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Intelligent Retirement
Income

  • AIDA combs through thousands of strategic options to determine a personalized optimal strategy for each client.
  • It can maximize safe spending for an underfunded client, maximize confidence, or meet spending safely and maximize legacy for an overfunded client.
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  • AIDA quantifies the advisor’s value - a gamma of as much as 275 basis points.
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Income Planning 2.0,
featuring One-Click Plan Building

This income advice solution provides advisors a client’s optimal retirement income strategy with one-click.

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For savvy advisors, it’s love at first sight. Now your advisors can deliver a personalized strategy that is fully co-optimized, not trying each lever in isolation, all with a single click.

  • Social Security claiming
  • Allocation to annuities for lifetime income and investment portfolio allocation
  • Optimal incremental effective tax rates for discretionary disbursals from qualified accounts, for both retirement income and Roth conversion - read our blog
  • Dynamic tax strategies for non-qualified accounts target tax-free capital gains, then minimizing taxable capital gains - read our blog
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Paycheck in retirement

A solution to manage planned spending, unplanned spending, and Roth conversions during retirement.
Integrates with your existing planning tools and systems to deliver tax-optimized quarterly withdrawals.

Paycheck is holistic and flexible

Calculate

Calculates expected inflation adjustment for each budgeted expense and incoming cash flow and estimates taxes

Withdrawal

Determines quarterly withdrawals between managed and held away accounts based on the client’s tax-optimized strategy

Dashboard

Provides a simple summary dashboard for advisor or client to review and approve each quarterly distribution

Retiree Benefits

Retiree Benefits

  • Full & Rich retirement with safe, maximized, tax-optimal paycheck
  • Flexibility to source unplanned expenses
  • Worry-free retirement - safety tracking and spending adjustment guidance
Advisor Benefits

Advisor Benefits

  • Grows revenue through client acquisitions and asset consolidation
  • Improves advisor's productivity, releasing time for business development
  • Deepens client relationships; feel confident about recommended disbursals
Firm Benefits

Firm Benefits

  • Makes the firm the go-to-place for retirement income advice
  • Increase advisor and client retention
  • Reduce regulatory risk through institutionalized consistent process
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SafePathSM: a personalized path to track
safety and determine adjustments

  • Provides a comprehensive outlook on upcoming retirement years, addressing the question, "Am I Safe?"
  • Simple and quick answer: if the portfolio balance is within the Safe Zone, continue to spend as planned and could even consider additional discretionary distributions.
  • If the portfolio balance enters the Adjustment Zone, a recommendation is made to reduce retirement spending.

Generally, a retiree's actual portfolio balances are expected to be in the Safe Zone.

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Solutions specialized to meet
your needs

Our solutions are available as a white label UI or API. All are customizable, flexible, and designed to provide value across multiple market segments. Each solution is built for quick integration. Explore how they can help your unique business grow.

Wealth Management

Wealth Management

Use our solutions to build your retirement income business at scale. Enable advisors with the highest probability of winning new business with minimal inputs. Advisors will save time, deepen ongoing relationships with retirees, and increase revenue through referrals and asset consolidation.

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Retirement Plans

Retirement Plans

Offer retirement income solutions designed with multiple benefits for the retiree and the recordkeeper. For the recordkeeper, solutions allow retention of participant assets nearing and post-retirement. Provide a superior offering to win plans and retain existing plans with potential additional revenue.

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Service Organization Control (SOC) Compliant

Service Organization Control (SOC) Compliant

Income Discovery annually completes a System and Organization Controls 2 (SOC 2®) Type 2 and is ready for large enterprise implementation. The SOC 2 standard covers our organization’s effectiveness of internal controls relevant to security and confidentiality.

Call: 888-966-9469
Email: sales@incomediscovery.com

We currently serve only those institutions that will analyze at least 1,000 retirement income cases a year.
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Paycheck is holistic and flexible

On using Income Discovery for retirement income planning:

We’ve learned that moving away from traditional financial plans to those that focus on creating lifetime income in retirement leads to better outcomes for most people.”

Dan Keady, Former Managing Director, Chief Financial
Planning Strategist, TIAA

We have found Income Discovery to be an incredibly effective and efficient tool for generating and communicating retirement income plans for our clients and prospects. Through its unique way of focusing on maximizing inflation-adjusted cash flow, it allows us to quickly target sustainable spending levels, Social Security optimization, distribution timing and asset allocation. The turnaround time is fast, adjustments are easy to make, the process requires only a minimal amount of client effort to complete.

Bud Green, President, Fortress Wealth Management
Testimonials are provided by current institutional clients. No cash compensation was provided for the testimonials and there are no material conflicts of interest resulting from a relationship with these institutions.

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