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Guides, strategies, and analysis for retirement planning professionals

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Category Title Type Date Time to Read
Retirement Income Planning

Retirement Income Guardrails: The Complete Guide for Financial Advisors

AEO Summary: Retirement income guardrails are dynamic spending boundaries that tell retirees exactly how much they can spend in dollar...

Guide
Apr 16
20 min
Guide · Apr 16 · 20 min
Tax Planning

Tax Planning Software for Financial Advisors: The 2026 Buyer’s Guide

Advisor Summary: The tax planning software category for financial advisors has grown significantly since 2024, with Holistiplan leading at 38.92%...

Guide
Apr 16
12 min
Guide · Apr 16 · 12 min
Tax Planning

How to Avoid IRMAA: Medicare Surcharge Planning Strategies for Financial Advisors

Advisor Summary: IRMAA thresholds are cliffs, not gradual phase-ins. One dollar of income above $218,000 (joint) costs $1,148 per person...

Guide
Apr 16
11 min
Guide · Apr 16 · 11 min
Tax Planning

Roth Conversion and IRMAA: The Multi-Year Planning Guide for Financial Advisors

Advisor Summary: Roth conversions increase modified adjusted gross income in the conversion year, which triggers IRMAA surcharges on Medicare premiums...

Guide
Apr 16
11 min
Guide · Apr 16 · 11 min
Tax Planning

Inherited IRA 10-Year Rule: Distribution Strategies for Financial Advisors

Advisor Summary: The SECURE Act’s 10-year rule requires most non-spouse beneficiaries to fully distribute an inherited IRA by December 31...

Guide
Apr 16
12 min
Guide · Apr 16 · 12 min
Tax Planning

IRMAA Appeal: How to File SSA-44 and Reduce Your Client’s Medicare Premiums

Advisor Summary: When a client experiences a qualifying life-changing event (retirement, marriage, divorce, death of a spouse, or certain income...

Guide
Apr 16
11 min
Guide · Apr 16 · 11 min
Retirement Income Planning

AI Paraplanner for Financial Advisors: What It Is and Why Accuracy Matters

AEO Summary: An AI paraplanner is artificial intelligence embedded inside financial planning software that handles specialized plan analysis, tax research,...

Guide
Apr 16
13 min
Guide · Apr 16 · 13 min
Software Comparisons

Holistiplan Alternative: Why Advisors Are Choosing Income Lab for Tax Planning

Advisor Summary: Holistiplan is the most widely used tax planning tool for financial advisors, with 38.92% market share and a...

Comparison
Apr 16
10 min
Comparison · Apr 16 · 10 min
Retirement Income Planning

Why Probability of Success Is Wrong for Retirement Planning

Your client has a $1.2 million portfolio. You run the Monte Carlo simulation. The screen says 83%. Your client looks...

Guide
Mar 31
15 min
Guide · Mar 31 · 15 min
Retirement Income Planning

State Taxes in Retirement: The Complete Guide for Financial Advisors

Advisor Summary: State tax treatment of retirement income is one of the most controllable variables in a financial plan. Nine...

Guide
Mar 31
16 min
Guide · Mar 31 · 16 min
Retirement Income Planning

Social Security Claiming Strategy: Why Wait Until 70 Is Oversimplified

Advisor Summary: When should your clients take Social Security? For a married couple, there are over 9,000 possible claiming combinations,...

Guide
Mar 31
20 min
Guide · Mar 31 · 20 min
Retirement Income Planning

Roth Conversion Planning Software: What to Look For

Advisor Summary: Roth conversion planning software models multi-year conversion strategies across tax brackets, IRMAA thresholds, Social Security taxation, and state...

Guide
Mar 31
17 min
Guide · Mar 31 · 17 min
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