Research Center
Guides, strategies, and analysis for retirement planning professionals
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:...
Penny Live: Retirement Questions Answered in the Room
Justin Fitzpatrick and Derek Tharp work through Roth conversions, IRMAA, and inherited IRAs live with Penny. May 7, 12pm MT....
Creating The Ultimate Retirement Checklist
Free live workshop April 28, 2026. Russ Thornton shares how he uses Income Lab and Move Health to build retirement...
Income Lab Launches Penny, an AI Financial Planning Assistant That Keeps Math Out of AI’s Hands
Income Lab announces Penny, an AI financial planning assistant built into Income Lab Pro that uses deterministic calculation engines for...
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...
See How It Works With Your Client Scenarios
30-minute personalized walkthrough. No commitment.
Book a Walkthrough