Research Center
Guides, strategies, and analysis for retirement planning professionals
The Risks Hiding in the Social Security Claiming Decision
Justin Fitzpatrick on the risks a break-even chart leaves out of the Social Security claiming decision, with a live walkthrough...
One Household, Every Tax Decision: Holistic Tax Planning in Income Lab
Justin Fitzpatrick works through one hypothetical household in Income Lab, connecting Tax Lab, Penny and Withdrawal Optimizer in a live...
Where the Money Comes From: Building a Tax-Smart Withdrawal Order (CFP CE Webinar)
Explore a repeatable framework for evaluating retirement withdrawal order, with Justin Fitzpatrick. Compare strategies on net-of-tax outcomes.
Your Client Needs Cash. Where Should It Come From?
Is It Worth It? Jason Hamilton’s Candid Answer on Bringing Income Lab into His Practice
Best Retirement Planning Software for Advisors: 2026 Guide
Advisor summary: The best retirement planning software for advisors in 2026 depends on what the practice actually does. Income Lab...
Best eMoney Alternative for Financial Advisors (2026)
Advisor summary: eMoney Advisor holds 35.62% market share according to the T3/Inside Information 2026 Advisor Software Survey, and it is...
The Best AI Tools for Financial Advisors: 2026 Guide
Summary: The best AI tools for financial advisors in 2026 are specialized, not generic. Jump, Zocks, and Zeplyn lead meeting...
How Advisors Use Income Lab in Client Meetings
Forty minutes into a review meeting, Carol, age 70, asks the question the whole meeting was building toward: “Our daughter...
Monte Carlo Simulation in Retirement Planning: How It Works and Where It Breaks
Advisor Summary: A Monte Carlo simulation tests a retirement plan against randomized market and inflation futures and reports how often...
Net Investment Income Tax in Retirement: What Advisors Must Plan For
Executive summary: The net investment income tax (NIIT) is a 3.8% federal surtax on investment income that applies once modified...
How Social Security Is Taxed: Provisional Income Explained
Summary: Provisional income is adjusted gross income (excluding Social Security), plus tax-exempt interest, plus half of the year’s Social Security...
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