Colloquium and at NAPFA and FPA conferences.

Featured in

Kitces.com · ThinkAdvisor · AdvisorPerspectives · Financial Planning Magazine · CFP Board Research Colloquium · NAPFA · FPA

This session does not offer continuing education credit. Withdrawal Optimizer plans and quantifies a one-time withdrawal; it does not execute trades or move money.

Before the Webinar

Explore the framework before the webinar.

Resources for retirement income and tax planning.

Framework

The Guardrails Methodology

The risk-based framework behind every Income Lab plan. The reason the math holds up through a real market.

→ Framework

The Retirement Paycheck

How much your client can actually spend in retirement, and how that number updates as the world moves.

→ Tax Planning

Explore Tax Lab

Compare retirement withdrawal and Roth conversion strategies within a household plan.

→ Deep Dive

Retirement Income Guardrails

Triggers, adjustment sizes, and the client conversation. The complete guide, end to end.

→ AI Paraplanner

Meet Penny

The Income Lab Pro paraplanner that builds and updates plans alongside you, with verified math.

→ Ready?

Book a Walkthrough

See the Income Lab platform live on a call.

→

Reserve your seat.

Thursday, September 24, 2026 · 3:00 PM ET · 60 minutes · Free for advisors.