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We are excited to have the work of our co-founder Johnny Poulsen featured in Advisor Perspectives! He wrote a great article on “How the 4% Rule Undermines Advisors and Clients.”
“Income distribution is the most complex aspect of the retirement puzzle. The multiple variables that come with it require complex and dynamic planning, not rule-of-thumb thinking. For an advisor, this is one of the greatest ways to add value.”

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Justin Fitzpatrick, PhD, CFA, CFP - President and Co-Founder of Income Lab
Justin Fitzpatrick, PhD, CFA, CFP

Justin Fitzpatrick is President and Co-Founder of Income Lab, retirement income planning software used by thousands of financial advisors. He developed the guardrails-based approach to retirement income distribution after a decade in financial services at Jackson and seven years in academia at MIT, Harvard, and UCLA. His research on adjustment-based planning has been published on Kitces.com, ThinkAdvisor, AdvisorPerspectives, and FinancialPlanning Magazine.

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Social Security Masterclass Series: The Underappreciated Risks of Social Security Claiming → Income Lab: Retirement Planning Just Got Faster and Easier for Advisors Who Custody With Schwab Advisor Services™ → How Monte Carlo Can Understate Retirement Income Risk Compared To Historical Simulation → The Model FA Podcast “Leveraging Retirees’ Superpowers” with Justin Fitzpatrick →

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