Wealth Management
Become the go-to place for retirement income advice
Amplify a financial advisor’s value and productivity in retirement income planning and management.
- Drive product conversion, asset consolidation, and prospect retiree conversion - increase the acquisition rate by as much as 200%
- Easily create and monitor personalized income plans and paychecks for retired clients
- Save time and money by automating manual work required for retirement income disbursals
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.
Evaluate all possibilities
with one click
AIDA, our AI engine, produces the optimal mix to maximize a retiree’s post-tax Safe Retirement Income by as much as 30%1.
This is essential for advisors who want substantial growth in their decumulation business.
Advisors can guide clients through the optimal path to a Full & Rich retirement.
Modules to scale your retirement
decumulation business
Safe Income PortalSM for prospecting, Income Planning 2.0 for comprehensive income planning, and Paycheck for distribution management
Prospect with Safe Income PortalSM:
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
- Dynamic tax strategies for non-qualified accounts target tax-free capital gains, then minimizing taxable capital gains
- Permanent life insurance - either as cashflow or a death benefit
Our powerful Income Planning 2.0 simplifies analysis. Advisors using it are enthusiastic.
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%.
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
Execute the Strategy
- Timing of key events like claiming Social Security
- Determine annual planned expense requirements with variations and inflation adjustments
- Source withdrawal needs across tax type accounts
- Flexibility and support for unplanned expenses
Monitor Plan Safety
- Decide whether the plan is healthy or if income adjustments are necessary
Take your productivity to the next level - and make more clients happier.
SafePathSM: a personalized path to track
safety and determine adjustments
The SafePathSM 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
A multi-trillion-dollar
market is waiting for you
Your advisors can grow their decumulation business at scale. All while
clients enjoy end-to-end,
tax-efficient retirement income planning and delivery of retirement paychecks.
Retiree Benefits
- Easy-to-follow maximum safe tax-optimal paycheck
- Flexible solution allows for unplanned expenses
- Safety tracking, ongoing assurance and automated income adjustments provide a worry-free retirement
Advisor Benefits
- Improves productivity – saves time & money by eliminating manual work
- Allows a deeper ongoing relationship with retirees
- Provides revenue growth through referrals and asset consolidation
- Makes the advisor look good and confident about recommended income strategy and ongoing disbursals
Firm Benefits
- Make the firm the go-to-place for paycheck advice
- May drive product conversion, asset consolidation, and prospect retiree conversion - may increase the acquisition rate by as much as 200%
- Increase advisor retention
- Reduce regulatory and compliance risk by institutionalizing a consistent process
Call: 888-966-9469
Email: sales@incomediscovery.com
Industry Awards & Coverage
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 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 was named as a finalist in two Financial Planning categories in 2021: Innovation New Applications and Specialized Planning Applications
