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Everything You Need to Deliver Safe, Personalized Retirement Income Distributions.

Income Discovery combines strategy, automation, and client-specific modeling to deliver an unmatched suite of tools for retirement income.

AIDA-Powered Solutions That Unlock 30% More Safe Income  

Built by our Adaptive Income Discovery Agent, our platform is optimized for financial institutions and wealth advisors and can help optimize income by delivering as much as a 30% increase in safe income1 or a 5x increase in legacy2.  

Income Planning 2.0

One-click plan building that optimizes annuity allocations, taxes, and withdrawals together

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Income Delivery

Quarterly income execution tool for planned and unplanned spending

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SafePathSM

Real-time guidance on spending adjustments based on safe zones

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Income Planning 2.0

Income Delivery

SafePathSM

Income Planning 2.0

One-click plan building that optimizes annuity allocations, taxes, and withdrawals together

Explore Income Planning 2.0

Income Delivery

Quarterly income execution tool for planned and unplanned spending

Explore Income Delivery

SafePathSM

Real-time guidance on spending adjustments based on safe zones

Explore SafePathSM

Powered by our Intelligent Adaptive Income Discovery Agent

Adaptive Income Discovery Agent (AIDA)

The Engine Behind Personalized, Optimized Retirement Plans

At the core of Income Discovery lies the Adaptive Income Discovery Agent, a powerful planning engine that analyzes thousands of strategy combinations to deliver the best-fit income plan for each household.

 

Whether your client is underfunded, overfunded, or somewhere in between, AIDA determines the most tax-efficient way to meet goals, optimize withdrawals, and maximize long-term confidence.

Built for Personalized Strategy at Scale

Models and compares thousands of real-world scenarios in seconds

Tailors plans based on goals: maximize safe spending or confidence, or optimize legacy

Dynamically adjusts for income needs, account types, tax brackets, and market factors

Quantifies advisor value with up to 275 basis points of gamma3

Enables plan personalization at the household level with enterprise-level consistency

Experience the Power of Intelligent Retirement Income Optimization

See AIDA in Action

Disclosures:

    1. Safe retirement income refers to income with a 90% probability of lasting into a retiree’s mid-90s. It includes all sources—Social Security, pensions, annuities, investment withdrawals, and other cash flows. Strategies such as deferring Social Security, annuity purchases, pension payout choices, allocation changes, tax-efficient withdrawals, and capital gains management can increase safe retirement income. Results vary based on individual factors and market conditions. Projections have risks and limitations.
      See our blog post for details – Optimized personal retirement income strategy
    2. Retirees satisfied with their planned spending may instead focus on maximizing their after-tax legacy. This can be influenced by strategies such as Social Security deferral, pension payout choices, portfolio allocation, tax-efficient withdrawals, and capital gains management. Results vary based on individual factors and market conditions. Projections have risks and limitations.
      See our blog post for details – Optimized personal retirement income strategy
    3. See our white paper Unlocking an Advisor’s Gamma for Optimal Retirement Income Distribution Strategies for a full explanation.
    This website is solely for informational purposes and is intended for financial institutions and their professionals.