Research Center
Guides, strategies, and analysis for retirement planning professionals
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....
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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...
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%...
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...
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...
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...
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...
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,...
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 in the...
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...
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