XYPN Added Income Lab As a Member Benefit

The planning network has officially integrated Income Lab as a standard option for its financial advisors.

Updated on Sept. 30, 2026 in Financial Planning

XYPN Added Income Lab As a Member Benefit

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XYPN has incorporated Income Lab into its member benefits package to bolster retirement income planning services. This change provides the network’s 2,300 members with expanded access to specialized software tools.

Why it matters

The inclusion addresses sustained advisor demand for Income Lab software, which has been requested by members for three consecutive years. The move aims to streamline the delivery of comprehensive retirement advice across the network.

Income Lab currently serves 300 of the 2,300 total XYPN members. The software has consistently earned a 9.0 advisor satisfaction rating in Kitces AdvisorTech studies conducted in 2023 and 2025.

The players

XYPN

This is a network of fee-only financial advisors that focuses on providing support and technology resources to its members.

Income Lab

This company provides retirement distribution planning software designed for financial advisors to manage complex client cash flows.

Johnny Poulsen

He is one of the co-founders of the financial technology company Income Lab.

Justin Fitzpatrick

He serves as a co-founder of Income Lab and contributes to the development of its retirement planning technologies.

The details

XYPN curated this partnership to provide best-in-class retirement distribution planning software to its professional members. Advisors gain access to tools like the Retirement Stress Test, which the platform launched in May 2023 to assist in managing long-term financial security.

Income Lab was co-founded by Johnny Poulsen and Justin Fitzpatrick in 2018.
A beta version of the software was introduced in early 2020.
The Life Hub platform launched in mid-2022.
The Retirement Stress Test tool debuted in May 2023.
Income Lab became an included XYPN member benefit on September 29, 2026.

Market Landscape

The integration aligns with the broader push toward consolidating specialized software within financial planning networks. By adopting tools validated by the Kitces AdvisorTech studies, professional networks are increasingly competing to offer superior technological ecosystems.

Advisors in the XYPN network can now integrate the platform into their practices as an included benefit, potentially reducing their overhead costs. Clients may see more consistent retirement planning methodologies utilized during their financial reviews.

The takeaway

Advisors should regularly evaluate whether their software stack aligns with industry-recognized performance metrics to maintain high-quality client outcomes. Leveraging included member benefits can simplify operational efficiency while providing access to proven financial planning technologies.