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SPECIFICTION
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Income Lab

incomelaboratory.com

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Spec score 8.0 #10 of 31 in Financial Advisor Software

Spec sheet

Purpose
Income Lab provides retirement income planning software for financial advisors.Read 8 Oct 2026 · incomelaboratory.com
Trial
The 14-day trial provides full Pro access, requires a credit card, and converts automatically to a paid Pro subscription unless canceled before it ends.Read 8 Oct 2026 · incomelaboratory.com
Integrations
The pricing page names Schwab, Fidelity, Orion, Black Diamond, Redtail, Wealthbox, and Salesforce integrations, and Yodlee account aggregation in Pro.Read 8 Oct 2026 · incomelaboratory.com
Support
The company offers a help center, walkthrough bookings, and contact by phone or email.Read 8 Oct 2026 · incomelaboratory.com
Founded
2018Read 28 Sep 2026 · incomelaboratory.com
AI features
Pro includes Penny, which can build plans from meeting notes, answer questions about a client plan, and identify opportunities across a client base.Read 8 Oct 2026 · incomelaboratory.com
AI privacy
Income Lab says it does not train large language models on client data and limits AI tools to information the signed-in user is permitted to view.Read 8 Oct 2026 · incomelaboratory.com
AI verification
Pro includes a Verify button to audit AI responses.Read 8 Oct 2026 · incomelaboratory.com
Company identity
The website identifies the company as Income Laboratory, Inc.Read 8 Oct 2026 · incomelaboratory.com
Data protection
Stored customer information is encrypted using AES-256, and data transmitted between users’ computers and Income Lab’s servers is encrypted over HTTPS.Read 8 Oct 2026 · incomelaboratory.com
Financial transactions
The software cannot move money or make financial transactions, and account data viewed through integrations is read-only.Read 8 Oct 2026 · incomelaboratory.com
Market stress tests
Plans can be stress-tested against 130 years of market data.Read 8 Oct 2026 · incomelaboratory.com
Security certification
Income Lab says it is SOC 2 compliant and makes its Type II report available on request.Read 8 Oct 2026 · incomelaboratory.com
Social Security
The Social Security optimizer compares more than 9,000 claiming strategies per household.Read 8 Oct 2026 · incomelaboratory.com
Spending plans
Its risk-based guardrails show clients how spending may adjust over time and alert advisors when a plan calls for a change.Read 8 Oct 2026 · incomelaboratory.com

Plans and prices

Support Staff Seat $80 a month $800/yr billed annually; save $160/yr Per seat · add team members to either plan Read 8 Oct 2026 · incomelaboratory.com
Core $199 a month $1,990 billed annually or $2,388/yr billed monthly; 2 months free on annual billing Retirement income planning · tax planning · Social Security optimizer · scenario analysis · 15+ integrations · AI Assistant Read 8 Oct 2026 · incomelaboratory.com
Pro $299 a month $2,990 billed annually or $3,588/yr billed monthly; 2 months free on annual billing Everything in Core · Penny AI paraplanner · tax and estate analysis · practice intelligence · Yodlee account aggregation · team permissions and SSO Read 8 Oct 2026 · incomelaboratory.com

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