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 is at a customized very attractive price.

Independent Advisors and Registered Investment Advisors buying a few seats for their practice can subscribe currently only to Income Discovery Pro. Social Security Illustrator Pro and Retirement Profiling applications are currently available only to large institutions, but they will shortly be made available to independent advisors.

Independent Advisor Annual Subscription Fee for Income Discovery Pro is $949 per advisor.

The above fee provides access to the basic mode as well as the advanced mode.

Sign-Up To build plans and optimize Social Security ​claiming strategy, you will need to purchase an annual subscription. If the software doesn't meet your expectations in the first 60 days of your purchase, your subscription fee will be fully refunded. See Cancellation policy for details.

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 and savings for each household member

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
Cancellation Policy
A new Annual Subscription may be cancelled within the first sixty (60) days at no penalty. After the first sixty days you may cancel your subscription at any time, but it will not take effect until the end of the subscription period and no refund will be issued. Renewed subscriptions may be cancelled at any time but no refund will be issued and the subscription will remain active until the end of the subscription period.