Research Center
Guides, strategies, and analysis for retirement planning professionals
Why Didn’t Anyone Show Me This Before?
Income Lab in Production: How Advisors Bring Value 5x Faster
Bucket Strategy vs Guardrails vs Total Return: A Comparison for Advisors
Three strategies appear frequently in current discussion on retirement income planning. The “bucket strategy” divides the portfolio into time-segmented pools...
The Case Against Waiting Until 70
Tax Planning That Moves the Needle
What Can I Spend? Why Probability of Success Doesn’t Work for Your Clients
How Much Can a Retiree Actually Spend? A Modern Methodology for Advisors
Sooner or later, every client asks the question that retirement planning exists to answer: “How much can I spend?” The...
Risk-Based Guardrails vs Guyton-Klinger: An Advisor’s Decision Guide
Two households retire in late 2007 with the same portfolio, the same monthly spending, and the same commitment to adjust...
Retirement Distribution Strategy: A Framework for Financial Advisors
When a client stops adding to their portfolio and starts living on it, the industry calls it “distribution”, or “decumulation”....
How to Present a Guardrails-Based Retirement Plan to Clients
A client walks in for the annual review. The advisor opens the slide deck and the first chart on the...
Retirement Income Distribution Planning: A Framework for Financial Advisors
A 65-year-old couple sits in the second meeting with their potential new advisor. They have a $1.4M portfolio, two small...
Full Life-Cycle Planning Webinar
Justin Fitzpatrick walks through how advisors use Income Lab across the working years, the run-up to retirement, and retirement itself:...
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