XYPN added Income Lab as a member benefit and partner on September 29, 2026, during its 12th annual conference in San Diego. The integration gives the network’s more than 2,300 fee-only financial planners direct access to retirement income planning software, responding to a top-ranked demand among advisors across the organization.
Advisor Demand Drives New Partnership at San Diego Conference
The partnership addresses one of XYPN’s most requested member benefits. According to Alan Moore, co-founder and CEO of XYPN, the platform ranked in the network’s top five member requests for three consecutive years before claiming the top position in 2026. While most of the network’s advisors focus on clients in their career accumulation phase, more than 300 XYPN members already use Income Lab.
“One of the most important things we do at XYPN is listen to our members and continually evolve our benefits based on what will help them deliver better advice and build stronger firms,” Moore said in a statement.
Johnny Poulsen, co-founder and CEO of Income Lab, noted that the collaboration brings the company’s research-backed planning tools to a broader community of independent practitioners. Income Lab has earned a 9.0 advisor satisfaction rating in both the 2023 and 2025 Kitces AdvisorTech studies and secured top-rated retirement distribution planning software honors in the T3 Software Survey from 2024 through 2026.
Software Capabilities and Decumulation Tools for Planners
Income Lab helps advisors manage complex financial decisions beyond traditional probability-of-success models. The platform’s methodology centers on spending power and potential adjustments over time, providing a practical framework for client guidance.
Specific features available to XYPN members include:
- Retirement income projections and spending power visualization.
- Tax-aware withdrawal strategies and Roth conversion planning.
- Social Security optimization.
- Medicare and Income-Related Monthly Adjustment Amount (IRMAA) planning.
- Artificial intelligence-driven tools, including an AI Plan Builder, AI Interviewer, and AI Assistant introduced in October.
David Bowman, managing director of partnerships at XYPN, clarified that members retain access to other planning options on the accumulation side, such as RightCapital, alongside long-standing discounted options like eMoney Advisor and Envestnet | MoneyGuide. However, Bowman called Income Lab the standout solution for retirement planning and noted the network is not exploring other partnerships for specialized decumulation tools at this time.
Technology Ecosystem Expansion
Founded in 2018 by Poulsen and Justin Fitzpatrick, Income Lab launched its cloud-based software in early 2020. The company subsequently rolled out its Life Hub interactive visualization tool in mid-2022 and a Retirement Stress Test tool in May 2023.
The inclusion of Income Lab as an official benefit in the financial planning category officially begins on September 29, 2026. The addition strengthens XYPN’s broader technology ecosystem, providing independent advisors with specialized decumulation tools designed to streamline manual processes and enhance client service across every stage of the financial journey.