The Case Against Waiting Until 70

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.