Income Lab Community

Exempt social security

Brian Testino — Tue, 03 Nov 2026 16:38:13 GMT

HI. I would also like to reequest the ability to designate social security exempt income streams. Currently there are clients who work multiple jobs and some are exempt while others fully qualify. The program currentl relies on input from a social security statement or based on eaernings but is doesn't allow you to designate which earnings the social security should be based off of. That makes big difference in retirement planning when the primary job is exempt.

Penion calculation

Brian Testino — Tue, 03 Nov 2026 16:33:05 GMT

Hi i would like to add a request to the pension calculator. SInce most pensions are based on an accrued benefit that uses a formula of set percentages I would like to request that a feature that can do this be added. I mentioned that it should be something similar to the social security calculation. SInce every state is different and every pension is slightly different i dont ecpect the program to know every system. What I am requesting is customizable calculator where you can enter the salary used to calcualte the benefit, number of years worked and percentage amount earned for eah of those years. Then have it feed into the retirement income stream calculations. That way a client with a pension can compare working a few more years to increase pension versus leaving earlier and how that affects their reitremnent income. It must also be able to use flat percentage since some pensions offer an exact percent at specific years.

Penny Team Sharing Capability

Kyle Hammerschmidt — Fri, 30 Oct 2026 14:21:40 GMT

Hi Income Lab team,

I'd like to request a new feature for Penny AI: team sharing capabilities, similar to what's already available in the Income Lab planning software, and comparable to how RightCapital and Holistiplan handle shared access.

Right now, when one team member does work in Penny, such as a scenario, a Roth conversion analysis, or any other Penny feature, that work is off limits to the rest of the team. For a firm where multiple advisors and support staff work on the same households, this is a critical gap. We can't hand off, review, or build on each other's work.

Adding team sharing to Penny would allow us to:

- Share Penny work across team members on the same client

- Let support staff and advisors collaborate without duplicating effort

- Keep everything consistent with how sharing already works in Income Lab planning

Most importantly, this one change would allow us to replace Holistiplan with Penny entirely and consolidate our tools within Income Lab.

Feature Webinar: Stress Test + Test Plan + Historical Analysis

Cyarah Rogotzke — Wed, 28 Oct 2026 23:21:23 GMT

Join Income Lab’s Historical Stress Test Webinar to get a deeper understanding of how to use the Historical Stress Test tools with clients, navigation, best practices, and features.

Feature Webinar: Tax Lab

Cyarah Rogotzke — Wed, 28 Oct 2026 23:19:26 GMT

Join Income Lab’s Tax Lab Webinar to get a deeper understanding of how to use the tax tool with clients, navigation, best practices, and features.

Feature Webinar: One-Page Planning + Decision Lab

Cyarah Rogotzke — Wed, 28 Oct 2026 23:18:12 GMT

Join our One-Page Planning + Decision Lab webinar to learn best practices for using these tools in client meetings, including navigation tips, key features, and how to turn the visuals into clearer decisions.

Income Lab 101 - New User Webinar

Cyarah Rogotzke — Wed, 28 Oct 2026 23:16:12 GMT

As a new Income Lab user, you have exclusive access to our VIP support and training experience. Join us for the Income Lab 101 training webinar designed specifically to help new users learn best practices for using the software.

Income Lab 101 will take place on the first Thursday of every month at 12 pm ET.

Join us for a live group training session on Penny!

Cyarah Rogotzke — Wed, 28 Oct 2026 23:12:57 GMT

In this session, we'll walk through how Penny helps you answer complex planning questions in real time, from tax cliffs and Roth conversions to IRMAA thresholds, Social Security timing, estate consequences, and more. Every calculation is verifiable and connected to your client's actual plan, not a separate tool or standalone estimate.

We'll demonstrate real advisor workflows using Penny's structured tools, including the Marginal Rate Explorer, Roth Conversion analyzer, Scenario Planner, and Tax Summary Report. You'll see how to use natural language to update inputs, compare before-and-after scenarios, and surface planning opportunities you might otherwise miss.

Whether you're brand new to Penny or looking to sharpen your process, this session will give you practical ways to deliver deeper, faster, and more confident advice.

Join us for a live group training session on Penny!

Cyarah Rogotzke — Wed, 28 Oct 2026 23:11:58 GMT

Whether you're brand new to Penny or looking to sharpen your process, this session will give you practical ways to deliver deeper, faster, and more confident advice.