#1 Retirement Distribution Tool · T3/Inside Information · 3 Consecutive Years (2023–2025)
The top-rated software suite that helps financial advisors build tax-smart, adjustment-based retirement plans their clients actually understand and feel confident spending from.
Trusted by thousands of advisors, from solo RIAs to multi-advisor firms nationwide.
The problem
They are doing it in Excel, or settling for the shallow retirement tools inside eMoney and RightCapital.
Source: T3/Inside Information Advisor Software Survey, 2025.
The platform
Guardrail-based income planning. See how much your clients can spend, with adjustments as markets and life change.
Learn moreThe client-facing dashboard. Every household, every plan, presented in language clients actually understand.
Learn moreTax-smart withdrawal sequencing, Roth conversion strategies, and IRMAA management, modeled for all 50 states.
Learn moreEvaluates 9,000+ claiming combinations for couples, each weighted by joint survival probability.
Learn morePlan Builder, Plan Updater, Scribe, Interviewer, Assistant, and Penny: ask any retirement question and get an answer grounded in the client's actual plan. The AI proposes; a deterministic tax engine checks the math. Penny doesn't guess.
“Income Lab's approach to retirement planning is a paradigm shift.”
4.7/5 from advisor reviews (Google Reviews) · #1 Retirement Distribution Tool, T3/Inside Information, three consecutive years
How it works
Paste data from eMoney, RightCapital, PDFs, or intake forms.
AI Plan Builder drafts the household in minutes. You review and approve every field.
Open Life Hub and walk your client through a plan they can actually read.
300 clients. 5-8 hours. Not 300 hours.
Plans start at $1,990 per year. Keep one client who might have left, and the software has paid for itself many times over. Everything after that is efficiency.