A New Way to Plan Together: Income Lab Joins XYPN’s Tech Stack

What does an 85% probability of success tell a client who wants to know whether they
can retire next year, spend more time traveling, help their children, or make another
major financial decision?

It’s a useful measure, but clients often want to know more: What can I actually do?
What should I consider? And what changes if life doesn’t go according to plan?

Answering those questions means bringing together cash flow, investments, income, taxes, Social Security, Medicare, estate planning, withdrawals, timing, and uncertainty,
then helping clients understand the choices in front of them.

That’s where Income Lab comes in.

Income Lab is a financial planning platform designed to help advisors build plans,
explore decisions, and show clients the financial impact of their choices in real time.

Advisors can model changes in spending, savings, retirement timing, markets, taxes,
and other assumptions, then go deeper to evaluate and prioritize planning opportunities
such as Roth conversions, Social Security strategies, Medicare, and IRMAA planning,
estate planning, and distribution strategies.

And you can spend less time on data entry. Income Lab can automatically build plans
from uploaded client documents, conversation notes, and other unstructured data,
giving advisors more time to focus on advice and client conversations.

That combination of financial planning, deeper analysis, and simpler client conversations is a big reason we’re excited to welcome Income Lab as XYPN’s newest technology partner, and an included financial planning software option for XYPN
members.

Income Lab will be included in membership through the XYPN Partner Program beginning September 29, 2026.

Why Income Lab?

Income Lab has been part of the XYPN community for years. Two different Income Lab offerings took the top spots in our XYPN AdviceTech Competition in 2022 and 2023, and since then, we’ve watched advisors across the Network use the platform to build
plans, uncover planning opportunities, and help clients better understand their financial
futures.

And members kept asking for more access.

"One of the most important things we do at XYPN is listen to how our members use technology in their practices and continually evolve our benefits based on what will help them deliver better advice and build stronger firms,"

Alan Moore

Co-founder and CEO of XYPN

Income Lab has landed in the top five most-requested additions to XYPN's Tech Stack for three consecutive years. That member enthusiasm is backed by recognition across the advisor technology industry:

• #1 most-requested benefit in XYPN’s 2026 technology benefits survey
• XYPN AdviceTech Competition winner in multiple years, with different offerings taking the top spot in 2022 and 2023
• Top advisor satisfaction ratings in both the 2023 and 2025 Kitces AdvisorTech studies
• #1 in overall satisfaction among Retirement Distribution Planning Tools in T3’s 2024, 2025, and 2026 technology surveys

More Choice in Your XYPN Tech Stack

Income Lab is available in three tiers, giving advisors the flexibility to choose the

planning experience and capabilities that fit their practice.

 

• Core Starter provides access to Income Lab’s Core financial planning experience, including interactive planning and scenario analysis that helps advisors and clients understand how financial decisions affect the plan.
• Core Unlimited expands the Core experience for advisors who want to use Income Lab across their practice.
• Pro Unlimited adds Income Lab’s advanced planning and AI capabilities, including Penny, Practice Intelligence, estate planning, Medicare and IRMAA planning, account aggregation, and deeper planning workflows designed to help advisors identify and execute planning opportunities more efficiently.

The way you plan with clients is personal to your practice, and your technology should

support that. Adding Income Lab to XYPN’s Partner Program gives members another

option to choose the financial planning experience that fits how they work, the clients

they serve, and the advice they want to deliver.

 

We’ve seen the demand from members, we’ve watched Income Lab grow alongside the

advisor community, and now we’re excited to make it more accessible across XYPN.

 

Better financial planning technology shouldn’t just help you create a plan. It should help you uncover better opportunities, make complex decisions easier to understand, and spend more time actually giving advice.

 

Income Lab is available to all XYPN members in the XYPN portal starting September 29, 2026.