Research Center
Guides, strategies, and analysis for retirement planning professionals
State Taxes in Retirement: The Complete Guide for Financial Advisors
Advisor Summary: State tax treatment of retirement income is one of the most controllable variables in a financial plan. Nine...
Social Security Claiming Strategy: Why Wait Until 70 Is Oversimplified
Advisor Summary: When should your clients take Social Security? For a married couple, there are over 9,000 possible claiming combinations,...
Roth Conversion Planning Software: What to Look For
Advisor Summary: Roth conversion planning software models multi-year conversion strategies across tax brackets, IRMAA thresholds, Social Security taxation, and state...
Retirement Paycheck: What It Is and How Advisors Build One
Advisor Summary: A retirement paycheck is a specific monthly dollar amount your client can spend, backed by a documented plan...
Retirement Cash Flow Planning: A Step-by-Step Guide for Advisors
Advisor Summary: Retirement cash flow planning maps every dollar of income and expense across the full retirement timeline, showing clients...
Best Roth Conversion Software for Financial Advisors (2026)
Advisor Summary: The best Roth conversion software for financial advisors in 2026 depends on practice type. For retirement distribution specialists,...
The TCJA Is Gone. Here’s What the New Tax Law Means for Every Retirement Plan You Manage.
Advisor Summary: The TCJA did not sunset. The One Big Beautiful Bill Act (OBBBA) permanently extended the lower rate structure...
Switching from MoneyGuidePro: What Advisors Need to Know
Advisor Summary: MoneyGuidePro’s market share dropped from 33% in 2024 to 24.23% in 2026, according to T3/Inside Information survey data,...
Roth Conversion Strategy: The Advisor’s Complete 2026 Guide
Advisor Summary: A Roth conversion moves pre-tax IRA money into a Roth IRA, paying income tax now to eliminate future...
IRMAA Brackets 2026: The Complete Guide for Financial Advisors
Advisor Summary: The 2026 IRMAA brackets impose Medicare surcharges of $1,148 to $6,936 per person when MAGI exceeds $109,000 (single)...
RightCapital Alternative for Retirement Income Planning
12-minute read Advisor Summary: RightCapital is one of the best comprehensive financial planning platforms available, rated 8.40 by T3 2026...
Income Lab vs. RightCapital: An Honest Comparison for Financial Advisors
read Advisor Summary: RightCapital is a comprehensive financial planning platform built around Monte Carlo probability, with broad coverage across accumulation,...
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