XYPN Added Retirement Planning Software as Member Benefit

Financial advisors now gain access to Income Lab tools to help households refine their retirement income strategies.

Updated on Sept. 30, 2026 in Financial Planning

Isometric editorial illustration of stacked polished stone blocks and metallic prisms, representing structural financial planning in a clean, professional register. — The XY Planning Network has integrated Income Lab software into its membership benefits, providing over 2,300 financial advisors with new tools for retirement income strategy modeling. AI Illustration. Upload story photo >

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The XY Planning Network has officially integrated Income Lab into its membership benefits for its more than 2,300 financial advisor members. This move allows advisors to incorporate specialized retirement planning software into their services for clients.

Why it matters

Advisors sought this partnership for three consecutive years to better deliver comprehensive retirement income planning. The inclusion aims to streamline how professionals model financial stability and distribution strategies for the households they serve.

The integration reaches a network of 2,300 members, with 300 advisors already utilizing the platform. Income Lab maintains a 9.0 advisor satisfaction rating in Kitces AdvisorTech studies, highlighting its standing among industry professionals.

The players

XY Planning Network

A financial advisory organization that curates member benefits and provides professional resources for fee-only financial planners.

Income Lab

A software provider that develops retirement distribution planning tools and stress-testing resources for financial professionals.

The details

XYPN curates a selection of software tools to help advisor practices manage client needs more effectively. By adding Income Lab as an included benefit, the network allows advisors to leverage specific tools like the Retirement Stress Test and Life Hub. These resources help professionals analyze complex retirement distribution scenarios and provide concrete income planning advice to their clients.

2018: Income Lab was co-founded.
Early 2020: Income Lab introduced a beta version of its software.
Mid-2022: Income Lab launched its Life Hub platform.
May 2023: Income Lab launched a Retirement Stress Test tool.
September 29, 2026: Income Lab became an included XYPN member benefit.

Money Landscape

The integration marks an expansion of the advisor tech ecosystem, aligning with the industry's shift toward data-driven retirement distribution planning. It follows the software's consistent top-rated status in the T3 Software Surveys from 2024 to 2026.

Households working with XYPN-affiliated advisors may see an increase in the sophistication of their retirement income models. If you are preparing for retirement, ask your advisor how they use professional planning software to stress-test your current distribution strategy.

The takeaway

This partnership formalizes access to retirement planning tools for thousands of financial advisors. Clients should check if their advisor is integrating these new stress-testing capabilities into their long-term financial review process.