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Financial Advisor magazine highlights Income Lab’s retirement stress test. “Income Lab, a retirement income management software firm, has released a tool to help advisors illustrate to clients the resiliency of their retirement plans against the worst financial disasters in history.”

The Retirement Stress Test shows clients how a crisis will impact a person’s day-to-day life and what spending adjustments they will have to make to guarantee the life of the retirement plan, according to Justin Fitzpatrick, CIO at Golden, Colo.

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Justin Fitzpatrick, PhD, CFA, CFP - President and Co-Founder of Income Lab
Justin Fitzpatrick, PhD, CFA, CFP

Justin Fitzpatrick is President and Co-Founder of Income Lab, retirement income planning software used by thousands of financial advisors. He developed the guardrails-based approach to retirement income distribution after a decade in financial services at Jackson and seven years in academia at MIT, Harvard, and UCLA. His research on adjustment-based planning has been published on Kitces.com, ThinkAdvisor, AdvisorPerspectives, and FinancialPlanning Magazine.

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Reframing Risk In Retirement As “Over- And Under-Spending” ToBetter Communicate Decisions To Clients, And Finding “Best Guess”Spending Level → It’s Time to Retire Static Planning → Why Guyton-Klinger Guardrails Are Too Risky For Most Retirees (And How Risk-Based Guardrails Can Help) → How Stress Testing Retirement Plans Builds Client Confidence →

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