A proprietary planning tool used exclusively by IPP advisor partners. It projects your complete retirement income picture — every source, every year, every risk — and shows you exactly what changes when the IncomeArc™ architecture is in place.
The IncomeArchitect™ Modeler is a live planning environment — not a static report. Every input change instantly recalculates your complete retirement income projection, so advisors and clients can explore every scenario together in the room.
Before exploring what's possible, the IncomeArchitect™ Modeler establishes exactly where you stand. Every income source layered by year. Every tax and IRMAA cost visible. The trajectory of your qualified plan balance — and the growing RMD exposure embedded in it.
Most people have never seen their retirement income presented this way. The chart makes the picture clear before a single recommendation is made.
Most clients have never seen what a long-term care event actually costs their portfolio — not in today's dollars, but inflated at 4% to the event age, drawn from a pre-tax IRA with the full tax gross-up applied.
Toggle Health Events ON and the model shows both the uninsured scenario — with the expense spike and confidence score drop — and what the Architecture-protected plan looks like with a Layer 2 policy covering the same event. The difference is immediate and visible.
Layer Sequence of Returns Risk on top of Health Events and the model stress-tests a down-market sequence in the first five retirement years — combined with uninsured care events and no Architecture protection. This is the scenario most retirement plans are never honestly tested against.
In a sample scenario like this, the portfolio can deplete well before plan end. Income from guaranteed sources continues, but all portfolio draws cease. Confidence scores can fall into the 4–11% range. The plan is At Risk — and this is exactly the conversation most families have never had.
Toggle Architecture ON with every stress scenario active — SORR, both health events, expense shocks — and the IncomeArc™ four-layer system rebuilds the projection around it. Layer 1 provides the tax-free guaranteed income foundation. Layer 2 insulates against long-term health care events. Layer 3 delivers tax-free income with downside protection. The portfolio is protected from forced liquidation at the worst possible time.
The confidence score increases by 90–93 points. That number is the conversation — and no report, no binder, no projected illustration has ever made it this visible.
The IncomeArchitect™ Modeler serves two audiences — each with a different relationship to the same planning conversation. Both leave with something they've never had before.
"The plan isn't real until the client can see it.
The IncomeArchitect™ Modeler makes it real —
in the room, with their numbers, before they leave."