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

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.

iframe-bg

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
Mobile

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
iframe-bg

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%.

SCROLL TO VIEW

Paycheck:
Manage more retirees, more effectively

iframe-bg

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
Tab SafePath

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

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

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

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

We currently serve only those institutions that will analyze at least 1,000 retirement income cases a year.
Contact Us

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

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