The old plan no one wants to retype.
Plan Builder brings supported planning PDFs and transcripts into Income Lab, so moving households does not become a data-entry project.
Income Lab Pro · #1 retirement distribution tool, T3 2026
Imports. Intake. Meetings. Updates. Drafted intelligently. Approved by you.
Six AI tools for advisors, built into the workflow, not bolted on as a chatbot. The planning engine does the math, and you still make every call.
14-day free trial. All Pro features. Cancel anytime.
The Pro decision
What changes when admin work stops slowing the relationship down?
The planning engine is only one part of the job. The rest of the work lives around it: the plan stuck in the old system, the intake email chain, the meeting you cannot fully listen to, the review note that never makes it into the plan, and the tax question that arrives while the client is watching you think.
Pro turns those moments into reviewed planning work. Three of them cost independent advisors the most.
The choice between listening and capturing.
Scribe captures planning details while you stay present. The output is structured plan data, not another transcript waiting after the call.
The quiet gap between reviews.
Plan Updater makes changed facts visible, line by line, so a plan can stay current without becoming a cleanup sprint.
Six Pro tools
Six AI tools across the life of a client relationship.
Built into the workflow, not bolted on as a chatbot. The planning engine does the math. Income Lab orchestrates the conversation, the document reading, and the classification, never the calculation.
Penny gets the attention. The daily value of Pro runs from the first import through years of reviews.
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Plan Builder Imports other-platform plans into Income Lab. Move to Income Lab faster. -
Interviewer Collects intake through one guided link. Start before the meeting. -
Scribe Turns meeting conversation into plan data. Stop splitting attention. -
Plan Updater Finds changed facts and queues updates. See what changed. -
Assistant Answers Income Lab workflow questions. Stay in the software. -
Penny Analyzes client data with verified numbers. Answer while it matters.
01 · Getting clients in
New households arrive as drafts, not data entry.
Whether a household starts as another platform’s plan or a prospect’s answers, it reaches Income Lab populated and ready for your review.
Plan Builder
Included with Pro
Move plans from other platforms into reviewed Income Lab households.
Your plans may already live in RightCapital, MoneyGuide, eMoney, or NaviPlan. Moving to new software should not mean rebuilding every household by hand.
Upload the planning PDF, or paste a discovery transcript or notetaker output from tools like Jump AI, Zocks, Fireflies, and Otter.ai. Plan Builder drafts the household in about 30 seconds, populates the planning fields, and flags anything that needs your attention.
About 30 seconds
from upload to a household draft that is ready for your review.
Plan Builder drafts from your source material. It does not invent data that was never there, and nothing is final until you review, adjust, and sign off.
02 · In the meeting
Stay with the client. The plan work runs alongside.
The two highest-pressure moments of a client meeting: capturing what was said, and answering the hard question while it still matters.
Scribe
Included with Pro
Stay in the conversation while the plan takes shape.
Client meetings should not force a choice between being fully present and capturing every planning detail.
Scribe joins the Zoom meeting, transcribes in real time, and extracts planning data while you talk. On-screen indicators show which categories are covered and nudge you toward the ones the conversation has not reached. After the call, Scribe sends a summary, and you review and sign off before anything lands in the plan.
Captured details become plan data only after you approve them.
Penny
Included with Pro
Answer the Roth question while the client is in the room.
A client asks whether to convert this year. Without a grounded answer, the highest-value moment of the meeting gets pushed to a follow-up email.
Ask Penny in Income Lab. It analyzes the client’s actual plan and shows dollar-specific effects across taxes, Roth conversions, and income-related Medicare surcharges (IRMAA), with a Verify button and a cited source on every figure. Penny can also scan your client base for planning opportunities.
Penny pairs Claude, the highest-rated AI platform among financial advisors (T3 2026), with Income Lab’s planning engine, so the conversation is AI and the math is not.
Penny recommends and explains. You decide what reaches the plan.
How much can John and Mary convert before the next IRMAA tier?
Roth conversion room
$72,000 keeps Tier 1
Converting $72,000 this year keeps John and Mary in their current IRMAA tier. Every figure cites its source.
03 · The years after
Life keeps changing the facts. The plan keeps up.
A plan is only as good as its current facts. Pro keeps the upkeep visible, reviewable, and off your weekend list.
Plan Updater
Included with Pro
Keep plans current without turning reviews into cleanup projects.
A raise, a rental sale, an inheritance, an earlier retirement date: yesterday’s plan goes stale quietly, and the update work is what slips.
Upload the review transcript or the new document. Plan Updater finds the changed facts and lists them item by item, and you add or replace each one. The plan stays current, and the record of what changed stays visible.
Per-item approval is the design, not an option. Plan currency and compliance stay in your hands.
John & Mary review transcript uploaded
AddRental sale proceedsNeeds reviewApproved
ReplaceRetirement dateApproveApproved
AddInherited IRAReview tax detailApproved
ReplaceMonthly spendingApproveApproved
Built for fiduciaries
Built so you can sign your name to it.
Most competitors added a chatbot. Income Lab built an AI workflow, designed around advisor control. Advisors do not need automation pointed at clients. They need controlled leverage.
We do not do math with AI.
The planning engine handles the numbers. The tools handle conversation, extraction, classification, and explanation.
Every change waits for you.
Drafts, captured details, and recommendations stay reviewable. You adjust and approve before changes matter.
Client data stays protected.
Client data is never used to train the models. Assistant does not see client data at all.
See Pro in action
An in-depth walkthrough of all six Pro tools.
One team member, the full workflow, on screen. The same flow that lives in your Pro account.
The decision
Core is the engine. Pro is the workflow around it.
All six tools come with Income Lab Pro. The difference is $100 a month, and the decision is how much of the manual work you want to keep.
The planning engine: guardrails, spending, taxes, Social Security, and retirement income analysis.
Everything in Core, plus the full workflow: Plan Builder, Interviewer, Scribe, Plan Updater, Assistant, and Penny.
Already using Income Lab? Book a walkthrough and see Pro on your own client workflows.
Advisor proof
Pro builds on an engine advisors already trust.
The six tools draft the work. The planning engine these advisors describe still does the math underneath all of it.
““Income Lab has been a game changer for me. It’s very clear how much you can spend and the guardrails around that number.”
Keith Spencer, CFPSpencer Financial Planning
““The ability to show clients exactly where every dollar comes from and how their plan adjusts is something no other tool gives me.”
CB Cynthia BrameLegacy Strategic Partners
““Income Lab changed how I think about retirement income planning. My clients finally understand their plan.”
Miriam WhiteleyLife Craft Financial Planning
See the workflow
Book a walkthrough of Pro on real advisor workflows.
Bring the onboarding, review, or tax question slowing your team down. We will show where Pro fits.
The #1 rated retirement distribution tool for 3 consecutive years (T3/Inside Information Software Survey).