Redefine Annuity Planning with Precision and Confidence
IncomeConductor’s upgraded annuity engine gives you tax-intelligent modeling, integrated planning workflows, and unprecedented clarity across both existing and future annuity contracts.
See our new annuity tools in action.
Rated 8.00 in the latest T3 survey for Retirement Distribution Planning Tools.
Turn annuity complexity into clarity with tax-smart precision built in
Access the most comprehensive annuity modeling available to financial advisors:
Integrate Existing Contracts
Seamlessly incorporate your clients’ current annuity assets and income streams into holistic retirement plans.
Simulate Future Purchases
Model potential annuity purchases and compare multiple product options within the context of complete client income strategies.
Model Every Income Stream
Project lifetime income streams, period certain guarantees, and rider-based income options with precision.
COLA Assignment
Apply Cost of Living Adjustments to any annuity income stream to reflect real-world planning scenarios.
Contract-Level Growth Projections
Set rates of return specific to each annuity contract, independent from other portfolio segments.
Built-in Tax-Smart Annuity Planning
Taxes are where most annuity models fall apart. IncomeConductor closes the gap with full tax intelligence built into every scenario:
Non-Qualified Modeling
Choose between exclusion ratio methods or as-needed withdrawal calculations based on contract type.
Qualified RMD Integration
Automatically incorporate qualified annuity balances held in IRAs into Required Minimum Distribution calculations.
RMD Obligation Tracking
Monitor how annuity payouts apply toward annual RMD requirements, eliminating manual tracking and reducing compliance risk.
Model Annuities as Income Strategies
Your clients need to see how annuities fit within their complete retirement strategy. IncomeConductor makes clearer client conversations possible by integrating annuity products into retirement income with taxes, RMDs, and longevity planning built in.
You model real client scenarios and plan with existing contracts and future purchases, all in one place. Advisors and independent RIAs trust our platform because it reflects how their planning process actually works.