IncomePro was born out of a simple frustration: the tools available to financial advisors didn't match the complexity of the conversations we were having with clients.
As a practicing financial advisor, I spent years working with retirees and pre-retirees who needed clarity on one fundamental question: “Will my income last?”
The existing tools were either too simplistic — ignoring the nuances of Social Security optimization, IRMAA thresholds, and tax bracket management — or too complex, requiring hours of configuration that didn't translate into meaningful client conversations.
There was nothing in between. No platform that could model sophisticated income allocation strategies while remaining intuitive enough to use in a live client meeting.
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I wanted to build something different — a platform where an advisor could sit down with a client, input their complete financial picture, and within minutes show them exactly how their income would flow across retirement under multiple market conditions.
Not just a Monte Carlo simulation with a probability number. A real, year-by-year breakdown showing Social Security, pensions, annuity income, safe asset withdrawals, real estate income, and portfolio distributions — all mapped against federal tax brackets, Medicare IRMAA thresholds, and inflation-adjusted spending needs.
That vision became IncomePro.
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IncomePro isn't a generic financial planning tool repurposed for income planning. It was designed from the ground up for one thing: helping advisors allocate and project retirement income with precision.
Every feature — from the multi-scenario stress testing to the IRMAA lookback calculations to the portfolio accumulation tracking — exists because it solves a real problem I faced in my own practice.
I built IncomePro to be the tool I wished I had. And now I want to put it in the hands of every advisor who shares that same commitment to giving their clients clarity and confidence.
Founder of Apex Wealth & Creator of IncomePro
“I believe every retiree deserves a clear, honest picture of their financial future. IncomePro is how we deliver that.”
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