Kitces published a great article co-authored by Derek Tharp and Income Lab co-founder, Justin Fitzpatrick. In the article they explore how Monte Carlo simulation can actually *understate* retirement income risk relative to historical simulation at probability of...
Resources
Grow your knowledge on Retirement Income Planning through our published research articles, Lab Notes, videos, and webinars
Simplifying Retirement Income Planning Visualization Using The ‘Spending Risk Curve’
Today, Kitces published a great article co-authored by Derek Tharp and Income Lab co-founder, Justin Fitzpatrick. Here are a few of the main points: “Spending Risk Curves” can be very useful for an advisor to gain a higher-level understanding of a client’s financial...
Income Lab Establishes Research Council to Advance Retirement Income Analysis and Education
We are excited to announce the launch of the Income Lab Research Council. The Research Council aims to contribute both to the education of the next generation of advisors and planners and to the ongoing education of current practitioners. The inaugural council...
How Retirees Can Lose as the Gamification of Monte Carlo Analysis Proliferates
Barron's published a great article in which Jeff Brown and Income Lab co-founder Johnny Poulsen argue that gamification of Monte Carlo probability of success results "may be creating misdirected incentives in retirement planning." Here a few of the main points: ...
Will Higher Inflation Harm Retirees?
Income Lab’s co-founder and CIO, Justin Fitzpatrick, wrote an article that was featured in Advisor Perspectives. In his article Justin shares a few things financial advisors may want to consider as they help their clients understand what higher-than-expected inflation...
7 Pro-Tips for More Dynamic Retirement Planning
Income Lab’s co-founder and chief innovation officer Justin Fitzpatrick joined Jeremy Keil, Financial advisor at Keil Financial Partners, on the Retirement Revealed podcast to discuss “7 Pro-Tips for More Dynamic Retirement Planning.”Justin discusses: Why you...
Retiree withdrawal rates alone are misleading. Here’s why
We are excited to announce the work of Income Lab’s Co-Founder And Chief Innovation Officer, Justin Fitzpatrick, was recently featured in Financial Planning! Read full article >>
The Retirement Distribution “Hatchet”: Using Risk-Based Guardrails To Project Sustainable Cash Flows
We are excited to have our Co-Founder, Justin Fitzpatrick and our Senior Advisor, Derek Tharp featured on the Michael Kitces blog! They co-authored their most recent article, “The Retirement Distribution “Hatchet”: Using Risk-Based Guardrails To Project Sustainable...
Riskalyze Integrates with Dynamic Retirement Planner Income Lab
We are excited to officially announce our integration with Riskalyze! This will help advisors incorporate economic and market conditions, dynamic spending analysis, tax-smart distribution planning, and automated plan monitoring and management, to build better, dynamic...
Why Retirement Risk Requires Dynamic Planning?
Exited to have our co-founder Justin Fitzpatrick featured on Advisor Perspectives the "Gaining Perspective" podcast, discussing "Why Retirement Risk Requires Dynamic Planning." Great listen to learn more about "new research and technology that helps advisors paint a...
How the 4% Rule Undermines Advisors and Clients
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...
Rethinking Risk in Retirement Planning
The thought leadership by our Income Lab co-founder Justin Fitzpatrick was recently featured in ThinkAdvisor! He wrote a great article to help financial advisors rethink risk in retirement planning by first understanding that the “framing of risk is fundamentally...

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