Offering One-On-One Demos of the Newly Released Income Discovery Pro, ver. 3

Last updated: August 2016

We have released Income Discovery Pro, ver 3 to Independent Advisors and will be offering One-On-One Demos to all Independent Advisors who request one. We will not be holding any new Webinars in the short term while we offer this more personalized presentation of the tool.

Please schedule your demo by contacting us at

 Income Discovery Pro offers the following new features:

Basic Mode

 ​1. ​Optimization to find the least risky retirement income strategy: a mix of Social Security claim strategy, annuities and investments

 2. ​Analyze customized retirement strategies and compare it with optimal

​ 3. ​All analysis of retirement income strategies done using Monte Carlo simulation based on customized capital market assumptions and asset allocation models​

 4. ​Social Security Optimization: Find the claim strategy that provides maximum benefits over lifetime. ​Compare with a custom claim strategy. It models spousal  and survivor benefits, 2015 budget legislation driven changes, Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)

​ 5. ​Model all type of annuities: Single Premium Immediate Annuity (SPIA), Deferred Income Annuity (DIA), Fixed Deferred Annuity, Fixed Indexed Annuity (aka  Equity Indexed) with Lifetime Rider and Variable Annuity with lifetime rider and guaranteed growth in benefit base​

 6. ​Systematic withdrawal from a total return portfolio

 Advanced Mode

 7. Optimized sequence of withdrawal across qualified, non-qualified (taxable) and Roth accounts, when analyzed with Social Security claim strategy

 8. Build personalized glide path for a client -- distinct allocation for each account and variation of the allocation over time based on when the accout will be  withdrawn from

 9. Federal tax modeling -- bracket or effective tax -- of investments and annuities including Required Minimum Distribution and taxation of Social Security based  on IRS worksheets

 10.  Tax modeling of all type of annuities including lifetime annuitization or lifetime rider for annuities bought in qualified and non-qualified (taxable) account


Again, please schedule your demo by contacting us at



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