What you'll walk away with

• Real advisor workflows: where the AI Plan Builder fits, start to finish.

• A live build inside Income Lab. Not slideware.

• Live Q&A. Bring your hardest plan-building question.

A recording goes to every registrant, even if you can't make it live.

60 minutes | Live Q&A Included

What you'll walk away with:

• A framework for when delaying pays, and when it quietly costs the client.

• A live demo inside Income Lab. Not slideware.

• Live Q&A. Bring your hardest claiming-strategy question.

A recording goes to every registrant, even if you can't make it live.

60 minutes | Live Q&A Included

• A repeatable way to find the tax moves hiding in a client's plan.

• A live demo inside Income Lab. Not slideware.

• Live Q&A. Bring your hardest tax-planning question.

A recording goes to every registrant, even if you can't make it live.

60 minutes | Live Q&A Included

The structure moves left to right: income sources, then deductions before the money reaches the client, then the client's checking account, then expenses paid from there. Medicare premiums and IRMAA come out of Social Security before the deposit. Tax triggered by an IRA withdrawal shows as flows leaving that account before it hits the client -- to the IRS and to the state separately. Capital gains tax and NIIT show as paid from the checking account.

The value in a client meeting is that it answers the question they're actually asking: where does my money come from, what comes out before I see it, and what lands in my account. The current display answers a different question.

The numbers I need for execution all live in the software, but there's no way to get them out in a usable form. Right now I'm typing or copy-pasting figures into Excel so I can total and sort them. An export function (to Excel) would eliminate that entirely.

Stage two: execution summary display

A view within the software that surfaces the numbers I need without requiring Excel. What I want to see in one place: total withdrawals by tax category, total coming from accounts I manage versus accounts outside my management, total conversions, total RMDs, and the capital gains budget. On the tax side, I want to be able to collapse everything going to the IRS into a single total, and see a total tax figure that excludes IRMAA since that's a premium, not a tax payment.

These numbers are already in the software. This stage is just about surfacing them in an organized, collapsible view that I can work from directly.

Stage three: planning workspace

A layer on top of the display where I can make intentional account-level decisions and lock them in. The starting values are the software's defaults. The interaction is similar to an asset allocation tool -- there's a total that needs to be allocated, and as I assign amounts to individual accounts the remainder updates automatically. I can enter dollar amounts or percentages, and whatever's unallocated stays visible at every level: by account, by tax category, and in total.

The abilities from stage 2 are here are well: I want to sort by custodian, advisor, or tax treatment in any order and collapse groupings I'm not working on. I also want to drag one account into another and have the software treat them as a single source -- not just display them together, but combine the withdrawal and pull the full amount from the primary. This matters because balances aren't round numbers and I often have several accounts of the same type that I want to treat as one for execution.

Off to the side of the planning workspace is an RMD panel. It displays the estimated RMD total and by account, grouped by whether accounts can be aggregated for RMD purposes or not -- IRAs together, inherited IRAs separate, 401ks separate. As I make withdrawal decisions, the panel tracks whether each required minimum is being satisfied and prevents me from planning below the legal minimum for any account that carries one. The RMD amounts are always estimates -- the software is already estimating these, I just want that estimate used as a hard floor in the planning tool.

Once planning is locked, all downstream reports and displays -- including the Life Hub, the details behind the Income Dashboard, and the Money Motion view which I've requested separately -- reflect the planned decisions rather than the defaults.

Stage four: live RMD tracking (related tool)

A tracker where I can enter what a client has taken so far in the year against what's required. Since RMD is always an estimate until year-end values are finalized, the display would show the current estimate clearly labeled as such, and update as I enter prior year-end values for each account.

I used AI to summarize and organize my ideas.

I guess I could also create a bookmark, but it would seem like a quality of life improvement to allow us to launch Penny from anywhere inside Income Lab

Also, if we could launch Penny from within a specific household plan, it would be cool if Penny could launch with that same household already loaded instead of having to select from a dropdown menu

I read from another Income Lab user in an online group that Income Lab doesn't apply custom inflation to future expenses until the start date of the expense.

My understanding is that if an expense starts in 10 years and will cost the client $20K, it will still be $20K starting 10 years from now and only then will any custom inflation adjustment be applied.

If this is accurate, I'd like to request that we be given an option to apply custom inflation to future expenses starting immediately. This would be my default behavior but I'd at least like the option so I don't have to manually calculate and enter a future expense value.

This is needed for future education or healthcare expenses among others.

Thanks