What makes retirement planning so complex?
Distributing retirement income in a tax efficient way has a lot of moving parts. Not only is each aspect of income planning critical on its own, but they are all interrelated. Creating a holistic plan that accounts for all of these complexities is the only way to give your clients the comfort and confidence in retirement they deserve.
Taxes
Which accounts to draw from, when to draw, and how much can make a big difference over decades of taxation.
Social Security
Claiming strategies may maximize benefits but can cause negative ripple effects, especially for a surviving spouse.
RMDs
Without a plan to manage Required Minimum Distributions, excess tax and even IRMAA surcharges may arise.
Roth Conversions
Pay taxes now or later? It can be hard to tell if the risk and expense have any chance of creating value in the long run.
Healthcare
Medicare, IRMAA surcharges, and out-of-pocket costs can become an unexpectedly major expense later in life.
Longevity
Clients count on you to strike a balance between maintaining standard of living without them running out of money.
How do we make it all clear?
We built IncomeConductor with a laser focus on making income distribution planning as simple as possible for advisors. By bringing all of the key decision points and illustrations into a single screen, you and your client can instantly see the impact and value of every planning decision.
Schedule your personalized demo.
See all that IncomeConductor has to offer for yourself.
Give your client a plan, not a probability.
Entering retirement is often an anxious time for investors. A clear, trackable time-segmented income plan is exactly what they want from their advisor.
Generate a written plan together with them in minutes on a single screen and produce full-color reports that they understand.
Model retirement with just a few clicks.
All of the important retirement income decisions are together in one easy to use interface.
With just a few clicks, assess different Social Security claiming strategies, account liquidation orders, Roth conversion schedules, annuity purchases, and much more.
Build tax-efficiency into every decision.
Understanding the tax consequence of each planning decision is critical to building an efficient plan.
Getting instant results every time you make a change to an income plan scenario means clarity and understanding of tax issues, causes, and possible solutions.
Compare scenarios to educate while you plan.
A “perfect” plan will mean different things to different clients, and no two plans are alike.
Easily compare different retirement income scenarios to identify how a change in priorities can produce different plan designs and outcomes.
Don't need the full firepower of Pro?
The IncomeConductor Discovery Editor is the perfect stepping stone into time-segmented retirement income planning. Quickly create educational illustrations with a simple, powerful single-screen interface.
See a summary of plan data including the projected asset values and income levels illustrated in the plan.
Details of the plan annual income, spending, and projected segment balances are illustrated in charts and tables.
Simple inputs and controls allow you to instantly adjust plan assumptions to create an educational income plan illustration in minutes.
Enhance Discovery with the addition of Health+ to include actuarial longevity projections, Social Security modeling, and personalized healthcare spending projections.