Income Discovery Pro

Institutional customers subscribing in bulk for 100 or more advisors are requested to work with our institutional sales team. Each of our services can be customized at a very attractive price.

Independent Advisors and Registered Investment Advisors interested in buying a few seats for their practice can currently subscribe to Income Discovery Pro. The Social Security Illustrator Pro and Retirement Profiling applications, currently available to large institutions, will be made available to Independent Advisors in 2017.

Independent Advisor Subscription Fee
Per Advisor
Pay Per Use
Per Household
The above fee provides access to both the basic mode as well as the advanced mode.

Annual Subscription: This allows for analysis of an unlimited number of households in your account for a year.
Pay Per Use Subscription: You may purchase a credit for $99. Each credit allows you to analyze a household for a period of 3 months. Credit once used for analyzing a household cannot be used for any other household or transferred to another household.

Sign-Up On sign-up, you will be subscribed as a Pay Per Use user and will get one FREE credit to analyze a household for 3 months. To analyze beyond the free household, you will need to purchase additional credits or subscribe via Annual subscription.

We encourage you to setup a one-on-one session with our sales support team by emailing A short feature list is provided below:

Income Discovery - Basic Mode
  • Optimization to find the least risky retirement income strategy: a mix of Social Security claim strategy, annuities and investments
  • Analyze customized retirement strategies and compare it with optimal
  • All analysis of retirement income strategies done using Monte Carlo simulation based on customized capital market assumptions and asset allocation models
  • Social Security Optimization: Find the claim strategy that provides maximum benefits over lifetime. Compare with a custom claim strategy. It models spousal and survivor benefits, 2015 budget legislation driven changes, Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)
  • Model all type of annuities: Single Premium Immediate Annuity (SPIA), Deferred Income Annuity (DIA), Fixed Deferred Annuity, Fixed Indexed Annuity (aka Equity Indexed) with Lifetime Rider and Variable Annuity with lifetime rider and guaranteed growth in benefit base
  • Systematic withdrawal from a total return portfolio
  • Pre-retirement support with distinct salary, employer contribution, and savings for each household member
  • Illustrative plan cards and charts to easily compare retirement plan alternatives

Income Discovery - Advanced Mode
  • Optimized sequence of withdrawal across qualified, non-qualified (taxable) and Roth accounts, when analyzed with Social Security claim strategy
  • Build personalized glide path for a client – distinct allocation for each account and variation of the allocation over time based on when the account will be withdrawn from
  • Federal tax modeling – bracket or effective tax - of investments and annuities including Required Minimum Distribution and taxation of Social Security based on IRS worksheets
  • Tax modeling of all type of annuities including lifetime annuitization or lifetime rider for annuities bought in qualified and non-qualified (taxable) account
  • Pre-retirement support with distinct savings by each tax-type account in the household
  • Dynamic strategies such as tax-targeted disbursals and Roth conversion
Cancellation Policy
A new or renewed Annual Subscription may be cancelled at any time from the subscription tab or by sending an email to and requesting cancellation. It will take effect immediately but no refund will be issued.