WealthConductor, LLC

Name

WealthConductor, LLC

Legal name

WealthConductor LLC

Website

https://incomeconductor.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Retirement Income Planning Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)

akta.pro secondary industries

Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Retirement income planning
• Financial planning software
• Annuity modeling
• Wealth management platform
• Advisor technology

Headquarters

HQ city

Hartford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Revenue: Three-tier subscription model (Discovery, Premium, Pro) with monthly and annual billing options. Revenue generated from financial advisors and RIAs subscribing to the platform for retirement income planning tools.
2. Add-on Modules: Health+ add-on module available for $25/mo or $300/year on top of Discovery tier for enhanced longevity, Social Security, and healthcare projections.
3. Enterprise Licensing: Partnership with Osaic to power their branded NextPhase Pro and NextPhase Plus platforms, likely through white-label or licensing arrangement with their large advisor network.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

WealthConductor, operating under the IncomeConductor brand, builds and sells a SaaS retirement income planning platform used by financial advisors and RIAs to create time-segmented retirement distribution plans. The platform combines Social Security analysis, tax planning, RMD projections, Roth conversion analysis, annuity modeling, longevity planning, healthcare cost projections, and legacy planning within a single-screen Dynamic Plan Editor. It integrates directly with major custodians (Schwab, Raymond James, Axos) and wealth platforms (SS&C Black Diamond, SEI Wealth Platform, Orion) to automate account data flows, and is also licensed to enterprise partners such as Osaic under the NextPhase Pro and NextPhase Plus brands.

Product overview

IncomeConductor is a tiered SaaS retirement income planning platform built around time-segmented income distribution strategy. The platform architecture consists of Discovery (entry-level educational illustration tool), Premium (advisor-focused with account integrations and tracking), and Pro (full-featured with tax optimization and annuity modeling). Health+ is an add-on module providing longevity projections, Social Security optimization, and healthcare cost estimates via HealthView Services partnership. Advanced Annuity Modeling is a major capability enhancement within Pro. The platform generates full-color client reports and integrates with major custodian and wealth management platforms including Charles Schwab, SS&C Black Diamond, and SEI Wealth Platform.

Differentiator

Problem solved

Functional benefit

Brands

• NextPhase: Retirement income planning tool developed in partnership with Osaic, available as NextPhase Pro and NextPhase Plus versions.
• Health+
• Discovery

Products and services

• IncomeConductor Discovery Entry-level subscription tier providing a single-screen Dynamic Plan Editor for creating educational, time-segmented retirement income illustrations; includes personalized client reports, on-demand training, sales and marketing materials, and roundtable webinars. Designed for advisors new to retirement income planning.
• IncomeConductor Premium Mid-tier subscription including all Discovery features plus account data integrations, plan tracking dashboard, automated practice alerts, and one-click client review reports; designed for established advisor practices requiring client portfolio connectivity.
• IncomeConductor Pro Full-featured retirement income planning subscription including all Premium features plus the Pro Plan Editor, tax liquidation ordering, RMD projection, Roth conversion analysis, excess income projection, annuity modeling, healthcare cost projections, and IRMAA surcharges.
• Health+ (with HealthView Services) Add-on module providing actuarial longevity estimates, Social Security optimization calculations, and personalized healthcare cost projections including Medicare premiums and out-of-pocket expenses; powered by HealthView Services data and integrated into the Dynamic Plan Editor.
• Advanced Annuity Modeling Enhanced annuity modeling capability within IncomeConductor Pro delivering tax-intelligent modeling, integrated planning workflows, and comprehensive contract analysis including non-qualified exclusion ratios, qualified RMD integration, lifetime income streams, period certain guarantees, rider-based income options, COLA assignments, and contract-level growth projections.
• Osaic NextPhase Pro and NextPhase Plus White-label / OEM-branded retirement income planning platform offered by Osaic, Inc. to its advisor network; powered by IncomeConductor technology, available in Pro and Plus versions.

Quantifiable outcome

• 80-90% of surviving spouses change advisors when widowed, making retention critical for advisor practices
• +2 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Osaic, Inc.coreChannel Partner/ Reseller/ Distributor · 15 July 2024Strategic partnership where IncomeConductor technology powers Osaic's branded NextPhase Pro and NextPhase Plus retirement income planning platforms. Osaic is one of the nation's largest providers of wealth management solutions with a vast network of financial advisors.
• SS&C Black Diamond Wealth PlatformcoreTechnology or Integration · 31 January 2023Completed integration project enabling advisors using SS&C Black Diamond to connect client accounts to IncomeConductor plans. Includes both standard custodial account linking and 'sleeved' account linking via SmartX integration.
• Charles SchwabcoreTechnology or Integration · 30 July 2022Direct data integration enabling users to authorize connection from Schwab Advisor Center to feed FA Master Account data into clients' IncomeConductor income plans with automated nightly updates.
• HealthView ServicescoreStrategic or Co-development Partner · 19 April 2022Partnership to build Health+ offering providing actuarial longevity projections, health spending estimates, and Social Security optimization integrated into IncomeConductor's Dynamic Plan Editor.
• SEI Wealth PlatformcoreTechnology or Integration · 9 March 2021IncomeConductor made available on SEI Wealth Platform, enabling independent advisors using SEI's Platform to easily connect clients' underlying accounts and facilitate scale through automation.
• Varney AgencyminorGTM or Marketing Partner · 16 October 2020Unique insurance partnership offering preferred rates on E&O and Cyber liability insurance for wealth managers using IncomeConductor, potentially saving up to 20% on premiums.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MoneyGuide (Envestnet): One of the most widely adopted financial planning platforms for advisors, used by tens of thousands of advisors for goals-based planning including retirement income. Directly competes with IncomeConductor's Pro tier for retirement planning software seats at advisory firms.
• eMoney Advisor (Fidelity): Fidelity-owned financial planning platform for advisors with comprehensive retirement, tax, and estate planning. Closest large-scale competitor to IncomeConductor's retirement income planning functionality, particularly at enterprise broker-dealer accounts.
• RightCapital: Advisor-facing financial planning software with strong retirement income, Social Security optimization, and tax planning modules. Competes directly for mid-market advisor subscriptions in the same price range as IncomeConductor's Premium/Pro tiers.
• Income Lab: Specialist retirement income planning software focused on sustainable withdrawal strategies and risk management. Closest category pure-play competitor to IncomeConductor's time-segmented distribution methodology.
• NewRetirement: Retirement planning platform serving both consumers and financial advisors with detailed cash flow, tax, and Social Security modeling. Directly comparable retirement planning feature set with both self-serve and advisor-paid SKUs.

Emerging players

• Holistiplan: Tax planning software for financial advisors focused on year-end and retirement tax planning. Overlapping use case with IncomeConductor's tax intelligence features, though narrower scope and emerging-stage competitor.
• Vanilla: Modern, advisor-friendly financial planning software with retirement income, Social Security, and tax planning modules. Emerging-stage direct competitor to IncomeConductor targeting similar independent advisor personas.

Broad incumbents

• Orion Planning: Financial planning tools bundled within Orion Advisor Tech's broader wealth management platform. Competes as part of a wider technology stack rather than a focused retirement income planning product, and is also an integration partner for IncomeConductor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/incomeconductor
• Xx.com/IncomeConductor
• Facebookfacebook.com/incomeconductor

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about WealthConductor, LLC