An Explanation of Life Hub Developed by Income Laboratory
                        The First Truly Dynamic Retirement Planning Technology


Life Hub, is a next-generation interactive tool that gives clients a detailed visualization of their financial lives on one page, at any level of detail, and at any point in time. Life Hub is the only tool that seamlessly integrates dynamic retirement income plans and tax-smart distribution strategies. We firmly believe that any financial plan should be dynamic . . . NOT STATIC as most plans are!

Life Hub Features:


Timeline View

Allows you to see your financial life 

today and, in the future

Watch demo →


Celebrate life’s achievements

Easy Edits

Make changes on the fly

Tax Sourcing

See how to implement tax-smart
distribution planning and Roth conversions

Watch demo →

Watch demo 

Auto Updates

Automatically updates as your clients age

Dynamic Retirement Income Planning


The evidence is clear: retirees rarely run out of money. Instead, they adjust over time, spending more when they can and less when they must. So the current focus on probability of failure is fundamentally flawed.


The real questions are how likely is it that a client will need to take a pay cut, how large could it be, when might it occur, and how long could it last?

Income Lab uses total-risk based guardrails to build sophisticated, customized plans for how clients will adjust their spending as circumstances change. We continuously test these plans against current conditions and provide an alert when a client’s plan calls for a change.

Tax-Smart Distribution Planning


Deciding how best to source portfolio withdrawals involves accounting for a full range of tax effects and a wide range of withdrawal strategies as they apply to the idiosyncrasies of each plan.


Income Lab’s Tax Center helps our clients quickly evaluate the tax consequences of strategies like bracket management and tax-ordering (e.g., Taxable -> Tax Deferred -> Tax Free), including all planned cash flows (Social Security, pensions, investment income, portfolio withdrawals) and their differential tax treatment, and produces simple, digestible data to help  clients make informed decisions.

Economic and Market Conditions


What a retiree can afford to spend is closely tied to current economic and market conditions like interest rates, inflation, and equity valuations. That means retirement risks are not the same in all environments.


Income Lab’s industry-first economic context engine allows clients to incorporate information about market and economic conditions into their retirement spending advice. This engine is updated monthly so that advice is never out of date.

Intelligent Longevity Planning


We go beyond the awkward question, “how long do you expect to live?” with Income Lab’s powerful actuarial engine. We can set longevity risk levels and build continuously updated longevity estimates into a clients' income dynamic plans.


We account for a range of longevity risks, including the risk posed to a surviving spouse if a client dies early in retirement. Income Lab updates your plans’ longevity estimates monthly to account for changes in clients’ ages and the latest actuarial data.

Automated Plan Monitoring


Retirement income planning is not a one-time event. Dynamic planning requires ongoing plan monitoring. Income Lab provides advisors with a scalable system for continuous fiduciary-ready plan oversight.


Our system updates monitored plans monthly and notifies advisors when a plan calls for a change. Advisors and their clients can rest assured that their plans are being actively monitored.

Easy Social Security Planning


For many households, Social Security claiming is one of the most important parts of income planning. In just a few steps, Income Lab provides access to estimated Social Security benefits for any claiming date as well as a break-even analysis to help clients make informed decisions about their Social Security benefit options.

In addition to the one-page Life Hub report, the planning process also provides several more detailed reports which are  beneficial to your success.:


Detailed Documents

View Complete Report Document  (43 pgs.)

View Tax Planning in Retirement Document  (27 pgs.)

We charge a flat fee to develop an Income Lab Report for our client's.

Our service can also be used as a very beneficial and effective Executive Benefit Program.

       We Look Forward to Being of Service!