Put an end to ineffective trial-and-error effort in
retirement income planning

Post-retirement income management is a new challenge. Social Security claiming, lifetime annuity allocation, Roth conversions, and pension settlement options add massive complexity. Advisors deal with thousands of options.

Current financial planning tools require advisors to manually play with levers to try to find the optimal solution, which is not a good use of their time. Advisors want an easy solution that will do the heavy lifting of analyzing thousands of strategies and make them feel confident about the optimal recommended strategy.

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Evaluate all possibilities
with one click

AIDA, our intelligent engine, produces the optimal mix to increase a retiree’s post-tax Safe Retirement Income by as much as 30%¹ or increase after-tax legacy by as much as 5 times².

This is essential for advisors who want substantial growth in their retirement income business.

Advisors can guide clients through the optimal path to a Full & Rich retirement.

Modules to scale your retirement
income business

Safe Income Portal for prospecting, Income Planning 2.0 for comprehensive income planning, and Paycheck for distribution management

Our solutions are available as an API. Built for quick integration, the API can extend your
current financial planning experience with retirement income capabilities.

Prospect with Safe Income Portal:
two minutes and seven data points generate
personalized results

A friendly conversation shows retirees the value of engaging with an advisor to obtain their personalized Safe Income strategy.

Likely to exceed client’s expectations of retirement income
Works to solidify trust in the advisor and your firm
Improves a prospect’s confidence in engaging further for a comprehensive income plan
Prospects may flow into your CRM

Income Planning 2.0, featuring
One-Click Plan Building

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
Permanent life insurance - either as cashflow or a death benefit

Our powerful Income Planning 2.0 simplifies analysis. Advisors using it are enthusiastic.

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Provide solid answers with a client
presentation under your brand

A personalized presentation answers client questions in a clear, concise format, and demonstrates Best Interest for 401(k) rollovers and annuity purchases.

May make client decisions easier – and may boost acceptance rates by more than 200%.

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Paycheck:
Manage more retirees, more effectively

Executing against a selected income plan, you’ll get clear instructions on planned
spending, unplanned spending and Roth conversions. AIDA will:

Collect Financial Information

Managed and held away account holdings and balances
Social Security, annuity and cash flow amounts and COLA adjustments
AIDA estimates federal and state taxes

Execute the Strategy

Determine annual planned expense requirements with variations and inflation adjustments
Source withdrawal needs optimally and holistically across tax type accounts, RMDs and all other cash flows
Flexibility and support for unplanned expenses

Monitor Plan Safety

Definitively answer the question “Am I safe?” for clients
See whether the plan is healthy or the amount of any income adjustment
Determine if replanning is necessary

Take your productivity to the next level - and make more clients happier.

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SafePath^SM: a personalized path to track
safety and determine adjustments

The SafePath^SM measures the effectiveness of a client’s selected retirement income plan.

Provides a clear picture of all future retirement years by answering the question: “Am I Safe?”
Removes the uncertainty around income adjustments and alleviates the fear of running out of money
Empowers advisors to assist with unplanned, ad-hoc expenses when retirees are in the safe zone

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A multi-trillion-dollar
market is waiting for you

Your advisors can grow their retirement income business at scale. All while clients enjoy end-to-end,
tax-efficient retirement income planning and delivery of retirement paychecks.

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

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

Makes the firm the go-to-place for retirement income advice
Increase advisor and client retention
Reduce regulatory risk through institutionalized consistent process

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.

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, 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.

Industry Awards & Coverage

Retirement Income Moves From Niche to Red-Hot Center of Advice, February 11, 2021

Income Discovery was named as a finalist in two Financial Planning categories in 2021: Innovation New Applications and Specialized Planning Applications

Income Discovery selected to demonstrate its solution at FinovateFall conference in September 2021

Income Discovery selected to demonstrate its solution at CB Insights Future of Fintech conference in October 2021

Income Discovery: AI-Powered Decumulation Platform, October 28, 2021

The New Table Stakes: “Unified Managed Income”, October 14, 2021

Income Discovery has been selected to be part of the Efma-Capgemini Financial NewTech 2021 Watchlist