Common Questions
What is guardrails-based retirement planning?
Guardrails-based planning gives a client a specific, sustainable monthly spending number and sets an upper and a lower guardrail around it. The upper guardrail is permission to spend more; the lower guardrail protects against overspending. When the plan reaches a guardrail, it tells you it is time to adjust, so clients get a clear answer to "How much can I spend?" instead of a probability score.
How are Income Lab's guardrails different from the 4% rule or Guyton-Klinger rules?
The 4% rule and Guyton-Klinger rules apply a fixed withdrawal rate to every client. Income Lab uses risk-based guardrails that take the entire plan into account, including investments, other income, taxes, longevity, and inflation, and update every month. There is no single static withdrawal-rate rule doing the work.
Is Income Lab only for retirement income planning?
No. Income Lab is a full retirement planning platform: plan building, guardrails income strategy, tax planning, Roth conversions, Social Security optimization, annuities, and a client portal. Guardrails are where the depth shows, not the limit of what the platform does.
How much does Income Lab cost?
Income Lab Core is $199/month ($1,990/year, saving 2 months free) and Pro is $299/month ($2,990/year). Start with a free 14-day trial with full Pro access. Monthly billing available.
Can I try Income Lab before I commit?
Yes. Start with a free 14-day trial with full Pro access. Cancel anytime during the trial.
What does Income Lab integrate with?
Direct integrations with Schwab, Fidelity, Orion, Black Diamond, Redtail, and other major custodians and portfolio management platforms. Data imports take minutes.